The core of the dis lies in offering financial system a security network , which prevents the bank panic and financial crisis that happen when depositors are n ' t confident with other financial institutions because of the failure of exceptional ones leading to a run on a bank 存款保险制度通过保护存款人利益，从稳定社会公众心理角度来防范和化解银行恐慌，维护金融业的整体安全，是体现社会公益、不以盈利为目的、带有强制色彩的特殊保险制度。
Therefore , the measures shall include learning the experience of foreign banks in corporate governance , pursuing the interest of shareholders in addition to protecting the depositors " asset safety , eliminate the systematic flaws firstly , secondly , it is to mould social credit , reinforced credit management , optimize credit increment ; meanwhile the bank should also learn the experience from abroad and use the model of three - level filtering for bad loans to combine the self - disposal and trusted - disposal methods in handling current non - performing loans 所以岳阳市商业银行首先要借鉴国外商业银行的公司治理结构模式，完善在追求股东利益优先的同时，将保护存款人利益的目标融入其中的外部监督模式的公司治理结构，消除不良资产增长过快的制度根源；其次是重塑社会信用、强化信贷管理，优化信贷增量；再次要借鉴国外商业银行处置不良资产的经验，制定自主处理和托管处理相结合的三级过滤的不良资产置换模式，消减现有存量，逐步消化存量不良资产。
The financial supervision of the people ' s bank of china ( the pbc ) means the pbc working as the chief organization of the nation ' s financial policy , legally supervises and manages the financial institutes and their operation in the power bestowed by law to maintain the normal economic order , protects the interest of the depositors and investors , ensuresa secure , healthy , efficient operation of the financial system 中国人民银行金融监管是指中国人民银行(以下简称“人行” )作为国家金融行政主管机关，根据法律赋予的权力，依法对金融机构及其运营情况实施监督和管理的行为，以此维护正常的金融秩序，保护存款人和投资者的利益，保障金融体系安全、健康、高效运行。
Although diss in many countries take fdic as the original version , and their basic objectives are the same on the whole , which are safeguarding the depositors " interests , especially the most depositors " interests who have less deposits , setting up a reasonable procedure with which the banks having serious problems and b eing closed to fail can be disposed of , strengthening the public ' s confidence with banks and keeping the bank system stable , there are many differences among them because of the different national conditions 尽管这些国家多以美国的联邦存款保险公司为蓝本，且基本目标相同，即保护存款人利益，尤其是保护居于多数的小额存款人的利益；建立对出现严重问题的濒临倒闭的银行进行处置的合理程序；提高公众对银行的信心，保证银行体系的稳定，但由于具体国情不同，各国的存款保险制度存在较大差异。
It plays an important role in preventing bank insolvency from happening and reducing the loss of banks to the minimum level when the bank insolvency is inevitable and protecting the interest of depositors . the law of modern bank insolvency is one of the most important factors in the legal system of modern commercial banks 现代银行破产法律是以银行破产预防为主要特征，在防止银行破产及银行不能免于破产时减少银行损失从而保护存款人的利益等方面发挥着重要作用，被视为现代商业银行法律体系中一个极为重要的组成部分。
Deposit insurance law system refers to the special legal system which protects depositors through the way of financial aid or paying for loss insurance , and accordingly obtains the right of subrogation to ensure its discharge capacity when the financial institution dealing with deposit business , which has paid deposit insurance premium to a specific deposit insurance institution according to a certain rate , is confronted with payment crisis , bankruptcy or other operation crisis . as the major participator in financial industry , bank is the core of modern finance 存款保险法律制度是指由经营存款业务的金融机构依法按照一定比例向特定的存款保险机构缴纳存款保险费,当投保金融机构出现支付危机、破产倒闭或者其他经营危机时,由特定的存款保险机构通过资金援助、赔付保险金给予补偿并取得代位求偿权保证其清偿能力,保护存款人利益的一种特殊的法律制度。
