Agood designed deposit insurance system can protect the depositor benefits, maintain financesystem stable and promote economy develop healthily, while a poorly designed oneencourages moral hazard, the negative function will surpass the frontage function.

• 如果设计良好,在保护存款人利益、维护金融体系稳定和促进经济健康发展方面将起到重要作用,如果设计不佳,则容易引发道德风险,使其负面作用超过正面作用,反而增加金融体系的风险。