中國(guó)人民銀行在其發(fā)布的《2012年金融穩(wěn)定報(bào)告》中稱，目前我國(guó)推出存款保險(xiǎn)制度的時(shí)機(jī)已經(jīng)基本成熟。該官方報(bào)告給出強(qiáng)烈信號(hào)，存款保險(xiǎn)制度不久將實(shí)行。

請(qǐng)看相關(guān)新英文報(bào)道：

The People's Bank of China, the country's central bank, said now is the time for the country to establish a deposit insurance system.?That announcement came as part of an official report that was released over the weekend and is a strong indicator that the long-awaited system will be introduced soon.

分析：

上述新聞中的“deposit insurance system”意思是“存款保險(xiǎn)制度”，也可稱“deposit protection system”。這是一種金融保障制度，是指由符合條件的存款性金融機(jī)構(gòu)建立一個(gè)保險(xiǎn)機(jī)構(gòu)，存款機(jī)構(gòu)作為投保人繳納保險(xiǎn)費(fèi)，當(dāng)成員機(jī)構(gòu)發(fā)生經(jīng)營(yíng)危機(jī)時(shí)，存款保險(xiǎn)機(jī)構(gòu)向其提供財(cái)務(wù)救助，從而保護(hù)存款人利益，維護(hù)銀行信用，穩(wěn)定金融秩序的一種制度。存款保險(xiǎn)制度是一國(guó)重要的金融基礎(chǔ)設(shè)施，尤其是利率市場(chǎng)化以后，如果沒有存款保險(xiǎn)制度，銀行業(yè)經(jīng)營(yíng)和存款人將面臨很大的風(fēng)險(xiǎn)。

一些相關(guān)詞匯：

1. The People's Bank of China 中國(guó)人民銀行

2. official report 官方報(bào)告

3. financial guarantee institution 金融保障制度

4. policy holders 投保人

5. bank credit 銀行信用

6. financial order 金融秩序

例句：

And banks can fund their expanded asset base because at the same time deposits are attracted into the banks by the comfort of deposit insurance.
銀行可以輕易地?cái)U(kuò)大其基礎(chǔ)資產(chǎn)因?yàn)榇婵畋ｋU(xiǎn)制度解除了存款人的擔(dān)憂，同時(shí)存款被大量吸入銀行系統(tǒng)。

Outside the US, deposit insurance system is rarely complete and there are usually delays before reliable cheques denominated in central bank money duly arrive.
在美國(guó)以外，存款保險(xiǎn)制度通常不甚完善，以央行資金發(fā)放的可靠支票往往姍姍來(lái)遲。

The implicit deposit insurance system can not meet the demand of financial stability and development under market economy.
我國(guó)目前隱性存款保險(xiǎn)制度已明顯不符合市場(chǎng)經(jīng)濟(jì)條件下金融穩(wěn)定和發(fā)展的要求。