任何制度都是一种规则或规范的安排，一种人类的理性选择。
Any institution is a kind of arrangement according to certain rules or norms, and as such it represents man's rational selection.
主要论述了存款保险制度的主要功能、挤兑问题理论、存款保险的道德风险与逆向选择、存款保险制度的合理性问题及存款保险制度的理论模式。
It mainly discusses the main function of deposit insurance system. deposit run theory. Moral hazard and adverse selection. reasonability and theory model of deposit insurance system.
强制性制度变迁过程中，符合理性的决策选择，是促进消费成长的重要条件。
In the course of system changes, the rational decision-making is very important to promote the consumption growth.
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