The second section: theoretical basis of the deposit insurance system, including the fragility theory and the panic theory on financial institution.
第二部分，存款保险制度的理论依据，分为金融机构内在脆弱性理论和金融机构恐慌理论。
The deposit insurance system can release the risk of running on a deposit institution. Therefore it protects depositor's benefit.
存款保险制度可化解存款机构挤兑风险，从而保护了存款人利益。
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