环境责任保险制度是一种最早适用西方国家的特殊保险制度。
The system of environmental liability insurance is one kind of special insurance system which was firstly used in western countries in earlier time.
银行业必须高负债经营的特殊性决定了银行业先天的高风险性，也促使了存款保险制度的诞生。
The peculiarity of bank business determines its inherent high risk, and impels the birth of deposit insurance system.
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