发生在大陆6月末的钱荒，让中国百姓清醒意识到，银行也有可能无法兑现存款，对银行存款的安全有了担心。这迫使中共官方把探讨已久的存款保险制度再度提上台面，中共央行前副行长吴晓灵前天在上海表示，中共可能在今年底提出存款保险方案。
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