PREMISE CONCEPTUALE PRIVIND ASIGURAREA DEPOZITELOR BANCARE / CONCEPTUAL PREMISES ON DEPOSITS INSURANCE Asistent univ. drd. Daschievici Anisoara Niculina - Universitatea „Stefan cel Mare” Suceava, email: anisoara_1978@yahoo.com Abstract: The construction and the uses of the banking storehouses represent one of the principal function of the banks, in general, and specially the storehouse function. The banking storehouses have a double character: -one hand, it constitutes the obligation of one bank as against the depositors - on the other hand, it constitutes the creditor creances as against the banks. Keywords: banking storehouse, depositor, creditor JEL codes: G21