摘要：十八届三中全会召开之后，存款保险制度在国内也终于进入了实际运用阶段。存款保险制度对金融体系有着其独特的稳定功能，这将为中国进一步进行金融体制的深化改革起到缓冲垫的作用，也使得中国跟上世界潮流以拥有自己的存款保险制度。存款保险制度在大萧条之后于1933年自美国推出，并在欧洲得以发展，存款保险制度推出以来，对于提高储户信心，维护金融安全提到了很高的作用，从而被各国仿效，据2011年的统计，已经有超过100多个国家相继建立起自己的存款保险制度，在其中做的最好的就有美国和日本，由于他们将存款保险制度与本国的国情相结合，收到了良好的效果。中国目前正处在构建存款保险体系的起点上，其保险政策也必须与中国本身的国情相结合。本文以存款保险制度为关键词，从中国的国情出发来探讨存款保险制度应该在国内得到怎样的构建与完善。

关键词：存款保险制度 金融监管 商业银行 利率市场化

Abstract: After the Third Plenary Session of the 18th Central Committee of the Communist Party of China was held, the deposit insurance system will finally carry out in China. Deposit insurance system, as a stabilizer of the domestic financial system, will provide financial stability and security for China’s further reform program, and it will also fill the gap in China’s deposit security systems. Deposit insurance system, was primarily launched in the United States after the Great Depression in 1933 and developed in Europe. After the launch of the deposit insurance system, the confidence of depositors has improved, and the financial security has been protected. Many countries have established deposit insurance system , and now the number has reached to 100 countries.The United States and Japan are typical examples.China is starting to build on its deposit insurance system now and of course its insurance policies must be combined with China's own national conditions. In this paper, I regard the deposit insurance system as a keyword, and dedicate to give some advice to the deposit insurance system in China.

Keywords: deposit insurance system  financial regulation  commercial bank  interest rate liberation