摘要：存款保险制度有助于稳定存款者的信心，防止由于悲观预期导致银行的挤兑风险，控制局部风险扩散成系统风险。我国商业银行在向市场化的转型过程中，不良资产居高不下，资本金严重不足以及盈利能力低下，而目前我国尚未建立一个完善的显性存款保险制度，对我国建立存款保险制度的可行性研究方面也相对不足。因此，本文通过借鉴存款保险制度的国际成功经验，结合我国金融业发展的状况和特点，来探讨我国建立存款保险制度的可行性，并提出具体的实施方法。
关键词：银行；银行挤兑；存款保险制度
Abstract: Deposit insurance system help stabilize depositors faith, prevent the pessimistic projections of the runs result in the bank risk, control local risk spread into systematic risk. In commercial Banks during the process of transition to the market, high non-performing assets, capital shortage and profitability is low,，But at present our country has not been set up a perfect explicit deposit insurance system, But at present our country has not been set up a perfect explicit deposit insurance system of our country, the establishment of a deposit insurance system also relatively insufficient feasibility study. Therefore, this article through using deposit insurance system, combining with the international successful experience of China's financial industry development situation and characteristics in China, this paper discusses the feasibility of the establishment of a deposit insurance system, and put forward the concrete implementation method.
Key Words: Bank; Bank Run; Deposit insurance system
