With the development of China's financial system, four state-owned commercial banks' Joint-stock have been completed and a large number of joint -stock commercial banks have been established. Financial markets are maturing, but systemic financial risk is growing, banks bankruptcy in the market may become a reality. It is necessary and urgently to establish the explicit deposit insurance system.%伴随着我国金融体制改革的深入,四大国有商业银行陆续完成股份制改造,大量股份制商业银行兴起,金融市场日趋完善,但同时金融业的系统性风险也在加大,银行破产在市场化的背景下可能成为现实.我国现行的隐性存款担保模式不再适应金融快速发展的需要,在我国建立显性存款保险制度十分必要且迫切.
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