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摘要随着经济全球化迅速发展和我国金融市场的不断开放，作为一个转轨型的发展中国家，我国金融体系存在许多不足和缺陷，国有四大银行的资产业务风险较高，大量的呆坏账，不良债权在银行信贷中占有相当大的比重，危机银行经营安全，也大大削弱了我国金融机构的竞争力，使其在金融市场的发展过程中处于不利地位。随着对外开放程度的扩大和加入世贸组织，外资银行的大量涌入将使金融机构之间的竞争更加激烈，大量缺乏竞争的中小金融机构将面临破产倒闭，退出市场的危险。我国长期实行的隐性存款保险制度越来越显示出其局限性，如何在转轨时期将我国存款保险制度从“全额赔付的隐性存款保险制度”向“有限赔付的显性存款保险制度”转变，尽快建立符合市场化改革要求的存款保险制度，如何保护存款者的利益、维护银行信用制度稳定，已是我国金融业亟待解决的主要问题。同时，国际经验表明，存款保险制度的建立可保护存款人的利益，维护金融稳定，并且将国家的隐性担保变为显性担保，有助于金融机构市场退出机制的完善。因此，显示条件和客观情况都要求银行系统尽快着手建立存款保险制度。本文拟从以下几个方面进行研究。第一章绪论，介绍该选题的目的意义、国内外文献综述以及研究内容。第二章概论，介绍存款保险制度定义、特征、作用、产生和发展的历史等。第三章我国建立存款保险制度的必要性与可行性分析。第四章存款保险制度的国际借鉴。第五我国建立存款保险制度的基本构想。最后对全文进行总结。关键词：存款保险制度；必要性；基本构想AbstractWiththerapiddevelopmentofeconomicglobalizationandChina'sfinancialmarkets,asatransitionalcontinuouslyopentypeofdevelopingcountries,China'sfinancialsystemhasmanyinsufficienciesanddefectsofstate-ownedassets,fourbankbusiness,largehigherriskofnon-performingloans,badcreditsinbankcreditoccupiesalargeproportionoftheelite,securityandbankcrisisweakenedthecompetitivenessofChina'sfinancialinstitutioninthefinancialmarkets,andmakestheprocessofthedevelopmentofdisadvantaged.OpenlockedandtheWTO,foreignBankswillmaketheinfluxoffinancialinstitutions,themorecompetitivebeforealackofcompetitionofthesmallandmediumsizedfinancialinstitutionswillfacewentbankruptandexitthemarketrisk.Ourlong-termpracticeofimplicitdepositinsurancesystem,andshowsitslimitationsinthetransitionperiodinChina,howtodepositinsurancesystemfromthefullcompensationofimplicitdepositinsurancesystemtolimitedcompensationexplicitdepositinsurancesystem,toestablishtherequirementwithmarketizationreform,bankdepositinsurancesystem,howtoprotecttheinterestsofdepositors,andmaintainbankcreditsystemisChina'sfinancialstability,themainproblemurgentlytobesolved.Atthesametime,theinternationalexperienceshowsthattheestablishmentofadepositinsurancesystemcanprotecttheinterestsofdepositors,maintainfinancialstability,andthecountry'srecessiveguaranteeassure,helpstodominantmarketexitteamsoffinancialinstitutions.Therefore,thedisplayconditionsandobjectiveconditionsrequirebanksystemassoonaspossibletoestablishthedepositinsurancesystem.Thispaperwillacceleratetheestablishmentoffinancialcrisisperiodafterthesignificanceofdepositinsurancesysteminitsnecessityinstudy.Thispaperfromthefollowingseveralaspectswerestudied.Thefirstchapterintroducestheintroduction,thepurposeandsignificanceofliteraturereview,andtheresearchcontent.Chapter2introducesdepositinsurancesystem,thedefinition,characteristic,function,theemergenceanddevelopmentofhistory.Thethirdchapterofdepositinsurancesystemestablishedthenecessityandfeasibilityanalysis.ThefourthchapteristospeeduptheestablishmentoffinancialcrisisperiodafterthesignificanceofdepositinsurancesysteminChina.Thefifthchapterdepositinsurancesystemofinternationalreference.Thesixthchapterisabouttheestablishmentofadepositinsurancesystem.Finallymaketheconclusionofthefulltext.Keywords:depositinsurancesystem；necessity；BasicBlueprint目录第1章绪论………………………………………………………………………………...-1-1.1选题的目的和意义...................................................................................-1-1.2国内外文献综述.......................................................................................-1-1.2.1国外学者对存款保险制度的探究.................................................-1-1.2.2我国学者对存款保险制度的探究.................................................-2-1.3论文主要研究内容...................................................................................-3-第2章存款保险的概述.......................................................................................-3-2.1存款保险的定义.......................................................................................-3-2.2存款保险制度的产生和发展历史...........................................................-3-2.2.1存款保险制度的产生.....................................................................-3-2.2.2我国存款保险制度的发展历史.....................................................-3-2.3存款保险制度的作用...............................................................................-4-2.4存款保险制度的基本特征.......................................................................-4-2.4.1关系的有偿性和互助性.................................................................-4-2.4.2时期的有限性.................................................................................-4-2.4.3结果的损益性.................................................................................-4-2.4.4机构的垄断性.................................................................................-5-第3章我国建立存款保险制度的必要性和可行性...........................................-5-3.1我国建立存款保险机制的必要性...........................................................-5-3.1.1能有效的保护广大存款人的利益.................................................-5-3.1.2保证银行业健康发展和维护整个金融体系稳定.........................-5-3.1.3可以为金融机构退出市场提供有效和安全的途径.....................-5-3.1.4能够营造平等竞争的环境应对入世挑战.....................................-6-3.1.5使中央银行从保护存款人利益中解脱出来.................................-6-3.2我国建立存款保险制度的可行性...........................................................-6-3.2.1金融体系保持稳健运行.................................................................-6-3.2.2