我国正式的存款保险制度呼之欲出。本文认为,存款保险制度的实施将对我国的经济金融和社会发展产生深远的影响,带来六大转变。目前,我国正式的存款保险制度呼之欲出。存款保险制度的实施,既是一场经济金融改革,又是一次深刻的社会利益结构调整,对经济金融和社会发展将产生深远的影响,带来如下六大转变。 Our country’s official deposit insurance system is ready to come out. This paper argues that the implementation of the deposit insurance system will have a profound impact on China’s economic, financial and social development, bringing about six major changes. At present, China’s formal deposit insurance system is almost certain. The implementation of the deposit insurance system is not only an economic and financial reform, but also a profound restructuring of the social interest. It will have a profound impact on economic, financial and social development, bringing about the following six major changes.