2013年以来,各项金融改革加速推进,银行业发展面临新的变局。面对风险与挑战,更多的有识之士都在思考一个问题,即具有中国特色的存款保险制度何时才能出台,它将对我国商业银行产生哪些影响,多大影响?从隐性存款保险制度向显性存款保险制度转化存款保险制度作为一项稳健严谨的基本金融制度规范,它是利率市场化不断推进的必然产物,也是衡量一 Since 2013, various financial reforms have been accelerated and banking development has been facing new changes. In the face of the risks and challenges, more people of insight are pondering the question of when the deposit insurance system with Chinese characteristics can be introduced and what impact it will have on China’s commercial banks? From the perspective of recessive deposit insurance System as a Dominant Deposit Insurance System The system of deposit insurance as a sound and rigorous regulation of the basic financial system is an inevitable outcome of the marketization of interest rates and also a