利率市场化是全面深化金融改革的核心内容之一,存款利率放开时间表的确定吹响了金融体制改革加速的号角。今年两会期间人民银行周小川行长强调存款利率放开很可能在未来一两年内完成,这表明金融体系市场化改革正在提速,而这将给银行部门等带来巨大的冲击,市场化条件下银行破产的可能性增大。存款保险制度是银行 The marketization of interest rate is one of the core contents of deepening the financial reform in an all-round way. The determination of the deposit interest rate liberalization timetable has sounded the horn of accelerating the reform of the financial system. Governor Zhou Xiaochuan of the People’s Bank of China during the two sessions this year emphasized that liberalization of deposit interest rates is likely to be completed within the next year or two. This shows that the market-oriented reform of the financial system is accelerating, which will have a huge impact on the banking sector. Under market conditions Banks are more likely to go bankrupt. Deposit insurance system is the bank