存款保险制度的推出,总体上有利于农村中小金融机构的健康发展。本文在研究《存款保险条例(草案)》的基础上,系统梳理了我国即将出台的存款保险制度的主要特点及其对农村中小金融机构产生的可能影响,认为存款保险制度总体上有利于农村中小金融机构的健康发展,但同时也将带来一些挑战,并据此提出相关对策建议。 The introduction of the deposit insurance system is generally conducive to the healthy development of rural small and medium financial institutions. Based on the study of “Draft Regulations on Deposit Insurance”, this paper systematically reviews the main features of the forthcoming deposit insurance system in our country and its possible impact on rural small and medium financial institutions. It holds that the deposit insurance system as a whole is favorable to rural small and medium-sized enterprises The healthy development of financial institutions, but also will bring some challenges, and accordingly proposed countermeasures.