存款保险体系是构成一国金融安全网的三大基本要素之一，存款保险制度是防范金融风险、保护中小储户、维护金融体系良好运行的有力保障。
在阐述了存款保险制度的理论基础和国外建立存款保险制度的实践经验的基础上，论证了我国建立存款保险制度的可行性和必要性，对我国存款保险制度模式作出了切合我国国情的设计，并从理论和实证两方面论述了如何运用B—S期权定价模型确定存款保险价格的问题，围绕建立存款保险制度所存在的困难和设计模式提出了应对之策。
关键词：存款保险制度；金融风险；定价模型；模式设计
Abstract
Deposit insurance is one of the three fundamental elements of nation's financial security. Deposit insurance system can guard against financial risks. While protecting deposits and their owners, deposit insurance system maintains stability for financial system. On the study of deposit insurance theory and practice in foreign countries, the author expounds the feasibility and necessity of establishing China's deposit insurance system and draws up the deposit insurance system pattern in accordance with China's situation. Then it dissertates how to apply the B—S option pricing model to the evaluation of deposit insurance price from two sides of the theory and the demonstration. Finally, author focuses on the shortcoming of Deposit Insurance System to advance some counter-means.
Keywords：deposit insurance system ; financial risk ; pricing model ; mode designing
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