存款保险制度自上世纪30年代创建以来，在保护储户利益方面发挥了重要的作用。
存款保险制度有利于提高社会公众对银行的信心，维护金融体系的稳定发展。但该制度在我国的金融体系中迄今仍属空白，相关理论与实证研究也非常薄弱。同时，由于存款保险制度自身存在一些缺陷，在实践中容易引发道德风险、逆向选择和代理问题等。应采用差别费率制、强制保险、完善信息披露机制、加强金融监管等对策加以解决。
关键词：金融监管；存款保险制度；道德风险；逆向选择
Abstract
From the foundation in 1930s, deposit insurance has an importance function in protecting the benefit of depositors. The deposit insurance system is advantage in enhancing the social public to the bank confidence, maintains financial system’s steady progression. But this system still blank until now in our country’s financial system, the correlation theories and the empirical study are also weak. At the same time, because deposit insurance system oneself has some flaws, in practice easy to initiate the moral hazard, adverse selection and agency problem and so on. It should use differential premium systems, forceful insurance, perfect information disclosure, strengthen financial regulation and supervision and so on to solve the problems.
Keywords： financial regulation and supervision；deposit insurance system；moral hazard；adverse selection
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