随着金融全球化的发展趋势和金融危机的传染性不断加强，一国产生金融风险将会迅速的蔓延开来，影响到其他国家的金融稳定。
从存款保险制度建立至今，在增强存款人对金融体系信心、维护存款人利益、加强金融体系稳定方面都发挥了巨大的作用。因此，现在大多数没有建立存款保险制度的国家都在积极筹备。中国金融业正处于以行政监管为主转向市场自我约束为主的过渡时期。大量股份制商业银行的兴起，使金融市场的竞争加剧，银行的破产在市场化的背景下可能会成为现实。国家对存款的全额保障，已经不适合我国国情。如何保证金融安全高效地运作已经成为我国市场经济首要面对的重大课题。维护金融体系的稳定，关系到我国经济的长远发展，也是建立和谐社会的重要组成部分。
关键词： 存款保险制度；金融风险；国际比较；模式设计
Abstract
Along with the development of the financial globalization trend and strengthening the financial crisis, infectious financial risk will quickly spread to other countries and impact their financial stability. Since the establishment of deposit insurance system, it play a important role in strengthening depositors’ faith, maintaining the interests of depositors, strengthening financial stability. Therefore, many countries which did not establish a deposit insurance system are preparing now. China's financial industry is in the transitional period from the administrative regulation to the market self-discipline. Many appearance of joint-stock commercial bank increase the competition in the market and the possibility of bank bankruptcy, under the background of general adoption of the market principle. To ensure the whole national savings, is not suitable for China's national conditions. How to ensure the safe and efficient operation of the financial market has become one of major issues which China is facing. Maintain the stability of the financial system is very important for the long-term development of economy in China and building of harmonious society.
Key words：deposit insurance system; financial risk; international comparison; model design; financial supervision
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