过去几年我国利率市场化改革中出现的许多问题,跟隐性存款保险有关。因此,在利率市场化改革快速推进的时候,建立显性存款保险相当必要。本文分析存款保险制度的由来、我国隐性存款保险存在问题及道德风险,认为利率市场化改革中显性存款保险制度应先行,且建立显性存款保险制度正当其时,刻不容缓。 Many problems that have emerged in the marketization of interest rates in the past few years have been related to recessive deposit insurance. Therefore, when the marketization of interest rate reform is advancing rapidly, it is quite necessary to establish a dominant deposit insurance system. This article analyzes the origin of the deposit insurance system, the existing problems and moral hazard of the recessive deposit insurance in our country, and thinks that the dominant deposit insurance system should prevail in the market-oriented reform of the interest rate, and establishing the explicit deposit insurance system is in urgent need.