中文摘要：

建立存款保险制度对于稳定中国金融秩序、增强消费者信心有重大意义。我国已经具备了建立显性存款保险制度的前提条件。重点阐述了存款保险制度的重要性、存款保险制度的发展，并对海外各国存款保险制度进行了比较分析。借鉴世界各国存款保险制度的设计经验，根据我国金融体系发展现状，分别从体制属性、组织结构、保险对象和范围、保险费率、资金来源等方面提出了我国存款保险制度的设计框架。

英文摘要：

Establishing our own deposit insurance, it will make a great sense in stabilizing the finance market and embracing the consumer＇s confidence. Our country has all conditions needed to establish positive deposit insurance system so far. In this paper, we focus on the importance of establishing positive deposit insurance, and development and comparison of deposit insurance systems overseas. According to the situation of our country＇s financial system and referring to experience of other countries＇ design of deposit insurance, we come up with the framework of our country＇s deposit insurance excogitation in system＇s attribute, organization, insured object, fee charging and so on.