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中文摘要：
监管宽容是存款保险定价中的一个重要的制度因素，文章分析了监管宽容对存款保险费率的影响，以Merton的存款保险定价的看跌期权模型为基础，根据监管宽容的定义重新建立了描述存款保险价值的偏微分方程的边界条件，并给出了商业银行存款保险定价公式。结果表明，适度的监管宽容可以降低存款保险的费率水平。文章的结论对正在酝酿的存款保险制度具有一定的借鉴意义。
英文摘要：
Regulatory forbearance is one of important factors of pricing deposit insurance. This paper analyzed the impact of regulatory forbearance. Based on the deposit insurance pricing model proposed by Merton, this paper modified the boundary condition of the partial differential equation according to the meaning of forbearance. By solving partial differential equation, this paper found that regulatory forbearance can reduce the deposit insurance premium. The result has a useful reference for the deposit system gestated in China today.
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