5月1日起,《存款保险条例》正式施行。作为我国金融改革中的重要一环,存款保险制度的推出,一方面可以通过风险差别费率和早期纠正等措施,促进银行更加审慎经营,减少风险发生的概率,促使商业银行努力提高自身的经营管理水平和金融服务质量。另一方面,存款保险制度有利于为大、中、小银行创造一个公平竞争的环境,推动各类银行业金融机构 May 1, “Deposit Insurance Ordinance” came into effect. As an important part of China’s financial reform, the introduction of the deposit insurance system can, on the one hand, promote more prudent management of banks through risk-differential rates and early rectification measures, reduce the probability of risk occurrence, and urge commercial banks to make efforts to improve their own operations Management level and financial service quality. On the other hand, the deposit insurance system is conducive to creating a level playing field for large, medium and small banks and promoting various types of banking institutions