建立存款保险制度是我国“十二五”规划金融改革中提出的重要举措,也符合我国完善金融体系和金融市场的制度建设中的需要,这对我国未来金融发展具有重大的意义。而存款保险制度建立的一个核心问题是存款保险的定价,本文通过分析比较三种存款保险定价模型,采用考虑了监管者宽容的RV模型,运用2011年我国16家上市银行的数据得出我国更适合风险费率及各个银行适用的存款保险费率,而不适合单一保险费率。 The establishment of a deposit insurance system is an important measure put forward in the “Twelfth Five-year Plan” financial reform in China. It also meets the needs of improving the system of financial system and financial market in our country. This is of great significance to the future financial development of our country. The core issue of the establishment of deposit insurance system is the pricing of deposit insurance. By analyzing and comparing three deposit insurance pricing models, this paper adopts the RV model which takes into account the tolerance of regulators and uses the data of 16 listed banks in China in 2011 to come to the conclusion that China is more Suitable for risk rates and deposit insurance rates applicable to each bank, not a single premium rate.