The reform of the State-owned commercial bank of China need the real independent subject of the financial market, and the government shall be stopped from the recessive warrantor.

• 尤其是在推进国有商业银行改制,塑造金融市场真正独立主体,改变过去由政府隐性担保金融风险体制的今天,存款保险制度无疑成为处理和化解金融风险的迫切需要,并进入了实质性操作阶段。