The implementation of the deposit insurance act of 2015 marked the formal establishment ofthe deposit insurance system in China. In China, it is needed to draw on and absorb the experiences andachievements of other countries / regions and international organizations, especially the United States andInternational Association of Deposit Insurers. The risk-based premium is one of the most important system ofdeposit insurance system, and the set and frequency of the change rate is need to be clear. At the same time itshould be ensured that the design of system is reasonable and avoid the impact of negative factors. In China,the specific design of risk-based rates is needed to solve the functions and powers of the deposit insuranceinstitution, the choice of institutional differential rate, and to strengthen the information sharing system.