Abstract:With the introduction of the deposit insurance system and the perfection of the withdrawal mechanism of financial institutions, the national reputation will gradually withdraw from the intangible capital of bank. Under the trend of incentive and compatible financial supervision, such market binding forces as franchise value will significantly affect the risk-taking of commercial banks. On the basis of this logic, this paper takes 16 listed commercial banks in China as the research object. On the one hand, it discusses the optimal rescue mechanism of commercial banks with different property rights structure under the influence of franchise value. On the other hand, by using the optimal rescue critical index and the bank restructuring model, it deduces the reasonable risk differential rate of deposit insurance.