The Study On Establishing Of Deposit Insurance System In China

Because economy--stagnancy induced financial--risk and monetary-crisis in 20th century,USA government had strengthened supervising to bank,and establishing deposit insurance system。Deposit insurance system is established inside financial institution。It's target is to protect benefit of depositor and moderate management of financial institution。When deposit institution could not pay debt,deposit insurance system will use business means and insurance mechanism to protect policy holder。This system requests financial institution to insure with free will or constrain。Deposit insurance corporation will help these institution in fund,or deposit insurance corporation will pay full or part deposit to depositor。So it will protect benefit of depositor and financial order。Actions speak louder than words,deposit insurance system is benefit to trust of public and financial safety。Be a member of WTO,we will abolish terrain limit and client limit to foreign capital bank in five year。Otherwise,we will abolish restriction in ownership and manager and setting up to foreign capital bank。We will allow foreign corporation carry comparably leasehold with our own corporation。Because of furious competition,many bank will wash out or go bankrupt。Imaginably depositors will be disastrous。Above all,this paper use American experience for reference and hang actuality of home bank together to think how to establish deposit insurance system in china。Article consists in preface and four parts and conclusion。Preface explain why establish deposit insurance system,thereby make the content of the paper more definitude,so that suggestion come into true。The fist part set forth the concept of deposit insurance system。The major content include basic elements and inside evidence and main function,making depiction of it。Thereinto,inside evidence of deposit insurance system is core part。It labor why establish deposit insurance system。 The second part is brief introduction of deposit insurance system in USA。Now seventy-two countries have established deposit insurance system。But USA is earliest and best。Because of economy--stagnancy in 20th century,USA government had established deposit insurance system。This part mainly give depiction of deposit insurance system in USA。Using experience and lesson of USA for reference,our target will come true soon。 The third part emphasizes necessity of deposit insurance system in china through description to our bank。At the same time,it must quicken innovation of stated bank,develop unstated bank,establish modern enterprise and credit inquisition and the law of deposit insurance。 The fourth part is the most important。It is about design of deposit insurance system in china。This part give depiction to direction of deposit insurance system,insurance cost-ratio and loss-criterion,reinsurance of deposit insurance system,else about Establishing deposit insurance system in China。This is a course from theory to practice。Firstly,article give a clear direction to deposit insurance system in china。Vivid aim is good to work。This part includes target,function,content,structure,range,mode。The point of view is policy-holder involve unstated bank and that stated bank。Secondly,insurance cost-ratio and loss-criterion is important to operation of deposit insurance。The part suggest use variant cost-ratio and the range be from 0.4% to 0.5%。Whereafter quota loss-criterion is feasible in china。The loss-criterion is from RMB forty thousand to fifty thousand。Insurance cost-ratio and loss-criterion is brought forward according as our own facts,using lesson of else countries。Thirdly,deposit insurance is risky,reinsurance is needing in deposit insurance system。It is favorable to establish and perform deposit insurance system。Reinsurance mostly include proportional and else。Adding-up excess reinsurance is fitting with deposit insurance system。Finally,it give description to capital,using fund and financing,dealing with iffy framework。The d...