On Construction Of Deposit Insurance System In Our Country

Now more and more countries and territories have established the deposit insurance system in the world. Deposit Insurance System can protect depositor's interest and keep the banking system safe and stable which has played an important role in defending and transferring financial risks for a country. After China entering into the WTO, in the course of financial reform and development Chinese banks are facing great financial risks which possibly destroy the stable banking system of China. In order to supervise and urge the bank to manage solidly and make Chinese finance industry develop more greatly, We China should establish a more scientific and reasonable deposit insurance system with Chinese characteristics.First, this thesis introduces the signification of deposit insurance system and the background of its existence and development. Also it has analyzed carefully the overall framework of deposit insurance system which provides valuable reference for our establishment and from which we can gain a good deal of enlightenment.Then this thesis analyzes detailedly the positive effects of deposit insurance system with game theory and real examples and analyzes the negative effects of moral hazard with game theory and adverse selection with the model of Rothschild & Stiglitz. The above analyses settle the academic and practical base for the establishment of our country's deposit insurance system.On above analysis, this thesis puts forward it is necessary and imperative to establish Chinese deposit insurance system. In virtue of the experience and lesson and according to Chinese actuality, this thesis draws up the relative frame of Chinese deposit Insurance System and puts forward idiographic scheme. Because the extent of protection to depositor and the ratio imposed on the banks have significant influence on deposit insurance system, this thesis emphasizes on both of them. Finally this thesis analyzes the reforms of premises.