Study On The Establishment Of Deposit Insurance Legal System In China

Over the past decade, as our country market economy establishing gradually, thedeepening reform of the financial system, and the formation mechanism of the bankingindustry competitive survival of the fittest, some poor management of domestic financialinstitutions collapsed and went bankruptcy. As China's banking market exit legal system hasdefects and the corresponding system-- the deposit insurance system, lacks, the interests ofthe failed bank depositors are seriously violated, and then threat to the stability of ourfinancial system. In view of this, it is an urgent need to establish and improve a depositinsurance system in China.Deposit insurance system is a hot research topics of the financial and legal circles overthe pass decade in China, but in comparison law it is a mature legal system. This paper usedthe method of comparison analysis, discussed more in-depth to the deposit insurance systemof theoretical and practical issues.This paper includes four chapters. The first chapter is on the basic theory of depositinsurance system, which probes into the basic theory of the deposit insurance system by theview of economics and legal theory, demonstrates bank deposit insurance system properties,value and function. The second chapter focuses on the present situation and disadvantages forour country's deposit insurance system, demonstrates the necessity of deposit insurancesystem. The third chapter studies legislation suggestion of foreign bank deposit insurancesystem and proposes legislation thinking for the legal system of our country by comparison.The fourth chapter tries to improve our country's deposit insurance system from thelegislation ideas and specific design .Establishment of the deposit insurance system must be fully based on internationalexperience, working closely with China's national conditions. According to the currentsituation of the reform of the financial system, the deposit insurance system in China must beclearly positioning, at the same time it should be gradual, progressive manner. Don't be in ahurry to succeed, otherwise it will likely to cause serious harm China's financial system...