The Study On Deposit Insurance System

Deposit insurance system has not been set up in China, but that doesn't mean China's financial institutions have no went bankrupt risk. Just for a long time, the central bank and our government to "a lender of last resort" role to dissolve the financial orgnaization happening risk. How to protect the interests of the broad depositor, how to guarantee the stability of the financial system, has become the urgent problems, many countries in the world through the establishment of a deposit insurance system to solve these problems. According to the central bank <2010 China Financial Stability Report>. During the next National Twelfth Five-Year Plan period,our deposit insurance system will be implemented formally,to change China had long financial institutions collapse after most of personal savings by national burden of the status quo.This article to deposit insurance system as the research object, by analyzing the deposit insurance system of legal relation, nations experience and the current status in China, on the basis of constructing China's deposit insurance system, some Suggestions were put forward. The letter divides into five parts.The first part of a deposit insurance system concept, characteristics are expounded. At the same time introduce the United States, Japan and Taiwan bank deposit insurance system, in order to construct our country deposit insurance The second part is of a deposit insurance system of the legal relations are discussed, also is the key point. Examples include the deposit insurance system of legal relation of the subject, object and targets, and the content such as qualitative deposit insurance system for commercial insurance, liability insurance and compulsory insurance.The third part presents the deposit insurance system, and the main function of the system, such as the problems caused by the moral hazard and adverse selection are discussed.The fourth part on deposit insurance system in the development of our country, this paper expounds the present situation of foundation to build our explicit deposit insurance system of necessity and urgency.The fifth part before four parts as the foundation, the authors put forward building China's deposit insurance system, and points out some Suggestions of the system should be paid attention to in the design of the moral risk and adverse selection, etc.