Deposit Insurance Legal System Construction In China

Deposit insurance legal system, as one of the three members of the financial safety net, through protect the interests of depositors, dealing with questions bank, to maintain the stability of the financial system and defuse financial risks . At present, most of the developed countries in the world and some developing countries have already established to the deposit insurance law system according their own situation. Since the 21st century, the economy of our country has got rapid development. But for a long time, implicit deposit insurance law system has many shortcomings. For China's financial security brought some negative effects. The country needs to reform the existing system. Deposit insurance law system become the Chinese government's choice. But because of deposit insurance law system exists moral hazard and adverse selection problem, deposit insurance didn't play its role in some country. also we have a scholar of whether China should set up deposit insurance law system, or establish deposit insurance law system existence questionnow. How to solve the question, we must through to deposit insurance law system itself discusses further and system.The paper has four chapters, is divided into three sections, a total of more than 22,000 words. The author comprehensive use deductive and inductive reasoning method such logic and empirical analysis, comparative analysis, historical analysis and other methods of constructing China's deposit insurance law system has carried on the preliminary discussion in China, and that the establishment of a deposit insurance law system has its necessity.The first part, the author of deposit insurance from microcosmic angle analysis, the legal system of the concept of deposit insurance law system has also briefly discussed, discusses the legal attribute of deposit insurance for deposit insurance legal relationship, the construction of the preliminary analysis of the deposit insurance law, the internal operation mechanism is the problem of financial industry, and then affected the stability of the financial sector of maintenance.The second part, the author from the macroscopic perspective, in constructing level, financial safety net for deposit insurance financial safety net legal system in the positioning of deposit insurance, discusses the financial safety net of legal system in the positive and negative plays the role of research, and briefly analyzes the relationship between the deposit insurance law system and the other members of financial safety net.The third part,trough analysis implicit deposit insurance for Chinese legal system, this paper discusses the negative effects the implicit deposit insurance law system have produced to China's banking , and expounds the establishment of a deposit insurance law system is necessry. Meanwhile briefly discusses how to prevent deposit insurance existing legal system of moral hazard and adverse selection problem.