The Comparative Study On The Deposit Insurance System Among Different Countries And The Enlightenment To Our Country

The setting-up of the deposit insurance system contributes to improving public confidence, safeguarding the finance to be safe. As regards our country's present situation, it is necessary to study setting up the deposit insurance system of our country as soon as possible, in view of protecting the benefit of depositors and guaranteeing financial system and social economic stability consider of protection in depositors. This text proceeds with basic theory of the deposit insurance system, draws a comparison between various countries on the characteristics and development trends of the deposit insurance systems and proposes suggestion to construct deposit insurance system of our country. It expects to play a role in providing useful advice and enlightenment to deposit insurance system of our country. This text is divided into three chapters, which comprise 35,000 words altogether.Chapter one explains the theoretical foundation of the deposit insurance system, including concept, nature, evolution, essential features and functions of deposit insurance system.Chapter two introduces the deposit insurance systems of some typical countries, makes a comparative study of deposit management operation, range, degree of protecting, arrangement of raising funds of various countries and their measures of dealing with bankrupt. It summarizes the common experience of the deposit insurance systems of various countries and their development trends.Chapter three proposes some suggestion on the construction of the deposit insurance of our country on the basis of some relative law and regulations and also on the basis of the experience of the deposit insurance systems of various countries summarized in Chapter two of this text. The suggestion mainly concerns the localization of the deposit insurance system of our country, the establishment of the institution of the deposit insurance and financing channel of the institution, application and circulation of the deposit insurance fund, insurance premium rate, legal applicability issue of the deposit insurance.