On Construction Of Deposit Insurance Legal System Of China

As one of the three components of financial safety net, the deposit insurance system plays an important role in protecting depositors'interests and maintaining financial stability. It is an innovative financial system aiming at abroad financial crisis in the near future. Most of developed countries and many developing countries have established the deposit insurance system according to their own situations. There are 87 countries which have established the deposit insurance system up to now. Our country is actively constructing the deposit insurance system, but there are many problems and obstacles. It is significant to research on the deposit insurance legal system. Following to the model of the deposit insurance system to the deposit insurance legal system, this paper analyses the deposit insurance system and the deposit insurance legal system, then compares foreign legislation of deposit insurance system and international cooperation, concludes the experiences of foreign countries. At last the paper puts forward the construction of our country's deposit insurance legal system based on the analysis of our situation.Besides preface and conclusion, this paper is about 50,000 words, and divided into 4 parts:The first part analyses the basic theory of the deposit insurance system and its legal adjustment according to the route of the deposit insurance system to the deposit insurance legal system. The deposit insurance system is one kind of policy insurance which innovates from the high risk of the banking industry. It relates with the bank fragility, bank runs and bank crisis. It has many functions which include protecting depositors'interests and maintaining financial stability. But it has defects of moral hazards, adverse selection and agency problem at the same time. The deposit insurance system is one kind of financial system, it is necessary to be adjusted by law. The legal adjustment can overcome the defects of the deposit insurance system in a certain extent. The outcome of legal adjustment is the deposit insurance legal system.The second part compares other countries'deposit insurance legal system and introduces the international cooperation of deposit insurance legal system. The comparison and related analysis cover nine parts, they are: the framework of deposit insurance, structure of deposit insurance institution, functions of deposit insurance institution, coverage of deposit insurance, pattern of deposit insurance, object of deposit...