Study On Law Institution Of Deposit Insurance

[Abstract] As the foundation of FDIC, law institution of deposit insurance has being emergedfor more than 70 years, from doubt to affirm, from demote to praise. Now, the commonunderstanding come from the experts and scholars of the field of international finance supervise.A fine design, impels compatible institution, not only be beneficial to prefect the interest ofminority investors, but also bring advantageous to build financial security fire wall withcautiously finance supervised and last loaner institution which can effectively avoid systemfinance risk occur. Besides that, deposit insurance will do well to deepen of finance reform andorientate banking mechanisms. But, please pay attention to "fine design", if not, the result must bedisastrous, ethics risk and regressive choice. So, the key of the research, focus on how to designthe institution more scientific and rational, to make sure impel compatible and avoid bad effect.This is the purport of this article.The author begins with the fundamental theory, from three aspects: original of depositinsurance, avoid the bad result and finance safety net. Following that, the author introduces thenew achievements of this field and recommend , which issued onthe forum of finance steady. In the end of the article, the author aimed on the build of a newdeposit insurance institution, combines with the state of our country, the direct of guide andexperiences of other states, put forward his own views and positions.