| Recent years, with the further development of our financial system reform, continuous bankruptcy of financial entities remind people that banks could fail without carefully management. If the government can't deal with it in a proper way, the bankruptcy may destroy the clients' trust with bank. Even worse, it may rises the financial crisis in a country. As one of the three components of financial safety net, the deposit insurance system plays an important role in protecting depositors' interests, keeping depositors' confidence and maintaining financial stability. There are more than eighty countries which have established the deposit insurance legal system since it was established in America initially. China is also actively constructing the deposit insurance legal system, but there are many problems to be solved. Therefore, it is meaningful to study on the deposit insurance legal system. The essay takes deposit insurance legal system as the researching target, through comparing the overseas experiences, brings forward the necessity, feasibility and frame composition of deposit insurance legal system in China. Specifically, this paper consists of four chapters:Chapter one is the basic theories of deposit insurance legal system. Firstly, this part introduces beginning and development of deposit insurance legal system. Secondly, the writer reveals the concept, legal character and property of the system after analyzing its theoretic foundation. Finally, besides this fundamental introduce, it analyzes the positive function and negative effects of the system, which establish a theoretic foundation for the analysis below. Chapter two discusses the necessity and feasibility of establishing the deposit insurance legal system in recent China, through analyzing the situation of Chinese bank industry now. Chapter three compares different country's deposit insurance legal system from the respects of legalizing form and main contents of the frame, and concludes the general experience of deposit insurance legal system establishment. Basic on the above demonstration and our country's situation, chapter four puts forward a basic framework of the deposit insurance system in China, which complies with China's present situations, and also expounds some responding improving measures. |
