On The Construction Of Legal System Of Deposit Insurance In China

When a bank is in crisis or on the verge of bankruptcy because the a lots of paymentfor the depositors,deposit insurance system takes timely and effective way to protectdepositors. Through bankrupt of Binzhou bank, We can find the legal issues implied andpropose solutions. Then the article straight into the topic,to describe the basic theory ofthe deposit insurance system and explore the concept of a deposit insurance system, andinclude of economic and legal theory, then discuss the law relationship of depositinsurance. The article also compares foreign deposit insurance system, thus the legalsystem of foreign deposit insurance provides guidance to China.At the same time thearticle notes the current situation and the drawbacks of the deposit insurance system, andexplains the necessity of the establishment and improvement of the deposit insurancesystem. Eventually the article puts forward a proposal from the legislative view and thethe design of the content. Establishment of the deposit insurance system, all countriesshould be sure to fully draw on the basis of international experience, and keep closeconnection with actual conditions of China.