Study On The Establishment Of Deposit Insurance System In China Through International Comparison

Since the 1980s, financial crisis has been occurring frequently worldwide from Mexico to the Southeast Asia, which causes the governments to attach great importance to the establishment of financial safety net, especially the deposit insurance system. The deposit insurance system is an essential mechanism in maintaining the safety of the whole financial system. Many countries have set up the deposit insurance system to avoid the crisis made by depositors' embarrassing wave. With the further development of our financial system reform, it becomes possible that the mismanaged banks and other financial institutions will be in crisis and even go into bankruptcy. Therefore, it will threaten the safety of the whole financial system and endanger the depositors' interests. How to guarantee the safe operation of the financial system with high efficiency has become an unavoidable question. Deposit insurance system is positive in maintaining public's faith in banks, restraining depositors' running-on, reducing concatenate bankruptcy and promoting the stability and safety of the whole financial system. Our country is preparing the deposit insurance system this year. But the existed studies are only limited on the introduction to the overseas deposit insurance system.Owing to the above causes, the writer decides to take deposit insurance system as the researching target, through comparing the overseas experiences, brings forward the necessity, feasibility and frame composition of deposit insurance system in China, and analyzes how to gradually carry out the system in China. The paper adopts several researching methods, including comparing, analogy, demonstration and citation, etc. The paper consists of six chapters.Chapter one introduces the background of the deposit insurance system and the researching methods. Chapter two presents the concepts and theory of the deposit insurance system. Chapter three analyzes the risks of setting up the deposit insurance system and gives the correspondent countermeasures. Chapter four compares different country's deposit insurance system from the respects of organizing form and specific contents, and summarizes the common experiences. Chapter five analyzes the necessity and feasibility of setting up the deposit insurance system in China. Chapter six makes an expectation on how to set up the deposit insurance system in ourcountry and innovatively puts forward the writer's standpoint that we should gradually carry out the deposit insurance system in China.The deposit insurance system also covers some other studies, such as laws and regulations, accounting methods, etc. This paper will not probe into these aspects because they are not closely related to the contents the paper.