Study On Making Bank Deposit Insurance System In China

The 2008global financial crisis has not only brought us an unprecedented financial disaster, but also allows us to understand the importance of the financial security once again. And we can learn from the painful experience that the imperfect financial safety net is the root causes of this global disaster. Building perfect financial security to promote the economy and finance development has become an urgent duty ahead of the countries on the world.Reality shows us that the deposit insurance system plays an important role in the protection of the interests of depositors,promoting fair competition and preventing financial crises. China has been trying to establish an effective system of dominant deposit security, the main assignment of this article is to explain the current condition of china's economy and finance,make some study and give some suggestion on the establishment of deposit insurance system.Firstly, The writer put forward the main problem we need to solve in establishing current deposit insurance system, secondly The writer explain the theory base of the deposit insurance system through the comparison of it among the America,Japan,and Hong Kong and the analysis of China's current bank industry, and then put forward the necessity of building perfect dominant deposit insurance system and discuss the current situation for building perfect deposit insurance system. And finally The writer give the frame design of it, for example the organizational form,insurance coverage,the insurance limits,insurance rates and so on.