Research On The Explicit Deposit Insurance System Model Of Our Country

Commercial banks as an important component of a national, its own existence insurmountable risk factors, these risk factors will directly lead to the cumulative risks, so the bank runs will come, and commercial banks failing will follow. With in-depth understanding of the deposit insurance system, more and more countries choose the explicit deposit insurance system (EDIS) as an effective complement for the national financial safety net. The dissertation studies the implicit insurance system in this period of our country, and analyses the feasibility and necessity for EDIS's implementation in our country, The article uses mature experiences of countries on international, to discusses the established model of EDIS in china according to the actual situation of china.The dissertation not only studies the related theories of DIS, but also analyses its negative effects. On the basis of comparing the implicit insurance system with the EDIS. the dissertation makes sure that the explicit deposit insurance system will be the optimal choice.On the basis of comparative analysis these mature EDIS models of five representative international countries and regions, the dissertation sums up experiences for reference, and makes the better EDIS model on the basis of empirical analysis, which supplies the foundation for the model studying.This dissertation analyses the risk state which the banking system of our country faced, make sure the implicit insurance of our country by the theoretic analysis, and analyses the feasibility and necessity for EDIS's implementation in our country. Base on the better EDIS model and the condition of our country, this dissertation designs a fitting EDIS for our country and researches the implemental environment that the EDIS needs. This dissertation points out the fit fee-collection mode is from the single fee-rate model to different fee-rate model step by step.