Study On The Establishment Of Deposit Insurance System In China

With the economy's globalization and financing, the safety of finance is very important to any nation in the world. Every state has done something to build a finance safety network to avoid the all kinds of crisis. Commonly, a government will found finance supervising institution, central bank and deposit insurance system. Deposit insurance system was founded in the USA in 1930's. Today, there are about 60 countries having founded this system. It is proved that the system is helpful to one country's finance safety.Deposit insurance system applies the insurance theory which will collect some fee from all deposit financing institution in the peacetime, once any institution has crisis, the system will ensure the economic profit of the depositor. The system will bring some moral hazard when it builds safety network. But many theories and reality prove that as long as the system has a rational arranging, its negative infection will be limited. If there is a optimal condition, deposit insurance system's positive function will operate.With the economy's reform, finance reform has already made progress. Three national banks have finished share-holding rebuilding, and the Agriculture bank of China's reforming is operating. Many share-holding banks were built and published stock. In 2007, our finance industry will open completely. Since there are so many change in our economic, this thesis analyzes our country's necessity and feasibility to build the deposit insurance system. The author considers that today is the best time to build the deposit insurance system in China. After some analysis and compare of deposit insurance system's different pattern in the world, the thesis draws a blueprint of our country's deposit insurance system, and analyzes how to optimize the system. As long as commercial banks' management make better, supervising rules make complete and market restrict power make strengthen, the deposit insurance system will be helpful to maintain our country's finance safety, ensure the depositor's benefit.The thesis adopts some researching method including comparing, analogy, demonstration, adduction and so on. There are six chapters in the thesis as following: the first chapter narrates the significance of the thesis, some researching theory oversea and in our country, and researching method. The second chapter introduces basic theory of deposit insurance system including that what is the different between the recessive and evident deposit insurance system, the latter's appearance and development. In the third chapter, there is some theory analysis of deposit insurance system. Our country's deposit insurance system's building is narrated in the fourth chapter. In the next chapter, after compare some countries' mode, draw a blueprint of our country's deposit insurance system. In the last chapter, the thesis analyzed how to make better our country's deposit insurance system.