A Research On The Problem Of China Establishes The Deposit Insurance System

The maintenance finance system stability, relates our country economy the long term development, also is the establishment harmonious society's important constituent. Our country financial system reform unceasingly was in recent years thorough and the development, the country to the deposit sum total safe guard, already did not suit our country national condition, established the deposit insurance system already to become the social from all walks of life mutual recognition.The paper has carried on the thorough discussion and the research to our country deposit insurance system establishment question. The paper in profits from the American establishment deposit insurance system experience in the foundation, elaborated our country establishes the deposit insurance system the necessity and the essential condition, and analyzed our country to establish the main difficulty which the deposit insurance system faced is the financial supervising and managing ability insufficiency, the deposit insurance way choice difficulty, as well as the deposit insurance audit mechanism is imperfect. In view of this kind of situation, this article proposed our country establishes the question which the deposit insurance system should pay attention.