The Structures Of Our Country's Deposit Insurance Organization System

Since the banking business coming in to being,which have been followed by financial risk. banks main features in its operating basis is a strong flow of deposits from the public. It is precisely because the financial market mechanism itself, the financial system will have an inherent vulnerability. In order to effectively prevent bank runs caused panic and the collapse, many countries government provide the financial safety net for the financial regulatory authorities, including the prudential supervision of the central bank lender of last resort function and deposit protection system. The latter is considered to be one of the importanted runs. In this paper that it is necessary to establish a China's national deposit insurance agencies to achieve this aim.The subjects that in a wide range of collection, possession of existing information and on the basis of research results, this subject based on the reality to analysis establishment, and which closely with the combination of theory. Empirical analysis method is that used by the facts of observation and experience to build and test various theoretical proposition on the basis of the deposit insurance agency legal issues in depth. The second is that summed up the results of the current analysis, the main method used by law and history to anaylist deposit insurance agencies as well as the current status and development of the main problems by the comparison,analysis,,summary and reference. The third is that use law and economics analysis of China's financial hidden security deposits which led to the issue of deposit insurance, as well as the feasibility analysis. Finally, the establishment of a deposit insurance system for the legal norms. All these issues are the comeout of more profound theoretical and practical significance.The topic major research institutions established the deposit insurance-related legal issues.First, domestic institutions in the establishment of a deposit insurance, forms of organization, functions determined that the insured has not clearly defined the content, the paper will be a clear thread elaborate respectively;Second, the current domestic foreign deposit insurance agencies history of the development of the characteristics and problems of inadequate summary, this paper to study in the development process of new issues, new features and reveals our country can learn from the experience.Thirdly, in line with China's national conditions of the deposit insurance system for the legal norms Construction of this paper is the most obvious innovation.