Research On The Issue Of Deposit Insurance System In China

As an important part of the "Financial Security Net", Deposit Insurance System(DIS) has operated for more than 70 years in the world and has played an important role on guarding against financial risks in some degree. With China's development of market economy and deepened reform of financial regime, to establish an efficient withdrawal mechanism in financial market composes a focal point attracting the attention of the whole society, and unprecedented emphasis is placed on DIS.This paper comprehensively discusses and analyzes China's DIS problem in five aspects. The outline of this paper is organized as follows: Chapter 1 provides the purpose, background and the significance of the subject, it also summarizes research techniques and innovations. Chapter 2 provides the literature review of DIS. Chapter 3 provides a comparative analysis between implicit DIS and explicit DIS in an attempt to reveal the internal mechanism of DIS .Chapter 4 provides a detailed analysis of the micro-macro conditions for China's DIS implemented and use measurement means to test China's banking market discipline. Chapter 5 designs a basic framework of DIS according to China's actual situation. Lastly, Chapter 6 summarizes the research conclusions and points out the problems to be further research in the future.