Study On China's Deposit Insurance System Model

The financial risks have existed since the emergence of financial industry. With the reform of natinal market economy system, the competence in this industry becomes more and more fierce, and the operation risks of fiancial enterprises are increaseing; therefore, it is important to introduce and apply deposit insurance system (DIS). Actually, the authorities have carried it to the schedule. Therefore, it is meaningful in theory and practice to do research on the deposit insurance system models, and explore a suitable one for China.Following the paradigm from theory to practice, this thesis is divided into 4 parts to discuss the choice of national deposit insurance system model.The first part is the summary of correlative theories on DIS. It introduced the conception and characteristics of DIS, and stated the necessity, the defects of DIS and its adjustment theories.The second part is the study on the necessity and feasibility of the DIS construction in China.The third part is the international comparation of deposit insurance system models. After the introducton of the deposit insurance system models of U.S.A, German and Japan, this thesis examined their deposit insurance system models from the three angles as follows: the structure of DIS, the functions of DIS and the content of DIS. Finally it concluded the experiences as reference for the DIS of China.The fourth part is the mode design of DIS for China. Concretely speaking, it ought to set up non-profitable deposit insurance company funded by government and bank; this type of company should have comprehensive functions. The financial institutions which absorb deposit should be endowed with the obligation to pay the insurance premium according to risk-adjusted ratio. The object of deposit insurance is residents' RMB deposit, and the limit of compensation sum needs to be set. In addition, it is essential to take measures to optimize the operational environment of DIS.