The Research On China Establishes Deposit Insurance System

Along with the development trend of financial globalization and infection of financial crisis constantly strengthen. Financial risks arising from one country will spread rapidly, Affecting other financial stability countries. Since the establishment of the Deposit Insurance System, It play important action in enhancing the depositors confidence of the financial system and defending the interests of depositors, Strengthing the stability of the financial system. Therefore, Most of which do not establish the deposit insurance system are arrange actively.Our country is recessive Deposit Insurance System all along, Which take state reputation for financial organization. All stability builds on the basis trust, Currency crisis will come when the comfidence crisis happen. With the increase of finance innovation, Spring up of foreign capital. Degree of financial deepened and the enlightenment of subprime mortgage risis, So we must built Deposit Insurance System. At present, Our country has already haved the ability to built Deposit Insurance System, We also have to perfect the financial laws and regulations of all the aspect, Accelerate the process of commercial bank, Perfect the credit system of bank, Reinforce inside control of bank to ensure run effect of the Deposit Insurance System. Through analyse of foreign Deposit Insurance System and accord to Chinese actuality, Drawing up the relative frame of Chinese Deposit Insurance System.At the same time, Building bank Deposit Insurance System that is "double-edged sword " , Weakness must be conquer when it defends the stable of financial system. Analyzing that moral risk is being born in financial system because of information asymmetry. The founding of Deposit Insurance System on one hand loosen the bank'pressure that comes from the deporsitors'supervising, On the other hand, Acticates the bank risk motive. So the way to deal with the situation will offset the harmful effect and bring bringht forward into play.This article is divided four parts to carry on the elaboration, Firstly introduces the production background,Present situation, Connotation, The function, The rationale of deposit insurance system; Then introduces the overseas deposit insurance system content; The third part through practice analysis of the foreign deposit issurance system proposed our country deposit insurance system establishment necessity, And introduced our country deposit insurance system concrete design; Finally introduced question in the deposit insurance system and proposed the guard measure.