Research On The Function Location Of Deposit Insurance Agency In China

Deposit insurance agency,which is in charge of decision-making and enforcement,plays a significant role in the operation of deposit insurance system.The function range of deposit insurance agency,not only has influence on the operating mechanism and effect of deposit insurance system,but also takes a crucial part in the authority-assigned and conflict-harmonious mechanism among deposit insurance agency and other members of financial safety-wet.It is how to locate function of deposit insurance agency in China,which is a pivotal step during establishing deposit insurance system,that is the controversy academia and practitioner focus on.This paper,which consists of three parts:preface,body including four chapters and conclusion,strives to put forward legislation proposals on how to locate function of deposit insurance agency by means of learning lessons from other countries and regions and in accordance with domestic status.Chapter 1 is to present the definition and category of deposit insurance agency, and to summarize controversy on function location of deposit insurance agency in China.Chapter 2 is to make research on function location of deposit insurance agency in America,Japan,HongKong and Taiwan of China,then to sum up experiences which are useful for function location of deposit insurance agency in ChinaChapter 3 is to clear up reality basis of function location of deposit insurance agency in China on external constraint perspective followed as objective,principle and banking legal environment.Chapter 4 is to make a choice about function location of deposit insurance agency in China among the four basic function:insurance and payoff,bank assistance, supervisory,bankruptcy handling and liquidation,as well to give advices on how to locate specific function.