A Research Of Optimal Deposit Insurance Coverage In China's Deposit Insurance Construction

With the U.S. subprime mortgage crisis sweeping the globe, the financial security is becoming more and more important in public policy objectives by various countries. Deposit insurance system as the product of the Great depression, plays an important role in safeguard financial security and protect the interests of depositors. With the internationalization of the China economy and reform of China's financial system, it is necessary to introduce the deposit insurance. However if China's design of deposit insurance system does not combine with China's actual, it would not achieve goals which safeguard financial security. Deposit insurance as an important element plays an important role in the depositors and bank managers. Integrate the. China's actual, Analysis how design deposit insurance coverage has theoretical and practical significance.This dissertation introduces the deposit insurance and deposit insurance coverage, and comparative analyze various kinds of deposit insurance by different deposit insurance coverage. Further introduce global game theory for explain the optimal deposit insurance coverage. Through analysis of this model this article determine the optimal deposit insurance and relationship between deposit insurance coverage and related factors.Based in the analysis, this dissertation analyzes the United States, Japan and India's feature in deposit insurance coverage. Summarized these countries'experience in deposit insurance coverage reform and implications of the China deposit insurance. At last, this dissertation combines some of the guidelines for the deposit insurance system which authority in international, the background to China's special conditions, make recommendations and suggestions about deposit insurance membership, coverage and select limit. And on the prospects for China's deposit insurance:In the process of establishment of deposit insurance, we must attend The interests of small financial institutions and small depositors, and explore an flexible mechanisms for changing economic and financial situation.