Research On The Issue Of Deposit Insurance System In China

As an important Part of the Financial Security Net, Deposit Insurance System 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.The Subjects that in a wide range of collection, Possession of existing information and on the basis of research result, this subject based on the reality to analysis establishment, and which closely with the combination of theory. Empirieal analysis method isthat used by the facts of observation and experience to build and test various theoretical Proposition on the basis of the deposit insurance agency legal issues in depth. The second is that summed up the results of the current analysis, the main method used by law and history to anaylist deposit insurance agencies as well as the current status and development of the main problems by analysis. The third is that use law and economics analysis of China,The Paper has carried on the thorough discussion and the research to our country Deposit insurance system establishment question. The Paper in Profits from the American establishment deposit insurance system experience in the foundation, elaborated our country establishes the deposit insurance system the necessity and the essential condition, and analyzed our country to establish the main difficulty which the deposit insurance system faced is the financial supervising and managing ability insufficiency, the deposit insurance way choice difficulty, as well as the deposit insurance audit mechanism is imperfect. In view of this kind of situation, this article proposed our country establishes the question which the deposit insurance system should pay attention.