Deposit Insurance System And Pricing Research

The bank management particularity and the management environment not determinism cause the entire banking industry to face the huge latent risk, in order to manage and control this kind of risk, and provide the plan for market withdrawal of the question bank, needs to carry on the system construction. And the deposit insurance system is based on this consideration system arrangement. US has operated officially in 1934 the American federation deposit insurance system, afterwards the majority developed country and the partial developing nations also one after another established the deposit insurance system which have suited the our country finance economical situation. From situation that the country has established the deposit insurance system, the deposit insurance system has displayed the positive role, enhancing the confidence of the public to the financial organ, Suppressing the infection of the risk when the individual financial organ goes out of business, reducing the financial risk, safeguarding benefit of depositor and maintaining finance security, and so on.Along with our country monetary system reform deepening, the competition mechanism that superior win and the inferior wash out market occupies the leadership in the financial domain, so some financial organs fall into the crisis in the intense market competition even to go bankrupt go out of business. The 1990s, the event appears that one batch of financial organs bankruptcy goes out of business. Although, the government that takes the backing of these organizations, took some measures to carry on rescues, because lacked a perfect deposit insurance the system, these measures have brought very many questions to the government, the central bank and so on various aspects, and enlarged the cost that has rescued the question bank. Therefore, founding our country the deposit insurance system imperative, the central bank also already raised the formulation of deposit insurance system the date.