| The first Deposit Insurance System was established in American in 1934. It has been playing a vital role in avoiding deposit squeezing,protecting the depositors'interest and maintaining the public's confidence in banks and safety of financial system, so it has been widely accepted by countries and regions from 1960s.More and more countries and districts chose to establish the Deposit Insurance System.Particularly as the financial crisis broken out frequently in 1990s all over the world, the number of the countries that established the Deposit Insurance System has been increased rapidly .As the part of Financial Security Net, Deposit Insurance System and the Lend of Last Resort are considered as the part of nation's financial supervise system, and will be the bottom line of financial stability.An independent and authoritative deposit insurance institution is the base of Deposit Insurance System efficient operation, and its smooth working can help bring the function of Deposit Insurance System into full play. Only if a perfect institution of Deposit Insurance System was set up can it operate effectively. Therefore, it is important to study the legal issues of the Deposit Insurance Institution. There is no perfect model adaptable to all countries for the establishment and operation of the Deposit Insurance System is concerning with such factors as local financial environment, politic situation, and financial supervision model and other external factors. The paper expects to construct Deposit Insurance Institution of China through absorbing useful advice from other countries.The author tries to make comparison analysis and demonstration analysis of the legal studies on the Deposit Insurance Institution. Apart from the preamble and conclusion, the paper is consisting of three parts:PartⅠis the introduction of the issue. On the basis of background introduction, the author analyzed the Deposit Insurance Institution, its characteristics, its legal status in the financial system as well as the way it operates.PartⅡconducts a comparative study on the Deposit Insurance Institutions among some typical countries. It is expected to provide useful references for China through a comparative study on the Deposit Insurance Institutions in different countries and a detailed explanation about the establishment, function, management and operation.PartⅢaims to study the legal issues in the Deposit Insurance Institutions. These issues included the position of these institutions, institutional construction, functions, operation of its rights, concrete functioning of Deposit Insurance Institutions as well as the legal relationship between these institutions and their related financial subjects. With proper suggestions to these issues, it is expected to establish an efficient Deposit Insurance System and set up our own Deposit Insurance Institutions. |
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