The Revelation Of The German Deposit Insurance Model To Build The Deposit Insurance System In China

Since financial industry lies on a core place of contemporary economic system, it has been an important subject to ensure a high-effectively operated financial system in the course of economic development. Ever since 1990s, with the growth of financial marketization and liberalization, financial innovative products boost increasingly. That centralizes and enlarges the risk in the whole system. Therefore, it is urgent to establish and consolidate financial safety, as well as to raise confidence in public under a certain system. Deposit insurance system, an important part in financial safety network, has been adopted by more and more countries for its excellent performances in maintaining the stability in financial system and safeguarding depositors' interests. It is playing an important role in withstanding infectious banking risks and also in preventing and slowing down its happening.As the financial risks piled up for all those past years have been, to some extent, raised to the surface, and more and more institutes are in the trend of running in troubles, it is urgent to properly handle those institutes with problems and make clear the responsibilities of all parties involves in those cases, so as to avoid the systematic financial crisis, keep financial stability, and protect most depositors' interests by implementing reasonable market exiting mechanism. In this dissertation, comparative studies are made among the main deposit insurance systems in the world, and on the basis of studying both theories and experiences of deposit insurance system home and abroad, conditions are concluded in which deposit insurance system can be put into full play. By learning from the German mode of deposit insurance system and studying our own state, this dissertation argues for the positive significance of establishing deposit insurance system in China, and puts forward a complete scheme for establishing such system as well.