The Deposit Insurance System In China's Building And Pricing Research

Since the financial industry, financial risk on the attendant, the two hand in hand. With the United States sub-loan crisis of the global financial tsunami, not only national banks be greatly affected, but also because of the financial industry has led to question the real economy recession, which shows that the importance of financial sector stability. The stability of the financial services industry with particular attention to improving the financial safety system. And China's financial safety system, one of the deposit insurance system has not yet been set up, in order to create a favorable business environment, the imminent introduction of a deposit insurance system. In fact, Chinese government from 1999 will be put on the agenda. This article first deposit insurance system for theoretical analysis. Information asymmetries are the basis of the risks of banks have, in the face of taking risks, taking people on"The Prisoner's Dilemma"psychological easily have run behavior, because of the risks of banks contagion effect is bound to spread to the entire financial system. This"market failure"in the performance of the Government set up the basis for the deposit insurance system. But after the establishment of a deposit insurance system has brought the risk of moral hazard, adverse selection and supervision of tolerance problem, measures must be taken to deal with. At the same time, think of this article set up deposit insurance system should draw on the successful experiences of other countries, the article at the second part of the United States and Japan's deposit insurance system were compared, summed up for our country learn from the experience and enlightenment. This is also for the latter provided the basis for policy recommendations.Deposit insurance pricing system of risk management are the core questions, thesis devoted to deposit insurance options set Price model, expect pricing model, such as loss of an in-depth analysis and detailed commentary on the idea of the limitations of a variety of pricing and possible use of space. Article on deposit insurance pricing (rates) to carry out a quantitative analysis, the use of options analysis Empirical Study of China's commercial banks to determine rates.Detailed analysis of the thesis at this stage of China's financial institutions risk profile, consider whether it is protecting the interests of depositors, and improve macroeconomic regulation to strengthen financial supervision, improve the reform of commercial banks, or to create a fair competitive environment, achieve market-oriented reform of interest rates in terms of set up deposit insurance system must have the need. And specific analysis of the current deposit insurance system set up the environment, the time is ripe. On this basis, proposed the establishment of the concept of a deposit insurance system in China. Of course, the deposit insurance system must set up the necessary conditions. Thus, the combination of China's thesis reality, at the end of the corresponding policy recommendations.