The Deposit Insurance System, The Applicability Of Research In China,

Financial globalization in the world have had a tremendous impact in the world, in order to prevent and protect the safety of financial markets, the developed countries emphasis on inter-building and cooperation and learn from each other; the developed countries make modern financial law reform legislation, which closer to the market, more emphasis on the stability of financial markets and risk prevention. In order to maintaining stability of the financial system, the common practice of all countries is to establish a deposit insurance system, deposit insurance system , the lender of last resort system, the system of prudential supervision of banks together constitute a country's financial safety net.With the development of the financial system, a large number of the emergence of joint-stock commercial banks, bank insolvency may become a reality, but our government has as a long hidden security system for a long time ,which will increase the burden of government the financial markets but also conducive to the development and stability of the financial market. In order to protect the stability of the financial system and to protect the interests of depositors, China need to establish the explicit deposit insurance system urgently. This article proceeds with the basic theory of the deposit insurance system, through comparative analysis of the deposit insurance system from different economies, the author analyze the necessity and the possibility of establishing a Deposit Insurance System in China.Chapter one focuses on basic theory of the deposit insurance system, including the basic concepts, historical development, theoretical basis, the types of problems, and the legal relations of the deposit insurance system.Chapter two introduce the United States, Germany, Japan, Taiwan's Deposit Insurance System, analyze the history, summarizes the common experience of the deposit insurance system in these countries and areas.Chapter three is about the establishment of deposit insurance system in China ,this part analyze necessity and possibility of the establishment. Then the author give some suggestion, including the deposit insurance organization and function orientation, the deposit insurance coverage and so on.