On The Construction Of The Deposit Insurance System In China

At present, we have study the Deposit Insurance System for more than ten years. So the community of scholars already have more understanding of the convergence in the setting up of Deposit Insurance System-China is bound to establish a Deposit Insurance System. But how to create the Deposit Insurance System is problem. This article focused on start from the idea and concerned about the specific structure of the design and construction process in the possible problems and related solutions. How to set up the Deposit insurance system is first to solve the understanding problem of basic problem of the deposit insurance system. After the several years of sustained exploration and research the Deposit Insurance System, basically now formed a fixed several models to choose from. The so-called model of the Deposit Insurance System is the means of financing, insurance, and Peifu way way way in the organic combination of the three. Despite Deposit Insurance System is vastly different in the world, but the pattern of deposit insurance in general can be divided into two categories:government deposit insurance models and non-deposit insurance mode. Both deposit insurance model each have their own advantages and disadvantages, making model choice of factors to consider when very large, mainly by countries of the conditions is already the then existing economic and social environment to decide. The another important issue of Deposit insurance system is the concept of deposit insurance system design problem. The basic deposit insurance system design concept includes two aspects:First, through effective deposit insurance system design to ensure realization of the goal is met or the protection of depositors, deposit insurance or to maintain financial stability in development. Second, through specific technical arrangements, the maximum deposit insurance system itself reduce the problem of "moral hazard" and "adverse selection" and other negative effects. Terms of policy objectives, an economy of financial safety net De arrangements determine the deposit insurance, the basic Gongneng system and the authority of, this is the design of deposit insurance other frameworks; in "moral hazard" and "adverse selection" prevention, depends on the deposit between the target and the efficiency of the insurance game. On the deposit insurance system to make clearly defined the basic problem, the next step is to solve the deposit insurance model in China in the choice. Comprehensive analysis of China's existing financial environment, social environment, China's choice of deposit insurance model should opt for a mandatory deposit insurance scheme, the full amount of limit pay, and the combination of the debts of the deposit model and the hierarchical mode of premium rates. There is no unified institutional framework for all countries about how to set up a good deposit insurance system, but there are some basic guidelines to be learned, which is present in the deposit insurance system, the basic concept of the principle of being. Deposit insurance system in the development of China's policy goals, both goals have been established to absorb the superiority, but also pay much attention to their own economic conditions, legal and regulatory framework, banking system structure, accounting, monitoring and auditing standards, disclosure systems, etc.Think of the current environment, China's financial operation, our deposit insurance system, established to consider the following policy objectives:to protect the interests of small depositors (depositors and other institutions such as banks, insurance companies and other creditors are not subject to deposit protection); on insurance implementation of financial supervision of financial institutions; to maintain the stability of the banking system and health development, and promoting fair competition in the banking sector. There is also a not to be neglected is to avoid moral hazard, which is in fact a deposit insurance system need to address the most important policy objectives. Establish an effective system, and then make it a smooth operation of each system was originally conceived, but each system was established after the bound on the existing system, including the social environment affect moreover, the deposit insurance system itself, there are some inherent negative effects. Then, after the establishment of the impact on stakeholders is inevitable. In particular, the deposit insurance system established in China may later on the different economies, and the current legal system's impact will be very clearly, and must design a system that would be expected in advance to start to these would be make an accurate estimates and to make countermeasures side is the contribution of researchers to be.The basic structure of this article is as follows:first chapter is the introduction, from the research background of this issue, through the domestic and foreign research analysis, raises the issue of significance, including the theoretical and practical research significance. Then the second chapter of the basic problem of the deposit insurance system, that is what is Deposit Insurance, deposit insurance model types and the establishment of a deposit insurance system, the basic idea of deposit insurance, and many other aspects of the basic concepts in a comprehensive analysis.The third chapter conducts a comprehensive analysis on the situation in China.Concluded that the Chinese model in the deposit insurance system should select the choice of what kind of road, and why choose this road. Chapter IV of the deposit insurance system in China from the establishment of the basic framework of the study the deposit insurance system in China, the basic concept and design of deposit insurance system in China's basic elements. For a system can effectively set up, and continuously enforced, then we should consider in establishing the beginning to the potential for negative impacts, such of the existing social system of legal systems impact, in response to this possible impact, we must prior establishment of an effective preventive measures. Fifth chapter is a study of this issue.Features of this article is that the new perspective, previous studies are often simply ignored their focus on the actual construction of the system, this unique person is that came from China's specific national conditions in order to build the perspective of specific system of deposit insurance system superficial analysis. Most current theorists remain concerned about the necessity to establish a deposit insurance system, the few people who are concerned about the deposit insurance system in the specific construction problems and countermeasures. This article attempts to align the research in perspective, the use of empirical analysis and comparative analysis method to some extent, research in this area trying to make up for Shortcoming.It Has some theoretical significance.