Research On Deposit Insurance System

With the quickening of the globalization process, the degree of national economic situation influence each other and scope of the growing influence of how to prevent financial crisis, maintain the stability of financial system is the national top priority. Usually in the face of financial crisis, the international common practice is to rely on three pillars of the financial safety net to avoid a crisis, but in our country, there is only the lender of last resort and the Prudential Bank Regulation of two systems is not yet clear deposit insurance system. With the reform of the Chinese financial system, financial market competition will become more intense, just rely on the government’s implicit guarantee to be filled, will exacerbate the nation’s fiscal burden, is not conducive to the development of a country, therefore, our country should combine the existing economic situation, through analysis and comparison of the countries or regions to establish deposit insurance system.