A Study On The Government 's Responsibility In The Bank' S Deposit Guarantee

The 3rd Plenary Session of 18 th CPC take the effective operation of the deposit insurance system as a political advocate referred to very high altitude, while the reality of the situation is not optimistic. China current implicit deposit insurance system is more and more difficult to adapt to the drastic changes in the market environment, including market main body diversification, intense competition and financial institution operation risk diversification and so on. For a long time, China lacks such general specialized and professional deposit insurance institutions as in western society, mainly provide recessive insurance through government, endorsed by the government’s credibility. The consequences of this kind of practice are obvious, like go out of time and confuse government and enterprise boundaries, etc, which as a result make the functions of self-management and self-perfection of financial market restrained, is not a long-term solution. However, the effective operation of the deposit insurance system in western society makes the government exit from the financial insurance area which it is not good at and concentrates on the government regulation on the one hand, on the other hand, promotes the market main body to strengthen self-discipline and self-management, pay more attention to the balance of risk management, give the interests of the savers the most appropriate protection. Therefore, run deposit insurance system is extremely urgent, is an important measure to deepen the reform of the financial markets in China.This paper mainly studies from the following four aspects. The first part, introduce the deposit insurance system by its definition, characteristics, roles, and the duty of the government and related theory. The second part is the development of domestic government’s duty in the deposit insurance, the existing problems and reasons. The third part is the enlightenment of foreign deposit insurance to our government responsibility. The fourth part is to strengthen the countermeasures for government in the management of deposit insurance. The last is the summary of the whole paper.