A Study On The Impact Of The Implementation Of Deposit Insurance System On Small And Medium - Sized Banks

February 17.2015, in our country has been brewing for more than 20 years of "deposit insurance regulations" by the State Council Legislative Affairs Office after the formal introduction of the approval. Deposit insurance system as China’s new banking reform, the development of commercial banks have an important impact. Especially when compared to the relatively weak market competitiveness of small and medium banks and large state-owned banks.A deposit insurance system has been half a year, is not as previously expected as experts and scholars, they will play a different role? Large state-owned banks and the impact on small and medium banks for what is the difference?This article is from this perspective, the use of a method of comparative analysis, the method of induction and deduction, on the basis of reading a lot of literature on the theoretical results of the previous reference, the study had a positive impact on small and medium banks after the implementation of the deposit insurance system and negative effects. Based on the comparison of small and medium-sized banks and large state-owned banks, this paper studies the impact of the deposit insurance system after the implementation of the deposit insurance system, especially the impact on the special small and medium-sized banks. Draw a conclusion:deposit insurance system to make the status of the small and medium-sized banks to upgrade from a number of dimensions, such as:competitiveness, credit rating.Conduciveto the stable development of small and medium banks. To help promote innovation and small and medium banks, to achieve diversification. A deposit insurance system for small and medium banks there are also negative effects. Mainly in the following four aspects:are likely to cause moral hazard. Risk management is challenged. To increase the operating costs of small and medium banks. Profitability affected. The specific effects will be discussed in detail later.To make the article more convincing, especially small and medium banks selected a representative Bank of Ningbo, Bank of Ningbo on the status of development of the analysis, combined with the financial year 2015 data, in-depth analysis of the implementation of the deposit insurance system of the Bank of Ningbo various effects, both good and there are bad. To point to a representative of Ningbo Bank, for example, it is more proof of the deposit insurance system is implemented on small and medium banks, so this research has practical significance.In order to make the development of small and medium-sized banks in the future, in view of these effects should be active to resolve or avoid. In this paper, based on targeted issues put forward the corresponding countermeasures. I hope that a force of individuals, small and medium banks to be able to better trend direction.