| Since the financial system plays a great roll in the whole national economy, most countries all over the world have established a financial safe net to maintain the stability of their financial systems. Deposit insurance system is among the three elements of the financial safe net. From the angle of our current financial environment, with the reform of the financial regime going further, with the orientation of our financial system enforcing and with the various uncertainties increasing, the discussion over the establishment of the deposit insurance system in China becomes more and more hotted. However, the deposit insurance syetem is a double-edged sword. If the designer could not clearly see the potential risks of the deposit insurance system, theoretically explore a improved redesign to avoid these risks, and design our deposit insurance system in line with China's national conditions, the hasty establishment of China's deposit insurance system might be likely to deteriorate the unstability of our financial system. Therefore, before establishing the deposit insurance system, we should analyse the drawbacks of the deposit insurance system, find out ways to avoid their risks, and understand the evolvement of the deposit insurance systems all over the world and various lessons draw from the practice of the deposit insurance system. All these aspects are very much helpful to the establishment of China's deposit insurance system.This paper, by means of analysis integrating theories with practice, combines the practice of deposit insurance systems all over the world with theories. This paper begins with a review of related previous literatures both in China and abroad, so as to reach the frontier of the deposit insurance system research.Then the author analyses the theoretic foundation of the deposit insurance system and its development and active rolls. In the meanwhile the author investgates the whole evolvement of deposit insurance systems all over the world and does a... |
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