Study On The Construction Of Deposit Insurance System In China

In today’s world, most countries to strengthen financial supervision, to guard against financial risk practices is the deposit insurance system, to protect the interests of depositors, safeguard the financial order and stability to have positive effect. The deposit insurance system and the prudential supervision and central bank lender of last resort features together constitute the three major financial safety net, maintaining financial security system stability. Financial stability has become the modern credit economy era a major global issue, the traditional commercial banking business in the financial system status play a decisive role. But the current commercial bank supervision, deposit insurance system has been the central banks and other specialized banking regulators work together to maintain the banking and financial sector stability.In recent years on the establishment of deposit insurance system in China has been the subject of debate. Our country has not yet been clearly established the deposit insurance system, but it does not mean that China’s banking financial institutions do not exist bankruptcy risk. With the financial market reform, as well as the2008financial crisis triggered by the financial macro Prudential issues, deposit insurance system once again pushed to the reform of China’s financial system in the. The people’s Bank of China issued the"2010Financial Stability Report" shows, our country will be in the"12th Five-Year Plan" period, the formal implementation of the deposit insurance system, thereby changing the nation has long bear banking financial institutions bankruptcy risk status.The deposit insurance system as the research object, mainly expounds from four aspects:In the first part of this text is from the basic theory of the deposit insurance system and development proceed with, brief overview of the deposit insurance system establishment background and development process, combed the deposit insurance system in the global development situation, and the deposit insurance system of several important contents of the international comparison.In the second part elaborated the basic frame of deposit insurance system. From the deposit insurance and financial safety net, avoid the moral hazard and adverse selection analyses the design of deposit insurance system needs to pay attention question; summarized the basic content of the deposit insurance system design. In the third part of establishing deposit insurance system in China’s environmental analysis are discussed. From the macro economic and financial legal system, financial supervision pattern as well as the three aspects of China’s deposit insurance system, the operating environment is introduced.The fourth part of China’s deposit insurance system design. From the examination of China and foreign economic and financial environment, supervision model and other external factors, designed in accordance with China’s current national deposit insurance system is the main content of the.The third part and the third part is the focus of this paper.