Concerning The Construction Of Deposit Insurance System Of Our Country

At present, the global financial crisis caused by U.S. subprime mortgage crisis, theworld economy showing a slowdown in growth, and may even face the situation oflong-term recession. Throughout a series of response measures taken by the Governmentsof the crisis and the significant results can be seen, the establishment of a sound depositinsurance system is timely and effective response to the financial risks of the necessarymeans, far-reaching significance to the maintenance of financial stability.The successfulexperience of countries in the world, for our higher level thinking and deeper, and how tocalmly deal with the international financial crisis through a sound system and legislation,and how to maximize the protection of the interests of financial institutions and depositorsbecome an urgentresolve the issue.The deposit insurance system as to deal with problem banks withdraw from themarket an important legal process, and important to very important role for the protectionof the interests of depositors, to prevent systemic risk. Especially in our country is in afinancial regulation legal integration and the reconstruction period, exploration andresearch of deposit insurance system has great practical significance and guidingsignificance.In this paper, literature, and experience the law and comparative study to explore andanalyze the build of the deposit insurance system in China.This paper utilizes the methods of literature research, experience gathering, andcomparative study to explore and analyze the build of deposit insurance system in ChinaThough the drawbacks of the current application of stealth deposit insurance system,the establishment of the legislative status quo of the deposit insurance system, to establishthe necessity and feasibility of the deposit insurance system, the deposit insurance systemto establish the relevant legal issues and other aspects of analysis combined with the USA,Germany and Japan theoretical and practical experience. Establishment of Depositinsurance System, the necessity, feasibility and specific ideas, and finally come to theconclusion of China’s establishment of a deposit insurance system need to be achieved bysupporting measures such as deposit insurance legislation and deposit insuranceimprovement...