| In recent years, the news on the introduction of deposit insurance regulations is continuing to emerge, the development and introduction of the Deposit Insurance Ordinance theoretical and physical conditions are permited. As an important part of the financial safety net, deposit insurance system has played an irreplaceable role in protecting the interests of depositors, maintaining the stability of the financial system building a fair and effective competition in the market mechanism. Although we currently implement implicit deposit insurance system.But with the deepening of financial reform, the national credit should gradually weaken its role in the field of deposit insurance, the independent nature of the deposit insurance institution is responsible for the system.This trend based on the theoretical study of the deposit insurance system, combined with China’s national conditions.Study and formulate specific on Deposit Insurance Ordinance is significant. This article based on the obstacles of our country deposit insurance regulations and outside experience lessons as the breakthrough point, focus to explore the rules of moral risk prevention, deposit insurance institutions function, and make arrangements to regulations, each part of the basic content, makes every effort in the content is complete, under the premise of highlighting, help to establish deposit insurance regulationsThe paper is divided into three parts including Introduction, body and conclusion.The preamble leads to the inevitability and significance of the Deposit Insurance Ordinance.From the point of the deposit insurance system functions and the trend of China’s financial reform.The body part is divided into five chapters to elaborate.The first chapter expounds the development and the need for the introduction of deposit insurance regulations and obstacles to elaborate Part system features and significance the formulated regulations.Deposit insurance system theoretically rising to the legislation, to improve and perfect, will give full play to the positive effect of the system. Subsequent departure,from the deposit insurance legal relationship, the article discusses the rights and obligations of the participating main, and finally reveal the current China’s development of the Deposit Insurance Ordinance biggest impediment to reason.Large state-owned commercial banks have a very low probability of occurrence of the risk of bankruptcy, high-premium small and medium banks will increase costs, and should therefore be to prevent moral hazard as one of the priorities for research.Chapter Ⅱ takes Canada and India for example, the article briefly describe and analyze its legislative path and content of the deposit insurance system, aimed at the use of the method of comparative analysis, the focus is to clarify the legislative choices made by different countries in different national circumstances and institutional arrangements. In addition, this chapter also compares similar security system a brief side-by-side comparison.Chapter III The problem how to against and defuse the risk of moral hazard in the formulation of the Deposit Insurance Ordinance are described. Prevention of moral hazard is one of the core development of the Deposit Insurance Ordinance, only through the differential rate system, limit claims, the scientific definition of the scope of covered deposits, to achieve full sharing of information, we can avoid the risk of moral hazard, keeping the incentives and competition coexist state.Chapter IV Mode and functions of Deposit Insurance Corporation are described. By comparison, the positioning mode Deposit Insurance Corporation Deposit Insurance Corporation funded official and insurance services as the main functions, both regulatory functions.Chapter V Other basic provisions of the Deposit Insurance Ordinance is made arranged, including Ordinance rank, the legislative purpose of the insured financial institutions range.The conclusion contains the follow-up study outlook and Deposit Insurance Ordinance draft. |
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