Perspective Of Comparative Law Of Deposit Insurance System

The deposit insurance system is a legal measure to protect deposits. In order to enhancethe public’s confidence in banks, guarantee the security of deposits and maintain thestability of banking industry, an increasing great number of countries have chosen toestablish the deposit insurance legal system, solving the risk of loss of deposit due to theinsolvent banks and other financial institutions. However, China, as so far, has notappeared explicit deposit insurance legal system, therefore, the establishment of depositinsurance will must be a kind of system innovation, becoming an integral part of theeconomic reform in the near future. Besides, we have to analyse the materials and makegood use of the local resources that China has, seeing whether the unique charm of thedeposit insurance legal system and the remarkable important value achieved fit to China,rather than only depending on the legal transplantation. In addition to the matureexperience of deposit insurance law in foreign countries, but also further explore theoptimal path of China. Then firstly, is to excavate the basic theory and system content,making a comprehensive analysis and constituting a proper frame of Chinese depositinsurance legal system.In view of the content discussed above, the first part of this paper is to describe the basictheory of the deposit insurance legal system, mainly including deposit insurance contract,the deposit insurance system’s moral hazard, and the deposit insurance system’s value inpractice. The second part focuses on the different deposit insurance experience withGermany, Japan and Taiwan area of China. After analysis, according to the local conditionsof our country, the last two parts, meanwhile, propose some suitable suggestions aboutChinese deposit insurance system.