Research Maturity Deposit Insurance System Environment In China

With the gradually accelerating pace of globalization, the development of economic ties between countries more closely, depth and breadth of mutual influence gradually increased, while the financial crisis in the frequency and probability of occurrence in recent years have gradually increased, more The more banks to collapse phenomenon occurs, in order to minimize the negative impact of a chain reaction caused by the banking bankruptcy, relying on the three pillars of the financial safety net to eliminate this effect became more extensive international practice, but in China it only has two of the three pillars of the deposit insurance system as one of the three pillars, but not explicitly implemented in our country, our country is still just rely on the government’s implicit guarantee to fill the vacancy, but all the disadvantages resulting have been revealed, such as increasing the burden on the government, the central bank’s monetary policy distortions, etc. Insiders from all aspects of the establishment of a deposit insurance system has been extensively studied, they are suitable for China’s proposal to establish a deposit insurance system. From December1993,"the State Council on Financial Reform" proposed "the creation of a deposit insurance fund to protect the public interest," the beginning of a deposit insurance system was created lasted20years,"marathon" of exploration and research, but because bound environment has not yet been implemented. Currently, due to the gradually accelerating the pace of interest rate marketization reform, to promote the success of the joint-stock reform of China’s commercial banks, deposit insurance system to create our external environment and internal demand increasingly mature, regardless of the economic environment, micro-finance environment or policy environment aspects of earth-shaking changes have produced, and therefore, the moment our country is not already in a timely manner to promote the establishment of a deposit insurance system demonstration and the deposit insurance system best opportunities, to promote the healthy development of China’s financial system and financial markets improve, has an extremely important role and significance.In this paper, based on the background described above and carried out a careful study and research. After in-depth qualitative and quantitative analysis of the current economic environment, micro-finance environment and policy environment combining the export of China’s current base has had environmental conditions suitable for China’s national conditions introduced deposit insurance system, China should seize this important strategic opportunities, the early establishment of the special circumstances applicable deposit insurance system.