A Comparison On Deposit Insurance System Of International

Bank,as a special kind of financial institutions,plays an important role in national political and economic operation at all time.Meanwhile,banking is also the key field of the financial supervision in various countries.With the gradually developed financial service and the lifting integration of international economic,however,the financial crisis erupt more frequently,the range of spreading is broader than area coverage earlier to global realm.Governments and international organizations have always been committed to the financial risk prevention,they invent and develop related risk prevention measures increasingly as well in past financial crises.and they also attempt to establish an International Financial Safety Net(hereinafter IFSN).It is recognized by countries that there are three “swords”in financial field,respectively are “prudential supervision” of government, the lender of “last resort” taken by the central bank and the”Deposit Insurance”system.Among these three institutions,the former two have already practiced well in the whole world,and reached many consensus at the meantime to facilitate international communication and cooperation.Nevertheless,the establishment of the “Deposit Insurance”system is still lagging, even developed countries have many differences,so that form a leak in the IFSN.Therefore,it is necessary to compare,analyze and refer different countries’ “Deposit Insurance”system.As the further opening up of the financial sector in our country,especially the objective demand of the interest liberalization and the CHY internationalization need us to establish a Deposit Insurance system.On the one hand,it can provide potential guarantee for small and medium-sized financial institutions,wide the private capital and foreign capital,build multiple financial capital structure,and break long-term monopolize in our financial field,so that the government can free from negative assets of financial institutions,improve the marketization degree gradually.On the other hand,Deposit Insurance system should protect depositor’s benefit in essence,so it can decrease the run on the bank when crisis break out,hence we must put depositor’s interest in the first place at any time.Based on theoretical analysis, historical analysis and dialectical analysis, we analysis the composition and development of the deposit insurance system and the differences between countries.Through a comparative analysis on the international perspective of deposit insurance system and considering our national conditions, the deposit insurance system of our country should adopt a relatively simple mode in the current period and perfect and improve during the folloe-upt financial reform. The deposit insurance system can only play a good role in deposit insurance, only by adapting to the actual deposit system of the country.