| From the U.S. subprime crisis to the debt crisis in Europe, we can see the legal system of deposit insurance in protecting the interests of depositors and maintaining the important role of financial stability. Until now, our country has not yet established a true dominant legal system of deposit insurance, the lack of institutional deposits of financial institutions, resulting in its proper vigor and the lack of competition in the survival of the fittest modern market mechanisms throughout the financial system. However, if our country want to promote the market-oriented reform of finance, improve the financial safety net and deal with the financial risks, we must establish the deposit insurance legal system in our country now. Especially our country are in a period of financial regulation law integration and reconstruction. Launching at this time to build our country’s deposit insurance legal system has important practical significance and guiding significance.This text is divided into three parts, the first part mainly expounds the concept and features of the deposit insurance legal system, the positive energy and reaction and then from two aspects to analysis the pros and cons of the deposit insurance legal system, forming a whole awareness for deposit insurance legal system, and in the last section analysis the deposit insurance the component elements of legal relation in detail; The second part is the research and analysis of each country’s deposit insurance legal system from foreign law angle,mainly from the legislative purpose of deposit insurance, deposit insurance system, deposit insurance agency status, function, organization model, deposit insurance fund sources and use, the deposit insurance system to protect the adding mode, deposit insurance and the subject, deposit insurance limits and rates on the deposit insurance legal system of horizontal comparison method, to provide the construction of our deposit insurance legal system of cetain experience; The third part is the reference of other countries on the international experience, combined with the current legislation and legal environment of our country and the macro-economic environment factor, specifically from the deposit insurance legal system, legislative principles, the purpose of the deposit insurance agency status, function, management system, the organization mode as well as the deposit insurance limits and rates to describe the design of a blueprint for the future of China’s deposit insurance legal system.In this article, the author uses many methods of comparative analysis, such as experience summary method, empirical analysis, to made a systematic study on the deposit insurance legal system, hoping to put forward my own opinion, to make some contributions to the construction of China’s deposit insurance legal system. |
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