On The Research Of Deposit Insurance Legal System

Deposit insurance legal system, as the name suggests, is a deposit protection of legal initiatives under the current economic situation is not stable, in order to mobilize public enthusiasm, increase their confidence to economic development, improve they on the degree of trust in banks. Many countries have adopted the deposit insurance legal system, the healthy development is conducive to strengthening the citizen of the security deposit, to ensure that banks, reduce the risk of bank deposits. China in this field is relatively late. At present, there is not a relevant legal system, but due to the establishment of a deposit insurance law system is the trend of the times, so in our country established the system is also very necessary. To establish an effective deposit insurance legal system and need to consider many factors, not only to combine the national conditions of our country, concrete analysis of concrete problems, but also with reference to the foreign related system study the system structure and the core theory, take the essence to its dregs, to learn from that experience, to explore a set of scientific and reasonable and in line with the situation of our country the well-established theory of system.The basic framework of this paper is as follows: firstly, introduce the origin, history and origin analysis of the status quo of the legal deposit insurance system, and then on the basis of the deposit insurance legal system related theory and profound analysis, and through several countries American, Japan and the UK representative deposit the insurance system of investigation and research, and on this basis, analysis of operation situation of China’s financial industry, the necessity and feasibility of establishing deposit insurance system in our country from the current, based on the analysis, put forward a framework suitable for China’s deposit insurance system.