Problems And Investigation Of Current Deposit Insurance System In China

To defense the depositor’s legal right and to ensure the healthy and orderly development of financial markets, more and more countries have officially incorporated the deposit insurance system into the financial security system. In China, the 《The Deposit Insurance Ordinance》 was finally issued on Mar 31,2015, which implied that our deposit insurance system was put into force. Compared to other countries, what are the features of our deposit insurance system? Can there be any improvement? How to improve?In this essay, the writer used several methods like data study, comparative study and inductive and deductive method etc. to analyse the common features of the foreign deposit insurance system. And as a result, we find that this system vary from country to country, mainly because of the different environment of each country. However, we also find many similar features among the differences, which can be introduced into ours. Then, we concluded the processes we made to promote the deposit insurance system and the characteristics of a comprehensive deconstruction based on the 《The Deposit Insurance Ordinance》. According to the analysis, we find that there’s some shorts still to be perfected both from the inner design problem and the outer environment system. At last, we made the corresponding countermeasures for the improvement of China’s deposit insurance system from the internal system design and external environment support for the two aspects.