The Research Of International Deposit Insurance Legal System

As an important deposit Insurance System legal system to maintain financial stability arrangements, it has been recognized by more and more countries. It does this by charging a deposit insurance fund to insured institutions and effective supervision, the disposition of financial institutions and other ways to protect the legitimate rights and interests of depositors. According to the data, more than one hundred countries and regions have established a special Deposit Insurance Legal System in the world. On May 1st, 2015, China has start the "Deposit Insurance" as a milestone turned Deposit Insurance Legal System from stealth Deposit Insurance Legal System. On the deposit insurance legal system content design, and risk prevention mechanisms become the focus of the study of the world. This thesis is write in comparative law on deposit insurance law system to provide further suggestions for improving the deposit insurance legal system that has just set up.The main contents is made of four chapters : The first chapter describes the basic concepts and content of the deposit insurance legal system, and to study the legal foundation of security and economics of the system it can exist. Thus the nature of the deposit insurance law system qualitatively confirm the fact, national and regional policy insurance, guarantee insurance and liability insurance.The second chapter is an overview of international legislation file deposit insurance legal system. Mainly expounds the "core principles of effective deposit insurance system," the basic framework and the "core principles and evaluation methods,"The third chapter is write in the Comparative Law from the perspective of the various elements of the deposit insurance legal system. Mainly related to the background of legal system of deposit insurance, determination of the deposit insurance system, the function and the legal nature of insurance institutions, the scope of insurance coverage and the way institutions, and subject matter of insurance premium rates. Wherein the deposit insurance law system integration in the world.The fourth chapter through the interpretation of China promulgated of "Deposit Insurance" and the "core principles of effective deposit insurance system" which promulgated by the International Association of Deposit Insurance and BCBS, the system analyzes the development of China’s main frame structure. Finally, the paper concluded that: a key factor in the impact of deposit insurance legal system of a country is the country’s economic system and market maturity. China’s deposit insurance system should include the construction of processing details of the specific scope of deposit insurance, deposit insurance financing system and the deposit insurance agency. Since the deposit insurance system will inevitably encounter moral hazard, it should be carefully designed specific mode of operation of the system to China. China has established a primary deposit insurance legal system until now. However, the overall level of the banking sector is still relatively weak,is still needs further improvement and development. For the construction of this system should not only focus on theoretical study, it should proceed from China’s basic national conditions and Combine the theory and practice together. International Deposit Insurance Association pointed out that: there is no universal deposit insurance law mode, so to build our country deposit insurance legal system is the weight of legal scholars and experts in practice priority and it is not easy to develop in line with China’s national conditions of the current mode.