Research On Construction Of Deposit Insurance System In China

Over the past hundreds of years in financial development history,bank failures occurred occasionally,a large number of bank failures,especially in the period of global great depression in 1930s.From 1980s to 1990s,whatever Asia’s or Latin America’s emerging economies or The western developed countries economies,they all faced very severe economic and banking crisis.Especially after the 2008 financial storm,bank security has drawn much attention,the topic of how to prevent and defuse financial risks is widely discussed.Theoretical value is in constructing the deposit insurance system which suits China’s special national conditions,in the meanwhile,understanding the system properly. If only understand the system totally and systematacially and research the feature function and limitation,can we provide theoretical basis for the deposit insurance system. Practical significance is in how to prevent the moral hazard and adverse selection,the mechanism of market-oriented exit,providing new ideas for our country’s deposit insurance system.The thesis is divided into five parts,the first part:introduction.Introducing the background purpose and meaning;literature review,research methord,innovation points;the second part: introduce the theoretical basis,including bank fragility, information asymmetry of loan and borrow market,the model of bank runs;the third part:analyzie the reality of constructing deposit insurance system,including necessity feasibility and the main problem;the fourth part:compare of America, part of the European Union countries, Japan,Indian’s deposit insurance system,and summarize the enlightenment to our country;the fifth part:combining global experience and our country’s special national conditions to propose the envisage of constructing our country’s deposit insurance system.