Research Of The Establish Of The Deposit Insurance In Our Country

Deposit Insurance System (DIS) as an important part of financial security. It is played a important role in maintaining the financial stability, maintain credit of the bank, protecting the depositor’s interest, and adopted by a lot of states, became the popular way for against financial risks and safeguard the security of bank and financial markets. With the deepening of financial reform in China, establish formal deposit insurance system in China is especially important. The research of article is based on the establishment of a deposit insurance system of our country. Make a comparison between froing and our country about the feasibility and necessity of establishing deposit insurance system in our country, the environment of our country and to establish the deposit insurance system may face problems of carding analysis. And conform to the present situation of our country financial market theory framework of deposit insurance system. This paper is divided into six chapters. The first chapter is introduction. The second chapter introduces the deposit insurance system related theory; Third chapter carries on the comparison to foreign deposit insurance system analysis, comparison and analysis of typical countries (Japan, America and Germany) deposit insurance system, from the two aspects of theory and practice experience in one of the important problems were analyzed and expounded. And then put forward some inspirations for the design of the construction of China’s deposit insurance system. The fourth chapter focuses on establishment conforms to related problems faced by deposit system in China. Respectively for the establishment of a deposit insurance system to establish environmental planning, dealing with the problem of deposit insurance system of infectious and avoid insurance system could meet the moral hazard of the three problems are studied, and put forward the difficulties facing in the process of establishing coping methods; The fifth chapter to design of the construction of China’s deposit insurance system, in contrast to draw lessons from foreign deposit insurance system, on the basis of analyzing the realistic conditions of our country and the running environment and combined with China’s national conditions, in organization model, to define the scope of insurance, insurance, fund source and insurance rates, and so on for our country to build a set of feasible deposit insurance system.