Research On Construction Of Deposit Insurance System In China

Deposit insurance system is an essential mechanism for financial institutions and depositors to provide a vital support system, relating to the rights and interests of multiple related subjects, which have been established in most countries around the world. China has its own deposit insurance as an implicit system fully guaranteed by the Government, which is very different from the explicit deposit insurance in developed countries. Compared with explicit deposit insurance system imposed by the United States, Europe, although implicit deposit insurance system can effectively safeguard the stability of the financial system, but the price of the effectiveness is the surge in market moral hazard, fuzzy financial institutions exit mechanism.Three of the most important factors affecting the financial regulatory authorities and the lender of last resort and deposit insurance system is restricting financial security, combined with our financial situation and conditions, the establishment of a deposit insurance system is suitable for the rapid and stable development of China’s financial market adjustment and reform of China in resolutely task. From the1990s, the sound of open road to explore the deposit insurance system, but this process has continued for20years. System still has not been perfected, the fundamental reason due to obstruction of the existing system and not fully engaged with the status quo of China’s financial operation.The main object of this study is the deposit insurance system, specifically discusses the hidden problems of our current full deposit insurance system, while the deposit insurance system in comparison with foreign operation, for the establishment of a deposit insurance system suitable for China’s financial reform and to meet the needs of the conditions provided for reference and form the basic framework for conception. Paper is divided into five parts. The first part is an introduction, this paper describes the background, significance and research methods.The second part describes the establishment of a deposit insurance system’s basic theory. Chapter three analyzes the status of the current deposit insurance. Chapter four select several typical countries, compared to discuss their current system suitable for the establishment of a deposit insurance system in China’s financial reform and to meet the needs of the conditions provided for reference. For the establishment of a deposit insurance system suitable for China’s financial reform and to meet the demand conditions is extremely important benchmark value and significance; fifth part relying on the status quo of China’s basic national conditions and finance, and foreign aid related systems, propose a suitable Chinese financial institutional system and stable development, and China has established a sound, workable and efficient deposit insurance system made valuable suggestions.