Study On The Deposit Insurance System In China

Our research on the deposit insurance system has been for nearly 20 years, all sorts of viewpoints under some think China is still not meet the establishment of deposit insurance in the internal and external conditions, not in favor of our early to establish deposit insurance system, triggering a banking crisis; another view is that China has formed a feasibility Analysis on the construction of deposit insurance system the establishment of deposit insurance system, not only can protect the interests of depositors, but also able to greatly promote the benign competition in China’s banking industry. Therefore, this article takes our country whether meet the construction of the deposit insurance system of the internal and external conditions, and on the feasibility analysis of deposit insurance system in China and the necessity of the analysis,So, in order to achieve the purpose of the study in this paper, the basic structure is as follows: the first chapter is the introduction, starting from the background of deposit insurance system, to the domestic and foreign research status quo, extended display and theoretical significance to the construction of deposit insurance system in china. Then,based on the basic problem of the deposit insurance system in the second chapter, several concepts mainly faced from the concept, banking crisis and moral risk in several interpretation of paper. In the third chapter, analyzes the establishment of deposit insurance system in our country from the original intention of this point of view, to discuss our deposit insurance system, to prevent the role of banking risk for stabilization required for depositors and society as well as the deposit insurance system in our country have the feasibility. In the fourth chapter, advantages and disadvantages, to USA Japan, Germany the third national financial system and relevant analysis of the deposit insurance system,set up deposit insurance system in China and provides experiences. Finally, in the fifth chapter, the analysis from the angle of the reference, China’s insurance system and mechanism and insurance limit, sources of funds and the scale of construction for China’s deposit insurance system.Thus, the hope for China’s deposit insurance system perfect play a certain reference value.