Study On Legal System Of The Deposit Insurance In China

The deposit insurance system, which controls banking risks, protects the safety of the properties as well as maintains institutional development of the financial system, is important.It is also an important part of the financial safety net in the economically developed countries.This system has not only become more and more mature and perfect in developed countries,but also attracted more and more developing countries to actively participate in its establishment.The deposit insurance system is very complex and large, and has a very significant meaning and effects on the financial system. Our research has developed from whether a deposit insurance system should be established into what kind of deposit insurance system we should establish. It needs a long process to gradually improve the system, which requires improvements from repeated practices. Also, a legal system for deposit insurance in accordance with the national conditions and market demand from economic development should be established. Deposit insurance is not only a reliable guarantee to the sound operation of the bank, but also a basic way of increasing the value of the public properties.With the introduction of ”Deposit Insurance regulations",the establishment and implementation of the deposit insurance system is bound to have significant and profound influences on the national economic system.This paper outlines the basic theory from the start of deposit insurance, from an economic perspective and the perspective of law explains the deep reasons were that the system produces, analyzes obtained a positive role deposit insurance system and the inherent flaws. Secondly, through the deposit insurance system and several foreign countries more representative of national and regional performance analysis, obtained Enlightenment deposit insurance system established.Again,introduces the history and current situation of the development of deposit insurance, and on the basis of analyzes of the shortcomings of implicit deposit insurance and a variety of issues affecting the establishment of a deposit insurance system since long to clear improvement in the future direction of the deposit insurance system . Finally, the recent introduction of the "deposit insurance regulations" in the content of specific provisions, and analysis of its causes and raises the need to improve and perfect the three supporting system and the specific content.