The Research Of Deposit Insurance In China

With the development of economic globalization, "finance" the word has become the era of the cusp, the outbreak of the financial crisis around the world, once again let us study continuously in the experience and the lesson. Especially after the accession to the world trade organization, for a country's economic security, not only to face the domestic market of the risk factors, but also to control the exchange rate risk, foreign input risk factors. Therefore, the current financial supervision system is in urgent need to address the problem is how to prevent and mitigate the financial risks caused by the loss.After eighteen, market in the allocation of resources began to play a role can not be ignored. This means that market will be timely eliminated non-performing businesses, banks and other financial institutions will be responsible for their own profits and losses, only the implicit deposit insurance both in implementation and reliability are clearly inferior to explicit deposit insurance system.This paper is based on this background and further research, the paper is divided into six parts, the first part is the introduction; the second part of the integration of the involved theories, summarizes the theoretical foundation; the third part through the analysis of foreign deposit insurance background and the development of the status quo, compare and summarize the related experience; the fourth part, according to the actual conditions of our country, to study the impact of the deposit insurance system and feasibility; fifth part to evaluate China's implementation of the deposit insurance system, including the relevant agencies set up and establish and improve relevant laws and other content; the sixth part of the joint-stock banks China Construction Bank as an example, discuss the specific application the deposit insurance system may bring influence.In research methods, firstly, the customers to protect the interests of the theory, the theory of financial panic, financial contagion theory of the deposit insurance system theory to be studied further interpretation of the deposit insurance system. Secondly, through a system of classification, using empirical analysis and comparative research methods to analyze the foreign deposit insurance system, which of the deposit insurance system of our country to a certain reference role. Finally, using the econometrics and statistical methods to analyze the data in the depositinsurance system of our country, and design the deposit insurance system which accords with our country's situation..