The Problems And Countermeasures In The Implementation Of The Deposit Insurance System By Longjiang Bank

Through the study of the deposit insurance system,the author makes a survey of depositors and staff of the Longjiang bank,and analyzes the situation of the deposit insurance system of Longjiang bank.The results show that the following problems exist in Longjiang bank deposit insurance: depositors risk awareness is not enough,the staff did not increase the risk consciousness,the deposit insurance system of publicity is not in place,the occurrence of deposit move phenomenon,the bank's internal management needs to be strengthened,can induce the "moral risk" etc..Then put forward some suggestions from three aspects of banks,depositors,regulators that the bank itself should be a clear market positioning and business objectives,strengthen the staff's management to enhance the service quality of banks and provide personalized service to the customer,the management institutions should refine the deposit insurance system,improve relevant content,improve the supporting laws and regulations system,the depositor should improve on understanding of the deposit insurance and deposit safety awareness.