| Under the background of economic and financial globalization,the turmoil in the international financial market has intensified,making the deposit insurance system that can effectively stabilize the financial market order and protect the interests of depositors.China passed the "Regulations on Deposit Insurance" in 2015 and formally established a deposit insurance legal system.The problem is that the current system of our country is only supported by this regulation,and the more detailed issues faced in many practices are not effectively regulated.Therefore,our country must learn from the mature experiences of foreign countries through experimentation,and also combine the actual economic and financial environment in China at this stage to complete the legal system of deposit insurance that we have just established as soon as possible,adding another layer of security to the reform and development of financial institutions.The network will provide better favorable conditions for China’s financial reform and development.Therefore,this paper considers that the United States,as the first country to implement the deposit insurance legal system institutionally at the national level,has so far been the target of all developed countries in the rule of law.South Korea,as a neighboring country with China that belongs to the Asia-Pacific financial circle,fully considers the objective financial environment of the country in the specific design and implementation of the deposit insurance legal system,and has many unique features in the specific system construction and detailed design.Therefore,the United States and South Korea are selected.The legal system of deposit insurance in the two countries is the main research object,analyzing and merging the common points and advances in the systems of the two countries,and comparing their systems in China,from improving the basic system of deposit insurance and improving the construction of deposit insurance fund management institutions.Improving legislation technology to fill in the gaps in the system and other aspects,and put forward sound suggestions for China’s deposit insurance system.First of all,in the basic construction of deposit insurance legal system,expand the scope of insured financial institutions,expand the scope of deposit insurance coverage while expanding the scope of deposit insurance funds,and implement the implementation of typed differential premium rate system.Secondly,in the construction of deposit insurance fund management institutions,we will draw on the Korean model and set up relatively professional and independent deposit insurance committees in existing institutions.And learn from the United States model,improve the disposal function of the deposit insurance fund management agencies,making it more inclined to risk-managed deposit insurance fund management agencies.Finally,through the establishment of implied bankruptcy legal system,improvement of information disclosure and disclosure system,and improvement of related supporting laws with the deposit insurance legal system,the effective implementation of the system is guaranteed. |
