Primary Exploration Of The Impact Made By Deposit Insurance Regulations On Bank Bankruptcy Legal System And The Improvements

The formal implementation of The Deposit Insurance Regulations in China started from 2015,and as a widely recognized basic financial system in various countries,its introduction embodied the legislator's relentless pursuit to the protection of the interests of depositors and the establishment of a healthy banking market competition order.The commercial bank is the important financial intermediary in our country,it not only carries out financial services,but also bears the specific implementation of fiscal policy and monetary policy.However,in recent years,the operation ability of commercial banks has been more and more challenged.On the one hand,China is in the transition period of economic development,"the new normal" external factors put pressure on the operation of the commercial bank.On the other hand,China has also taken the initiative to accelerate the financial reform,promote the internationalization of the RMB,the interest rate liberalization and the opening of market access,this requires banks to actively think of change from the inside of the industry.As a result of a slight mistake in the operation of the bank will cause a huge negative impact on the real economy,the further research and continuous improvement for The Deposit Insurance Regulations is of great value.The introduction of the regulations also means that the research on deposit insurance system in China will enter a new stage.At present,the research results mainly focus on the comparative study of overseas deposit insurance system and the discussion on the feasibility of transplanting the system.This article will deeply analyze the deposit insurance system from the angle of law and finance,and focus on the relationship between The Deposit Insurance Regulations and the existing bankruptcy law system of our country.The paper also explores the effect of The Deposit Insurance Regulations as the role of bank bankruptcy administrator on the basis of sorting it out,and further explores the evolution of the regulations supporting system.The article will be divided into four parts to carry out the discussion.The first part starts from the existing exploration results of the deposit insurance system by tracing back to the original system and the rise and decline,and sorts out the development course of each country in this field,so as to get inspiration,provoke thinking,and clear the advantages and disadvantages of specific forms of deposit protection,and point out that the concurrence of implicit deposit protection and explicit deposit insurance system is a better choice.In the second part,the main features of The Deposit Insurance Regulations under financial safety grid will be unscrambled,and this part will focus on the legislative form,functional orientation and functional form.Then,this part will analyzes the above content by integrating financial perspective and combining legal provision,so as to find a direction for the following specific research.The third part will pay close attention to the significance of China's deposit insurance fund management institutions serving as bank bankruptcy administrator,and describes its role for the promotion of bankruptcy delisting,so as to promote the efficient performance of its bankruptcy disposal function on the basis of clarifying the relationship between the regulations and the existing legal system of bank bankruptcy.While in the fourth part,the evolution of the supporting system of deposit insurance will be analyzed,which is the key to ensuring its continuous completion of policy objectives.The author will carry out an analysis on the construction of staff resumption protection mechanism of deposit insurance staff and the reinsurance system of deposit insurance,and then the author will put forward a preliminary conception.