The Study On Influence And Countermeasures Of Commercial Banks From Deposit Insurance Systems

With the continuous development and improvement of China's financial system,the important role of deposit insurance system becomes more and more obvious.Its impact on commercial Banks is becoming more and more big,both the positive push,is hidden negative influence,this article through to the deposit insurance system comprehensive analysis of the role of positive and negative two aspects,for the use of this system was fully the positive role of providing policy Suggestions.To this end,we first has been clear about the research background and significance,and related research literature are summarized,the deposit insurance system,summarizes the theoretical basis of,for the contents of this paper after laid a solid foundation.Then,we in the United States and Germany the two typical western deposit insurance system has carried on the detailed introduction and summary,the deposit insurance system of the two countries has carried on the induction,the positive and negative effect to our country's deposit insurance system construction and the use of a certain reference;After that,we to the deposit insurance system of our country,introduces the implementation of to find the specific information,we choose for N bank specific case,detailed role of deposit insurance system has carried on the case analysis,and the case analysis,on the basis of deposit insurance system of commercial Banks in China has played the positive role of are summarized,and,more importantly,we have to fully tap the problems.After doing this work,we put forward specific strategies and Suggestions on how to solve the negative impact of deposit insurance system on commercial Banks in chapter 5 of the article.