Our Country Deposit Insurance System's Construction

China's deposit insurance system of more than ten years, and made a lot of research results. However, the domestic scholars on the deposit insurance system mainly focused on establishing a deposit insurance system to foreign experience for reference and the design of deposit insurance system, few scholars are concerned in the implementation of real implicit deposit insurance system to establish the basis of explicit deposit insurance system up this issue. This article is from the implicit deposit insurance system around the explicit deposit insurance system to the feasibility of the issues discussed. First of all, from different angles demonstrates the existence of the reality of implicit deposit insurance system; Second,discusses the establishment of explicit deposit insurance system in China is an inevitable choice; Finally, explicit deposit insurance system in China made a preliminary design of the structure.This article consists of six parts, the first chapter is the introduction, introduces the topics of the background and significance. Chapter disposal of financial institutions through the exit of several classic case of state-owned commercial banks and the implicit guarantee to research the objective existence of implicit deposit insurance. ChapterⅢof the implicit and explicit deposit insurance deposit insurance system for the comparative analysis show that explicit deposit insurance is better than implicit deposit insurance system, and use the national utility function of cost-benefit approach demonstrates the implicit deposit insurance system to the Deposit Insurance system changes the system change process. The fourth chapter focuses on changes to the Deposit Insurance System from international experience, as Japan and Korea to implement a similar process of institutional change, we can learn lessons for the establishment of explicit deposit insurance system in Chinafor reference. Chapter from the macro, macro and micro aspects of the introduction of the three explicit deposit insurance system environment are analyzed. Chapter VI discusses the explicit deposit insurance system of the basic architecture design issues, namely to establish a deposit insurance system in China's policy objectives, the functions of deposit insurance agencies to set the scope of protection, fund raising and the use of deposit insurance, the insurance limits, insurance the determination of rates and other issues discussed in depth, basically build the deposit insurance system in China model.Deposit Insurance System in China contains two meanings, one refers to the implicit explicit deposit insurance system to the process of transforming the deposit insurance system, and the second is the establishment of explicit deposit insurance system and design. In this paper, incremental approach should be taken in China to establish a deposit insurance system, the design of the deposit insurance system need to consider multiple factors, develop a line with the national deposit insurance system design.