Deposit Insurance And Our Banking's Stability Development Studying

Along with the financial structure reform and openning-up of financial market, the commercial banks of China will suffer more from fierce competition and unpredictable external forces resulting in many hank crises. Financial systems must work smoothly and efficiently in the global economy.Increasingly, more countries have adopted deposit insurance as a safetyi. net to protect their banking systems. So it has become a problem about howto rationally construct our country's system of deposit insurance, in order to protect the interest off deposit, pledge normal payment of deposit, and defend the stability of the whole financial system.In this thesis, I analyze the systems and mechanisms of deposit insurance and the various effects resulting from the scheme. I collected and investigated the practical conditions of our banks and mechanisms of deposit insurance in our country. Based on the therotical and practical analysis, I drew some new conclusions about how to construct china's deposit insurance systems.This text has five chapters: Chapter one is an introduction, which outlines the structure and methodology of the thesis. In this part, 1 also review respective studies in this field. Chapter two elaborates on the bank crisis and crisis prevention theories. Beginning with the specialties of banks, I compare different ways of preventing bank crises. Chapter three introduces the practical conditions of our banks and mechanisms of deposit insurance. Chapter four focuses on the cost and revinew of the deposit insurance. As a conclusion, chapter five touches on the realistic problems of establishing deposit insurance in China.