The Study On Chinese Deposit Insurance System

The essence of the government to regulate and supervise finance process was to promote financial development and safeguard financial security. Finance security was the foundation to promote financial development. Deposit insurance system(DIS) was considered to be the last defense in modern finance safety net. Chinese finance industry was in the interim which government recessive guarantee was being transformed into explicit deposit insurance system. How to establish and improve Chinese DIS, and how to solve the system design problem were very important questions which should be paid attention to.Among the studies on Chinese DIS, most introduced foreign experience and then put forward policy proposal to Chinese DIS arrangement. Theoretical research and practice exploration on DIS overseas were comprehensive, but China had its own character, especially under the premise that finance market was highly developed and supervising and managing were perfect, foreign experience was not suitable to China. Moreover, studies concentrated too much on theoretical analysis and needed demonstration, for example, how to compute the deposit insurance rate, and what kind of deposit should be put into the system. And target system which was used to appraise deposit insurance system had not been put forward yet.Based on foreign experience on DIS, this paper used theories from Development Economics and game theory, to analysis the advantages and disadvantages of DIS, and Chinese government recessive guarantee. At last, this paper put forward many suggestions to build Chinese DIS, and its design pattern.This paper was composed of three parts:First part outlined briefly the background, goal and significance of this research, as well as which method this research had used.Second part studied the DIS in Germany and American to analysis why they succeed. Then from the angles of external influence and internal risk to analysis the result and effect of DIS. Finally, through the contrast analysis of explicit DIS and recessive guarantee, discussed the necessity for China to establish DIS.Third part was the most important one. It put forward the design pattern of DIS in China.There were three aspects which may be innovate. First was to put forward appraisal system of the achievements of Chinese DIS. Second was to put forward the reinsurance. Third was to use Chinese data to compute the deposit insurance ratio.