International Comparison Of The Deposit Insurance System Construction, And Operation Environment

From the "Glass-Stegal" Act, deposit insurance system has been established in 78 countries after more than seventy years' development. And it has formed some mature operating formats and design features. In this thesis, we discuss the theory basis, design features in the view of stability, and examine dynamically the operating environments separately. Then deplore China's deposit insurance system on the basis of former three portions and the situation of China. As a result of deduction, the thesis makes a conclusion that there can be no turning back for China's deposit insurance system, but China needs healthy operating environments composed of corresponding systems.In the theory basis, firstly the thesis summarizes the latest development and guidance documents, then represents five measures to prevent bank running. As one effective measure for bank running, deposit insurance system produces great influence on the stability of banking system, market discipline, subsidiary to banks' owner, financial development, financial depth and banking crisis management. In virtue of foreign scholars' research, the thesis gives the influence exhibitions in former five aspects.The thesis investigates deposit insurance system design features and practices in the world using the comparative method. The thesis lays over the preparation before establishment and the choice of feature design, and places importance on the key points, e.g. the insurance rate. After reviewing the shortcoming of flat rate, we analyze the feasibility of risk-adjusted rate, then using the America's practice to put forth an example to set scientific risk-adjusted system. Lastly, we give a summary to deposit insurance pricing theory.As to the operating environments of deposit insurance system, the thesis decomposes and demonstrates it from four aspects: the members of financial safety nets, banking early-warning, market exit system and system settings. Through the analysis of former four parts one by one, the thesis emphasizes the role of system designs in deposit insurance system's healthy function. What's more, the thesis gives a complete analysis and presentation to transparency and accountability, citing the World Bank's definition to system settings. All the three play an important role in controlling drawbacks, but exerting superiority for deposit insurance system.The last part is the combination of China's situation and deposit insurance system's design feature, system settings. The key to point is that, not only does China's deposit insurance system need to be well designed, but the matched system and construction need to be well designed. The latter is crucial to the system, In this part, I discuss it as follows: First of all, the thesis points out the problem in China's banking sector, then analyzes the reason why it goes well. One of which is the China government's implicit assurance. Secondly, the scientific design features are well described for China's deposit insurance system. Finally, the thesis based on China's financial safety net's problem, presents some improving action. And the graph presents how the system settings affect the efficiency of deposit insurance system, the thesis takes some measures to amend current problems.