International Comparison Of The Deposit Insurance System

This article first produced the deposit insurance system implication and the characteristics, pointed out the dominant deposit insurance system and the recessive deposit insurance system similarities and differences, pointed out the great effect of dominant deposit insurance system in enhancing the public confidence to the financial organs , avoiding "the dominoes effect", reducing the financial risks, and so on. It described the deposit insurance system five characteristics and analyzed the theoretical basis of deposit insurance system, emphatically analyzed the moral risk and the reversion choice question. Moreover, the banking industry itself instability also is the rationale which the deposit insurance system produces. Afterwards it took US, Japan, Germany as examples and narrated the deposit insurance system's construction and the utilization in the developed countries, in which inked much is US's deposit insurance system, because it had opened the modern deposit insurance system beginning of a matter. Especially the FDICIA got through in 1991, had carried on the revision and the consummation to US's deposit insurance system. Simultaneously narrated Indian and Hong Kong's construction and utilization as well as the experience in the deposit insurance system, since India was the representative in the developing nations which had established the deposit insurance system , as a part of our country, the Hong Kong special zone's deposit safeguard plan has the reference value very much. On the analysis of these five countries' deposit insurance systems, gave four important propositions to our country. In the fourth chapter, from analyzing the present situation of our country's deposit insurance system and our country's banking industry, pointed out the necessity and the feasibility of our country's establishment of this system. Finally, proposed our deposit insurance system's frame design, including the organization establishment, the organization function, the object, the insurance scope, the quota, the tariff and so on.