| In recent years, with the establishment of market-oriented economy, the promotion of finance reform and the growth of competition system in China, some financial institutions went badly and became insolvent. Owing to the defect of legal regulations and the lack of deposit insurance system, the interests of depositors have been damaged seriously, which has imperiled the stability of finance system. So, it has become urgent to build deposit insurance system in China. This paper has four chapters. The first chapter analyzes the defects of the way to protect the deposit at present and the necessity to build deposit insurance system in China. The second chapter analyzes the basic theoretical problems of deposit insurance system, including the economic origin, the character and function of deposit insurance system. The third chapter compares the international practices about deposit insurance system, and gives the common experiences of the nation that has build deposit insurance system. The fourth chapter provides some suggestions for the establishment of deposit insurance system and supplementary reform in China. |
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