Construction Of The Research On The Deposit Insurance System In Our Country

As the acceleration of the process of the economic globalization，finance as the core of thecurrent economy，in each country of the national economies is an increasingly larger role,whilecountries are also facing increasing financial risk, poses a severe challenge for the nationaleconomic security and economic sovereignty, therefore, the establishment the core position of thefinancial industry is one of the salient features in the modern economy.Banks and financial institutions is the core of the financial industry, the operating of thecharacteristics for their high debt in the financial industry has some of the risk. It is preciselybecause of the banks and inside of the financial institutions as well as financial market hasinstability in inherently, when the individual in poor management of the bank or financialinstitution runs on, the normal operations of the bank or financial institution may also be affectedby the impact. A country’s banking crisis is bound to affect the safety of the entire financial system,Which may also lead to inflation in the country or even make it paralysis as a whole nationaleconomy. China’s financial sector is not only faced with the challenge of the full liberalization ofthe financial industry after joining WTO, the transition to a market economy and economic systemis still in the planning process, confront the old system accumulated leave over, the element of thenew system is imperfect and many that forming the credit risk, liquidity risk, exchange rate risk,interest rate risk, output abroad of the risk and many financial risks. For a long time, china adopteda recessive deposit insurance system, this national commitment to full compensation for financialrisk prevention method is not conducive to increasing investors’ risk awareness, to a certain extentweaken the restraints of the market itself. Not only that under the covert of the deposit insurancesystem, when the bank or financial institution turn out capital liquidity management crisis or faceclosure, usually by the People’s Bank of China to advance funds or by the local government to thecentral bank borrowings disbursements deposits of depositors, the way of help is possible to bringpressure to put in the central bank’s base currency, even to influence and change the People’s Bankimplementation of monetary policy, so is necessary to establish a formal Explicit DepositInsurance System. Research of the deposit insurance system in China began in the nineties, theresearch topics in the field of economics has been fairly deep,informatve, but economic research inthe field is extremely weak. Because China has not been a deposit insurance system, manycountries and regions in the world are already set up for fit the characteristics of the local and relatively perfect of the financial industry of the financial prevention system.The deposit insurance system in most of the countries and regions, the legitimate interests ofprotection for depositors, in particular the interests of many small depositors is the primary goal.The maximum of the deposit insurance system is protecting the interests of depositors, itsprudential supervision by financial regulators and the central bank’s lender of last system withacknowledged as financial safety net for the three basic elements. By the summary of thebackground of the reality of the deposit insurance system, pointed out that at this stage the depositinsurance system main content, depth understanding of the meaning of the deposit insurancesystem, the role of the deposit insurance system of the theoretical basis. Recognize the necessitythat our country establishment of a deposit insurance system, and using figures by coefficient ofvariation method to illustrate for necessity. On the analysis of countries around the world bydeposit insurance system status and performance in basis, discussed to the design of the depositinsurance system in our country.