The Research On The Construction Of The Deposit Insurance System

Whether a country’s financial system security and stability will directly affect the country’s economic development, social and economic rapid development today, in our country’s financial system is also in constant change and improvement of the current deposit reserve system is gradually showing its disadvantages. Deposit insurance system for the protection of the interests of depositors, promote the healthy and rapid development of a country’s economy and maintain steady and healthy development of the financial system to be able to play a positive role. At present, many countries worldwide have successively set up deposit insurance system, and in the process of the construction of the socialist market economy in our country, the financial system development, but accompany with the disadvantages of the deposit reserve system is frequent, also proved that the rapid and sound development of economy has been put forward for us to change the objective requirement of the deposit reserve system. For a long time, our country is always the default implicit deposit insurance legal system and the inadaptability between the existing financial market is also gradually highlights, so it must be accordingly adjusted.Usually deposit insurance system is an one of main measures to prevent or control of the financial crisis, is good to maintain the stable development of the financial system. And how to set up a deposit insurance system suitable to China’s national conditions, is the first requirement of the development of finance system in our country, to maintain the stable development of finance system in our country at the same time is also very urgent. Although our country has been through a long period of time, and try to set up a deposit insurance system, there are many details but for each to discuss problems and needs to be perfected gradually. Through the continuous improvement of the domestic legislation, it is necessary to the implicit deposit insurance system in our country legal system, the deposit insurance system can better protection for the development of financial institutions and security maintenance.So this article on the deposit insurance system on the basis of the study of deposit insurance system development present situation at home and abroad. First has been clear about the concept and characteristics of deposit insurance and deposit insurance system, and on this basis several patterns of deposit insurance system is expounded, and decided to choose which model factors, and then by Japan in the developed countries and developing countries in Asia, India’s analysis and comparison of the deposit insurance system, sum up the deposit insurance system of our country will establish in the necessity and feasibility, and puts forward some concrete ideas, hoping to find a more suitable for China’s economic development path, make the subject is of more important significance.