A Study On The Construction Of The Deposit Insurance Law System Of China

On May 1st, the Regulations on Deposit Insurance has taken effect officially, which means the construction of the deposit insurance law system in our country has been put on the schedule and is a considerable material progress in constructing the system. Actually, our country has planned to construct that system in 2003, and the initial draft of the regulation was completed in 2004. What’s more, the Financial Stability Board of the People’s Bank of China has set up Deposit Insurance Office, whose responsibility is to promote the construction of the deposit insurance system of China. Unfortunately, the initial draft of the regulation was set aside because of the global financial crisis. In the year of 2009 and 2010, the People’s Bank of China attempted to report the Deposit insurance scheme for twice, but the trial ended up a failure because of the concern that the time not ripe. However, the China Financial Stability Report of 2012 mentions that the time of constructing the deposit insurance system in China is mature. In addition, the China Financial Stability Report of 2014 mentions to construct the deposit insurance system and improve the market exits mechanism. From the current situation, it has tremendous material meaning to study on the construction of the deposit insurance law system of China.The thesis’ s contents can be divided to 3 parts. The author mainly uses some inductive methods such as logical reasoning and some research methods such as comparative analysis, literature references to study on the several questions about the construction of the deposit insurance system of China, trying to put forward some views and vision on the basis of having a general systematic understanding of the system itself.The first part is mainly about the basic elaboration of the deposit insurance law system itself. This part elaborates the concept, production and development, and the current development of deposit insurance, and analysis the rationality of the system’s existence. There are more and more countries globally choose to construct the system also proves that kind of rationality.The second part firstly elaborates the necessity and positive influences of constructing the deposit insurance law system in China. On the basis of the above-mentioned content, this part also covers the negative effects of the system and the responses for them, which can be a reference to the third part. Besides, this part contains a study on the environment of constructing the system in our country, and reaches the conclusion that our country has had the environment for constructing the system.The third part is a study on the system design of the deposit insurance law system in our country. Combining with the Regulations on Deposit Insurance, the author studies the main questions about the construction of the system in our country, including the deposit insurance fund management institution, deposit insurance funds, deposit-taking banking financial institution, and deposit insurance business, and sets forth the basic idea and suggestions about the system design.