| When < Deposit Insurance Regulations > from 2015 May 1 onwards implementation, symbolized our country formally established the deposit insurance system. China has thus become the world’s 115 to establish the system of the country(region). Deposit insurance system is an important financial guarantee system, to protect the depositors of the legitimate rights and interests, and promote the banking industry fair competition, prevent and defuse financial risks and stable financial order plays a very important role in the system of our country has been implementing the implicit deposit protection system, due to the lack of clear legal norms, the relevant parties on their rights and obligations is not predictable, especially use the Kingdom Compared to the home finance funds to bail out banks, both to increase the additional financial burden, is not conducive to fair competition in the market environment of banking financial institutions. And the recessive deposit protection system, deposit insurance system has obvious advantages, has become the common choice of countries in the world.Founder deposit insurance legal relationship with other legal relations, including subject, object and content of the three elements, the correct understanding of connotation, beneficial to our comprehensive and accurate understanding of the deposit insurance legal system, the relevant interest indeed exercise their rights, and fully to fulfill their obligations. In the deposit insurance legal liability in the insurance liability, the liability of the scope and content is by legal provisions, the insurance contract the parties have no right to increase or decrease. The insurer assume insurance responsibility the main payout, rescue, the acquisition and to undertake and the bridge bank, as the specific ways in which, by the purpose of cost minimization and The social effects of the optimization of the principle of choice.To explore whether the collapse of today, we study the deposit insurance system of the purpose and significance lies in the continuous improvement of the system and make it give full play can not be replaced by positive role. But it also is a "double-edged sword", easy to induce moral hazard and adverse selection problems, if not pay attention to the prevention may lead the country’s financial system, and improve the system design level, and strengthen the insurance agency market supervision measures can effectively reduce the risk. Restricting deposit insurance system play a positive factors more, both within the system, there are and the associated financial system matching problem. Therefore, in this paper, the deposit insurance system and related system Of perfect measures, based on to our country current of the system and the present stage of the basic national conditions, combined with the basic principles of best practice in the international community, in the analysis of the improvement measures based on the problems existed in current Chinese deposit insurance system, to put forward sound insured institutions of internal governance and credit rating mechanism, at the same time the insurance agency market exit mechanism is also discussed, and put forward the corresponding countermeasures. |
PDF Full Text Request