Research On The Effect Of Deposit Insurance System On Bank Of Lanzhou

Our government has enacted regulations on the deposit insurance, deposit insurance system started to normal. The regulation is to deepen financial reform, the important measures to maintain financial stability, is an important part of financial safety net, further straighten out the relationship between government and market, promote the healthy development of the financial system in our country, and accelerated the pace of interest rate marketization in our country, will inevitably have far-reaching influence. Deposit insurance system will be different effects on the various Banks. For well-funded, strength of large Banks, the implementation of the deposit insurance system to cause this kind of bank of Banks are relatively small, and the difference is small and medium-sized Banks, due to the small and medium-sized Banks generally small scale, single business, the implementation of the deposit insurance system for the bank is bound to cause great influence. So, including many small and medium-sized Banks, rural credit cooperatives and other city firms should be adequate measures, active in the face of the deposit insurance system and the negative impact of market-oriented interest rate environment, work out and explore suitable for their own health development.Lucrative popular public criticism, China’s banking sector of China’s financial reform launched the marketization of interest rate on the one hand, is determined by the financial institutions in a certain range of independent deposit and lending interest rates; On the other hand let go of the pace of the private capital for Banks, to introduce competition. But these changes will bring new problems, is the radical Banks once appear, bankruptcy, depositors deposit is facing the risk of loss. Previously, depositors deposit guarantee by the government in our country, not the concerns of the deposit will not be repaid. But the government out mechanism to encourage some of its own bank of risk control is not strict, especially in private Banks to enter the market, this through the government out of the mechanism is more unreasonable. The implementation of the deposit insurance system to solve this problem. This mechanism-----get basic guarantee under the premise of the interests of depositors by small and medium-sized Banks and private Banks’risk since the bear, more in line with the rules of market-oriented reform.In 1993, the scholars of our country, as the research achievements about deposit insurance fund, by 2015, our country from theory to practice areas laid a solid foundation for the implementation of the deposit insurance system. Until the deposit insurance regulations, began in the nationwide implementation of the deposit insurance system in China. In the modern financial development, deposit insurance system is to protect the financial stability for a certain country or region or protect small depositors and the establishment of a system. From the deposit insurance system theory point of view, it can effectively protect the interests of small and medium-sized investors, more can prevent bank runs, to a certain extent and maintain banking stability. Implementation of deposit insurance system, particularly the impact on small and medium-sized Banks.Therefore, this article from the deposit insurance system related bank fragility theory, bank financial intermediation theory, and the theory of depositors to a theory, and studied the function of deposit insurance system, combined with early foreign deposit insurance system to study the influence of commercial Banks, on the basis of the above implementation of lanzhou bank deposit insurance system is analyzed, the influence of draw of lanzhou bank there are both positive effect and negative effect of conclusion, after combining lanzhou bank internal and external development environment, pertinently put forward the countermeasures to lanzhou Banks. In the early stages of the deposit insurance system, and its influence on commercial Banks, no doubt, especially for small and medium-sized Banks is bigger, the influence of the hope that this article can for small and medium-sized Banks on the premise of the system implementation, better actively deal with, in order to promote the better development of financial markets contribution meager strength.