The International Trend Ofevolution Of Deposit Insurance System

Deposit insurance system as one of the three pillars of a country’s financial safety net, in maintaining the financial order, to tackle the financial crisis and protect the interests of depositors, etc, play an irreplaceable role, but in the process of operation may cause moral hazard, adverse selection, unfair competition, etc.In this paper, the recently, especially since the 2008 financial crisis through the comparative analysis the international trend of evolution of deposit insurance system, summarizes the general rules, worthy of learning and combined with the actual situation of the current deposit insurance system in our country to build discusses the enlightenment to our country.Besides the introduction and conclusion, this paper will be divided into five parts:The first part mainly from the enlarge brings the risk of moral hazard, adverse selection and adverse fair competition in these three aspects are briefly stated the problems that exist in the deposit insurance system operation process.Is described in the second part, respectively, especially since the 2008 financial crisis recently the United States, the European Union, Britain, Japan, Hong Kong of China and our country Taiwan area in our country, this a few countries and regions of evolution of the basic situation of the deposit insurance system.The third part respectively from insurance institutions function, rate, coverage, compensation level, claims procedures, sums up the foregoing insurance fund these aspects, and several countries and regions, the basic trend in the progress of deposit insurance system.The fourth part for recently, especially since the 2008 financial crisis countries or regions of deposit insurance system evolution trend are also elucidated.The fifth part from cross-border coordination, insurance agency, scope, risk assessment system, insurance funds and the special policy implementation time limit several aspects discusses the recent international trend in the progress of deposit insurance system of our country’s enlightenment.