| Bank as a company, will inevitably encounter the problem of bankruptcy, but the bank’s high debt management feature determines that the bank bankruptcy will cause great in the community adverse effects of bank run risks,declining people’s consumption will,weakening the vitality of enterprises, the whole economy coming to a standstill, and even leading to mass incidents,so make sure the banking system, financial system stability becomes extremely important.In order to make the probability of a banking crisis as low as possible, while weakening the adverse effects of the crisis,governments should pay more and more attention on the financial safety net construction, where as one of the three pillars of the financial safety net of deposit insurance system is considered as a basic system to maintain long-term stability of the financial system by many governments and international organizations.Deposit insurance pricing as the core of this system,the high pricing will cause the problem of adverse selection and low degree of participation of bank,the low pricing will cause moral hazard.Therefore reasonable pricing determines the healthy operation of the deposit insurance system.With China’s deposit insurance system to be established, based on bank risk to determine the reasonable rates,we can eliminate moral hazard, and promote the healthy operation of the deposit insurance system, so as to maintain the financial stability of our country.For this reason, this paper mainly focus on the deposit insurance rates determined research.In referring to the theories and methods from abroad and on the basis of the specific conditions in our country, the paper raises premium rates in a more realistic assumption,which would provide some suggestions for the establishment of the deposit insurance system.In this paper, under the overall framework of regulatory forbearance and reinsurance, this paper takes into account two different movements of bank assets and two roles of insurance institutions, and then derive four different pricing models, and finally in the fourth chapter of the empirical part, we will select the daily stock price data of 14 listed banks to estimate in the specific circumstances deposit insurance rates, while the paper compares the premium rates of the different circumstances in order to find some of the issues and draw some meaningful conclusions. |
