Measurement Of Commercial Bank Deposit Insurance Premiums On The Practice Of FDIC

Under the background of economic globalization,the international financial market is volatile,the financial storm occur repeatedly.The financial crisis or storm will seriously affect the normal operation of the economy and social stability in this country,and even bring serious impact of international finance.With the continuous development of economy,the phenomenon of bank failures happen very often.In order to avoid bankruptcy by the bank of a chain reaction,general international practices is to establish the central bank lender of last resort system,the financial regulatory system and deposit insurance system.At present, China only has the first two system,deposit insurance system has not been clearly established. Current system in China is implicit deposit insurance system.The government through the provision of recessive guarantee to maintain financial stability.But it will bring a series of negative influence,for example,the central bank’s monetary policy is distorted,the government’s financial burden,Investor risk awareness,investors in the supervision of financial institutions.The United States set up deposit insurance system in1933,today more than110countries around the world has establish the deposit insurance system.To establish the deposit insurance system,helps us guard against financial risks and stability of a country’s financial system,is advantageous to the innovation of traditional philosophy to raise public awareness of risk,Is beneficial to strengthen the supervision of the central bank’s efforts to reduce the burden of the central bank.In the question on the deposit insurance system to establish,the key is the problem of deposit insurance pricing.Many scholars have studied the establishment and pricing of deposit insurance system in our country.This paper mainly divided into four parts to discuss.The first part first analyzes the current of the nature of implicit deposit insurance system and the government’s measures.With the examples of Hainan development bank account for implicit deposit insurance,from the perspective of the government, commercial Banks and depositors implicit deposit insurance system of our country.From the macro and micro level analyze the necessity of establishing explicit deposit insurance system in our country.The second part introduces the federal deposit insurance corporation how to establish the framework of deposit insurance system.The history of the deposit insurance system is first introduced,then to analyze the change of the system of content and the framework for the establishment of deposit insurance premiums.The third part is to use CAMELS system to analyze listed banks and use sufficient assets evaluation system for listed banks to classify them.Then we can get the risk classification of16listed banks in China.To get together these we can calculate the deposit insurance premiums of listed banks from2012to2013.To analyze listed banks’operating profit,we can get that deposit insurance system of listed banks is a burden.The fourth part is the conclusion and suggestions. Implementation of explicit deposit insurance system will significantly increase the burden of bank insurance premium.The implementation of explicit deposit insurance system is a drag.Explicit deposit insurance system of China should be realizing a complete coverage of bank deposits.This step should be to carry on.Little risk of banks first to implement the system.High-risk Banks push again.Then we can ensure that the deposit insurance fund support capability.In the short term high-risk Banks still need government to guarantee.eventually independent and market-oriented explicit deposit insurance system should be established in China.