A Study Of China's Deposit Insurance Law System

As an important system to cope with financial crisis,secure the stability of finance,maintain the benefits of depositors,deposit insurance has been adopted by many countries in the world.For long time,China adopts implicit deposit insurance,this is,the state government is responsible to guarantee the deposit money of financial institutions.With the deepening of the reform of financial system in China,it is necessary to establish the explicit deposit insurance system.After many years' theoretical exploration and practice,China issued"Deposit Insurance Act" in 2015 and officially setting up the deposit insurance system.This thesis will make research on China' s deposit insurance law system.The paper is divided into four parts.Part one is the summary of the deposit insurance law system.This part briefly introduces the definition,characteristics,classification,established models,insuring ways and the history of development of deposit insurance system.Part two is the establishment of deposit insurance law system.This part detailed analyzes the reasons of establishing deposit insurance law system in China.It also deals with the process of establishing and present situation of implementing "Deposit Insurance Act".Part three is the evaluation and analysis of China's deposit insurance law system.Selecting "Deposit Insurance Act" as the research subject and making comparisons with the deposit insurance law systems of some foreign countries,this part illustrates the distinct features of China's deposit insurance law system and points out some deficiencies as well.Part four is perfection of China' s deposit insurance law system.This part puts forward relevant suggestions to perfect the current deposit insurance law system in China,such as the solutions to conflicts between laws by rectifying some related rules of "Commercial Bank Law";establishing deposit insurance fund administrative organization with the similar function of administrative organizations and endowing deposit insurance fund administrative organization with the function of manager of bankruptcy.