Legal Research On The Supervision Of Deposit Insurance Market In China

Deposit insurance is an important part of the modern financial safety net, which plays an important role in protecting the lawful rights and interests of depositors and other aspects. From the construction of legal relationship of deposit insurance and the narrow point of view,the guarantee insurance is a typical kind of guarantee insurance.Compared with purely commercial insurance, deposit insurance has non-profit and mandatory features, which belonging to a type of insurance policy. The deposit insurance system plays a positive role at the same time, which also facing many challenges. Such as deposit insurance market "moral hazard"and"adverse selection risk" Problems; financial market competition and Chinese residents of high saving storage rate enhance the necessity and pressure of maintain the security of financial consumer deposit .Facing the challenges of the insurance market, supervision department must strengthen the deposit insurance market supervision.Through compare the differences of foreign deposit insurance regulation, we can be found that deposit insurance as a type of insurance policy , which stabilizes financial market and improves the financial safety net and also protects the residents deposit safety. The deposit insurance market covers three aspects in most countries:the insured financial institutions supervision; regulation of Deposit Insurance Corp;cooperation between the administration of deposit insurance fund and other banking regulators. The foreign deposit insurance market supervision experience can be used for our country. We should pay attention to the legal system of deposit insurance non-profit, mandatory characteristics, and must take full account of the particularity of the deposit insurance market and the basic national conditionsBecause of the deposit insurance system is a moppet in our country, the relevant legislation lack of long-term and systematic planning and lack of legislative experience and legislative technology, coupled with the legislators hesitant of the banking market risk , which make our current deposit insurance regulation exists many problems. Such as deposit insurance and deposit insurance market supervision is not clear; the lack of supervision mechanism of deposit insurance fund. In order to improve the deposit insurance market supervision in our country, we should perfect the deposit insurance market supervision principle; secondly should accurately understand the particularity of deposit insurance, especially deposit insurance market supervision's targets; and then enact the deposit insurance market supervision and management law ,and improve the commercial bank law and banking supervision law and insurance law; finally perfect relevant regulatory measures from the specific supervision system of deposit insurance market.