Study On The Deposit Insurance System Of Commercial Banks

Deposit insurance system in the maintenance of public confidence, cut off financial risks, and promote financial stability and the benign development of the banking sector plays an important role, and its value in the financial crisis has been fully embodied. For bank fragility, design not only lack of deposit insurance system itself is not a panacea, but also there is a larger degree of system risk, only the deposit insurance system design is very perfect, very reasonable, can we effectively maintain the stability of the domestic financial order.Many experts and scholars in our country and even the government has to conform to the situation of our country's deposit insurance system to carry out the investigation and study. But as a result of market economy in our country has just established, the financial system reform remains to be further. Therefore, this article in nanchang city commercial Banks, for example, combining the theory of deposit insurance and bank fragility theory, analysis the fragility of Banks generating mechanism, the deposit insurance system of financial stabilizer effect and its negative effects, policy objectives and elements of explicit deposit insurance system; Through comparative analysis of the United States and other foreign deposit insurance design mature model, obtained for our country draw lessons from the experience and enlightenment; Finally analyzes the nanchang city commercial Banks to the current actual development condition, summarizes the main problems in the field of deposit insurance system, on the premise of fully considering the nanchang specific conditions, with reference to the foregoing it is concluded that the deposit insurance system a better mode of experience, designed to implement the mode of deposit insurance system, from system objectives, organization, function arrangement, ginseng protect way, compensation limit and rate of insurance object, design put forward the idea, at the same time put forward to further improve and optimize the nanchang city commercial bank deposit insurance system of measures should be taken.