Research On The Deposit Insurance System Under The Marxist Financial Risk Theory

At present,the development of China's banking industry is relatively stable and healthy,but as China's economic and international economic exchanges become closer and closer,China's economy more deeply and more widely into the globalized world economy,the potential financial risks are Plagued our country's commercial banks.Deposit insurance system is a kind of financial security mechanism,which is the key component to maintain the financial risk of banks and the stability of financial system.The deposit insurance system is not only the supplement to other banking supervisory departments,but also protect the interests of most depositors in C hina.The improvement of the deposit insurance system directly affects the steady development of C hina's entire economy.Most experts believe that,after the establishment of the deposit insurance system,one can maintain the rights and interests of the deposit insurer to a greater extent,safeguard public confidence in China's banking and financial system and promote the establishment of market-based financial risk defense and So as to establish a long-lasting and lasting system and system for maintaining financial stability.Second,we can weave a financial safety netwo rk system that can be detected and prevented in advance so as to strengthen our banking and financial industry's ability to prevent and solve the crisis.;Third,through the operation of the market and the market order and market discipline constraints,so as to ensure that the financial sector market atmosphere is fair and just and competitive,which to a large extent protect the private banks,small and medium-sized banks and small micro enterprises Effective and stable development.Therefore,the study of deposit insurance regulations is very necessary and meaningful.The deposit insurance system has been affirmed and respected by legislators to some extent,but there are still many countries and regions that are exposed to banking and financial risks.Many countries and regions with deposit insurance system have proved that the banks have their own information asymmetry with their twists and turns,which exposes the financial risks,especially the moral hazard of the banks in the deposit insurance system.Such as depositors to reduce the bank's market-binding,the banks increased the high-risk investment outside the deposit insurance institutions,the supervision of banks is too loose and so on.Therefore,the financial risks are deeply rooted in the deposit insurance system.However,we can not neglect the important role of the deposit insurance system in the financial system.Financial risk,although a long time,but it is not unavoidable,many areas in the fight against financial risks effect is significant.The scientific and sound deposit insurance system can effectively avoid the financial crisis and prevent and control the financial risks,especially the moral hazard,and maintain the stability of the financial system and social stability to a great extent.However,under the deposit insurance system,because of the limitations of its system and the interference of the external environment,banks are easy to breed financial risks.Therefore,how to prevent and control the financial risks of insurance banks is generally concerned and focused on key issues.Based on analyzes the possibility and harm of the financial risks of banks and other financial institutions under the deposit insurance system,the theory of financial risk of Marxist political economy.Combining with the United States,Germany and the United States,this paper introduces the basic theory of the deposit insurance system.Japan's advanced prevention of financial risk of good experience,and then put forward China's deposit insurance system in the banking financial risk prevention and control initiatives.