Analysis On The Construction Of Saving Deposit Insurance System In China

Deposit insurance system is also called deposit guarantee,which means that the deposit insurance fund should be formulated in the form of law,and clearly stipulates that all financial institutions in the financial system should be involved in the deposit insurance system.When the insured banking institutions come up with bankruptcy risk,insolvency,deposit insurance management institutions can take coercive measures in financial institutions,to participate in the liquidation of bank deposit insurance fund,and the usage of this mechanism of debt payment,reduce depositor ldamages,the smooth development of the maintenance of financial environment.The deposit insurance system.prudential supervision of banks and the lender of last resort of the central bank form the iron triangle,which surrounds the financial market.These three systems are multiplied by each other to form a safe guard.In 2015,Deposit insurance Ordinance of China came into being,which is an important issue in the construction of China's financial system,and it's also the milestone in the transition from implicit to explicit.This paper discusses from the following parts: firstly,the development process of many years of deposit insurance was briefly summarized.It organizes some experts and scholars on the research results of the deposit insurance system,in order to confirm the purpose of this research.The second part is mainly about the theoretical basis of the deposit insurance system construction and the analysis of the current deposit rate pricing model.The third part is the key part of this article.It mainly introduces the construction system of deposit insurance system in our country.At present,with the continuous improvement of the market economy,the external financial market environment is already mature,establishing a deposit insurance system is well-timed,and the prosperity and development of the financial market requirements of the present stage of our country have to set up the deposit insurance system as soon as possible.Draw on the current advanced experience of national deposit insurance system,the risk of problems and avoid the establishment of depositinsurance system in the process of deposit pricing model analysis,test and verify the most suitable framework for our national deposit insurance.Through the formalization of deposit insurance system,it will provide a favorable market environment for the development of banks.In the establishment of the deposit insurance system,we should balance moral hazard and take into account the interests of all parties concerned.We should set up a deposit insurance management institution which is suitable for our basic national conditions and be able to effectively use the deposit insurance fund.Finally,it comes with a brief summary of the whole paper.