Researching Deposit Insurance Systemconstruction Problems And Countermeasures Of China

Deposit insurance system as a way to secure the interests of depositors,remedial system for financial institutions to establish credibility,maintain financial market stability,protect the interests of depositors basic provides an important support system.From the international perspective,majority countries have generally introduce and use deposit insurance system,China is not exception.In 2014,China issued the deposit insurance regulations,which indicates the system was established in the domestic market.Although the deposit insurance regulations for standard and adjust the deposit insurance in China have a certain role,but some problems still exist in the deposit insurance practice.The existence of these problems for deposit insurance system has a certain negative impact.Therefore,the research and explore the problem,put forward the perfect suggestions,for promoting China’s deposit insurance system progressively toward WanShanHua and scientization has a certain practical significance.According to Chinese current situation of establishment and operation of deposit insurance system,this article take the literature research,comparative analysis,the method of combining theory and practice,on the information asymmetry theory,theory of bank runs,investors interests protection theory as the theoretical basis,from the concept of deposit insurance system,the overview of the type of the deposit insurance system,deposit insurance system in our country on the basis of the characteristics,establish,content,existing problems and its reasons for insurance system has carried on the detailed elaboration.Finally,the author draw lessons from the United States,Germany,Japan,which three countries have obtained the experience and achievement within development of deposit insurance system,to improve the information disclosure system,enhance the bank’s risk control capacity,reduce the cost of operation,perfect the system of laws and regulations,strengthen the construction of financial supervision system,set up the bank withdrawal mechanism,creat an environment of external support,and such factors to perfect feasible strategy of the deposit insurance system related issues.