Study On The Implementation Of Deposit Insurance System In China

On March 31 st,2015,the State Council promulgated the "deposit insurance Ordinance",which was officially implemented in May 1st,marking the transition from implicit deposit insurance system to explicit deposit insurance system in China.The deposit insurance system in China has really begun to implement.This article embarks from the theory,combined with the related research of the deposit insurance system,regulations and Policy Research on the implementation of real-time status,in-depth analysis of the implementation and implementation.Then comprehensively from the system demand deposits,bank,financial supervision and the implementation effect of three party analysis of deposit insurance system.Using the data of 2015 before and after the implementation of the system confirm its effect and possible future challenges.For the implementation of deposit insurance system in China,this article from the United States,Germany,India,three countries in the implementation of the deposit insurance system and effect from experience,we should finish the two aspects from the system itself and external facilities Combining with the reality of our country,both the institutional providers and the demanders need to work for it.The main innovations and conclusions of this paper are as follows:First,vertically and horizontally,vertically,from the pre implementation reason,the implementation way,the implementation effect,the future challenge and the future implementation suggestion,the experience of the implementation of the horizontal foreign deposit insurance system shows a dynamic process of the implementation of the article research point.Secondly,through data analysis and simple theoretical model analysis,generally speaking,its implementation adapts to the financial environment of our country,and holds that deposit insurance system is the basic financial facility of modern financial industry.It has not only protected the interests of small and medium-sized depositors,retained deposits for banks,and improved the financial supervision and security system.It is worth noting that at present it has not brought too much cost burden and profit impact to banks,the expectation of "Deposit moving" caused by breaking the quota.It has become one of the supporting financial systems for the future development of our financial economy.Thirdly,from the current situation and effect of the implementation in China,the challenges in the future implementation of the deposit insurance system are: moral hazard,adverse selection,implementation methods to be improved,supporting facilities to be completed;Combined with the implementation of foreign deposit insurance system,we should perfect the implementation of deposit insurance system,take the essence of virtue and give up the deficiency of India,draw lessons from the perfect differential rate system of virtue,and implement the perfection of institutional functions.Flexible safeguard scope and insured limit,scientific coordination mechanism.Finally,combining with the analysis of the article,in order to further implement the deposit insurance system,we go back to the institutional providers and demanders of the article.The two parties cooperate with each other to make better use of the deposit insurance system in the future.The government is the main part of perfecting the system and supporting facilities,standing on the reality and improving the efficiency.The depositors strengthen the concept of deposit insurance;banks take the opportunity to improve the way of operation,cooperate with the implementation of the system;at the same time,coordinate the financial supervision system,establish information sharing mechanism,and clarify the division of functions.