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Deposit Insurance and China’s Choices

Author: ZhengZuoJie
Tutor: ChenShanAng
School: Xiamen University
Course: Finance
Keywords: Deposit Insurance System Moral hazard Banking Supervision
CLC: F832.1
Type: Master's thesis
Year: 2005
Downloads: 429
Quote: 0
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Abstract


With the financial system reform , the establishment of China's national conditions suitable deposit insurance system has become a dominant community focus. From a practical point of view, on the one hand , China's long-standing practice of implicit deposit insurance system , the State provides full protection for deposits , is no longer suited to China 's national conditions ; On the other hand , the establishment of explicit deposit insurance system has become in recent decade the World Bank reform and development of important trends. However, in theoretical circles , different scholars on China whether it is necessary shift from implicit to explicit deposit insurance deposit insurance system there is widespread controversy. The main task of this paper is to explore the establishment of the necessity of explicit deposit insurance system , and how to establish explicit deposit insurance system to make some suggestions . This article from the banking and financial sector reform our reality and dominant deposit insurance for banks operating behavior of two aspects of analysis to establish the necessity of explicit deposit insurance system . From our point of view the reality of financial reform , the paper concludes that with the deepening of reform of the banking market , sooner or later will become liquidated banks have to face all kinds of hard budget constraints , we must establish a well-functioning banking deposit insurance agencies to ensure competition mechanism and the effective operation of the bankruptcy system . Meanwhile , the establishment of explicit deposit insurance system is also China's banking industry and the need for international standards , but also the needs of the development of our society and so on . Explicit deposit insurance system from the operating behavior of the banking point of view , this paper established a bank in the market competition and cost constraints to maximize their shareholders' equity model to analyze the implicit deposit insurance system into explicit deposit insurance system China's banking business behavior. The paper concludes that, from the implicit explicit deposit insurance system into the deposit insurance system , the bank 's own regulatory levels rise, decline of moral hazard , therefore , necessary to establish explicit deposit insurance system in order to reduce moral hazard in the banking sector . This article also draws on international experience in the deposit insurance system , for the construction of explicit deposit insurance system provides some ideas and suggestions , and analyzes the construction of explicit deposit insurance system should pay attention to some problems.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Finance, banking system
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