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A Realistic Choice of Establishment of Financial "Security Network" in China: Deposit Insurance System

Author: WangXianFu
Tutor: YeDeLei
School: East China Normal University
Course: Political Economics
Keywords: Deposit Insurance System (DIS) Financial Environment System Cost Incentive Compatibility
CLC: F832.1
Type: Master's thesis
Year: 2005
Downloads: 292
Quote: 0
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Abstract


With the quickening of the financial reform paces of our country, The domestic financial risks position accumulated in the past appeared day by day. At the same time the financial security receives the threat conducted by international financial risks under the internationalized background of the finance too. So establishment of financial "security network" that can resist financial risks’ menace becomes the realistic problem that our country faces.It is generally acknowledged, modern financial "security network "is composed of three basic key elements including prudential supervision and regulation of financial supervision authorities, the role of central bank’s lender of last resort and the deposit insurance system. Deposit insurance system is considered to be the last line of defense of the modern financial "security network "for it can play an enormous role in improving publican confidence, taking precautions against the financial crisis and safeguarding the financial stability and so on. Though the financial supervision department of China pays attention to prudent supervision more and more at present (which is mainly embodied in strengthening to control capital sufficient rate of bank) , Our country has relied on excessively the role of central bank’s lender of last resort resolving risk of the financial institution. Deposit insurance system , the key part of financial "security network ", is still in vacant state. After China joined WTO, the financial field will be opened progressively and the financial competition will be aggravated day by day in the further. It is difficult to guarantee the financial institution to exit market in orderly and timely with low cost and to avoid doing harm to interests of depositor and to guarantee financial system stability to Promote development of financial sector in a healthy way if there is not omni-directional and three-dimensional financial "security network "which including deposit insurance system.The dissertation includes four sections.Section one will cover definition of deposit insurance system and it’s development mainly; Main content of deposit insurance system design; Implementing effect of deposit insurance system; foreign and domestic documents about deposit insurance system and relating appraise then putting forward the question of the article.In section two, we will mainly talk about theoretical foundation of deposit insurance system including bank liquidity, run on a bank, financial system risk and relation among them; external means to control run on a bank and its comparison andinterrelations between deposit insurance system of and financial environment.Section there will tell us system cost which results from inappropriate design of deposit insurance system. The system cost always includes Principal-Agent Problem, adverse selection and moral hazard.In section four, we will touch upon thought of establishment of deposit insurance system in China. Firstly, through analyses of shortcoming of implicit deposit insurance system and new changes of financial environment which gonging with deepening finance reform, construction of explicit deposit insurance system is necessary and possible. At the same time, to insure deposit insurance system runs effectively, it is necessary to construct incentive compatibility deposit insurance system which is based on thought of system cost and to fully consider other precondition which should be improved. In the end, the article brings forward skeleton of deposit insurance system in China.

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