基于市场约束视角的我国存款保险制度分析-analysis of chinas deposit insurance system from the perspective of market constraints.docxVIP

Research on Deposit Insurance System under the perspective of Market constraintsABSTRACTSince the Asian financial crisis happened in 1997 , especially ten years later, the large-scaled financial crisis had broken out in the United States again. More and more countries and regions began to take a new look at the banks’ systemic risk, so to create a explicit deposit insurance system is regarded as a magic weapon to prevent all the people run on a bank. For a long time , our country has been taking a method of governments recessive protection, however, this kind of invisible deposit insurance system not only caused the governments heavy financial burden, but also adverse to the banks’ fair competition and benign development. Building an explicit deposit insurance system is a key subject to our country’s academic circles. The Chinese government have gradually issued the relevant laws and regulations to put the academic theory into the actual operation. The relevant departments in our country are formulating the related policies , laws and regulations to protect the explicit deposit insurance system. But explicit deposit insurance system is a double-edged sword, which should be designed and operated reasonably to make it play in a proper role.With the market constrains,as one of the the New Basel Agreement in banking supervision of the “three big pillar”,it has gradually boarded in the stage of history,and it has a strong theoretical meaning and realistic meaning to study how will the market restraint the elements to join the establishment of the deposit insurance system in our country so as to effectively play the market constraints and deposit insurance the dual role of the new angle of view,the research on China’s deposit insurance system construction and how to operate the issues.In this assay,processed from the upcoming release of market restraint mechanism and explicit deposit insurance system in our country, based on the integrated utilization of information