澳门存款保险制度研究-行政管理专业论文.docxVIP

II Abstract Deposit insurance system originated in the 20th century, 30 years the United States, the economic crisis brought an overwhelming impact of U.S. commercial banks, public confidence in banks plummeted, In view of this situation in 1933, the U.S. Congress passed the Banking Law, the official declaration of the Federal Deposit Insurance Corporation (FIDC) was established. Deposit insurance system is established, the maintenance of order in the United States played a significant financial role, the bank significantly reduce the bankruptcy deposit insurance system in the United States under the influence of the successful experience of the 20th century, 60-70 years, many developed countries follow the example of numerous United States. According to IMF data show that, At the end of 2010,119 countries have established deposit insurance system. In this paper, the implicit deposit insurance system in Macao problems and constraints, and to advanced countries and regions to give this a successful experience for reference, the proposed implementation of explicit deposit insurance system Macao patterns and regulations, and improve the functions of the Macao Monetary Authority, the handling of financial accidents, the establishment of explicit deposit insurance organizations improve the deposit insurance system develop regulations to strengthen the deposit insurance Macao code of ethics and strengthen the deposit insurance institutions to manage the protection of depositors. This article is divided into six parts, the first is the introduction, is to study the background, ideas and content, the second part of the deposit insurance system. The third part discusses the existence of the Macao implicit deposit insurance status and arise out of the moral hazard. Part Fourth overview the countries of explicit deposit insurance background and status, and success of Macau in China. The fifth part is the author of Macau proposed explicit deposit insurance system, the last pa