A Study on the Protective Coverage of Deposit Insurance System in China
Since the outbreak of the financial crisis,deposit insurance system around the world has functioned in protecting the depositors interests and stabilizing the financial system.As the protective coverage of deposit insurance plays an important part in its design,the function of deposit insurance system is directly influenced by whether the protective coverage is properly designed.This paper,connecting the international experience and Chinas national conditions,makes specific analysis on the four forms of compensation which are identifying the compensation scope based on deposit size,identifying the compensation scope based on maturity of deposits,co-insurance and market-oriented deposit insurance.And it suggests that we should take the way combining the deposit insurance with coverage limit and co-insurance.Finally,the analysis is given on the closed optimal protective ratio of the deposit insurance in China through a model set up in the paper to provide some suggestions on the design of the coverage limit.The coverage limit will be adjusted with the economic development of China.
Deposit Insurance Protective Coverage Financial Stability Moral Hazard
Changjun Zheng Yanshan Zhou
School of Management,Huazhong University of Science and Technology,Wuhan,Hubei,P.R.China,430074
国际会议
PAN-PACIFIC CONFERENCE XXVI(“战略创新、协作融合泛太平洋管理学会第26届年会)
深圳
英文
428-433
2009-06-01（万方平台首次上网日期，不代表论文的发表时间）