2009•Jingji wentiRequires access
On the Design of the Deposit Insurance System
Yan Hui-xin
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Abstract
Deposit insurance system has maintained the stability of financial system,also reduced the depositor's concern of risk for banks and led to moral hazard and adverse selection.The paper analyzes the three main objectives of the deposit insurance system,how to design a deposit insurance system in order to obtain a balance and uses the characteristics of the deposit insurance system of the other countries for reference.On basis of this,recommendations are put forward to design deposit insurance system in China.