Comparison Between the American and German Deposit Insurance Systems and the Apocalypse to China

Good deposit insurance system plays an important role in safeguarding financial stability,preventing financial crisis and protecting the interests of depositors.The American federal deposit insurance system and the German non-official voluntary deposit insurance system are two basic models of the deposit insurance system in the world.The german deposit insurance system is embodied in the voluntary fringe pattern characteristic with mandatory,while the American mandatory deposit insurance system has the typical characteristics of mandatory.In this paper,comparative studies are made of the main aspects of the American and German deposit insurance systems,including deposit insurance system,model of the deposit insurance agencies,insurance forms and insurance agencies,insurance coverage and source of the deposit insurance fund,the payment of deposit insurance and premium rate management,and on this basis with the reality of our country,a preliminary idea for China's deposit insurance system is given.