Research on the Deposit Insurance System

Author: He Guanghui
Publisher:
Publish Date: 2003-09-01
Features: Financial Doctorate Theses Series · Volume 5. This book starts from the emergence and development process of the deposit insurance system, exploring its theoretical foundations. Based on this, it conducts a dialectical comparative study of the two entirely different views on deposit insurance as two aspects of the same issue. Through performance analysis, rational reflection, and case studies of the deposit insurance system, it concludes that establishing a deposit insurance system is an inevitable institutional choice, but its feasibility depends on resolving issues such as adverse selection, moral hazard, and principal-agent relationships. Finally, it compares the implicit deposit guarantee and insurance system in China and analyzes the model and institutional safeguards for establishing a deposit insurance system in China.