从2019年处置包商银行看当前我国存款保险制度亟待完善的关键领域

Abstract:After the establishment of deposit insurance fund management company，Baoshang bank limited is the first problem bank to deal with by means of acquisition. By increasing the underwriting limit and expanding the scope of underwriting，the legitimate rights and interests of all kinds of creditors are protected to the maximum extent，and the market-oriented disposal platform of deposit insurance problem banks is effectively brought into play. The practice shows that some key areas of deposit insurance system need to be improved. There are some obstacles in the early correction duty given by China’s deposit insurance regulations（the regulations for short thereinafter），such as insufficient supporting authorization and general starting standard；the responsibility of risk disposal is not clear，the disposal tools are not rich enough；the financing channel of deposit insurance fund is single，the consumption in the early stage is large，and the subsequent disposal ability is limited. Basd on the experience of relevant countries in improving the deposit insurance system since the financial crisis，the report puts forward specific suggestions on strengthening the function of early identification and timely correction，clarifying the market-oriented risk disposal platform status of problem banks，and broadening the sources of disposal funds.

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