The Research on the System of Deposit Insurance in the PRC

• Main Authors: Chiang, Jjui Chih, 蔣瑞芝
• Other Authors: 王文杰
• Format: Others
• Language: zh-TW
• Published: 2016
• Online Access: http://ndltd.ncl.edu.tw/handle/79918595389730190047

碩士 === 國立政治大學 === 法學院碩士在職專班 === 104 === In 2015, the "deposit insurance regulations" was published by The National People's Congress in mainland, which was considered an important part of the financial reform in the future. The Ordinance on the mainland commercial banks and the banks, including the Bank of Taiwan, including the impact of foreign banks, the value of the mainland's financial system? In recent years, frequent cross-strait economic exchanges. However, the Ordinance will be the mainland branch of the Bank of China branch of the deposit insurance coverage, how to deal with the mainland branch of Taiwan funded banks? These are not only the issues related to the mainland authorities to consider, but also the need for the assessment of the banking industry in Taiwan. However, due to the newly promulgated regulations, there is no study to explore these issues. In view of this, this study aims to explore the impact of the mainland's "deposit insurance regulations", analyze the deficiencies, and put forward suggestions for improvement. At the same time, combined with the reality of the development of the mainland branch of the Taiwan funded banks, the purpose of the maintenance of the interests of the mainland branch of the Taiwan funded banks, the analysis of the response of Taiwan funded banks in mainland china. This research is divided into 5 parts: the first part is the introduction, which briefly introduces the purpose, background, etc.. The second part is the literature review, which mainly discusses the research on the deposit insurance system. The third part reviews the history and process of the deposit insurance regulations. The fourth part is based on the mainland "deposit insurance regulations", the mainland deposit insurance system is analyzed. Finally, in the fifth part, it discusses the influence of the regulations on the banks of the mainland of Taiwan, and puts forward some suggestions. After research, pointed out that the Ordinance does not eliminate the impact of government implicit guarantee in the short term, it will not fundamentally change the mainland's existing banking regulatory system, the difference between the rate is difficult to truly achieve, the interest rate market is also a long time to achieve. In addition, the regular meeting in a certain extent, the promulgation of bank insolvency law, but little impact on large customers. However, the Ordinance does not provide a fair competitive environment for foreign banks. Taiwan funded banks in order to protect their own interests, as soon as possible into the scope of insurance coverage. At the same time, the Taiwan funded banks can take into account the mainland financial institutions and other alternative measures to safeguard the interests of the bank.