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Deposit Insurance and Banking Supervision in China: The Agenda Ahead

Author

Listed:
  • Haibo Yan

    (People's Bank of China, 32 Chengfang Street, West District, Beijing, P.R. China)

  • Ying Huang

    (Department of Economics and Finance, Northern Kentucky University, Nunn Drive, Highland Heights, KY 41099, U.S.A.)

Abstract

This paper proposes that the establishment of supervisory function in China's deposit insurance is an urgent task of the country's financial regulators and it becomes an indispensable component in a sound financial supervisory system. An important supplement to the banking regulatory system and aiming to protect depositors against financial losses caused by bankruptcy of financial institutions through a risk compensation mechanism, the implementation of supervisory function in deposit insurance helps to fulfill supervisory goals in the banking industry. Meanwhile, we argue that the supervisory responsibilities of the prospective deposit insurance agency in China are to some extent different from those of the existing banking regulatory institution, and therefore will not cause overlap in regulation or overuse of regulatory resources. The Geneva Papers (2008) 33, 547–565. doi:10.1057/gpp.2008.12

Suggested Citation

  • Haibo Yan & Ying Huang, 2008. "Deposit Insurance and Banking Supervision in China: The Agenda Ahead," The Geneva Papers on Risk and Insurance - Issues and Practice, Palgrave Macmillan;The Geneva Association, vol. 33(3), pages 547-565, July.
    • Handle: RePEc:pal:gpprii:v:33:y:2008:i:3:p:547-565
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    Cited by:

    1. Cousin, Violaine, 2011. "中监为体、西监为用 or the specifics of Chinese bank regulation," MPRA Paper 36040, University Library of Munich, Germany.
    2. Nobuyoshi Yamori & Jianjun Sun, 2019. "How Did the Introduction of Deposit Insurance Affect Chinese Banks? An Investigation of Its Wealth Effects," Emerging Markets Finance and Trade, Taylor & Francis Journals, vol. 55(9), pages 2022-2038, July.

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