Judging from the countries that currently implement this system, there are three forms of organization:

1, established by governments, such as the United States, Britain and Canada.

2. Established by the government and banking departments, such as Japan, Belgium and the Netherlands.

3. It was jointly established by banks with the support of the government, such as Germany.

At present, the system has not been established in China, but the financial crisis is plaguing commercial banks in China, the interests of depositors are being threatened, and the credibility of banks is being challenged as never before. Therefore, while improving the supervision level of the central bank, it is very important to establish a deposit insurance system in China, especially for deposits absorbed by small and medium-sized financial institutions, to protect the interests of depositors of families and small and medium-sized enterprises, to stabilize the financial system and to enhance depositors' confidence in banks.

The basic characteristics of deposit insurance system are 1, paid relationship and the relationship between mutual deposit insurance subjects. On the one hand, it is payment, that is, the insurer can only get financial assistance after the insured bank pays the insurance premium according to the regulations, or the depositor can only get compensation when it goes bankrupt; On the other hand, it is mutual assistance. In other words, deposit insurance is realized through the mutual assistance of a number of insured banks. If only a few banks are insured, the insurance fund is small in scale and it is difficult to bear the liability for compensation to depositors when banks go bankrupt.

2. Limited deposit insurance only compensates for bank deposits that close down during the insurance period, and bank deposits that have not participated in deposit insurance or terminated insurance relations are generally not protected.

3. Therefore, profit and loss deposit insurance is an economic guarantee provided by insurance institutions to depositors. Once the insured bank goes bankrupt, depositors have to claim compensation from the insurer, and the result may be quite different from the insurance premium charged to the insured bank. Therefore, the deposit insurance company must accurately calculate the reasonable guarantee rate through scientific actuarial rules, so that the deposit insurance company can bear the liability for deposit compensation.

4. Institutional monopoly. Whether it is official, private or joint deposit insurance, it is different from the service of commercial guarantee enterprises. The purpose of its operation is not to make a profit, but to establish a guarantee mechanism through deposit guarantee and improve depositors' confidence in the banking industry. Therefore, deposit insurance institutions are generally monopolistic.