This topic studies the deposit insurance system. When a deposit-taking financial institution is taken over, cancelled or bankrupt, the depositor has the right to ask the deposit insurance fund management institution to use the deposit insurance fund to repay the insured deposit of the depositor within the prescribed limit. The details include: (1) The deposit insurance fund management institution acts as the takeover institution of the insurance institution; (2) The deposit insurance fund management institution shall liquidate the cancelled insurance institution; (3) The people's court decides to accept the bankruptcy application of the insurance institution; (4) Other circumstances approved by the State Council.