Due to the particularity of deposit insurance funds, there are many forms of deposit insurance funds, such as voluntary or compulsory deposit insurance funds, private or public deposit insurance funds, unified or classified deposit insurance funds and so on.
Therefore, the premise of establishing a deposit insurance fund in a country is to establish an optimal model suitable for its national conditions. The establishment mode of deposit insurance fund is the question of who contributes to the establishment of deposit insurance fund.
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Deposit insurance fund model
One is the single function mode, that is, the deposit insurance fund only has the function of "payment box" and undertakes the compensation function when the financial institution of the insured bank goes bankrupt. Japan, Germany and other countries adopt this model. For example, in Japan, the business of deposit insurance companies is limited to the income and expenditure of premiums, and there is almost no financial supervision right and risk disposal right.
The other is the compound function mode, that is, the deposit insurance fund not only undertakes the function of "payment box", but also undertakes some functions of financial supervision and risk disposal. For example, providing financial assistance or liquidity assistance to problem banks; Promote the merger or takeover of problem banks; Establish a transitional bank and so on.