1. core principle: security: ensure that the deposit insurance system can provide effective protection and protect depositors' principal from loss. Fairness: ensure that the deposit insurance system applies to all depositors fairly and does not favor specific groups. Feasibility: Through reasonable design and management, ensure that the deposit insurance system is feasible in practice and achieve its goal.

2. Element: deposit insurance fund: establish a fund independently funded by the banking industry to pay the deposit losses caused by bank failures. Deposit insurance limit: set a certain deposit insurance limit, that is, the maximum insurance amount enjoyed by each depositor in a bank. Risk assessment and monitoring: the central bank or regulatory agency needs to assess and monitor the risks of the banking system, find problems in time and take measures to prevent risks. Banking supervision: Strengthen the supervision of the banking industry to ensure that banks have sufficient capital and effective risk management, thus reducing the possibility of bank bankruptcy. Disclosure of deposit information: banks are required to disclose relevant information of deposit insurance system to depositors, including insurance limits and payment procedures, so as to enhance transparency.