Several Issues on Improving the Operation Mechanism of Deposit Insurance Fund; The deposit insurance system is an important part of the "safety net" of banks, and the core of the effective operation of the deposit insurance system is the effective operation of the deposit insurance fund. In this paper, several major issues, such as the selection of the establishment mode of China's deposit insurance fund, the determination of the scale level of deposit insurance fund, the basis for determining the deposit insurance rate, the selection of premium collection methods and the management and operation of deposit insurance fund, are studied in detail. [Keywords:] deposit insurance; Fund; Operation; Management In the deposit relationship, the deposit-accepting bank assumes the intermediary role of transforming the remaining funds into actual production investment. This determines that the stability of the banking industry is very important for a country's long-term economic growth, capital accumulation and productivity improvement. As an important part of the "safety net" of banks, deposit insurance system has been widely adopted by many countries in maintaining the normal operation of payment system, protecting the interests of small depositors, promoting the construction of financial legal system and promoting financial and social stability. ...

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