Legal analysis: the subject relationship of deposit insurance is the legal relationship that insurance institutions pay premiums to deposit insurance fund management institutions to form deposit insurance funds, and deposit insurance fund management institutions pay insured deposits to depositors in accordance with the provisions of these regulations and take necessary measures to maintain the safety of deposits and deposit insurance funds.

Legal basis: deposit insurance regulations

Article 3 The term "deposit insurance" as mentioned in these Regulations refers to a system in which insurance institutions pay premiums to deposit insurance fund management institutions to form deposit insurance funds, and deposit insurance fund management institutions pay insured deposits to depositors in accordance with the provisions of these Regulations and take necessary measures to maintain the safety of deposits and deposit insurance funds.

Article 8 Deposit banking financial institutions that started business before the implementation of these Regulations shall go through the insurance formalities within the time limit prescribed by the deposit insurance fund management institution.

Banking financial institutions that take deposits and start business after the implementation of these Regulations shall, within 6 months from the date when the business license is issued by the administrative department for industry and commerce, go through the insurance formalities in accordance with the provisions of the deposit insurance fund management institution.