1. Designing an Optimal Deposit Insurance System Theory and Practice
KATSUNORI MIKUNIYA
The Governor of the Deposit Insurance Corporation of Japan

2. Movement of the Stock Index
(Yen)

3. ○ THE DILIGENT IMPLEMENTATION ○ FOR THE FUTURE
　　Three Viewpoints
○ HISTORY
○ THE DILIGENT IMPLEMENTATION
○ FOR THE FUTURE

4. 　　HISTORY
A correlation between the level of safety net systems and the depth of crises
Providing people with accurate information and a safety net for a sense of security
The financial safety net system reflects a history of the finance and the real economy of the country.

5. THE DILIGENT IMPLEMENTATION
Three challenges
preparedness, downward spiral, information
Three steps to dispose of NPLs
strict assessment, removal of them,
capital injection
The importance of trust
Encouraging proper risk control to banks
and sensible supervision to supervisors

6. 　　FOR THE FUTURE
Normality and crisis coexist over the long time perspective.
“Predicting what will happen is easier than predicting when and how events will unfold.”
　―The Global Risk Report 2008, World Economic Forum―
Learn from history, develop theories and practices, and pass on our experiences to the future generation.

7. Trends in the ratio of Non-Performing Loans
(%)
(Source: FSAJ)

8. Number of financial institutions
(Source: DICJ)