Fears about long-term stagnation have come to the fore again during and since the global financial crisis. Secular stagnation can result from a sustained deficiency of demand, continuing low growth in productivity, or from a slowly growing/shrinking workforce. One of its consequences, over the medium term and longer, is that investment returns are very low, even negative. The financial panic rises more in the long-term stagnation. The uneasiness for the financial safety net can bring ‘bank run??anytime. bank run became the reality by the savings bank crisis of 2011-12s after the financial crisis 1997. Therefore, it is necessary to raise a bank deposit guarantee limit to prevent ??financial crisis??. The question is, what should be the limits of deposit guarantee for a depositor in considerations with other asian countries. In my views, the korean deposit insurance should be probably cover up to 3 times of the GDP per one for an individual depositor that the standard is asian national deposit guarantee average. Otherwise, this paper examines the korean deposit insurance system on the 「Korean Deposit Insurance Law」and seek to enhance for maintaining of the Korean Depository Insurance Company(KDIC). Specifically I'll point out the organizational and functional problems of the highest decision-making body of the Deposit Insurance Corporation, 「Deposit Protection Board」 and 「KDIC Board of Directors」, and will suggest improvements. Summary of the proposed improvements to the end.