如何让存款更安全、银行更稳健？这场座谈会集思广益

Core Viewpoint - The discussion at the expert seminar organized by the People's Bank of China focused on enhancing the deposit insurance system to ensure the safety of deposits and the stability of banks, reflecting on nearly ten years of experience since the implementation of the Deposit Insurance Regulations in 2015 [1][2]. Group 1: Deposit Insurance System Overview - The deposit insurance system has provided a safety net for depositors, with a maximum compensation limit of 500,000 yuan, ensuring full protection for over 99% of depositors [2]. - The system has actively performed core functions such as risk monitoring, prevention of bank runs, differentiated premium rates, early correction, and risk disposal, thereby strengthening public confidence in the banking system [2][3]. Group 2: Impact on Financial Stability - The deposit insurance system has played a crucial role in maintaining the stability and fairness of the Chinese financial industry, benefiting both small and large banks equally [4]. - Since the implementation of the deposit insurance system, the deposit structure among large, medium, and small banks has remained stable, with an increasing share of deposits in small banks [4]. Group 3: Early Correction and Risk Management - The deposit insurance fund management has been effective in stabilizing public confidence, with the People's Bank of China managing the fund and enhancing its risk monitoring and early correction capabilities [3][5]. - As of the end of 2024, there are 3,761 insured institutions under the deposit insurance scheme, with risk warnings and early correction measures applied to 1,600 institutions [5]. Group 4: Future Enhancements - Experts suggested expanding the funding sources for the deposit insurance fund and improving the efficiency of fund utilization while ensuring safety [7]. - There is a call for enhancing the legal framework surrounding the deposit insurance system, including revisions to relevant laws to strengthen its foundation [7]. - The importance of technology and international cooperation in enhancing the effectiveness of the deposit insurance system was emphasized [7].