存款保险十年守稳金融防线，专家建言推动立法、完善后备融资

Core Viewpoint - The article emphasizes the importance of enhancing the deposit insurance system in China, particularly through the establishment of a backup financing mechanism in the new deposit insurance law, to better protect depositors and manage financial risks effectively [1][7]. Group 1: Achievements of the Deposit Insurance System - The deposit insurance system has been operational for ten years, significantly enhancing public confidence in the banking system and improving depositor protection levels [1][4]. - Over 99% of depositors are provided with full protection, which is notably higher than the international average [1][6]. - The system has played a crucial role in risk monitoring, early correction, and orderly exit of high-risk banks, thereby strengthening the stability of China's financial system [1][4]. Group 2: Recommendations for Improvement - Experts suggest that the deposit insurance law should be elevated to a higher legal status to provide a more robust framework for the operation of the deposit insurance system [7][8]. - There is a call to enhance the functions of deposit insurance, including the development of early correction and risk disposal measures, and to enrich the deposit insurance fund [2][7]. - The establishment of a backup financing mechanism is recommended to ensure the deposit insurance fund can respond effectively to external financial shocks [7][8]. Group 3: Case Study of Baoshang Bank - The risk disposal of Baoshang Bank is highlighted as a landmark case, demonstrating the effectiveness of the deposit insurance system in protecting depositors' interests during the bank's bankruptcy proceedings [3][4]. - The case marked a significant breakthrough in the market exit of commercial banks, showcasing a successful model for risk management and resolution [4][6]. Group 4: Future Directions - The People's Bank of China emphasizes the need to leverage technology to enhance the effectiveness of the deposit insurance system and to engage in international cooperation for better financial governance [2][6]. - Experts advocate for continuous learning from risk disposal experiences to improve the financial system's resilience and to refine the backup funding sources for the deposit insurance fund [8].