存款保险制度十周年：持续筑牢金融安全网

Core Viewpoint - The People's Bank of China emphasizes the importance of the deposit insurance system in stabilizing public confidence, preventing systemic risks, and promoting the development of the banking industry, marking its tenth anniversary in 2025 [1][2]. Group 1: Deposit Insurance System Overview - China is one of the few economies to fully implement the Basel III framework and has established a regulatory framework for systemically important financial institutions [1]. - The total loss-absorbing capacity of China's systemically important banks has met all standards, and a deposit insurance system has been established, providing full protection for over 99% of depositors [1]. Group 2: Significance and Impact - The deposit insurance system has played a crucial role in stabilizing public confidence and preventing systemic risks, especially during crises involving small and medium-sized banks [1]. - The system has encouraged banks to strengthen risk control and optimize the competitive environment within the industry [1]. Group 3: Future Development Directions - The People's Bank of China aims to enhance the legal foundation of the deposit insurance system, improve its risk prevention capabilities, and establish a robust risk disposal mechanism [2][3]. - There is a focus on promoting public awareness of the deposit insurance system, particularly among vulnerable groups and in areas with poor financial ecosystems [2]. Group 4: Risk Monitoring and Disposal Mechanisms - The central bank plans to strengthen financial risk monitoring and early warning systems to ensure timely identification and management of risks [3]. - A market-oriented, legal, and professional risk disposal mechanism is to be established, emphasizing cost minimization and orderly risk management [3]. Group 5: Recommendations for Improvement - Experts suggest the need for detailed regulations on the management and use of the deposit insurance fund, including clear principles and procedures for fund utilization [4]. - There is a call for legislative and innovative mechanisms to enhance the preventive and remedial functions of the deposit insurance system, alongside public education efforts to improve awareness [5].