央行副行长宣昌能表示 不断夯实存款保险基础保障功能

Core Viewpoint - The People's Bank of China emphasizes the importance of the deposit insurance system in protecting depositors' rights, mitigating financial risks, and maintaining financial stability over the past decade, while outlining future improvements for high-quality development of the system [1][2]. Group 1: Legal Framework and Foundation - The need to enhance the legal framework for deposit insurance is highlighted, with plans to advance legislation that reinforces the core functions of deposit insurance and establishes it as one of the three pillars of the financial safety net [1]. - The focus on strengthening the foundational guarantee functions of deposit insurance includes increasing public awareness and understanding of the system, particularly among vulnerable groups and in areas with poor financial ecosystems [1]. Group 2: Risk Monitoring and Management - There is a commitment to improving financial risk monitoring and early warning systems, ensuring mechanisms for early identification, warning, exposure, and resolution of risks are in place [2]. - The establishment of a market-oriented, legal, professional, and normalized risk disposal mechanism is proposed, which includes a clear responsibility system and cost-sharing mechanisms to minimize costs during risk resolution [2].