Core Viewpoint - The article highlights a promotional event organized by China Minsheng Bank to enhance public understanding of the deposit insurance system, particularly among employees of a large machinery manufacturing company, aiming to ensure financial consumer rights and boost confidence in the banking system [1][2]. Group 1: Event Overview - The promotional activity was themed "Deposit Insurance, Protecting Your 'Wallet'" and took place at a large machinery manufacturing enterprise [1]. - The event aimed to break down barriers in financial knowledge dissemination and directly address the concerns of employees regarding the safety of their bank deposits [1][2]. - Various methods were employed during the event, including setting up consultation booths, hanging promotional banners, and distributing brochures to create an engaging atmosphere [1]. Group 2: Key Information Shared - Bank representatives explained the definition of the deposit insurance system, its core coverage, and the maximum compensation limit of RMB 500,000, clarifying the conditions under which compensation can be claimed [1][2]. - The explanation emphasized that deposit insurance is a statutory financial protection system, distinct from commercial insurance, and does not require depositors to pay any premiums [1]. Group 3: Employee Reactions and Impact - Employees expressed appreciation for the timely and practical information provided, which alleviated their concerns about deposit safety and enhanced their financial literacy [2]. - The financial manager of the enterprise noted that the bank's initiative not only reassured employees but also contributed significantly to the overall financial literacy of the company [2]. - The bank plans to continue innovating its promotional methods and expanding outreach to foster a stable financial environment [2].

Group 1 - The core idea of the news is to enhance public awareness of the deposit insurance system to protect depositors' rights and maintain financial stability [1] - Minsheng Bank's Jining Yanzhou branch organized a promotional event themed "Deposit Insurance, Protecting Your Wealth Security" to educate the public about deposit insurance [1] - The event included setting up consultation booths, hanging banners, and distributing brochures to inform residents about the scope and limits of deposit insurance [1] Group 2 - The bank staff explained deposit insurance in simple terms, detailing its importance in safeguarding depositors' rights and maintaining financial stability [1] - Residents expressed appreciation for the timely and necessary nature of the promotional activities, which helped them understand practical financial knowledge and enhance risk awareness [1] - The branch also utilized online platforms to expand the reach of their promotional efforts, sharing articles, cartoons, and videos about deposit insurance through social media [1][2] Group 3 - Minsheng Bank's Jining Yanzhou branch is committed to customer-centric service and continuous education on deposit insurance to protect financial consumers' rights [2] - The branch plans to continue diverse and rich financial knowledge promotion activities to contribute to a harmonious and stable financial environment [2]

Group 1 - The perception that banks are unlikely to go bankrupt is misleading, as several banks have declared bankruptcy in recent years, including Taizihhe Village Bank and Liaoning Commercial Bank, with expectations of more small and medium-sized banks facing similar fates in the future [1][4] - Three main reasons for the bankruptcy of small and medium-sized banks include weak market competitiveness and risk resistance, off-balance-sheet operations leading to uncollectible loans, and misuse of depositor funds by major shareholders [4][6] Group 2 - Depositors are advised to understand the deposit insurance system, which guarantees full compensation for deposits and interest up to 500,000 yuan in the event of a bank's bankruptcy [8][9] - It is recommended that depositors diversify their funds across multiple banks, ensuring that deposits and interest at each bank do not exceed 500,000 yuan to minimize risk [9][10] Group 3 - Understanding the risk profiles of different banks is crucial, with state-owned banks generally offering the highest safety but lower interest rates, while small and medium-sized banks provide higher rates but with increased risk [12][14] - High-interest deposit promotions by small and medium-sized banks can indicate higher risk, as these banks may invest deposits in high-yield projects that carry significant risk [14][16] Group 4 - Depositors should verify whether a bank participates in the deposit insurance scheme, as only insured deposits are protected up to 500,000 yuan in case of bankruptcy [16]

Core Viewpoint - The increasing trend of Chinese residents' bank deposits is driven by the need for financial security against unexpected events and future expenses, despite the risks associated with other investment options [1] Group 1: Deposit Trends - In the first half of 2025, Chinese residents' bank deposits surged by 10.77 trillion yuan, reaching a historical high [1] - The primary motivations for saving include preparing for unemployment, health issues, children's education, retirement, and housing down payments [1] Group 2: Banking Sector Adjustments - The banking sector is experiencing significant changes, including an increase in the number of small and medium-sized banks declaring bankruptcy, with recent cases including Liao Yang Rural Commercial Bank and Taizihe Village Bank [3] - The deposit insurance system is undergoing adjustments, maintaining full protection for deposits up to 500,000 yuan, while amounts exceeding this limit may face proportional compensation risks [3] Group 3: Interest Rate Decline - Bank deposit interest rates have been on a rapid decline, with three-year deposit rates dropping from 3.05% to 1.55%, a decrease of over 40% [5] - The central bank's strategy to lower deposit rates aims to encourage consumers to invest and spend, thereby stimulating economic recovery [5] Group 4: Recommendations for Depositors - Depositors are advised to recognize deposit insurance symbols to ensure protection for amounts up to 500,000 yuan [7] - Utilizing large-denomination certificates of deposit (CDs) is recommended for those with deposits exceeding 500,000 yuan, as they offer higher interest rates and transferability [9] - Caution is advised against high-interest traps from small and medium-sized banks, which may offer rates significantly above the market average, as these could indicate higher risk investments [11]

Group 1 - The core viewpoint of the articles emphasizes the importance of enhancing public awareness and understanding of the deposit insurance system to protect financial consumers' rights and maintain regional financial security [1][3] - Minsheng Bank's Jinan East City Branch has organized a series of diverse promotional activities to disseminate knowledge about deposit insurance, effectively integrating this education into daily banking services [1][3] - The branch has actively engaged with local enterprises by conducting specialized promotional events, thereby expanding the outreach of financial policy benefits to a broader audience [2][3] Group 2 - The promotional activities reflect Minsheng Bank's commitment to social responsibility and its mission to serve the public, enhancing public confidence in the banking system [3] - The bank plans to establish a long-term mechanism for deposit insurance promotion, exploring innovative methods to further broaden its outreach and ensure financial security for the community [3]

Core Viewpoint - The collaboration between the People's Bank of China Xilin Gol League Branch and the Border Management Detachment aims to enhance financial literacy among herders in remote areas through innovative outreach methods, specifically using horseback patrols to deliver deposit insurance knowledge [1][2][3] Group 1: Outreach Strategy - The initiative involves a "Deposit Insurance Promotion Cavalry" that travels across the vast grasslands to educate herders about deposit insurance, addressing the challenge of reaching remote communities [1] - The program utilizes the credibility and authority of the border police to effectively disseminate financial knowledge, having trained over 50 volunteers for deposit insurance promotion [2] - The outreach has resulted in over 100 home visits for education, significantly increasing awareness of deposit insurance among border herders [2] Group 2: Educational Impact - The campaign has established a "three-in-one" long-term promotional mechanism centered around the "Deposit Insurance Promotion Education Base," engaging 27 border police stations and 619 border protection stations [3] - Financial classrooms have been set up at border points, where police and border staff serve as financial policy educators, utilizing bilingual instruction and interactive methods to reach a broader audience [3] - The "Promotion Cavalry" has conducted over 100 promotional events, distributing more than 8,000 materials and reaching over 10,000 individuals, effectively integrating financial education into the daily lives of herders [3]

Core Viewpoint - The article emphasizes the importance of the deposit insurance system as a crucial component of financial security in China, highlighting its role in maintaining financial stability and protecting depositors' interests, particularly in the context of its ten-year implementation since 2015 [1][4]. Summary by Sections Deposit Insurance Pricing Mechanism - The book systematically studies the deposit insurance pricing issue from three dimensions: regulatory penalties, interval pricing, and macroeconomic policy considerations. It introduces a tolerance coefficient into Merton's classic model, showing that increased regulatory penalties lead to lower risk preferences among banks and subsequently lower deposit insurance rates [1][2]. - The research also incorporates fuzzy mathematics into the deposit insurance pricing model, demonstrating the theoretical significance and practical necessity of interval pricing, ultimately deriving deposit insurance prices based on triangular intuition fuzzy numbers [1][2]. - The impact of tax reduction policies on the real economy and financial sector is analyzed, revealing that a decrease in income tax rates leads to lower deposit insurance premiums, with empirical evidence indicating that higher bank income tax rates increase risk-taking and thus raise deposit insurance rates [1][2]. Risk Effects of Deposit Insurance System - The study investigates the impact of the deposit insurance system on banks' risk-taking behavior through four dimensions: the influence mechanism, differentiated rates, early corrective actions, and prudent regulatory policies. It finds that the implementation of the deposit insurance system effectively reduces risk-taking levels among small and medium-sized banks [2][3]. - The research expands on classic theoretical models, proving that differentiated deposit insurance rates have a suppressive effect on banks' risk-taking, particularly in the context of rural commercial banks' reforms [2][3]. - The book constructs indicators to characterize the early corrective actions of the deposit insurance system, confirming its effectiveness in early risk correction through unique data on real deposit insurance rates for small and medium-sized banks [2][3]. Policy Recommendations for Improvement - The author proposes four policy recommendations to enhance China's deposit insurance system: accelerating the legislation of the Deposit Insurance Law to improve its role and independence; strengthening regulatory collaboration to enhance efficiency; establishing a financial firewall between small and large banks to reinforce oversight; and utilizing big data to improve risk management and public supervision mechanisms [3][4]. Overall Assessment - The book presents a comprehensive study of the deposit insurance pricing mechanism and the effects of the deposit insurance system, characterized by a framework that integrates empirical facts, pricing mechanisms, risk effects, and mechanism design. It effectively combines theoretical and empirical research, addressing both pricing mechanisms and risk effects in detail [4][5]. - The theoretical contributions include integrating prudent regulation and macroeconomic policies into deposit insurance pricing models, enriching the theoretical landscape of deposit insurance [4][5]. - The empirical focus on small and medium-sized banks provides valuable insights into the effects of the deposit insurance system, offering a scientific evaluation that can inform future improvements [4][5].

近日，中国民生银行济南泺源支行积极开展了存款保险宣传活动，旨在提高公众对存款保险制度的认知 和理解，增强公众对银行体系的信心。 为了让更多的人了解存款保险制度，该支行通过多种渠道进行了宣传。充分发挥营业网点的宣传主阵地 作用，依托"点多面广"优势，多措并举营造浓厚氛围，扩大宣传影响力：在营业厅醒目位置摆放主题海 报、宣传折页等配套资料；利用公共教育区电视屏、门口电子屏滚动播放宣传视频、宣传标语；设置宣 传专岗，为客户讲解存款保险核心内容，答疑解惑，让存款保险实现"宣传零距离"。支行还通过微信公 众号、短信等方式，向客户推送存款保险相关知识，提高了宣传的覆盖面和效果。 存款保险宣传是银行的一项重要工作，通过宣传活动，可以让客户更好地了解存款保险制度，增强客户 对银行的信心，同时也提高了银行的社会责任感和公信力。未来，民生银行济南泺源支行将继续加强存 款保险宣传工作，不断提高服务质量和水平，为客户提供更加安全、便捷的金融服务。 支行组织人员前往周边社区集中开展宣传活动，向群众讲解存款保险知识，增强宣传覆盖面，打通知识 普及的"最后一公里"。另一方面宣传人员借助进企服务、金融知识座谈会、金融知识大讲堂等形式，以 现 ...

Core Viewpoint - The establishment and implementation of the deposit insurance system in China have significantly enhanced the protection of depositors' rights and contributed to financial stability over the past decade, especially highlighted by the successful resolution of the Baoshang Bank crisis [1][2][3]. Group 1: Background and Development of Deposit Insurance - The deposit insurance system was officially established on May 1, 2015, after a long development process that began with proposals in 1993 [2]. - The system aims to safeguard public interests by ensuring the safety of deposits through a legally established insurance fund [2]. - Over the past ten years, the system has played a crucial role in protecting depositors and maintaining financial stability, particularly during crises [2]. Group 2: Case Study of Baoshang Bank - Baoshang Bank was placed under regulatory takeover on May 24, 2019, due to severe credit risks and significant asset impairment [1][3]. - The bank's crisis was exacerbated by the failure of its major shareholder to repay funds, leading to a liquidity crisis [3]. - The deposit insurance system facilitated the resolution of Baoshang Bank's issues by establishing a new bank to take over deposits and core operations, thus protecting depositors [1][3]. Group 3: Functionality and Impact of Deposit Insurance - The deposit insurance system has a compensation limit of 500,000 yuan, which covers 99% of depositors, placing it at a relatively high international level [4][5]. - Since its inception, the system has collected a total of 373.2 billion yuan in premiums, providing a solid resource base for protecting depositors [5]. - The system has effectively reduced the frequency and impact of bank runs, particularly after the introduction of deposit insurance branding and public awareness campaigns in 2020 [5]. Group 4: Risk Management and Regulatory Framework - The deposit insurance system is designed not just as a payout mechanism but as a proactive risk management tool, incorporating monitoring, early intervention, and market exit strategies [6][7]. - A risk-based premium system was introduced in 2016, requiring higher premiums from riskier institutions, thereby encouraging prudent management [8]. - The system's effectiveness relies on accurate risk assessment and timely intervention, necessitating enhanced monitoring and regulatory powers for the deposit insurance fund management [9][10]. Group 5: Future Enhancements and Recommendations - There is a need to strengthen the deposit insurance system's risk management capabilities and enhance its authority to initiate risk resolution measures [11][12]. - Recommendations include developing a dedicated deposit insurance law, improving risk monitoring systems, and ensuring effective early intervention mechanisms [10][12]. - The overall goal is to create a robust financial safety net that prevents systemic risks while ensuring fair competition among financial institutions [12][13].

Core Viewpoint - The establishment of the deposit insurance system in China has significantly protected depositors' rights and enhanced public trust in the banking system, but there are calls for legislative improvements to address existing limitations in the current framework [1][7]. Group 1: Overview of Deposit Insurance System - The deposit insurance system has been operational since May 1, 2015, providing full protection for over 99% of depositors with a compensation limit of 500,000 yuan, which is significantly higher than the international average [1]. - The system has played a crucial role in maintaining the stability of the banking sector and has been involved in risk resolution for institutions like Baoshang Bank and Liao Yang Rural Commercial Bank [1]. Group 2: Legal and Regulatory Challenges - The current legal framework, including the People's Bank of China Law and the Banking Supervision Law, does not provide sufficient authority for the deposit insurance system, which is primarily governed by the lower-tier Deposit Insurance Regulation [2][3]. - The Deposit Insurance Regulation, established in 2015, lacks detailed provisions and has been criticized for its limited effectiveness in risk monitoring and early intervention [4][5]. Group 3: Calls for Legislative Reform - Industry experts and officials have emphasized the need for a dedicated deposit insurance law to enhance the legal standing and effectiveness of the deposit insurance system, particularly in risk prevention and resolution [6][7]. - Recent meetings, including the Central Financial Work Conference, have highlighted the importance of improving the deposit insurance framework to better manage systemic risks and enhance financial stability [7][8]. Group 4: Recommendations for Improvement - Experts suggest that a new deposit insurance law should clarify the roles and responsibilities of the deposit insurance system in risk resolution and improve the mechanisms for early intervention and risk monitoring [9]. - Establishing a robust risk monitoring and early warning system is essential for timely identification and management of risks within financial institutions [8][9].