Core Points - The core objective of the deposit insurance promotion activity is to enhance public awareness and understanding of the deposit insurance system, thereby increasing confidence in the banking system [1][2] Group 1: Promotion Activities - The Jinan Luoyuan Branch of China Minsheng Bank has actively conducted deposit insurance promotion activities through various channels to reach a wider audience [1] - The branch utilized its physical locations as primary promotion sites, displaying thematic posters and promotional materials prominently in the lobby [1] - Digital media was leveraged, including the use of public education area TVs and electronic screens at the entrance to broadcast promotional videos and slogans [1] - A dedicated information desk was set up to provide explanations and answer questions about deposit insurance, ensuring close interaction with customers [1] - The branch also employed WeChat public accounts and SMS to disseminate deposit insurance knowledge, enhancing the reach and effectiveness of the promotion [1] Group 2: Community Engagement - The branch organized personnel to conduct concentrated promotional activities in surrounding communities, explaining deposit insurance knowledge to the public [1] - Various formats such as enterprise service visits, financial knowledge seminars, and lectures were used to educate the public on deposit insurance [1] - The promotion not only informed customers about deposit insurance but also offered personalized financial services and advice based on customer needs and concerns [1] Group 3: Future Commitment - Deposit insurance promotion is recognized as an important task for banks, enhancing customer understanding and confidence while improving the bank's social responsibility and credibility [2] - The Jinan Luoyuan Branch plans to continue strengthening deposit insurance promotion efforts and improving service quality to provide safer and more convenient financial services to customers [2]

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].

Core Viewpoint - The importance of deposit insurance has been highlighted in the context of recent banking crises, particularly following the collapse of Silicon Valley Bank in 2023, emphasizing the need for effective financial safety nets to protect depositors [1][2]. Group 1: Deposit Insurance Overview - Deposit insurance is a legal framework established by the state to protect public deposits, ensuring safety for amounts up to 500,000 RMB per depositor in a single institution [1]. - Globally, nearly 150 countries have implemented deposit insurance systems, often through specialized legislation and institutions to safeguard depositors' interests and maintain financial stability [2][3]. Group 2: Challenges and Lessons - Historical lessons indicate that deposit insurance cannot merely function as a "paybox" without proactive regulation, as evidenced by the failures of nearly 3,000 U.S. savings and loan institutions from 1980 to 1994, leading to significant financial losses [2]. - Countries like the U.S., Canada, Japan, and South Korea have established comprehensive legal frameworks for deposit insurance, which include risk monitoring and early corrective measures to mitigate moral hazard [3][4]. Group 3: Recommendations for Improvement - Experts suggest that deposit insurance must adopt a comprehensive approach, incorporating early corrective measures and risk monitoring to prevent regulatory complacency and moral hazard [3][5]. - The Chinese deposit insurance system has adopted a "risk minimization" model but requires enhancements in early corrective functions, similar to the established practices in the U.S. and other countries [3][4]. Group 4: Future Directions - The future of deposit insurance in China should focus on strengthening its legal framework, enhancing risk monitoring and early warning systems, and improving coordination with financial regulatory bodies [5][6]. - There is a need to expand the capabilities of deposit insurance in risk management, including the establishment of a backup financing mechanism and the development of diverse risk disposal tools [6].

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].

Group 1 - The core viewpoint of the articles emphasizes the importance of enhancing awareness and understanding of deposit insurance among employees in local enterprises to maintain financial stability [1][2] - Minsheng Bank's Liaocheng branch conducted a detailed promotional activity on deposit insurance, explaining its basic concepts, coverage, and compensation limits to employees [1] - The bank addressed common misconceptions about deposit insurance, such as the belief that only large deposits are covered and that depositors must pay for insurance [1][2] Group 2 - The promotional activity included an interactive Q&A session where employees actively participated and raised questions about deposit insurance, enhancing their understanding [2] - The event successfully improved employees' recognition of the deposit insurance system and boosted their confidence in the safety of bank deposits, contributing positively to consumer rights and a stable financial environment [2] - Minsheng Bank's Liaocheng branch plans to continue diverse promotional activities for deposit insurance, aiming to innovate communication methods and broaden outreach [2]

Core Viewpoint - The People's Bank of China Laiwu Branch is actively promoting deposit insurance awareness as it marks the tenth anniversary of the implementation of the Deposit Insurance Regulations, with the theme "Ten Years of Deposit Insurance, Protecting Thousands of Families" [1] Group 1: Promotion Strategies - Since 2025, the Laiwu Branch has engaged in deposit insurance promotion through various mechanisms, including "Rural Financial Experts," "Financial Commissioners," and "Deposit Insurance Promotion Teams," aiming for comprehensive coverage with the "Double Hundred Thousand" initiative [3] - The initiative includes establishing 100 demonstration villages and communities for deposit insurance promotion, 100 educational demonstration outlets, training 1,000 volunteer promoters, and conducting 1,000 promotional events [3] - The branch has utilized grassroots workers to create "Deposit Insurance Awareness Corners" in local governments and communities, ensuring a robust promotional network [3] Group 2: Targeted Outreach - The Laiwu Branch has formed a financial knowledge promotion service team to conduct targeted outreach in rural areas, communities, schools, enterprises, and government agencies, focusing on vulnerable groups such as the elderly [4] - Monthly promotional activities are organized by different banking institutions, creating a unique brand for each bank, and facilitating direct communication with the public to address questions and distribute materials [4] - Collaborations with local regulatory bodies and law enforcement have been established to enhance consumer rights education and prevent illegal financial activities [4] Group 3: Innovative Communication - The Laiwu Branch emphasizes innovation in its promotional efforts, utilizing new media platforms to create engaging short videos and graphic content to disseminate deposit insurance knowledge [6] - The Laiwu Rural Commercial Bank and Laishang Bank have launched series of short videos on platforms like WeChat and Douyin, achieving significant viewership and positive feedback [6] - A joint initiative with Laiwu Postal Savings Bank has transformed postal delivery vehicles into mobile promotion stations for deposit insurance, reaching households directly [6] Group 4: Risk Management - While promoting deposit insurance, the Laiwu Branch maintains a strong focus on risk prevention, ensuring compliance with regulatory requirements and monitoring potential risks [7] - Regular meetings and direct oversight have been implemented to ensure that promotional activities are conducted smoothly and effectively [7] - Continuous monitoring of negative public sentiment is in place to address any emerging risks promptly, supporting the overall success of the deposit insurance promotion efforts [7]

转自：新华财经 2025年是《存款保险条例》实施十周年，为进一步做好存款保险宣传，提升宣传有效性，提高公众认知 度，兴业银行青岛分行开展系列"存保护航 倾心为民"宣传活动，扩大金融知识普及覆盖面，为提升公 众金融素养、维护区域金融稳定贡献积极力量。 此次"存保十年"系列宣传活动，是兴业银行青岛分行积极履行社会责任、提升金融服务水平的重要体 现。未来，兴业银行青岛分行将持续强化公众金融知识宣传教育，常态化开展存款保险宣传工作，秉 承"真诚服务，相伴成长"的服务理念，切实依法保护存款人的合法权益，为构建和谐健康的金融环境贡 献更大力量。（宋沛航） 编辑：赵鼎 近日，兴业银行青岛城阳支行走进青岛某工程塑料有限公司，为一线基础工人开展存款保险宣教活动， 以精准服务助力提升公众金融安全感。一线工人普遍存在对金融政策了解有限、对存款安全保障存在疑 虑的情况。兴业银行青岛城阳支行精准把握这一需求，组织党员、团员组成志愿者宣传小队，携带存款 保险宣传折页、海报等资料走进厂区，在企业会议室为员工开展面对面宣讲。活动以"存款保险是什 么？我的钱存银行安全吗？"为核心问题，通过"案例+政策"结合的方式，用通俗语言拆解专业内容，帮 ...

Group 1 - The core message of the news is that the Industrial Bank Qingdao Branch is actively promoting the understanding of the deposit insurance system among community residents as the implementation of the Deposit Insurance Regulations marks its tenth anniversary in 2025 [1][2] - The Qingdao Branch organized a themed publicity event titled "Deposit Protection Navigation, Heartfelt Service for the People," engaging with local communities to enhance financial security awareness [1] - The event included interactive activities such as case studies and quizzes to educate residents, particularly targeting elderly and youth groups, about the importance of deposit insurance [1] Group 2 - The Qingdao Branch's efforts included hands-on guidance for elderly residents on using mobile banking to check deposit insurance identifiers, aiming to bridge the digital divide and improve access to financial services [1] - Various promotional materials, including banners, posters, and branded items, were distributed to further spread knowledge about deposit insurance [1] - The bank's representative emphasized the significant role of the deposit insurance system in maintaining financial stability over the past decade and expressed commitment to continue innovative outreach efforts to protect citizens' financial security [2]

Core Viewpoint - The deposit insurance system in Sichuan has been effectively implemented over the past decade, enhancing the overall financial safety net and contributing to high-quality economic and financial development in the province [1][2] Group 1: Deposit Insurance System Performance - The deposit insurance system has achieved full coverage in over 30,000 administrative villages and communities across 183 counties and cities in Sichuan, leading to a steady increase in public awareness of the system [1] - By the end of 2024, the deposit insurance system's maximum compensation limit of 500,000 yuan will provide full protection for approximately 99% of depositors in Sichuan [1] - From 2015 to 2024, Sichuan's GDP grew by 113.23%, while the scale of loans and deposits in financial institutions increased by 123.13% and 203.81%, respectively [1] Group 2: Public Awareness and Education Initiatives - The People's Bank of China in Sichuan has established a mechanism for continuous improvement of deposit insurance publicity, integrating it into public education and financial support for rural revitalization [2] - There are 19,000 bank outlets in the province that serve as primary venues for deposit insurance promotion, ensuring comprehensive integration into banking processes [2] - A multi-dimensional publicity system has been created, utilizing local government websites, authoritative media, and social media platforms to enhance the understanding of deposit insurance policies [2] Group 3: Targeted Outreach and Cultural Integration - Focused efforts are made to promote deposit insurance in key areas and among specific demographics, including the elderly and youth, through community initiatives and educational programs [2] - The promotion of deposit insurance knowledge is integrated with local cultural resources, enhancing its appeal and reach through events like the Mianyang International Science and Technology Expo and the Luzhou International Wine Industry Expo [2] - A new model combining professional competitions with public outreach has been explored, exemplified by a skills competition aimed at improving the quality of deposit insurance promotion across the province [2]