Summary of Key Points from Conference Call Industry Overview - The conference call discusses the regulatory framework and developments in the platform economy in China, focusing on the newly proposed guidelines for network transaction platform charging behaviors [4][5][6]. Core Insights and Arguments 1. **Regulatory Framework Improvement**: The Market Supervision Administration is drafting guidelines aimed at regulating and guiding charging behaviors of network transaction platforms to protect operators' rights and promote sustainable development of the platform economy [4][5]. 2. **Platform Economy Growth**: The platform economy in China has rapidly developed, significantly contributing to consumption, employment, and innovation, benefiting millions of network operators and consumers [5]. 3. **Charging Issues**: Many platform operators face challenges such as complex charging methods, lack of transparency, and numerous fees, which have prompted the need for clearer regulations [5][6]. 4. **Compliance and Self-Regulation**: The guidelines emphasize the importance of both external regulatory constraints and internal compliance mechanisms within platform enterprises to ensure fair competition and market order [6][7]. 5. **Specific Guidelines**: The guidelines detail requirements for platforms to establish reasonable charging standards, improve transparency, and ensure operators' rights to information and choice [7][8]. 6. **Global Context**: The governance of platform economies is a global challenge, with various countries adopting different regulatory models. China's recent legal frameworks aim to enhance the governance structure of the platform economy [8]. Additional Important Content 1. **Risk Management**: The guidelines address the need for platforms to manage charging risks effectively and to establish internal compliance systems to mitigate these risks [5][6]. 2. **Transparency and Fairness**: The guidelines call for platforms to ensure transparency in their charging practices and to avoid unreasonable fees, which is crucial for maintaining trust among operators [7][8]. 3. **Encouragement of Self-Regulation**: The guidelines encourage platforms to adopt self-regulatory measures to reduce the burden on operators, fostering a cooperative environment between the government and enterprises [6][7]. 4. **Implementation of Guidelines**: The successful implementation of these guidelines is expected to lead to a healthier ecosystem for platform operators and consumers, promoting long-term growth in the platform economy [8].

■本报记者曹沛原 为更好发挥存款保险制度各项功能，守护人民群众"钱袋子"，近日，广西漓江农合行组织开展形式多样 的存款保险宣传活动，通过"阵地+外拓""线上+线下"相结合方式，结合"社保卡激活+金融宣教"双服 务，将存款保险政策送入千家万户，筑牢金融安全防线。 "在日常工作中，我行充分发挥辖区35个支行营业网点宣传主阵地作用，在营业大厅显眼位置摆放宣传 折页及宣传海报，利用LED电子屏循环播放存款保险宣传标语和存保知识动画短视频。"漓江农合行相 关负责人告诉记者。 不仅如此，各支行大堂经理主动向等候区的客户发放宣传折页并耐心讲解存款保险知识，解答客户疑 问，让广大客户在等待办理业务时，也能轻松获取金融知识。同时，不定期举办厅堂沙龙，开设主题 为"十载存保安民心金融基石筑梦行"的"存款保险微课堂"，主动向客户讲解存款保险保障范围、偿付限 额等核心内容，增强客户参与感。 为进一步扩大金融知识宣传覆盖面，漓江农合行组织工作人员前往各营业网点周边商户和村委宣传，在 各村委会和集中宣传点大力开展存款保险宣传工作，醒目的"存保十年，守护万家""十载存保安民心， 金融基石筑梦行"等宣传标语随处可见。工作人员通过派发宣传折页 ...

十年来，存款保险制度稳健运行，在保护广大存款人合法权益、防范化解金融风险、维护金融稳定方面 发挥了重要作用。 《农村金融时报》记者邀请广西恭城农商银行党委书记、董事长贺雷，广西德保农商银行副行长凌世 博，浙江农商联合银行辖内嵊泗农商银行业务发展与管理部副总经理娄艳艳，就金融机构存款保险宣 传、守护县域金融安全进行经验分享。 ■本报记者曹沛原王爱静 记者：当前，普通储户对存款保险标识的认知度如何？贵行如何深化公众认知？ 贺雷：农村地区认知度仍有提升空间。我行从"线上+线下+联动"三维度深化认知：第一是线下场景渗 透。在自助取款机、营业网点等显眼位置张贴"存款保险"标识；每月开展"走村入户"宣传，带着标识海 报、手册进屯子，结合村民赶圩日、民俗活动群众聚集节点现场讲解； 第二是线上精准触达。针对外出务工的年轻储户，通过微信公众号推送"存款保险"系列科普； 第三是多方联动强化。我行联合国家金融监督管理总局桂林分局、国家金融监督管理总局恭城支局、村 委会等各单位，将存款保险宣传融入"金融知识进万家""乡村夜校"等常态化活动，让标识和知识融入村 民日常生活场景。 二是通过定期或不定期对员工开展存款保险知识培训，在工作中 ...

Core Viewpoint - The deposit insurance publicity activities organized by China CITIC Bank Baotou Branch aim to enhance public awareness of the deposit insurance system and promote its understanding through various grassroots initiatives [1][2]. Group 1: Publicity Activities - The theme of the publicity campaign is "Ten Years of Deposit Insurance, Protecting Thousands of Families," focusing on grassroots outreach in villages, communities, schools, enterprises, and government agencies [1]. - The campaign also extends to markets, hospitals, ports, military camps, and red tourism sites to further increase the coverage of grassroots publicity [1]. Group 2: Multi-Dimensional Promotion - Various institutions collaborated to conduct financial knowledge promotion activities, utilizing booths, display boards, banners, and brochures to emphasize financial safety and explain deposit knowledge [1]. - A promotional video titled "Ten Years of Deposit Insurance, Trusting Thousands of Families" was launched to vividly interpret the essence of deposit insurance regulations, integrating local and ethnic characteristics [1]. Group 3: Community Engagement - The deposit insurance publicity team engaged with the public by visiting schools, communities, markets, and hospitals, bringing deposit insurance knowledge into various aspects of daily life [1]. - The initiative aims to help the public solidify their understanding of financial safety [1][2].

中国人民银行巴中市分行立足川陕革命根据地红色资源优势，构建"存款保险+"融合宣传模式，用好"两 支队伍"、盘活"红色地标"，让老区储户存款更安心、更放心。该行积极践行"金融为民"理念，组建党 员先锋队员深入基层，通过发放宣传折页、现场讲解等方式，增强群众风险防范意识和对银行机构的信 心。 辖内银行机构以"党建+存保为民"为主题，开展"能力培养""民俗架桥""服务下沉"系列存款保险主题活 动。长城华西银行巴中分行利用部门晨会、行长周例会"简培训"加固，支部会专项"精集训"提升，着力 培养一批党员宣讲能手。四川银行巴中市分行将存款保险等金融知识纳入驻村帮扶内容，定期对结对帮 扶群众、村干部开展"知识帮扶小课堂"，以"裕农站点""蜀农益站"等便民宣传平台为载体，精心设计存 款保险宣传栏，张贴通俗易懂的海报，摆放供群众免费取阅的宣传折页，为村民打造家门口的"金融知 识补给站"。 "乡亲们，当年红军用生命保卫根据地，现在存款保险制度守护大家的存款安全！"在红军入川第一站两 河口，巴中农商银行存款保险宣传员龙玲正向村民介绍存款保险的作用。这是巴中农商银行创新开展 的"红色金融讲堂"活动现场。讲堂上，宣传员巧妙地将存款保险 ...

Core Viewpoint - The deposit insurance system in China has effectively stabilized public confidence in financial institutions and protected depositors' interests over the past decade, with significant developments and reforms anticipated in the coming years [5][6][10]. Summary by Sections Overview of Deposit Insurance System - The deposit insurance system in China has been in place for ten years since the implementation of the "Deposit Insurance Regulations" in May 2015, covering all deposit-taking financial institutions [4]. - The maximum compensation limit for deposit insurance is set at 500,000 RMB, and the funding comes from premiums paid by financial institutions, with no cost to depositors [4]. Historical Performance and Impact - The system has undergone multiple tests, notably during the takeover of Baoshang Bank in 2019, where the deposit insurance fund provided full protection for claims under 50 million RMB and nearly 90% coverage for larger claims [5]. - Since 2021, deposit insurance has played a role in the reform and risk management of small and medium-sized banks, including the establishment of LiaoShen Bank and support for the bankruptcy of LiaoYang Rural Commercial Bank [5]. Growth and Future Directions - By the end of 2024, deposits in small and medium-sized banks are expected to have increased by 124% since 2015, with a market share rise of 2.4 percentage points [6]. - Future plans include enhancing the deposit insurance fund and exploring backup financing mechanisms to increase revenue and ensure financial stability [6][10]. Financial Operations and Premium Collection - The deposit insurance fund is managed by the Financial Stability Bureau of the People's Bank of China, with institutions required to pay premiums semi-annually based on a risk-differentiated rate system [7][10]. - The total collected premiums from 2015 to 2024 amount to 373.2 billion RMB, supporting risk management efforts [11]. Legal Framework and Recommendations - There is a call for the establishment of a dedicated Deposit Insurance Law to clarify the system's legal standing and enhance its operational framework [13][14]. - Experts suggest improving early correction mechanisms and risk management processes within the existing regulations to better address financial risks [15][16].

韩国提高存款保险上限 "存款搬家潮"或来袭 金十数据5月15日讯，韩国金融监管机构表示，自9月起，每位客户在金融机构的存款保险上限将从目前 的5000万韩元提高至1亿韩元（约71,174美元），这一措施旨在增强公众对银行体系的信心。这可能会 部分影响货币市场，因为储户或将资金转向提供更高利率的金融机构，例如储蓄银行，而非传统商业银 行。韩国金融委员会补充称，这种"存款搬家"现象可能导致商业银行通过发债来弥补资金缺口。韩国政 府表示，将密切关注资本流动和市场反应，因为一些金融机构可能因此次调整面临流动性或偿付能力方 面的挑战。政府还将严密监控二级金融机构是否出现"过度放贷"行为。此次调整使韩国的存款保险制度 更接近国际标准，并有望鼓励个人更多地将储蓄存入银行。 ...

开展特色宣传，推动宣传提质增效。一是创新宣传方式，与泗阳县淮海剧团合作，将存款保险知识融入 淮海戏，以群众喜闻乐见的形式将存款保险知识送到群众身边。二是开展"存款保险知识进万家"活动， 组建宣传小分队，深入社区、企业、学校等，通过现场讲解、发放宣传资料、案例分析等形式，向群众 普及存款保险知识，提升宣传的针对性和实效性。三是开展线上宣传，通过微信公众号、朋友圈等渠 道，推送存款保险知识图文、视频等内容，扩大宣传覆盖面。 强化培训学习，提升员工宣传能力。组织全行员工开展存款保险知识培训，深入学习存款保险制度的背 景、意义、主要内容和宣传要点，提升员工对存款保险制度的理解和认识。同时，开展宣传话术演练， 提升员工宣传能力和服务水平，确保宣传工作取得实效。 此次宣传活动，有效提升了社会公众对存款保险制度的认识度和信任感，增强了公众对金融机构的信 心。下一步，农发行宿迁市分行将以存款保险制度实施十周年为契机，持续开展存款保险宣传活动，创 新宣传方式，丰富宣传内容，推动存款保险知识深入人心，为维护区域金融稳定贡献农发行力量。 为深入贯彻落实人民银行关于《存款保险条例》实施十周年宣传工作部署，切实提升社会公众对存款保 险 ...

Core Viewpoint - The 10th anniversary of the implementation of the Deposit Insurance Regulations highlights the significant achievements and ongoing challenges in enhancing the financial safety net in China, emphasizing the need for legal elevation and improved mechanisms for risk management and early intervention [2][5][6]. Summary by Relevant Sections Financial System Stability Enhancement - The Deposit Insurance Regulations have been in effect since May 2015, establishing a financial safety net supported by prudent regulation, deposit insurance, and the central bank as the lender of last resort [2]. - Over the past decade, the deposit insurance system has effectively enhanced public confidence in the banking system, improved depositor protection, and facilitated the orderly exit of high-risk banks, thereby strengthening the overall stability of the financial system [2][4]. Deposit Insurance Fund Statistics - As of the end of 2024, there are 3,761 insured institutions in China, with a total of 373.2 billion yuan in collected premiums [3]. - The deposit insurance system has conducted risk warnings and early corrective measures for 1,600 insured institutions, showcasing its proactive approach to risk management [3]. Legal Framework and Recommendations - Experts have called for the elevation of the legal status of the Deposit Insurance Regulations, which currently function as administrative regulations, to a dedicated law to enhance its effectiveness in risk management [5][6]. - The need for a specialized deposit insurance law has been emphasized, as it would clarify the responsibilities and powers of deposit insurance institutions and improve early corrective measures [5][6]. Improvement of Deposit Insurance Mechanisms - Experts suggest that the deposit insurance system should be integrated into the central bank's operational framework to strengthen its professional risk management and early intervention capabilities [7]. - There is a call for the establishment of a more robust early corrective mechanism and a broader range of risk management tools to address new challenges in the banking sector [7][8]. Funding Sources for Deposit Insurance - The discussion at the symposium included the need to diversify the funding sources for the deposit insurance fund, drawing on international practices such as central bank loans, bond issuance, and special levies on institutions [8]. - Establishing a similar mechanism in China would enhance the liquidity and risk response capabilities of the deposit insurance fund [8].

二是不断夯实存款保险基础保障功能。坚守"存保为民"理念，紧扣挤兑风险防控的目标导向，深入群 众，贴近基层，聚焦认知薄弱人群和金融生态不佳的重点地区，持之以恒做好存款保险宣传，进一步强 化公众存款有保障的心理预期，提升公众对存款保险的认知度。贯彻落实中央金融工作会议要求，加快 推进基金积累，拓宽基金资金来源，进一步健全存保基金应急补充机制，有力保障中小银行改革化险和 风险处置需要。 北京商报讯（记者 岳品瑜 董晗萱）5月6日，据人民银行官微，中国人民银行党委委员、副行长宣昌能 撰文谈存款保险制度实施十周年。 宣昌能表示，有效的存款保险制度应着力于严肃市场纪律、防范道德风险，风险处置中首先要压实机构 自救的主体责任。展望未来，要保持定力、锐意进取、久久为功，在实践中不断完善存款保险制度功 能，从夯实法律基础、强化保障功能、提升风险防范化解能力、健全风险处置机制等方面，着力推动存 款保险事业高质量发展。 一是推动完善存款保险法律体系。积极研究推进存款保险法立法工作，借助金融法、金融稳定法、《中 国人民银行法》《商业银行法》等立法修法契机，在法律中强化存款保险各项核心职能，明确我国存款 保险定位于金融安全网三支柱之一 ...