Core Viewpoint - The event organized by China Minsheng Bank's Jinan branch successfully enhanced employees' understanding of the deposit insurance system and financial risk awareness through targeted educational activities [1][2][3] Group 1: Event Overview - The bank set up a dedicated promotional point at the enterprise, displaying well-designed exhibition boards covering key aspects of the deposit insurance system, including an overview, coverage, and compensation standards [1] - Sufficient promotional materials, such as brochures and leaflets, were provided for employees to read [1] Group 2: Educational Activities - Professional staff conducted focused presentations across various departments, explaining the essence of the deposit insurance system and its role in safeguarding depositors' funds [2] - Real-life scenarios of potential financial risks faced by enterprises were analyzed, highlighting the deposit insurance system as a "safety net" [2] - A dedicated Q&A session was held to address employees' inquiries about the deposit insurance system, ensuring comprehensive understanding [2] Group 3: Impact and Future Plans - Over 80 brochures were distributed, and more than 80 employees participated, significantly improving their awareness of the deposit insurance system [3] - Many employees expressed that they previously had misunderstandings about the system but now recognize its effective protective role, increasing their confidence in the safety of bank deposits [3] - The bank plans to continue diverse financial knowledge promotion activities to expand the reach and impact of financial education [3]

2025年《存款保险条例》迎来施行十周年。十年间，存款保险制度始终是筑牢金融安全网的坚实屏障。 值此重要节点，民生银行济宁邹城支行紧扣"存保十年"主题，创新开展多元化宣传活动，全力守护邹城 百姓的"钱袋子"。 未来，民生银行济宁邹城支行将以存保十年为新起点，持续深化宣传工作，创新宣传形式，扩大宣传覆 盖面，为维护邹城地区金融稳定、保护存款人合法权益贡献民生力量。 除网点宣传外，民生银行济宁邹城支行积极拓展宣传场景，将服务延伸至群众身边。支行员工走进当地 大型商超，开展"存保知识进万家"主题宣传活动。活动现场，工作人员通过设立咨询台、发放宣传资料 等方式，向过往市民普及存款保险知识。针对老年群体和普通消费者，工作人员用通俗易懂的语言，结 合典型案例，详细讲解存款保险的保障范围、偿付限额等内容，帮助群众消除存款安全疑虑。同时，通 过有奖问答等互动形式，提升群众参与热情，让存款保险知识更加深入人心。 作为金融服务的前沿窗口，民生银行济宁邹城支行将营业网点打造为宣传主阵地。自2015年起，支行持 续优化宣传场景，在营业厅入口、现金柜台等显著位置规范张贴存款保险标识，让客户第一时间感知保 障，设立专门的宣传展示区，定期 ...

强化培训夯基础，精细服务筑屏障。一是针对存款保险宣传的专业性和政策敏感性，支行采取"理论 +实践"相结合培训模式。围绕存款保险制度"存款保险定义、保障范围、偿付限额、存款保险标识"等内 容，辖内网点对全网点员工进行了详细讲解，确保一线员工熟练掌握政策要点。展情景模拟演练，提升 员工应对客户咨询的专业能力，模拟老年客户咨询存款安全、小微企业主询问资金保障等场景，强化员 工沟通技巧与政策解答能力。二是客户互动精细化，增强宣传渗透力。"微课堂"常态化，每日在网点客 户高峰时段开设"存款保险微课堂"，通过真实案例解析存款保险制度对个人储蓄的保障作用。 特色场景宣传精准触达，延伸金融服务半径。一是社区场景，老年群体定向突破。以"315消费者权益保 护日"为契机，联合南通阳光养老中心开展"金融安全进社区"活动，将存款保险宣传与老年人权益保护 深度融合。通过互动问答环节，重点讲解"存款保险标识识别""偿付流程"等实用知识。活动吸引120余 名老人参与，现场解答疑问40余条。二是校园场景，青少年金融素养筑基。在"反洗钱知识进校园"活动 中嵌入存款保险宣传模块，形成金融安全知识体系化输出。专题讲座深入化，解析存款保险制度对个人 ...

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].

传播知识，点亮万家灯火 在传播存款保险知识的道路上，该行始终秉持一种信念：让政策说百姓听得懂的话，让知识走完"最后 一公里"。面对不同群体的认知差异，南通农商银行建立起精准化宣传网络。面对老年客户群体，启动 银发守护计划，重阳节走进敬老院演示防诈骗技巧，手把手教老人识别存款保险标识。针对新市民群 体，开展新市民赋能行动，用"歇脚十分钟"微课堂为菜场摊主、外卖骑手们讲解理财知识。启动企业护 航工程，深入重点企业支起"存保知识充电站"，将存款保险与工资代发、理财规划相结合。开展"小小 银行家"活动，引导孩子们画出心中的"存款保护伞"，通过教育一个孩子，带动整个家庭，实现知识传 递。 存款保险制度的生命力不在高悬庙堂，而在于扎根市井巷陌，要让百姓真正感知这份安心，需要将政策 语言转化为生活叙事。远近闻名的"谨慎人"李大爷，现在逢人就夸存款保险好。"以前总觉得钱放床底 下安心，现在终于明白，有这个保护伞罩着，存银行比藏家里踏实！"这份转变背后，是南通农商银行 十年如一日的暖心宣传。从台风天营业厅里的动画短剧，到社区活动室的方言情景剧，该行把复杂的政 策条文转化为"李大爷退休规划""王阿姨买菜账本"这样的生活场景，用街 ...

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].