若是有朝一日，你的银行账户上赫然多出了一个令常人难以企及的数字——一亿，那么，恭喜你，你已踏上了富裕的阶梯。然则，财富带来的并非单纯的喜 悦，还有更为复杂的思考。如何安置这一笔可观的财富，便成了一个值得深思的问题。 然而，除了这些必不可少的金融考量，你还可以从另一个角度来看待存款。此刻，你已经成为银行眼中的VIP客户。你的账户中那笔一亿，不仅令你与常人 之间的差距愈加拉大，更让你在银行享受到了诸多的优待。 银行为了保留这样的大客户，往往会提供较高的利率，这不仅是对你的奖励，也是银行依赖你存款的方式。作为VIP客户，你还可以享受到专属的贵宾服 务，无论是优先办理业务，还是免费使用贵宾室，都能够让你在银行的一切事务中感到尊贵与便捷。除此之外，银行的理财顾问将随时为你提供个性化的理 财咨询，帮助你分析市场趋势，指导你做出更为明智的投资决策。为了感谢你的信任，银行还会赠送一些精心挑选的礼品，或许是一瓶美酒，或许是一张高 价值的优惠券。再者，银行会为你安排专属的客户经理，提供一对一的服务，几乎不需你亲自上门，便可以享受周到的金融服务。 我们不妨从一个简单的例子谈起。如果你手中的这笔财富，被存进了银行，第一步便是选择一个 ...

导读：在风险处置典型案例中，存款保险作用发挥明显，不仅化解了个别机构风险，而且有效防止了风 险在区域内的蔓延和向同类型机构的扩散 作者｜张健华「清华大学五道口金融学院金融发展与监管科技研究中心主任」 文章｜《中国金融》2025年第9期 自2015年5月1日《存款保险条例》正式施行至今，我国存款保险制度正好走过了十年。笔者在《存款保 险条例》出台前的2003～2012年的近十年，作为存款保险制度设计联合工作小组的具体协调人，深度参 与了存款保险制度建设工作和《存款保险条例》前期的起草过程。2012年下半年因工作岗位调整，我虽 不再参与具体工作，但作为咨询专家也多次参与相关讨论，制度正式出台后更是在多种场合对存款保险 制度进行了大量的宣传解释工作。回想起存款保险制度出台前开展的大量学习、研究、研讨、沟通协调 工作，包括引进来和走出去的国际经验借鉴，感受良多。存款保险制度的建立，正式补齐了我国金融安 全网中缺失的一个重要组成部分。十年后回过头来看，当时关注的许多问题多数得到了较好的解决，但 也有一些待改进之处。 存款保险制度建设前期的主要工作及重点关注问题 时任专题工作组负责人的人民银行副行长苏宁除在各种场合宣传介 ...

Core Viewpoint - The article emphasizes the importance of enhancing the deposit insurance system in China, particularly through the establishment of a backup financing mechanism in the new deposit insurance law, to better protect depositors and manage financial risks effectively [1][7]. Group 1: Achievements of the Deposit Insurance System - The deposit insurance system has been operational for ten years, significantly enhancing public confidence in the banking system and improving depositor protection levels [1][4]. - Over 99% of depositors are provided with full protection, which is notably higher than the international average [1][6]. - The system has played a crucial role in risk monitoring, early correction, and orderly exit of high-risk banks, thereby strengthening the stability of China's financial system [1][4]. Group 2: Recommendations for Improvement - Experts suggest that the deposit insurance law should be elevated to a higher legal status to provide a more robust framework for the operation of the deposit insurance system [7][8]. - There is a call to enhance the functions of deposit insurance, including the development of early correction and risk disposal measures, and to enrich the deposit insurance fund [2][7]. - The establishment of a backup financing mechanism is recommended to ensure the deposit insurance fund can respond effectively to external financial shocks [7][8]. Group 3: Case Study of Baoshang Bank - The risk disposal of Baoshang Bank is highlighted as a landmark case, demonstrating the effectiveness of the deposit insurance system in protecting depositors' interests during the bank's bankruptcy proceedings [3][4]. - The case marked a significant breakthrough in the market exit of commercial banks, showcasing a successful model for risk management and resolution [4][6]. Group 4: Future Directions - The People's Bank of China emphasizes the need to leverage technology to enhance the effectiveness of the deposit insurance system and to engage in international cooperation for better financial governance [2][6]. - Experts advocate for continuous learning from risk disposal experiences to improve the financial system's resilience and to refine the backup funding sources for the deposit insurance fund [8].

Core Viewpoint - The discussion at the expert seminar organized by the People's Bank of China focused on enhancing the deposit insurance system to ensure the safety of deposits and the stability of banks, reflecting on nearly ten years of experience since the implementation of the Deposit Insurance Regulations in 2015 [1][2]. Group 1: Deposit Insurance System Overview - The deposit insurance system has provided a safety net for depositors, with a maximum compensation limit of 500,000 yuan, ensuring full protection for over 99% of depositors [2]. - The system has actively performed core functions such as risk monitoring, prevention of bank runs, differentiated premium rates, early correction, and risk disposal, thereby strengthening public confidence in the banking system [2][3]. Group 2: Impact on Financial Stability - The deposit insurance system has played a crucial role in maintaining the stability and fairness of the Chinese financial industry, benefiting both small and large banks equally [4]. - Since the implementation of the deposit insurance system, the deposit structure among large, medium, and small banks has remained stable, with an increasing share of deposits in small banks [4]. Group 3: Early Correction and Risk Management - The deposit insurance fund management has been effective in stabilizing public confidence, with the People's Bank of China managing the fund and enhancing its risk monitoring and early correction capabilities [3][5]. - As of the end of 2024, there are 3,761 insured institutions under the deposit insurance scheme, with risk warnings and early correction measures applied to 1,600 institutions [5]. Group 4: Future Enhancements - Experts suggested expanding the funding sources for the deposit insurance fund and improving the efficiency of fund utilization while ensuring safety [7]. - There is a call for enhancing the legal framework surrounding the deposit insurance system, including revisions to relevant laws to strengthen its foundation [7]. - The importance of technology and international cooperation in enhancing the effectiveness of the deposit insurance system was emphasized [7].

智通财经4月29日电，从中国人民银行了解到，《存款保险条例》施行十年来，我国存款保险机制运行 良好，核心功能逐步凸显，存款保障水平保持高位，始终能为99%以上的存款人提供全额保障。据了 解，存款保险基金累计归集保费3732亿元，可有力支持重点机构的风险处置。我国存款保险制度自1993 年开始酝酿，并于2015年5月正式施行《存款保险条例》。存款保险是指国家通过宣布对公众的存款提 供明确的法律保障，提升公众信心，保障公众存款安全。 (央视新闻) 《存款保险条例》施行十年来累计归集保费3732亿元 ...

2015年5月1日，《存款保险条例》施行，标志着我国存款保险制度正式建立。2025年5月1日，存款保险 制度即将迎来十周年。回顾过去十年的发展，存款保险制度取得显著成绩，截至2024年末，我国存款保 险共有3761家投保机构，累计归集资金3732亿元。 "过去十年，存款保险制度的初心使命没有改变，守正创新使命没有改变。存款保险制度依法保护存款 人的合法权益，为我国99%以上的存款人提供全额保障，显著高于国际平均水平，守护了人民群众 的'钱袋子'。"中国人民银行（以下简称"央行"）副行长陆磊在近日召开的"构建新时代更加强健有效的 金融安全网——《存款保险条例》施行十周年"专家座谈会上如是说。 座谈会上，来自立法工作部门、司法机关、商业银行、高校、学会等单位的专家代表作了发言，从总结 存款保险制度实施10年经验、展望未来制度发展等角度为完善我国存款保险制度建言献策。 存款保险就是对储户的一份存款保障。但它不是商业保险，而是由商业银行缴纳保费，储户并不承担任 何费用。被保险存款包括投保机构吸收的人民币存款和外币存款。对储户来说，在单家投保机构存放的 存款中，最高偿付限额为人民币50万元。 以制度保障增强 储户信心和 ...

Group 1 - The core issue is the increasing number of bank bankruptcies and dissolutions, with 195 small and medium-sized banks announcing closures in 2024 alone. Four banks are under scrutiny for potential dissolution, restructuring, or acquisition due to their inability to meet regulatory minimum requirements [1][4]. - The four banks have non-performing loan ratios ranging from 5.9% to 8.7%, significantly higher than the industry average of 1.8%. Additionally, their capital adequacy ratios are consistently below regulatory standards, with one bank reporting a capital adequacy ratio of only 4.3% as of the end of 2024 [4]. Group 2 - The deposit insurance system in China guarantees full compensation for deposits up to 500,000 yuan in the event of a bank's bankruptcy. Deposits exceeding this amount will be compensated based on the liquidation of the bank's assets and liabilities [6]. - It is recommended that depositors diversify their savings across multiple banks, ensuring that no single bank holds more than 500,000 yuan to safeguard their funds [6]. Group 3 - The safest deposits are found in the six major state-owned banks, although they offer lower interest rates. In contrast, small and medium-sized banks provide higher interest rates but come with increased risk [8]. - Depositors are advised to consider placing their funds in joint-stock banks, which offer a balance of better safety compared to small banks and higher interest rates than state-owned banks [8]. Group 4 - Many small and medium-sized banks attract deposits through high-interest rates, which can deviate significantly from market averages. For instance, if a small bank offers a 3-year deposit rate of 2.85% compared to the state-owned bank's 1.9%, this could indicate potential risk [10]. - High-yield investments associated with these deposits may lead to liquidity crises if the investments do not perform well, jeopardizing deposit safety [10]. Group 5 - It is crucial for depositors to verify whether a bank participates in the deposit insurance scheme, as only 4,066 out of over 4,600 banks in China are enrolled. Deposits in banks not covered by this insurance will not be compensated in the event of bankruptcy, even if they are below the 500,000 yuan threshold [13].

"以前曾以为银行要是倒闭了，存款肯定就打水漂了，现在听了银行的讲解，才知道50万元以内存款全 额赔付，心里踏实多了！"65岁的陈大妈笑着竖起大拇指。这是浙商银行合肥分行存款保险"五进"系列 宣传活动中的一幕。 网点就是宣传站，全辖6家网点变身"存款保险宣传前哨"。该分行不定期开展辖内营业网点标识使用管 理及存保问题手册推广工作自查，通过对网点营业人员存保手册内容掌握情况进行抽查，确保营业人员 对存款保险知识基本掌握、准确应答。同时，分行要求辖内所有营业网点，结合手册的内容将存款保险 的宣传贯穿至日常业务办理流程中，大堂经理在利用客户等候时间详细介绍存款保险定义、保障范围、 偿付限额、偿付流程等知识，全面提升客户对政策的知晓率和覆盖率。 浙商银行合肥分行：加强存款保险知识宣传，增强 公众对金融机构信任感 转自：新华财经 编辑：穆皓 落实重点宣传项目，确保"五进"活动接地气。该行宣讲员走进企业，通过设立咨询台、集中发放宣传资 料、面对面讲解宣传的方式，用通俗易懂的话语，为企业财务和员工讲解了存款保险制度内涵、保障范 围；走进工地，开展面向农民工的存款保险宣传活动，结合他们日常的工资存取需求，详细解读了存款 保险对 ...