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 ...

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 ...