（原标题：加纳央行拟出台新规强化非银行业务监管） 央行表示，此举旨在确保行业稳定、防范货币与流动性风险，并增强该行业运营机构的韧性。根据 该框架，加纳央行将公布最低资本门槛和申请费用，适用机构范围涵盖开发性金融机构、微型金融公司 及农村银行等。机构只有在缴清规定的许可费用后，才能获得最终运营牌照；所有运营商须于每年1月 31日前缴纳年度监管费。此外，加纳央行保留在必要时施加额外资本缓冲的自由裁量权。 据"城市新闻网"12月9日报道，为加强对非银行业务的监管，加纳央行近日推出一系列审慎监管新 规草案并公开征求意见。根据草案，外资银行及专业存款机构需满足更高的资本质量要求，其最低实缴 资本中至少有60%必须以可兑换外币形式注入，且该部分资本必须严格投放于符合伊斯兰教法的金融工 具。 ...

Core Viewpoint - The article discusses the innovative regulatory model implemented by the Liaocheng Market Supervision Administration, focusing on "risk prevention" and "sustained support" during periods of business fluctuation and adjustment, emphasizing a balanced approach to enforcement that combines punishment with guidance. Group 1: Regulatory Innovations - The "Three Letters Delivered Together" initiative upgrades the previous "Two Letters Delivered Together" model, now including an Administrative Penalty Decision Letter, Compliance Suggestion Letter, and Credit Repair Notification Letter, promoting a combination of punishment and education [1] - Over 800 compliance suggestion letters have been issued to proactively prevent and reduce violations [1] Group 2: Credit Repair Initiatives - The credit repair reform has streamlined the process, reducing application materials by over 60% and increasing processing efficiency by 80%, with 21,383 credit repair cases handled, helping 11,213 market entities return to normal operations [2][3] Group 3: Post-Penalty Follow-Up - A regular follow-up mechanism has been established for enterprises that have received administrative penalties, with 40 companies visited this year to assist in identifying violations and ensuring compliance [3] - The "No Penalty List" system has benefited 154 market entities, with a total of 8.07 million yuan in penalties waived, reflecting a tolerant and prudent regulatory philosophy [3]

Core Viewpoint - The article emphasizes the importance of the deposit insurance system as a crucial component of financial security in China, highlighting its role in maintaining financial stability and protecting depositors' interests, particularly in the context of its ten-year implementation since 2015 [1][4]. Summary by Sections Deposit Insurance Pricing Mechanism - The book systematically studies the deposit insurance pricing issue from three dimensions: regulatory penalties, interval pricing, and macroeconomic policy considerations. It introduces a tolerance coefficient into Merton's classic model, showing that increased regulatory penalties lead to lower risk preferences among banks and subsequently lower deposit insurance rates [1][2]. - The research also incorporates fuzzy mathematics into the deposit insurance pricing model, demonstrating the theoretical significance and practical necessity of interval pricing, ultimately deriving deposit insurance prices based on triangular intuition fuzzy numbers [1][2]. - The impact of tax reduction policies on the real economy and financial sector is analyzed, revealing that a decrease in income tax rates leads to lower deposit insurance premiums, with empirical evidence indicating that higher bank income tax rates increase risk-taking and thus raise deposit insurance rates [1][2]. Risk Effects of Deposit Insurance System - The study investigates the impact of the deposit insurance system on banks' risk-taking behavior through four dimensions: the influence mechanism, differentiated rates, early corrective actions, and prudent regulatory policies. It finds that the implementation of the deposit insurance system effectively reduces risk-taking levels among small and medium-sized banks [2][3]. - The research expands on classic theoretical models, proving that differentiated deposit insurance rates have a suppressive effect on banks' risk-taking, particularly in the context of rural commercial banks' reforms [2][3]. - The book constructs indicators to characterize the early corrective actions of the deposit insurance system, confirming its effectiveness in early risk correction through unique data on real deposit insurance rates for small and medium-sized banks [2][3]. Policy Recommendations for Improvement - The author proposes four policy recommendations to enhance China's deposit insurance system: accelerating the legislation of the Deposit Insurance Law to improve its role and independence; strengthening regulatory collaboration to enhance efficiency; establishing a financial firewall between small and large banks to reinforce oversight; and utilizing big data to improve risk management and public supervision mechanisms [3][4]. Overall Assessment - The book presents a comprehensive study of the deposit insurance pricing mechanism and the effects of the deposit insurance system, characterized by a framework that integrates empirical facts, pricing mechanisms, risk effects, and mechanism design. It effectively combines theoretical and empirical research, addressing both pricing mechanisms and risk effects in detail [4][5]. - The theoretical contributions include integrating prudent regulation and macroeconomic policies into deposit insurance pricing models, enriching the theoretical landscape of deposit insurance [4][5]. - The empirical focus on small and medium-sized banks provides valuable insights into the effects of the deposit insurance system, offering a scientific evaluation that can inform future improvements [4][5].