聊城市市场监管局在企业发展的波动期与调整期，聚焦"防风险"与"善始终"，创新推行以"三书同达""信用修复""罚后回访"为核心的审慎监管模式，让执 法既有力度又不失温度。 升级"三书同达"，实现执法与指导同步。将原有的"两书同达"升级为"三书同达"，即在送达《行政处罚决定书》时，同步送达《行政合规建议书》和《信 用修复告知书》。这一举措变"一罚了之"为"惩教结合"，在依法处罚的同时，主动告知企业"如何避免失信"和"如何修复信用"，引导市场主体主动纠错、 合规经营。截至目前，已累计制发合规建议书800余份，从源头预防和减少违法违规行为。 | ■ 首页 | | 企业信息填报 | ■ 信息公告 | (1) 使用帮助 | 明格 | | | --- | --- | --- | --- | --- | --- | --- | | | | THERER 200 200 11 | | | | | | | | Enterprise Credit Information Publicity System | | | | | | ( 2025年10月10日 | | 【 # # 2003 | | | 因 明出型家 | | | | | ...

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].