近些年，国内老百姓都喜欢把钱存在银行里面。资料显示：2025年一季度，全国居民新增存款9.22万亿元。居民们爱存钱的原因是，当前不确定因素有很 多，大家存钱就是为了应对失业、疾病等不时之需。此外，现在股票、基金、银行理财产品等高收益品种的风险较大，弄不好会亏损本金，还不如老老实实 把钱存在银行里面，至少本金和利息是有保障的。 而面对老百姓存钱热情越来越高涨，有业内人士提出，现在银行出台4大新规，不懂可能会吃亏。它们分别是：①存款利率一降再降；②存款利率出现倒 挂；③大额存单越来越少；④存款保险制度升级。让我们一起来了解一下： 新规一：存款利率在持续下跌 现如今，银行各档存款利率在持续下跌。前些年，3年期存款利率是3.05%，现在已经跌到了1.8%，跌幅超过40%。如果之前你把10万元存入银行3年定存， 平均每年能拿到3050元利息，而现在就只能拿到1800元利息，每年的存款利息足足少了1250元。而受到存款利率下降影响最大有两类人群：①平时爱存钱的 中老年群体；②想依靠存款利息生存的群体。 导致现在存款利率持续下跌的原因主要有三个：首先，央行希望老百姓把存款拿出来，用于投资和消费，这样可以加快经济复苏步伐。再 ...

营造宣传氛围，强化公众认知 该支行将营业网点作为宣传主阵地，在厅堂内布放存款保险宣传展架、折页和海报，电子屏滚动播放宣 传标语，电视循环放映存保十周年专题视频。工作人员主动向办理业务的客户讲解存款保险知识，尤其 针对老年群体进行一对一宣导，帮助其消除对存款安全的疑虑。 此次宣传活动通过"线上+线下、集中+常态"的方式，全方位提升教育宣传质效。下一步，民生银行临 沂莒南支行将持续履行社会责任，创新宣传形式，让存款保险制度更好地惠及千家万户，为金融稳定和 百姓财产安全保驾护航。 为扩大宣传覆盖面，该行组织宣传小队走进社区和商圈，开展"存款保险知识进万家"活动。宣传队员通 过设立咨询台、发放宣传折页、现场讲解等方式，向居民和商户普及存款保险的保障范围、偿付限额等 核心内容，并针对群众关心的"存款是否安全、如何识别参保机构"等问题进行耐心解答。活动现场还设 置互动问答环节，通过趣味答题赠送小礼品的形式，吸引群众积极参与，让存款保险知识深入人心。 精准触达客户，创新宣传形式 在线上，该行充分利用客户社交群组渠道，发布存款保险十周年专题宣传视频和长图。视频以通俗易懂 的动画形式解读制度要点，长图则通过数据对比和案例展示， ...

活动当天，支行在企业内设置了专门的宣传点，摆放了精心设计的存款保险制度宣传展板，内容涵盖制 度概述、保障范围、偿付标准等关键要点，并配有简洁明了的图文示例，方便员工直观理解。同时，配 备了充足的宣传资料，包括宣传手册、折页等，供员工取阅。 为提升企业员工对存款保险制度的认知，增强金融风险防范意识，近日，中国民生银行济南建设路支行 组织支行员工走进代发企业开展普及存款保险制度宣传活动，活动取得了显著成效。 通过本次宣传活动，共发放折页80余份，普及80余人次，企业员工对存款保险制度的认知得到了显著提 升。许多员工表示，此前对这一制度完全不了解，甚至存在误解，但现在明白了存款保险制度的有效保 障作用，对银行存款的安全性有了更充分的信心。未来，该行表示将持续开展多样化的金融知识普及活 动，不断扩大金融知识宣传的覆盖面和影响力，为维护金融消费者权益做出积极贡献。 活动中，该行安排了专业人员深入企业各部门，面向不同岗位的员工开展集中宣讲。宣讲人员用通俗易 懂的语言，深入浅出地讲解了存款保险制度的本质，讲解了其对存款人资金安全的保障作用，即当银行 出现经营问题时，存款保险能够按规定进行偿付，确保符合条件的存款人的存款得到 ...

Group 1 - The core idea of the article is to enhance public awareness of deposit insurance and strengthen financial stability through a themed promotional event organized by the Guizhou branch of China CITIC Bank [1] - The event featured a unique combination of a walking activity and a deposit insurance awareness campaign, titled "Ten Years of Deposit Insurance, Building Dreams on Financial Foundations," aimed at engaging employees and the public [1] - The promotional materials were designed to be accessible and understandable, translating complex financial concepts into simple language for the general public [1] Group 2 - The Guizhou branch of China CITIC Bank plans to continue its "Finance for the People" initiative, focusing on four key demographics: the elderly, children, newcomers, and expatriates [2] - The bank aims to innovate and conduct more scenario-based educational activities that are closely aligned with people's daily lives, making financial knowledge dissemination a regular practice [2] - The goal is to contribute to regional financial security and protect the public's financial interests through enhanced community engagement [2]

Core Viewpoint - The deposit insurance system plays an irreplaceable role in safeguarding the public's finances and maintaining financial stability, with the People's Bank of China (PBOC) in Chaoyang City actively promoting awareness and understanding of this system through innovative outreach and education efforts [1] Group 1: Implementation and Outreach - Since the implementation of the Deposit Insurance Regulations in 2015, the PBOC in Chaoyang has prioritized deposit insurance promotion as a key service to the public, establishing a comprehensive outreach strategy that includes various promotional activities [2] - The bank has utilized over 500 bank branches to disseminate information through LED screens and embedded messages in transaction processes, reaching over 4.2 million depositors and sending nearly 1 million promotional text messages [2] - The bank has organized numerous themed salons and interactive events, engaging over 100,000 individuals in discussions about deposit insurance [2] Group 2: Community Engagement and Special Activities - The PBOC has integrated deposit insurance promotion with cultural and tourism activities, such as setting up booths at events and distributing promotional materials during local festivals, reaching over 20,000 visitors [3] - Over 2,500 promotional events have been conducted, benefiting more than 500,000 people and distributing over 200,000 informational materials [3] Group 3: Targeted Education and Support - The PBOC has focused on vulnerable groups, including the elderly and rural residents, by conducting tailored educational initiatives to ensure understanding of deposit insurance [4] - Activities have included visits to nursing homes and community centers, as well as financial literacy programs in universities, impacting over 10,000 students [4] - A partnership mechanism has been established in rural areas to ensure comprehensive coverage of deposit insurance education, including bilingual materials for ethnic minority communities [4] Group 4: Risk Management and Confidence Building - The PBOC has emphasized the role of deposit insurance in preventing bank runs and supporting the stable development of local small and medium-sized banks [5] - Training and assessments have been conducted to enhance the quality of the promotional workforce, with over 4,000 bank staff receiving internal training [5] - As a result of these efforts, public confidence in the banking system has significantly increased, with deposits in local small and medium-sized banks growing by 150% since 2015 [5]

文章｜《中国金融》2025年第9期 作者｜孟辉「中国人民银行金融稳定局局长」 强化风险约束，开展早期纠正。我国存款保险制度采取"风险最小化"模式，即存款保险可以参与投保机 构风险防范、化解、处置的全过程，通过事前对风险的约束来降低事后的处置成本。2016年，存款保险 费率机制从基准费率过渡到风险差别费率，将费率标准与风险水平挂钩，通过"奖优罚劣"促进机构审慎 经营。2017年以来，存款保险发挥早期纠正职能，督促投保机构采取补充资本、控制资产增长、控制重 大交易授信、降低杠杆率等措施压降风险，并将风险适时通报金融监管部门和地方政府，增强工作合 力，已累计推动600多家机构风险得到初步化解。 发挥专业优势，支持风险处置。建立存款保险制度的一个重要初衷是完善银行的市场化退出机制。自 2019年起，存款保险基金开始参与风险处置，相继支持了包商银行、辽宁省部分城商行、辽阳农商行等 机构的风险化解，存款保险的市场化、法治化、专业化金融风险处置功能日益显现。特别是在存款保险 的深度参与下，包商银行成为新中国成立以来第一例银行通过"接管+收购承接+破产清算"方式退出市 场的成功案例，在此过程中，既最大程度保障了存款人权益，又 ...