金融之"根"，只有深植于民生土壤，才能蓬勃茁壮；金融之"脉"，只有与消费者权益同频跃动，才能愈发强健。近日，一场场由兴业银行北京分行举办的面 向不同群体、深入多元场景的消费者权益保护宣传活动正温暖而有力地落地生根——从医院门诊到市集巷口，从社区课堂到百姓身边，该行以"金融为民"为 底色、用实际行动诠释"消保为民"的责任与温度。 门诊大厅里的"防诈课堂"：守护医患金融安全 不少赶集的民众纷纷放下菜篮，认真聆听。"咱们辛苦挣来的钱，可不能因为一个电话、一条短信就没了！"一位大姐边接过宣传册边点头说道。 "以前真没想过，看病过程中还有这么多金融陷阱。"一位候诊的患者在听完兴业银行工作人员的讲解后感叹道。近日，兴业银行自贸试验区国际商务服务片 区支行走进属地医院，在门诊大厅开设起一场别开生面的"防诈课"。 宣传展台前，支行工作人员结合"冒充医务人员""医保退费""虚假就医报销"等高发诈骗类型，用一个个真实案例拆解诈骗手法，引来不少患者家属和医护人 员的驻足。"我们每天接触大量患者，但很少意识到金融风险就在身边。"一位年轻的护士说道，"这样的科普非常及时、实用！" 活动现场，银行工作人员还普及《消费者权益保护法》要点， ...

Core Viewpoint - The deposit insurance system in Sichuan has been effectively implemented over the past decade, enhancing the overall financial safety net and contributing to high-quality economic and financial development in the province [1][2] Group 1: Deposit Insurance System Performance - The deposit insurance system has achieved full coverage in over 30,000 administrative villages and communities across 183 counties and cities in Sichuan, leading to a steady increase in public awareness of the system [1] - By the end of 2024, the deposit insurance system's maximum compensation limit of 500,000 yuan will provide full protection for approximately 99% of depositors in Sichuan [1] - From 2015 to 2024, Sichuan's GDP grew by 113.23%, while the scale of loans and deposits in financial institutions increased by 123.13% and 203.81%, respectively [1] Group 2: Public Awareness and Education Initiatives - The People's Bank of China in Sichuan has established a mechanism for continuous improvement of deposit insurance publicity, integrating it into public education and financial support for rural revitalization [2] - There are 19,000 bank outlets in the province that serve as primary venues for deposit insurance promotion, ensuring comprehensive integration into banking processes [2] - A multi-dimensional publicity system has been created, utilizing local government websites, authoritative media, and social media platforms to enhance the understanding of deposit insurance policies [2] Group 3: Targeted Outreach and Cultural Integration - Focused efforts are made to promote deposit insurance in key areas and among specific demographics, including the elderly and youth, through community initiatives and educational programs [2] - The promotion of deposit insurance knowledge is integrated with local cultural resources, enhancing its appeal and reach through events like the Mianyang International Science and Technology Expo and the Luzhou International Wine Industry Expo [2] - A new model combining professional competitions with public outreach has been explored, exemplified by a skills competition aimed at improving the quality of deposit insurance promotion across the province [2]

Core Viewpoint - The increasing trend of Chinese residents saving money in banks is driven by economic uncertainties and the perceived risks associated with higher-yield investment products, leading to a significant rise in bank deposits. Group 1: Deposit Trends - In the first quarter of 2025, new bank deposits from residents reached 9.22 trillion yuan, reflecting a strong preference for saving due to concerns over unemployment and health issues [1] - The decline in deposit interest rates has been notable, with the three-year deposit rate dropping from 3.05% to 1.8%, a decrease of over 40% [5] Group 2: New Banking Regulations - Four new banking regulations have been introduced that could impact depositors: 1. Continuous decline in deposit interest rates [3] 2. Occurrence of inverted deposit rates, where shorter-term rates exceed longer-term rates [6][10] 3. Decrease in the availability of large-denomination certificates of deposit [12] 4. Upgrade of the deposit insurance system, now providing full compensation for amounts below 500,000 yuan, with a proportional payout for amounts above [14] Group 3: Implications for Depositors - Depositors are advised to diversify their savings across multiple banks to mitigate risks associated with the new insurance limits, ensuring that deposits plus interest do not exceed 500,000 yuan per bank [14] - It is recommended to opt for shorter-term deposits (1-2 years) to maintain liquidity while still benefiting from relatively higher interest rates [14] - Preference for joint-stock banks is suggested, as they typically offer higher deposit rates compared to state-owned banks while maintaining better safety than rural banks [14]

Core Viewpoint - The deposit insurance system has played a crucial role in protecting depositors' rights and maintaining financial stability over the past ten years, with ongoing efforts to enhance public awareness and understanding of the system [1] Group 1: Public Awareness Initiatives - The bank has launched a campaign titled "Ten Years of Deposit Insurance, Protecting Thousands of Families" to improve public knowledge about deposit insurance through various channels since May [1] - The bank organized teams to engage directly with communities and business districts, providing face-to-face consultations and distributing informational materials about the scope and limits of deposit insurance [2] - Interactive activities, such as quizzes with small prizes, were implemented to encourage community participation and deepen understanding of deposit insurance [2] Group 2: Innovative Communication Strategies - The bank utilized social media and customer group channels to disseminate a special promotional video and infographics about the deposit insurance system, making the information accessible and engaging [3] - Employees were encouraged to share these materials to broaden the reach and ensure more customers are informed about the protective role of deposit insurance [3] Group 3: Strengthening Public Recognition - The bank established its branches as primary venues for deposit insurance promotion, featuring displays, brochures, and videos to educate customers, particularly targeting the elderly demographic [4] - The promotional activities adopted a comprehensive approach, combining online and offline methods to enhance the effectiveness of the educational outreach [4] - The bank plans to continue its social responsibility efforts by innovating promotional formats to ensure the deposit insurance system benefits a wider audience and contributes to financial stability [4]

Core Viewpoint - The event organized by China Minsheng Bank's Jinan branch successfully enhanced employees' understanding of the deposit insurance system and financial risk awareness through targeted educational activities [1][2][3] Group 1: Event Overview - The bank set up a dedicated promotional point at the enterprise, displaying well-designed exhibition boards covering key aspects of the deposit insurance system, including an overview, coverage, and compensation standards [1] - Sufficient promotional materials, such as brochures and leaflets, were provided for employees to read [1] Group 2: Educational Activities - Professional staff conducted focused presentations across various departments, explaining the essence of the deposit insurance system and its role in safeguarding depositors' funds [2] - Real-life scenarios of potential financial risks faced by enterprises were analyzed, highlighting the deposit insurance system as a "safety net" [2] - A dedicated Q&A session was held to address employees' inquiries about the deposit insurance system, ensuring comprehensive understanding [2] Group 3: Impact and Future Plans - Over 80 brochures were distributed, and more than 80 employees participated, significantly improving their awareness of the deposit insurance system [3] - Many employees expressed that they previously had misunderstandings about the system but now recognize its effective protective role, increasing their confidence in the safety of bank deposits [3] - The bank plans to continue diverse financial knowledge promotion activities to expand the reach and impact of financial education [3]

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]

Core Viewpoint - The establishment and implementation of the deposit insurance system in China over the past decade have significantly contributed to financial stability, with a focus on risk prevention, early correction, and effective risk disposal [1][8]. Group 1: Implementation and Management - Since 2015, the People's Bank of China has established a dedicated account for the deposit insurance fund, ensuring its safety through separate management [2]. - The deposit insurance system has provided full protection for over 99% of depositors with a compensation limit of 500,000 yuan [2][5]. - The system has enhanced public confidence in the banking sector, particularly benefiting small and medium-sized banks [2]. Group 2: Risk Management and Early Correction - The deposit insurance system adopts a "risk minimization" model, allowing for participation in the entire process of risk prevention, resolution, and disposal [3][4]. - Since 2016, the fee rate mechanism has transitioned to a risk-differentiated fee rate, promoting prudent management among institutions [3]. - The system has successfully prompted over 600 institutions to take corrective measures to mitigate risks [3]. Group 3: Professional Risk Disposal - The deposit insurance fund has been involved in risk disposal since 2019, successfully managing cases such as Baoshang Bank [3][5]. - The approach of "takeover + acquisition + bankruptcy liquidation" has been effectively implemented, ensuring depositor rights and maintaining market discipline [5]. - The system's design allows for a balance between protecting depositor rights and preventing moral hazard [5]. Group 4: Future Directions - There is a need to elevate the legislative status of the deposit insurance system to match its role as a pillar of the financial safety net [6]. - Future efforts will focus on expanding the accumulation of the deposit insurance fund and enhancing backup financing mechanisms [7]. - The financial stability bureau will continue to implement the deposit insurance functions and maintain systemic financial risk prevention [8].