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从长期来看,存款保险制度将促进银行业的良性竞争和差异化经营,有利于银行业转型升级和可持续发展存款保险制度是保护存款人利益的重要制度安排,与中央银行最后贷款人职能、审慎监管同为构建金融安全网的三大基本组成要素。2015年5月1日,我国新颁布的《存款保险条例》(以下简称《条例》)正式实施。《条例》既涵盖保护存款人的相关条款,也涵盖事前早期纠正、事后风险处置等重要内容,有利于最大限度保护存款人利
In the long run, the deposit insurance system will promote healthy competition and differentiated banking operations, which is conducive to the banking industry’s transformation and upgrading and sustainable development. Deposit insurance system is an important institutional arrangement to protect the interests of depositors, and the final lender function of the Central Bank Prudential regulation is the same as the three basic components of building a financial safety net. May 1, 2015, China’s newly enacted “Deposit Insurance Ordinance” (hereinafter referred to as “Ordinance”) was officially implemented. The “Regulations” cover not only the relevant provisions for the protection of depositors, but also important contents such as early rectification in advance and risk disposal afterwards, which are conducive to maximizing the protection of depositors