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2014年11月30日,央行就《存款保險條例(草案)》公開徵求意見,時間為30天。該項制度的推出將在很大程度上推動利率市場化改革,有望加快實施步驟。草案顯示,存款保險制度將覆蓋至所有銀行業吸收存款類機構,包括農村合作銀行、農村信用合作。也即全部存款類機構都需要強制投保,以防發生恐慌性擠兌。其中最高賠付上限為50萬,超出部分依法從投保機構清算財產中受償。該項制度有三個作用:一是通過第三者的方式保證儲戶存款安全;二是在此
On November 30, 2014, the central bank publicly solicited opinions on the “Deposit Insurance Regulations (Draft)” for a period of 30 days. The introduction of this system will promote the market-based interest rate reform to a great extent and is expected to speed up the implementation of the steps. The draft shows that the deposit insurance system will cover all banks to attract deposit-taking institutions, including rural cooperative banks and rural credit cooperatives. That is, all depository institutions need to be compulsory to prevent panic attacks. Among them, the maximum payment limit is 500,000, which is partly compensated by the insurance institutions for liquidation according to law. The system has three functions: First, through the third party to ensure depositors deposit security; Second, here