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Deposit insurance system 存款保险制度

2014年12月05日 11:52 来源于 财新网
酝酿多年的存款保险制度终于出炉,意味着中国不久以后也将拥有一套银行破产解决方案。一个银行破产了,储户的钱怎么办?会不会牵连别的银行?这些都是存款保险制度要解决的问题。
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Deposit insurance system 存款保险制度

A deposit insurance system protects depositors from losing their money in case a bank goes bankrupt. It functions about the same as insurance for individuals in that banks regularly contribute to a fund, from which money will be drawn to cover depositor losses if a bank cannot repay its debts. The system allows insolvent banks to be wound down in a controlled and orderly way with minimum impact on other financial institutions, thus keeping a failure from wreaking havoc on the financial market. This system is widely viewed as a prerequisite for a liberal interest rate regime that allows banks to decide their own deposit and lending interest rates. The central bank has been working for years to establish a deposit insurance system. A draft plan it announced in late November offered protection of up to 500,000 yuan for every person per bank.

存款保险制度让储户在银行破产的情况下避免损失。像个人保险一样,存款保险制度要求参保银行交纳保费,形成存款保险基金,当银行无法偿付债务时,储户的损失将由该基金承担。存款保险制度的存在,让破产的银行能够以可控、有序的方式倒闭,减少对其他金融机构的影响,从而避免对整个金融市场造成破坏。通常来讲,有了存款保险制度,才能放开市场,让银行自己决定存贷款利率。中国央行希望建立一个存款保险制度。它于2013年11月底公布的《存款保险条例(征求意见稿)》将同一存款人在同一家银行所有存款的偿付限额定为人民币50万元。

In the news

The People’s Bank of China published a draft plan on November 30 for establishing a deposit insurance system that will cover more than 99 percent of all deposits with banks in the country. It will apply to both yuan and foreign-currency denominated deposits and cover all deposit-taking banking financial institutions in the country.

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