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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.

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