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2014年11月30日,国务院法制办正式公布《存款保险条例(征求意见稿)》(下称《条例》),并于2015年5月1日开始实施,存款保险制度正式浮出水面。存款保险制度正式运行后,银行设立和破产将成为“有生有死”的自然现象。其中,大型国有商业银行不仅规模庞大且具有与生俱来的国家信用,倒闭的概率很小。而且美国金融危机发生时,也印证了大型商业银行“大而不到”论断。而中小银行规模有限,并且自身更多是市场
On November 30, 2014, the Legislative Affairs Office of the State Council officially announced the “Deposit Insurance Ordinance (Draft for Comment)” (the “Regulations”) and implemented it on May 1, 2015. The deposit insurance system has officially surfaced. After the deposit insurance system is officially put into operation, bank establishment and bankruptcy will become the natural phenomenon of “life and death”. Among them, the large-scale state-owned commercial banks not only have large-scale and have innocent national credit, the probability of bankruptcy is very small. And when the U.S. financial crisis occurred, it confirmed the judgment of large commercial banks. Small and medium-sized banks are limited in size and themselves are more markets