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2014年11月30日,国务院正式发布了《存款保险条例(征求意见稿)》,存款保险方案也已获国务院通过,中国版存保制度呼之欲出。议而不决20多年的存款保险制度迅速落地,尽管知道是早晚的事儿,但是对于业界来说,还是有些风乍起,搅动一池春水的突然。作为存款保险制度的制定者,央行认为中国版存保制度考虑了中国的国情,覆盖面广、偿付额高,并且营造了有利于中小银行机构公平发展的环境。
On November 30, 2014, the State Council formally released the “Deposit Insurance Regulations (Draft for Comment),” and the deposit insurance plan has also been approved by the State Council. The Chinese version of the deposit insurance system is almost certain. However, the deposit insurance system which has been unconfirmed for more than 20 years has rapidly landed. Although it is sooner or later known to the public, there are still some winds that stir the turmoil in the industry. As the maker of the deposit insurance system, the central bank believes that the Chinese version of the deposit insurance system takes into consideration China’s national conditions, has a wide coverage and high reimbursement, and has created an environment conducive to the fair development of small and medium-sized banking institutions.