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银行破产,这个听起来很遥远的词汇,最近成了国内金融界的热门话题。2013年底,银监会副主席阎庆民表示,银监会正在酝酿加快推出银行破产条例:“未来要让市场说话、让资本说话,如果商业银行最后资不抵债,就会退出。”这话是什么意思呢?通俗理解就是,国家不再为储户在商业银行的存款兜底,允许银行破产倒闭,一旦有银行破产,储户的存款将由存款保险机构赔偿,但赔偿有一定限额。根据目前透露的消息,储户在单个银行的存款,最大赔付额度可能是50万元,超过这一限额的存
The bankruptcy, a term that sounds distant, has recently become a hot topic in the domestic financial community. Yan Qingmin, vice chairman of the China Banking Regulatory Commission, said at the end of 2013 that the CBRC is preparing to expedite the introduction of bankruptcy regulations: “In the future, we must allow the market to speak and capital to withdraw, and if commercial banks ultimately insolvent, they will exit.” ? It is generally understood that the state no longer reserves the depositors ’deposits in commercial banks and allows banks to go bankrupt. In the event of a bankruptcy, depositors’ deposits will be compensated by deposit insurance institutions with a certain amount of compensation. According to the information disclosed so far, depositors in a single bank deposit, the maximum amount of compensation may be 500,000 yuan, more than the limit of the deposit