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银行“大而不倒”的原则依然有效5月1日,《存款保险条例》正式施行,20多年来酝酿的存款保险制度终于落地。人民币50万元以下的储户存款将享受存款保险基金的保障,在银行破产时不会发生清偿风险。存款保险制度的落地将过去对银行“隐性担保”的公开秘密转为显性、有额度的担保机制,不失为一个进步,但需要承认的是,短期内制度的利好作用有限。“存款保险制度对任何国家来说都是一个必
On May 1, the ”Deposit Insurance Ordinance“ came into effect. The deposit insurance system that has been brewing for more than 20 years has finally landed. Savings of deposits below RMB500,000 will be covered by the deposit insurance fund and no risk of liquidation will occur during the bankruptcy of the bank. The introduction of the deposit insurance system In the past, turning the open secret of the bank’s ”hidden guarantee“ into a dominant and quota guarantee mechanism was an improvement. However, it should be admitted that the positive effect of the system in the short term is limited. ”The deposit insurance system is a must for any country