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Thoughts from the establishment of the CBRC Deposit Insurance System

Insurance system should be adopted compulsory insurance means that all household savings deposits to carry out Xishou financial institution, approved by China Banking Regulatory Commission also must obtain a certificate of deposit insurance corporation underwriting, before engaging in business activities. 2. Insurance coverage, according to China Banking Regulatory Commission Chairman, at present the major regulatory CBRC 4 big state-owned banks, three major policy banks, four asset management companies, ll national joint-stock commercial banks,[link widoczny dla zalogowanych], ll0 city commercial banks, 449 urban credit cooperatives, and 35,500 rural credit cooperatives, postal savings banks, and all foreign banks operating in China and representative offices of foreign banks, all of the country's trust and investment companies, leasing companies, finance companies and its group companies in overseas subsidiaries and branches in accordance with law supervision. In these financial institutions, which need to be clearly insured financial institutions, which can not be insured. Deposit insurance system introduced by the country most of the \. China's deposit insurance should also be put in the overseas branches of domestic banks excluded. Because these institutions greatly influenced by the host country, the domestic regulatory authorities is difficult to effectively control their risk. And some overseas branches also participated in the host country deposit insurance is not necessary to participate in the domestic insurance. Second,[link widoczny dla zalogowanych], our deposit insurance system should cover all public deposits absorb financial institutions to a wide range of possible protection of depositors, especially the interests of small depositors, and banks to effectively monitor the implementation of risk behaviors, economic】; child Deposit insurance rates means the insured bank deposits in their savings as the base rate charged Qiu fees, insurance rates and risk rates for both single rate, single rate is not considered the risk profile of their insured banks, the standard rate of compensation in accordance with uniform premiums; risk and insurance rates are linked to the level of bank risk,[link widoczny dla zalogowanych], the risk level determined by the Bank billing rates, better reflect the risk of a fair rate, Gang of this, the risk of costs should also be implemented It is reported that towel indiscriminately rate system = Silver Adventist ll joint-stock commercial banks to the issue of the \, profitability, liquidity position and status of six major market risk sensitive indicators of commercial banks composite score will be divided into five grades, 80 points above the normal body; 7 (BU 80 are divided into basic normal body; 6 ( BU is divided into 70 types of institutions concerned; 50-60 divided into serious concern about such institutions; 50 minutes or less for the agency. 70 The following agencies will be different degrees of implementation of restrictive measures. \weights are as follows: capital adequacy, asset quality and profitability of 20% weight each, and management conditions accounted for 25% of the market risk sensitivity of the situation is currently only as a reference: the deposit insurance agency can refer to the risk assessment methods, and reference the world average level of deposit insurance premium rate is about 0.05% f), to be extended to the entire banking system to develop the appropriate risk rate. 4. Insurance will reduce the amount of the full insurance of bank depositors supervision thereby increasing the risk: So, now practiced in most countries non-full compensation for the part of the deposit insurance system, which is provided on a ceiling for compensation, over the limit in principle to compensation for loss of deposits. Some insurers system can make large depositors to bear part of the risk to strengthen the bank's self-discipline, so that banks adopt a more robust mode of operation and management methods. To protect the small main purpose of the interests of depositors, our deposit insurance system should be based on each depositors to give a certain percentage of deposit protection, and provides an absolute maximum limit. in accordance with our current situation, I believe that the following principles should be clear: First, to ensure that 90% of the depositors have full Peifu; the second is to protect the ratio should be 75% is appropriate; - '7 is the maximum amount determined, at least 5 years to maintain stability. taking into account the ability of insurance institutions of the debts,[link widoczny dla zalogowanych], the paper that its value can be initially set at between 5 million to l0 million. ■ ( Editor: Wang mine)
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