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Recently, the bank that include business appears serious credit risk, be take-overed one year with the silver-colored meeting that keep watch by the Central Bank. Be like the bank of huge rock firmly it seems that, in imagining actually so safe.
Home appears last time bank crisis still was 1998, hainan develops a bank at that time by be a burden on of place of bubble of Hainan real estate, hold water mere 3 years with respect to get into trouble, the cue since a large number of panicky depositor platoons takes a money, it is under the many sided pressure such as crisis of a run on a bank, must close down finally liquidation.
After this bag merchant bank is immersed in the crisis, upgrade to avoid to produce a run on a bank to cause a risk, the Central Bank was carried out with the silver-colored meeting that keep watch take-over, announce " safeguard of sum of principal and interest of individual deposit deposit, the individual accesses freedom " . Although individual bank savings got safe safeguard, but broke rigid cash to company business, "Pair of fair deposit of 50 million yuan of above and a person of same business are indebted, by take-over group and creditor equality talk things over " .
Graph | Visual China
Add as Chinese economy fast put delay, bank assets quality is exasperate, future still can appear possibly the bank that include business and sea issue such bank crisis incident. To most Everyman, what care most still is, if the bank goes broke really,closed down, can our deposit have a risk?
Look in a lot of people, bank deposit is 100% safety, although the bank closes down, the government also can appear personally reveal all the details, include merchant bank occurrence crisis this for instance, and the sea 20 years ago is issued go bankrupt close down, the government assured the safety that the individual deposits money, need not worry about occurrence risk of individual bank savings so. But the fact is not such, the deposit that we are in a bank is not actually 100 percent safe.
The same day that merchant bank is take-overed is included in this, the Central Bank established company of fund of insurance of a deposit, scope of operations includes " have the investment such as equity, creditor's rights, fund; Manage deposit insurance fund to concern asset lawfully " etc. Of this company hold water and wrap merchant bank to be take-overed to happen in same day, this is by no means accidental, the information that releases external is, the depositor deposit of prospective bank wants according to commercialize means to deal with, the country won't have unprincipled disclose the whole inside story.
How to understand the company of fund of this deposit insurance that just establishs? This should speak of from 2015, in those days, our country rolled out " deposit insurance byelaw " , pay insurance cost by domestic bank, form deposit insurance fund, administration of deposit insurance fund to depositor satisfaction of a claim. Establish the main purpose of deposit insurance fund, it is will long-term since the country is right of deposit recessive assure, turn to be sure for what commercialize means, informal understanding is the responsibility that the government deposits money to depositor " swing boiler " , if the bank appears cash crisis, by deposit insurance fund compensates for depositor.
Long-term since, the country gave to bank deposit recessive assure, assure in national credit below, depositor deposit basically is 0 risks, but this kind assures means is to encourage a bank to ignore a risk actually, take more radical management kind, if have an accident, have governmental disclose the whole inside story anyway, be equivalent to all taxpayer buying sheet finally, use the means that national credit assures so, cause the moral risk of the bank very easily, below such setting, our country built deposit insurance system 2015, the country gives to depositor deposit no longer recessive assure.
According to " deposit insurance byelaw " regulation, deposit is sure to execute limitation liquidate, top pay limitation is a RMB 500 thousand yuan. This also is meant, if you exceed 500 thousand yuan in the deposit of a bank, and just this bank misfortune goes bankrupt close down, you can of recapture have 500 thousand yuan only at most, do not be sure to cover range in deposit partly more than in. If the bank still has odd capital fund after final liquidation, can suffer countervail partly from which. So, the country is recessive assure after exiting, in deposit insurance system falls, if want to ensure deposit is completely safe, the deposit that the most reliable method is in a bank namely does not exceed 500 thousand yuan.
Additionally notable is, cast the branch that maintains an orgnaization to be established outside our country condition, and the branch that foreign bank establishs in our country churchyard is not applicable deposit insurance byelaw. Namely if be in,the deposit of these two kinds of banks appears cash crisis, not be in 500 thousand yuan insurance limits.
As to the liquidate upper limit that why can you establish 500 thousand yuan? Concerned branch the explanation at that time is -- look from international, top pay limitation is gross domestic product of average per capita commonly 2 to 5 times, 500 thousand yuan are about in those days 12 times of GDP of our country average per capita, the safeguard level of most nation of prep above world, can provide sum protection for the depositor of 99.63% . 500 thousand yuan limitation also is not changeless, future can inspect a condition timely adjust.
Graph | Pixabay
After deposit insurance system is built, the bank begins pay insurance cost, up to last year year end, the orgnaization dealt with the bank finance that the whole nation shares many 4000 to draw deposit to cast maintain procedures, deposit insurance fund only door remaining sum 82.1 billion yuan, did not happen defray and use. Because a few years our country banking did not produce too big crisis event in the past, deposit is so safe of the system moving also is billows not Jing.
But after the bank that include business is immersed in the crisis, become silent long already deposit insurance system gives off big move suddenly also, including the same day that merchant bank is take-overed, the Central Bank announces to establish company of deposit insurance fund, main purpose is to promote what deposit is sure to run administrative levels, better the solvency that strengthens pair of depositor deposit. Before this, orgnaization of deposit insurance fund is the orgnaization of a subordinate of bureau of stability of Central Bank finance, after establishing a company this alone, deposit insurance fund will regard orgnaization of independent legal person as operation. Of deposit insurance fund run upgrade abruptly, also be superintendency layer nose apparently dangerous signal, begin to elevate a risk the level that be on guard against a rainy day.
Add as Chinese economy fast put delay, the probability that bad assets rises also adds the bank subsequently, especially the city commercial firm with a few lesser dimensions and farming commercial firm, the risk is opposite more outstanding, according to appear on the market the bank announces annals was mixed last year money signs up for first quarter this year, city commercial firm and farming the fraction defective of commercial firm rises apparently, the bank including business that is take-overed this belongs to city commercial firm. And more acid is, the bank that include business once still was concerned the branch is judged it is one of city trading company with the smallest risk. The smallest bank that include business is take-overed even the risk, how many landmine did other city commercial firm still conceal?
Not come singly but in pairs, of get into trouble do not include merchant bank only, the near future of bank of bright and beautiful state that appears on the market in Hong Kong encounters a trouble as much. Bank of bright and beautiful state should be in originally release before March 31 this year go signing up for year after year, the result adjourns after two months, heretofore still difficult labor, industry guesses a reason should be bad assets rises considerably be caused by. According to the regulation, the commercial bank that issues financial bond in home also should be in annual report is published every year before April 30, the annual report that also has many 10 bank at present was not announced on schedule.
In the developed country, the bank goes broke closing down is very common thing actually, the United States second during borrowing the crisis, a large number of banks go bankrupt close down. To China, the incident that the bank goes broke has appeared 20 years ago, future is added as Chinese economy fast put delay, appear it is not strange also that more banks close down.
The last few years, our country money market is breaking the belief of rigid cash ceaselessly, incident of break a contact has comparatived general, morning and evening one day, individual bank savings also can break rigid cash. The Central Bank establishs company of deposit insurance fund recently, had released actually intense and clear signal, to the individual, the bank deposit that also needs to be oneself ahead of schedule does good risk to be on guard, like if still resemble,going, think the government will be right oneself deposit safety is responsible, it is breakneck actually idea.
