Want to there is the bank that register in the Central Bank only, deposit suffers " deposit insurance byelaw " protection, nonexistent not the circumstance of compensate, because every deposit money,the orgnaization wants kind of finance to put absorption bank savings into the Central Bank according to certain proportion, call deposit reserve.
" deposit insurance byelaw " regulation: Deposit is sure to execute limitation liquidate, top pay limitation is a RMB 500 thousand yuan. Depositor is cast in same home protect an orgnaization the capital total of all accrual that be mixed by the deposit of insurance deposit account is in of less than of top pay limitation, execute sum liquidate; to exceed the share of top pay limitation, lawfully from cast countervail suffers in protecting an orgnaization to liquidate property.
And deposit reserve has two functions: One, make sure the client extracts deposit; 2, for capital liquidation prepares. That is to say, deposit assures to be able to be taken in 500 thousand the following capital, it is the deposit reserve that because of its financing source puts in the Central Bank namely.
If the bank closes down, so exceed 500 thousand part to pay in order to liquidate a result according to scale compensate. Suggest so everybody, best when capital exceeds 500 thousand cent becomes two banks or much home bank is stocked.
Network merchant bank is same also, belong a bank, inspect getting silver can be superintended, the deposit that its draw also should be put into the Central Bank according to certain proportion, capital also suffers " deposit insurance byelaw " protection.
But, hope everybody is cleared up, the Yu Libao of network merchant bank is fund of a money, belong to product of conduct financial transactions, do not attribute bank savings, it is not to suffer " deposit insurance byelaw " of protection.
Simple for, " deposit insurance byelaw " guarantee deposit only, do not ensure the product such as conduct financial transactions, insurance, and the product of conduct financial transactions of network merchant bank is not ensured.
Of course we also need not suffer from imaginary fears, unless arrived severe financial crisis or dispute of chaos caused by war, the bank just can have the risk that goes bankrupt to be take-overed.
But we also should note this kind of risk appropriately, although the place is medium small bank often interest is higher, but once appear the bad Zhang of a huge sum, be under a run on a bank is easy endowment not pay a debt in kind or by labour and go bankrupt.
Small finance expresses, , the product of conduct financial transactions of the bank and structural sex deposit are absent suffer deposit insurance system to protect. Former had protected this protecting to cease no longer now, latter follows bank time deposit same, capital has safeguard.
Editor-in-charge Piao Henry
