青岛市银行机构正式启用存款保险标识
11月28日上午,青岛工商银行青岛市分行在市南二支行举行存款保险标识启用仪式,市银式启识人民银行青岛市中心支行副行长顾延善,行机险标工商银行青岛市分行党委书记蔡谦、构正副行长孙伟出席启用仪式并为存款保险标识揭牌。用存
按照统一部署,款保中国人民银行授权参加存款保险的青岛金融机构使用存款保险标识。今天青岛市全市54家银行2千多个网点全部启用存款保险标识,市银式启识这意味着这些银行机构吸收的行机险标本外币存款均受到国家立法的保障,市民在挂牌银行的构正本外币存款在法定额度内全额偿付。存款保险标识具有直观、用存醒目、款保公信力强的青岛特点,有助于广大储户更加方便地识别参加存款保险的市银式启识金融机构,更好地了解其存款受到国家存款保险制度的行机险标保障权益。参加存款保险的金融机构名单可在中国人民银行网站查询。
2015年国务院颁布了《存款保险条例》,自2015年5月1日起实施。五年来,存款保险制度实施顺利,成效初显。存款保险在保障存款人权益、增强公众信心、强化风险约束、促进银行业健康发展方面的作用逐步显现。
存款保险制度保护了存款人的权益。《存款保险条例》规定,我国存款保险覆盖所有吸收存款的银行业金融机构,包括在我国境内依法设立的具有法人资格的商业银行、农村合作银行、农村信用合作社等。同时存款保险覆盖存款类金融机构吸收的人民币存款和外币存款,既包括个人储蓄存款,也包括企业及其他单位存款,本金和利息都属于被保险存款的范围。总体上看,我国存款保险能够为全部投保机构99%以上的存款人提供全额保障,大大高于国际平均水平,可以给予存款人充分保护。
存款保险制度提升了银行体系的稳定性。2015年制度实施以来,存款保险对存款人的保障水平持续保持在高位,促进了银行业健康稳定发展,为大、中、小银行创造公平竞争和稳健经营的环境。五年来,银行业存款格局总体保持稳定,中小银行存款占比持续上升。
使用存款保险标识是实施存款保险制度的一项重要内容,也是国际上的通行做法。根据存款保险实施工作安排,中国人民银行授权参加存款保险的金融机构使用存款保险标识,将进一步提升公众对存款保险制度的认知,更好地保护存款人和参加存款保险的金融机构的合法权益,促进银行体系健康稳定运行。
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