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宣昌能：存款保险制度作用显现 未来对存款类金融机构约束更强

主办方：中国酒店产业综合服务平台

时 间：2024-07-07 04:43:57

地 点：北京

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详细介绍

新京报贝壳财经讯（记者姜樊 李云琦）央行副行长宣昌能11月21日在2022论坛年会上表示，将实施并改善完善存款保险制度。我国存款保险制度旨在加强对存款人的保护，推动形成市场化的风险防范和处置框架，建立维护金融稳定运行的长效机制，促进金融改革和银行业健康发展，目前这方面的作用正在逐步显现。

宣昌能表示，在包商银行等高风险中小银行风险处置过程中，存款保险的很多功能得到了有效发挥。随着风险差别费率、早期纠正、风险处置等核心机制逐步发挥作用，存款保险制度未来对存款类金融机构的市场约束更强，有助于及时防范和化解金融风险，进一步提升金融安全网的整体效能，助推金融业稳健发展。

存款保险是防止挤兑、促进银行体系稳定运行的一项基础性制度安排，是现代金融安全网的重要组成部分。在多年深入调查研究和广泛征求意见的基础上，2015年我国《存款保险条例》正式实施，2022年6月末全国共有4018家投保机构。

编辑 宋钰婷

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