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In today's podcast, the central bank announces a draft plan to give people 500,000 yuan worth of protection in case a bank fails.
在今天的播客中，中央銀行宣布了向用戶提供最高賠償50萬元的銀行破產(chǎn)保護(hù)費(fèi)草案。
Bank failures are rare in China, but the central bank has finally stepped in with a proposal to establish a deposit insurance system. Similar in design to the U.S.'s Federal Deposit Insurance Corporation, which was created after the Great Depression, the proposal by the PBOC would provide basic insurance for bank deposits both in yuan and foreign-currency. The PBOC's version would offer protection of up to 500,000 yuan per person per bank.
銀行破產(chǎn)很難在中國見到，但是中央銀行最終提出了建立存款保險(xiǎn)制度的提案。美國大蕭條以后，聯(lián)邦存款保險(xiǎn)公司出臺了聯(lián)邦存款保險(xiǎn)制度，與其設(shè)計(jì)理念相似，中國人民銀行將同時(shí)對人民幣和外匯提供基本存款保險(xiǎn)制度。人民銀行對用戶在每家銀行的存款提供最高賠償50萬元的計(jì)劃。
The draft plan would create a deposit insurance system that will cover more than 99 percent of all deposits with banks in the country. Banks will have to pay a certain proportion of the deposits they accept to aninsurance fund. The draft plan did not specify how many different types of banks will need to pay into theinsurance fund. The ratio will mostly range from 0.015 to 0.02 percent of a bank's overall profits, a source close to the situation says.
草案所設(shè)立的存款保險(xiǎn)制度將覆蓋全國99%的銀行存款。銀行將賠付一定限額的存款。草案沒有明確出需要支付保險(xiǎn)機(jī)構(gòu)的銀行種類。絕大部分比例將會是銀行總體營業(yè)額的0.015%到0.002%不等，這是業(yè)內(nèi)人士所發(fā)表的見解。
China International Capital Corp., an investment bank, estimated that the contributions would increase bank operating costs by 0.4 percentage points and cut their profits by about 1 percentage point. Last year the banking industry reported net profit of more than 1 trillion yuan.
投資銀行-中國國際金融有限公司預(yù)計(jì)這些份額將使得銀行的營業(yè)成本提高0.4個(gè)百分點(diǎn)，并減少大約1個(gè)百分點(diǎn)的利潤。去年，銀行業(yè)報(bào)道稱凈利潤超過了1萬億元。
For Caixin Online, this is Diana Bates.
這是戴安娜·貝茨為您帶來的財(cái)新新聞報(bào)道。
譯文屬可可英語原創(chuàng)，未經(jīng)允許，不得轉(zhuǎn)載。
