Does Ningxia Yellow River Rural Commercial Bank have a deposit insurance logo?

Do rural commercial banks have deposit insurance signs ... Expand.

Mo Ma said Bao.

Financial answer

Insurance broker: Zhao Jinna, Mingya Insurance Broker Co., Ltd.

Consulting became the 34th fan.

Hello, Rural Commercial Bank is a joint-stock local commercial bank with deposit insurance. The deposit insurance logo will be posted on June 28, 2020. According to the Regulations on Deposit Insurance, commercial banks, rural cooperative banks, rural credit cooperatives and other deposit banking financial institutions established within the territory of China shall handle deposit insurance in accordance with the regulations, and depositors' RMB deposits and foreign currency deposits shall enjoy insurance protection. To put it simply, all banks approved by the CBRC, including state-owned banks, commercial banks, private banks, rural cooperative banks and rural credit cooperatives, have deposit insurance.

The following is about deposit insurance according to the following two points: "1. What is deposit insurance? 2. Briefly explain the development of deposit insurance in China, hoping to help you.

What is deposit insurance?

Deposit insurance mainly avoids the risk that depositors will not be able to pay their deposits in the case of business crisis or bankruptcy, which will lead to economic losses for depositors. Deposit insurance is an insurance product insured by banks and given to depositors free of charge. In case of the above risks, the insurance company will compensate the depositors for part or all of their deposits. Simply put, deposit insurance protects the interests of our depositors. Part or all of the deposit is paid here because the deposit insurance is limited, and the maximum amount is 500,000 yuan.

2. The development of domestic deposit insurance system;

(1) 201265438+1At the beginning of October, the People's Bank of China indicated that the time was ripe for China to introduce a deposit insurance system.

(2) In 2065438+03, the central bank indicated that all the conditions for establishing a deposit insurance system have been met, and an understanding has been reached internally, which can be introduced and implemented at an appropriate time.

(3) On June 20 14,14, the central bank indicated at the working conference of the People's Bank of China that all preparations for the deposit insurance system were basically ready and it was likely to be launched in 2065 438+04.

(4) 2065438+065438 On October 27th, 2004, the People's Bank of China held a national video conference on deposit insurance system, and leaders of provincial branches attended the conference in Beijing to study and deploy the deposit insurance system in June of 20 15. On the 30th, the Regulations on Deposit Insurance (Draft for Comment) was issued, which stipulated that deposit insurance should be paid in a limited amount, with a maximum amount of RMB500,000.

(5) On May 1 2065438+05, the Deposit Insurance Regulations came into effect.

(6) From June 28th, 2020, 165438+ authorized financial institutions participating in deposit insurance to use the deposit insurance logo.

This is the relevant explanation about bank insurance deposits. I hope it helps you. Thank you for your patience.