财经金融新闻 存款保险议案（在线收听）

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，中央银行宣布了向用户提供最高赔偿50万元的银行破产保护费草案。

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.

银行破产很难在中国见到，但是中央银行最终提出了建立存款保险制度的提案。美国大萧条以后，联邦存款保险公司出台了联邦存款保险制度，与其设计理念相似，中国人民银行将同时对人民币和外汇提供基本存款保险制度。人民银行对用户在每家银行的存款提供最高赔偿50万元的计划。

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.

草案所设立的存款保险制度将覆盖全国99%的银行存款。银行将赔付一定限额的存款。草案没有明确出需要支付保险机构的银行种类。绝大部分比例将会是银行总体营业额的0.015%到0.002%不等，这是业内人士所发表的见解。

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.

投资银行-中国国际金融有限公司预计这些份额将使得银行的营业成本提高0.4个百分点，并减少大约1个百分点的利润。去年，银行业报道称净利润超过了1万亿元。

For Caixin Online, this is Diana Bates.

这是戴安娜·贝茨为您带来的财新新闻报道。