ChinawilllaunchaIong-awaiteddepositinsurancesystemnextmonth,thecentralbanksaidonTuesday,acrucialsteptowardsderegulatingdomesticinterestratesandpromotingmarket七asedcapitalallocation.中国央行(PBoC)周二表示z中国将在下月推出期待已久的存款保险制度。这是旨在取消国内利率管制和推动以市场为基础的资本配置的关键举措。ZhouXiaochuan,thecentralbankgovernor,toldreporterslastmonththatChinacouldremovethecaponbankdepositrates—thelastremainingdomesticinterestratesubjecttoadministrativeregulation—bytheendofthisyear.中国央行行长周小川上月对记者表示，中国可能在今年底之前取消银行存款利率上限，存款利率是中国最后一种受到行政监管的利率。Depositinsuraneelaysthefoundationforfreeingupratesbyensuringthatsaversareprotectedevenifcompetitionfordepositsleadstoexcessiverisk-takingandbankfailure.ThePeople'sBankofChinasaiddepositsuptoRmb500,000($80,600)wouldbeinsured.存款保险槪角保即便揽储竞争导致过度冒险和银行倒闭，储户也会得到保护，从而为利率自由化奠定基础。中国央行表示，最高偿付限额为50万元人民币(约合8.06万美元)。"Depositinsuraneeisapreconditionforinterest-rateliberalisation.Theimplementationofthesystemmeansrateliberalisationisspeedingup,"saidTaoWang,greaterChinaeconomistatUBSinHongKong."存款保险是利率市场化的前提。该制度的执行意味着利率市场化开始加速””瑞银(UBS)驻香港的大中华区经济学家汪涛表示。fconomistssayliftingthecaponbankdepositrateswillleadtohigherinterestratesasbankscompeteforfunds.Thatshouldimprovecapitalallocationaslendersseekoutmoreproductiveborrowersabletoaffordhigherrates,includingsmall,privatelyownedbusinessesthathavelongstruggledtoobtainbankloans.经济学家们表示z放开银行存款利率上限将导致利率升高,因为各银行将为获得资金展开竞争。这应会改善资本配置状况，因为银行会寻找能够承受更高利率的更具成效的借款人，包括那些长期以来很难获取银行贷款的小型民企。ThePBoCwaswidelyexpectedtolaunchdepositinsuraneelastyearbutbankerssaybehindthesceneswranglingledtodelays.Largerbanksresistedastructurethatwouldhaveforcedthemtopayadisproportionateshareofinsuraneepremiums,ineffectsubsidisingsmallerlendersthataremostlikelytofail.外界曾普遍预期中国央行会在去年推出存款保险制度，但银行家们表示，幕后角力导致了延迟。对于一种将迫使它们支付份额超出比例的保费、实际上对最可能倒闭的中小银行进行补贴的保险安排，冷艮行进行了抵制。---本文来源于网络，仅供参考，勿照抄，如有侵权请联系删除---ThedetailsofthesystemlargelymatchthoseofadraftplanreleasedinlateNovemberlastyear.AnalystssaidatthetimethattheRmb500,000limitwouldfullycoverabout98percentofChinesedepositors,thoughthelargeshareofdepositfundsheldbywealthysaversmeansthatwouldstillleaveasignificantchunkofthebankingsystem'sRmb126tnindepositsuninsured.存款保险制度的细节基本上与去年11月下旬公布的草案相吻合。分析师彳门当时表示，偿付上限定为50万元人民币，将为约98%的中国储户提供全额保护，不过，富裕储户持有的高比例存款意味着，银行体系126万亿元人民币存款中仍将有相当大一部分得不到保护。Citingtheexperienceofothercountries,theInternationalMonetaryFundhaspreviouslysaidthattherolloutofdepositinsuraneecouldleadtodepositoutflowsfromsmallerbanks,asithighlightsbankfailureasarealisticpossibilityandexplicitlydefinessomedepositsasunprotected.国际货币基金组织(IMF)此前曾援引其他国家的经验表示,存款保险制度的推出可能导致存款流出中小银行，因为它凸显了银行倒闭的现实可能性,并明确地将部分存款界定为不受保护。AlmostallChinesebanksarestate-owned,anddomesticsavershavetraditionallyviewedallb...