At present, people in 1 1 cities (counties) have experienced the deposit insurance logo for the first time. 165438+1from 7 October 1 1 city (Neiqiu County, Hebei Province, Linfen City, Shanxi Province, Tieling City, Liaoning Province, Yangzhou City, Jiangsu Province, Linyi City, Luohe City, Xiaogan City, Hubei Province, Huarong County, Hunan Province, Leshan City, Sichuan Province, Yunnan Province)
The use of the deposit insurance mark means that in this financial institution, depositors' deposits are guaranteed by deposit insurance. Deposit insurance, also known as deposit protection, means that the state provides clear legal protection for public deposits through legislation. Since May 1 2065438, China's Deposit Insurance Regulations have been implemented. China's deposit insurance is limited to pay, and the maximum payment limit is 500,000 yuan. In other words, if the sum of the principal and interest of all deposit accounts of the same depositor in the same bank is less than 500,000 yuan, it can be paid in full.
The meaning of the deposit insurance sign is as follows: the main color of the image pattern is green, which means that the deposit insurance system, as a market-oriented financial risk prevention and disposal mechanism, can promote the healthy and sustainable development of financial institutions and optimize the financial ecology. The main body of the pattern is the white Chinese character "Zhong" symbolizing the protection of public depositors, and it also forms a tree pattern. The three crowns of the tree symbolize the three functions of deposit insurance: protecting depositors, differential rates, early correction and risk disposal. The circular outline of the pattern symbolizes safety, protection and trustworthiness, and symbolizes that the deposit insurance system, as one of the three pillars of the financial safety net, can effectively safeguard depositors' confidence and financial stability.
Insurance is a safe and reliable guarantee; Later, it was extended to a guarantee mechanism, a tool for planning life finance, a basic means of risk management under the condition of market economy, and an important pillar of financial system and social security system.
Insurance refers to the commercial insurance behavior in which the applicant pays the insurance premium to the insurer according to the contract, and the insurer bears the responsibility of paying the insurance premium for the property losses caused by the possible accidents agreed in the contract, or when the insured dies, suffers from disability, illness or reaches the age and time limit agreed in the contract.
From the perspective of economics, insurance is a financial arrangement to share the loss of accidents; From the legal point of view, insurance is a contractual act, a contractual arrangement in which one party agrees to compensate the other party for losses; From a social point of view, insurance is an important part of the social and economic security system and a "subtle stabilizer" for social production and social life; From the perspective of risk management, insurance is a method of risk management.