Article 5 Deposit insurance shall be paid in a limited amount, with a maximum payment limit of 500,000 yuan. The People's Bank of China, together with relevant departments of the State Council, may adjust the maximum payment limit according to factors such as economic development, changes in deposit structure and financial risks, and report it to the State Council for approval before promulgation and implementation.

If the total amount of funds calculated by the same depositor in all insured deposit accounts of the same insurance institution is within the maximum repayment limit, full repayment will be implemented; The part exceeding the maximum payment limit shall be compensated from the liquidation property of the insurance institution according to law.

After the deposit insurance fund management institution repays the insured deposit of the depositor, it obtains the creditor's rights of the depositor to the insurance institution in the same repayment order within the scope of the repayment amount.

Measures for the deposit of social insurance funds and housing accumulation funds shall be formulated separately by the People's Bank of China in conjunction with relevant departments of the State Council and submitted to the State Council for approval.

Extended data:

According to the Deposit Insurance Ordinance:

Article 11 The use of deposit insurance funds shall follow the principles of safety, liquidity, preservation and appreciation, and be limited to the following forms:

(1) Deposited in the People's Bank of China;

(2) Investing in high-grade bonds such as government bonds, central bank bills and financial bonds with high credit ratings;

(three) other forms of use of funds approved by the State Council.

Article 12 The deposit insurance fund management institution shall, within three months after the end of each fiscal year, prepare financial accounting reports and deposit insurance fund income and expenditure statements, and prepare annual reports, which shall be published in accordance with relevant state regulations.

The income and expenditure of deposit insurance funds shall abide by the unified financial and accounting system of the state and accept the audit supervision of audit institutions according to law.

Thirteenth deposit insurance fund management institutions to perform their duties, found that one of the following circumstances, can be verified:

(1) If the risk status of an insurance institution changes, it may be necessary to adjust the applicable rate, and check the relevant information related to the rate calculation;

(two) there may be problems in the premium payment base of insurance institutions, and check the scale, structure and authenticity of their deposits;

(three) to verify the authenticity of the information and materials submitted by the insurance institutions. Major problems found in the verification shall be notified to the banking regulatory agency.

Article 14 A deposit insurance fund management institution shall participate in the coordination mechanism of financial supervision and management, and establish an information sharing mechanism with financial management departments and institutions such as the People's Bank of China and banking supervision and management institutions.

The deposit insurance fund management institution shall obtain the supervision and management information such as the risk status, inspection report and rating of the insurance institution through the information sharing mechanism.

If the information specified in the preceding paragraph cannot meet the needs of controlling the risks of deposit insurance funds, ensuring timely payment and determining differential rates, the deposit insurance fund management institution may require insurance institutions to submit other relevant information in a timely manner.

Baidu encyclopedia-deposit insurance regulations