0? 2? 0? 2? 0? 2? 0? 2? 0? 2? 0? 2? 0? 2? 0? Insurance protection fund is a risk fund set aside by insurance companies from their premium income, which is used to protect the interests of the insured, support the stable operation of insurance companies, resist the risks of the insurance industry and help difficult insurance companies tide over the difficulties. ? 0? 2? 0? 2? 0? 2? 0? 2? 0? 2? 0? 2? 0? 2? 0? As a non-bank financial industry, the insurance industry has great operational risks. No matter which insurance company fails to operate and loses solvency, it will affect the healthy development of the insurance industry and social stability, and even bring harm. The establishment of insurance protection fund according to law will provide effective protection for the insurance industry to give full play to the advantages of the group, spread the risks of insurance operation and promote the healthy development of the insurance industry. To this end, the Insurance Law clearly stipulates the establishment of an insurance guarantee fund in the insurance industry. According to the provisions of the Insurance Law, the deposit method and withdrawal ratio of the insurance protection fund shall be stipulated by the financial supervision and regulation department. An insurance company shall deposit an insurance guarantee fund in accordance with the Insurance Law and the provisions of the financial supervision and regulation department. In order to effectively play the role of insurance protection fund in resisting insurance business risks, the insurance law also stipulates that insurance protection fund should be centrally managed and used as a whole.