This year's "Government Work Report" puts forward that "a financial stability guarantee fund should be set up, and potential risks should be resolved by means of marketization and rule of law, so as to firmly hold the bottom line that systematic risks will not occur". This is the first time that "establishing a financial stability guarantee fund" has been put forward in the work report of our government.

Three sources of funds for the financial stability guarantee fund: From the practice of various countries, the sources of funds for the financial stability guarantee fund mainly include three parts:

First, financial institutions pay funds in the form of "living wills" to compact the main responsibility of financial institutions. This method can be put forward by the Financial Stability Board (FSB), requiring financial institutions to draw up a "living will" and pay funds to the regulatory agencies for use when financial institutions have substantial financial difficulties or operational failures.

Second, financial institutions receiving disposal subsidies will return their funds after the crisis.

Third, the government will inject capital. In China, the financial stability guarantee fund is led by the central government, and part of the funds are funded by the government, which also incites more social capital to enter. In some areas where small and medium-sized financial institutions are concentrated and have high potential risks, local governments can take the lead in setting up disposal funds for the prevention and disposal of local financial risks.