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The binding effect, prevent moral hazard. This is also the international practice. Q: Who will pay deposit insurance premiums, according to what criteria to pay? A: The deposit insurance premiums paid by the insured banking institutions, depositors do not need to pay. Deposit insurance at the benchmark rate and the rate difference between the risk of combining system. The rates according to the financial situation of the economic development, the structure of the deposit as well as the cumulative level of deposit insurance funds and other factors developed and adjusted by the deposit insurance fund management institutions, after approval by the State Council. The applicable rates for each insured institution, by the deposit insurance fund management institutions determined in accordance with risk management and health insurance and other health agencies factors. The implementation of the base rate and risk difference rates combined rate system, and promoting fair competition, the formation of positive incentives, strengthen the insurance agency market discipline to promote its prudent operation and healthy development. Considering the experience of international financial institutions and risk tolerance disposal needs and other factors, the level of deposit insurance premium rate will be lower than the current level and the level of the majority of the national deposit insurance system at the start of. Q: 50 million maximum payment limit is how to determine and pay the deposit is not over the limit will be no security guarantees? A: determine the maximum deposit insurance payment limit, it is necessary to fully protect the interests of depositors, but also to prevent moral hazard. From an international point of view, the maximum reimbursement limit is generally per capita gross domestic product (GDP) of 2-5 times. Provided for in regulation 50 million maximum payment limit, the People's Bank of China, together with the parties concerned in accordance with the size of the deposits, structures and other factors, and our strong willingness to consider household savings, savings deposits bear certain social security function of the actual situation, after repeated after the proposed estimates, this figure is about 12 times that in 2013 China's per capita GDP, higher than the level of protection in most countries in the world, able to provide full protection for 99.63% of the depositors. At the same time, this limit is not fixed, will be based on economic development, changes in the deposit structure, financial condition and other risk factors, adjust the State Council for approval later. Of particular note is the implementation of quota payments, that does not mean there is no limit above safety deposit protection. In accordance with Regulation