Over more than 20 years of development, the Deposit Insurance of Vietnam (DIV) has been affirming its important role in maintaining the stability and ensuring the safe and sound development of the system of credit institutions. Thanks to the effective implementation of its operational activities, including examination, the DIV has made a significant contribution to protecting the legitimate rights and interests of depositors as well as enhancing public confidence. Especially, in the context of the Government and the State Bank of Vietnam (SBV) stepping up the restructuring of the system of credit institutions, especially People's Credit Funds, examinations conducted by the DIV have become even more significant.

One of the remarkable highlights of the deposit insurance (DI) policy in 2021 is that the Prime Minister decided to increase the DI coverage limit to 125 million dongs per depositor at a credit institution. This is one factor that directly impacts the rights of depositors when insured institutions become insolvent or bankrupt. Still, at the same time, it also plays an important role in maintaining and enhancing market principles.