ペイオフ解かい禁きん

noun

lifting of the blanket guarantee on bank deposits; introduction of limited deposit insurance

Refers to the policy change, particularly in Japan around 2002–2005, where the government ended full protection of all bank deposits and moved to a system with a cap on insured amounts. Often used in economic and financial news contexts.

• ペイオフ解かい禁きん後ごは、預よ金きんが全ぜん額がく保ほ護ごされるとは限かぎらなくなった。

  After the lifting of the blanket guarantee, deposits are no longer necessarily fully protected.

• ペイオフ解かい禁きんに備そなえて、複ふく数すうの銀ぎん行こうに預よ金きんを分ぶん散さんする人ひとが増ふえた。

  In preparation for the introduction of limited deposit insurance, more people spread their deposits across multiple banks.