deposit insurance program

日本振興銀行の予想通りの破綻。日本発の「ペイオフ」という言葉を何度も聞きますが、英語ではなんというのでしょうか。経済にくわしいAG くんがやってくれるでしょう。（UG）
Incubator Bank of Japan files for bankruptcy
Government activates deposit insurance program for first time
The troubled Incubator Bank of Japan filed for bankruptcy Friday at the Tokyo District Court after an overly ambitious expansion and a series of allegedly illegal transactions prompted its downfall.　The country's first bank failure in seven years is also the first case in which the government will limit its deposit guarantee to \10 million since the system was instituted in 1971.
Incubator Bank said it had net liabilities of \180.4 billion as of Aug. 31.
"We started our business with the purpose of supporting small and midsize companies," President Haruki Kohata told a news conference in Tokyo. "But at a certain point, we started to rush expansion, which resulted in a distorted business."
http://search.japantimes.co.jp/cgi-bin/nb20100910x1.html