After the outbreak of the epidemic, the international community is in a state of turmoil, which makes many people more worried about funding arrangements. Where will it be safer to put money at this time?
Some people think that you can choose to invest and manage finance, but for lay people, this is actually a risky way to deal with funds, and some people say that you can buy jewelry precious metals .
But in fact, this is not a reasonable way of dealing with it. Some people think that it is more reliable to keep money in the bank, but as two banks have entered bankruptcy procedures, people are also full of concerns about bank savings. Since this is the case, depositors How can money be protected safely?
In the past, most people trusted banks because banks were a large financial institution that had existed in China for hundreds of years, and the state also guaranteed them. But despite this, banks are not absolutely safe.
Because banks have also collapsed in recent years of development. After all, banks are also enterprises in nature. As long as they are enterprises, they cannot ensure full profits. and it is normal for those poorly managed banks to eventually go bankrupt.
In the past, many people had 100% trust in banks, because everyone regarded banks as welfare guarantee institutions provided by the state rather than enterprises. But banks themselves have profit needs, and the most typical means of making money by banks One is to earn interest spreads.
For example, when we deposit money in the bank, the bank will pay us interest. It seems that the bank has not made money but lost money, but the bank uses the money we deposited to lend to the outside world and then collects loan interest, which creates an interest spread.
Moreover, the interest on the loan is generally higher than or even far higher than the interest paid for us when we deposit the bank. The larger the interest difference, the more considerable the bank's profit level will naturally be.
In addition, banks have some other profit channels, such as charging handling fees, business income, etc. Those inconspicuous handling fees seem to have low profitability. , but it is better because the bank has a huge user base and everyone pays it. A little handling fee is a lot of profit for banks.
Take ICBC for example. ICBC has a total of 680 million customers. These 680 million customers can bring them very considerable benefits by opening SMS reminder services, up to 12.24 billion a year, and what is important is The SMS reminder business did not cause a large amount of cost expenditure to Industrial and Commercial Bank of China.
But as we said above, since enterprises make money, there is a loss. Although banks have strong profitability, not all banks are like this. In the history of bank development, some banks have gone bankrupt or merged. The people are also worried that this situation will have an impact on their assets, but it has proved that it will have an impact, but the impact is limited.
Looking at the international community, bank bankruptcy is nothing new. For example, Lehman Brothers , JPMorgan and other well-known international bank have also faced bankruptcy crises repeatedly. Bank of China is the same, but due to national conditions, the probability of domestic banks being state-owned in the early stage is not high, However, since the banking industry relaxed its regulatory policies, many non-state-owned banks have also appeared, which has also caused some domestic companies to be involved in the government. Bank bankruptcy.
As of now, there are as many as 4 banks in China that have filed for bankruptcy, and there are also some large banks that have achieved brilliant results. In addition, two banks have entered bankruptcy procedures due to poor management. They are Liaoyang Rural Commercial Bank and Liaoning Taizihe Rural Bank.
According to the news released by the official website of China Banking and Insurance Regulatory Commission , the two banks will strictly implement the pre-order procedures in the next step. If there is a major situation, they will report to the China Banking and Insurance Regulatory Commission in a timely manner.
In fact, in addition to banks filing for bankruptcy, some banks choose to join forces to keep warm because of their unremarkable business capabilities. For example, the current Liaoshen Bank has gathered the merger results of 12 banks in the province. In addition, Shanxi Bank has 5 current treasury banks. This was formed by a bank and other situations have also occurred in many other cities. also predicts that more small and medium-sized banks will move towards mergers in the future.
As for why they do this, it is also because their individual development strength is not strong and they are easily washed away in the competition. But if they can join forces to keep warm and make overall profits, they will have money to make money. However, for depositors, everyone is most worried about it. What is, what should they do when they take the path of merger? Can you only admit defeat?
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In fact, relevant people have explained that the deposits and loans handled by depositors at these banks are still in normal development. These banks did not disappear out of thin air, but just changed their names to continue to develop. Everyone is handling various items. When you are in business or deposit and withdrawal, you may just go to a new bank to change your passbook or bank card.
Today’s hot discussion: Nowadays, two more banks may enter the “bankruptcy process”, so what should depositors do with their money?
