In the process of economic development, rising prices are the norm, but the factors that drive prices to rise continuously are closely related to various social environments in addition to economic factors.

In the process of economic development, rising prices are the norm, but the factors that drive prices to rise continuously are closely related to various social environments in addition to economic factors. For example, in the past two years, affected by many uncontrollable factors such as the epidemic, the increase in social prices has far exceeded people's wages. Under such a background, most people can be said to be facing many difficulties in their lives, and some people even lose their jobs and have no source of income.

It is undeniable that people have faced many challenges in the past two years. For those groups without income sources, how to maintain a basic material life has even become their distress. Of course, even if some people in real life lose their jobs, they have a certain amount of savings, and their basic life will not be affected too much. It can be seen that deposits are one of the most important guarantees for responding to emergencies.

For the Chinese people, whether affected by traditional concepts or to deal with future risks, they almost have the habit of saving money. With the increasing willingness of residents to save , my country is also a well-known savings country.

Although there are many ways of financial management emerged in the process of the development of the times, compared with other financial management methods and financial institutions, bank deposits are more reliable. Because of this, many people place their savings in the bank. However, it should be noted that although bank cards are relatively safe and reliable, they also have certain risks.

It is understood that from 2016 to 2020, the number of offline business outlets of the six major banks in my country decreased by more than 2,600, from the initial 109,300 to 106,600. And in 2021, 431 banks in my country also closed their branches. Not only that, there are actually traces of bank bankruptcy cases. According to statistics, there are currently four banks in my country that have gone bankrupt. So what is the specific situation?

The first bank to go bankrupt was Shangcun Rural Credit Cooperative, Suning County, Hebei Province. For the vast rural areas, rural credit cooperatives are very important, and the savings scale of rural credit cooperatives in various regions is also relatively optimistic. The reason why Shangcun Rural Credit Cooperative went bankrupt was mainly because of violations in banking business and many bad debts, which laid hidden dangers for its own operations and reached a bankruptcy.

The second bank to go bankrupt is Shantou Commercial Bank . Because Shantou Commercial Bank has many bad debts and its internal operations also show a chaotic situation, Shantou Commercial Bank was eventually declared bankrupt under the policy of rectification of financial market order.

The third bank to go bankrupt is Hainan Development Bank . Hainan Development Bank, established in 1995, started relatively early, but during the operation of Hainan Development Bank, internal order was chaotic and business problems occurred. More importantly, in order to obtain more profits, Hainan Development Bank has continuously lends to customers in the context of real estate speculation. However, with the bursting of the bubble in Hainan's real estate industry, Hainan Development Bank's external lending funds cannot be recovered in time, which ultimately leads to its own business problems and goes bankrupt.

The fourth bank to go bankrupt is Baoshang Bank . The development history of Baoshang Bank is quite eye-catching. After 23 years, it can have more than 4.6 million depositors. However, due to its own credit problems, the capital chain was broken, coupled with the failure of investment and illegal financial management operations, the bank eventually broke down.

Some people may be worried when they see this. If the bank where they deposit their deposit goes bankrupt, what should they do with their own money? In fact, according to relevant regulations, it can be seen that depositors’ deposits in the bank are guaranteed. As of now, the highest claim standard for bank's " Deposit Insurance Regulations " is 500,000 yuan, which means that depositors can get full claims when the bank's principal plus interest is less than or equal to 500,000 yuan, but if it exceeds 500,000 yuan, they may suffer a certain loss of .

It should be noted that not all depositors can obtain bank claims. If there are two situations below, depositors will not receive corresponding compensation.

The first situation is that the depositor purchases financial products in the bank, not the deposit business. As we all know, financial management is risky, and the corresponding risks of different financial products are also very different. It is precisely because of this uncontrollable risk that when depositors purchase financial products in the bank, they will sign relevant agreements in advance, that is, they will bear their own profits and losses.

In this way, even if the bank goes bankrupt, the bank will not compensate the losses suffered by the depositors. Moreover, even if the bank does not go bankrupt, when the depositors' financial products are at risk, the bank is not responsible for making claims.

The second situation is that the bank where the depositor is located does not purchase deposit insurance for the depositor. Generally speaking, when depositors handle deposit business at the corresponding bank, as long as they are formal banks, they will automatically purchase deposit insurance for customers. However, if there is no such guarantee, then when the bank goes bankrupt or the capital chain breaks, depositors' deposits in the bank cannot get normal claims.

Conclusion:

Overall, money is the basis for maintaining daily life, and deposits are always an important guarantee for future emergencies. People should also develop the correct consumption concept in their daily lives and save some money for themselves. Of course, when people save money, they must choose formal banks to save, and don’t bring more risks to themselves just because they are greedy for high interest rates.

Today's topic: 4 banks in China have gone bankrupt, depositors have received a maximum compensation of 500,000 yuan. There are two situations where the penny is not compensated without compensation