Chinese people have a hobby of saving and depositing money, which is recognized all over the world. There are three reasons why everyone likes to deposit money in the bank: The first is, "With food in hand, there is no panic in the heart." As long as there is a sum of savings in the hand, the heart will be much more secure. The second is that saving some money can meet unexpected needs. In case of unemployment, illness, etc., when money is needed, the money can be used. The third is to have some spare money every month. If you save it, you can pay for the down payment of a house, home appliances, cars, etc. You must know that big money is also accumulated little by little from small amounts.
However, it cannot be said that you can completely rest assured if you keep your money in a bank. Since the founding of the People's Republic of China, 4 domestic banks have gone bankrupt. They are: Hainan Development Bank, Hebei Suning County Rural Credit Cooperative, Shantou Commercial Bank, and Baoshang Bank, which recently announced its bankruptcy. Of course, there are currently more than 4,000 banks in the country, and only 4 have failed in total, accounting for only one thousandth. Moreover, depositors have basically never experienced losses in their deposits, so depositors do not need to worry too much about their deposits.
Many people may find it strange, how could a bank fail? Let me first briefly introduce the history of several failed banks: The first one was Hainan Development Bank, which only took three years from its establishment in 1995 to its collapse in 1998. Hainan Development Bank mainly gave money to developers to engage in real estate projects to develop . As a result, the Hainan real estate bubble burst and a large number of unfinished buildings appeared in Hainan. The bank could not collect the money back, so depositors ran on the bank. In the end, the central bank allocated 3.4 billion but failed to save the money and could only declare bankruptcy.
The second one is a rural credit cooperative in Suning County, Hebei Province. Due to its poor management, it became insolvent and had no choice but to go bankrupt. The third company is Shantou Commercial Bank. Because the amount of bad debts is as high as 4 billion, it cannot recover the money it released, so it can only declare bankruptcy. However, in 2011, it announced the start of restructuring and began to use "Huaxing Bank" "Appear in front of the world. The fourth is Baoshang Bank. Baoshang Bank is a medium-sized bank with a certain scale and once ranked 10th among the top 500 banks in Asia. Baoshang Bank's business is not only available in the northern provinces, but also has its branches in some southern provinces. Baoshang Bank collapsed mainly because of too many bad debts, and it had to declare bankruptcy in the end.
Faced with the problem of bank failure, as early as 2015, our country introduced the " Deposit Insurance Regulations ". The regulations clearly stipulate that if the principal and interest of deposits in the same bank do not exceed 500,000 yuan, full compensation will be paid after the bank goes bankrupt. If the compensation standard exceeds 500,000 yuan, a certain proportion will be calculated based on the liquidation of the bank. Make compensation. However, this time when Baoshang Bank went bankrupt, depositors were still compensated in full regardless of how much money they had. The interests of depositors did not suffer any loss.
Many people are confused now. Since the policy allows banks to go bankrupt, how should we depositors respond? First of all, when depositors save money, they should check whether the bank has a "deposit insurance logo." If the bank where they deposit money has such a logo, it means that the bank is protected by the "Deposit Insurance Regulations." In this way, even if the bank goes bankrupt or closes down, you can still get corresponding compensation. Therefore, when depositing money in a bank, be sure to observe whether the bank has a "deposit insurance mark". If so, you can feel at ease. Save money.
Furthermore, it is not that the higher the interest rate, the better, but it is better to deposit in the six major state-owned banks such as "Workers' and Peasants' China Construction Bank" and Postal Savings Bank . Of course, listed joint-stock small and medium-sized banks are also acceptable. . Although the interest rates offered by large banks are not high, only local banks or joint-stock banks have slightly higher interest rates. However, for the sake of safety, depositors still deposit their money in the six major state-owned banks, because these banks are all global. As a Fortune 500 company, the six major state-owned banks have a relatively high level of protection and safety.
Finally, if depositors feel that the interest rates offered by large state-owned banks are lower, and the deposit interest rates offered by some local banks or private banks are higher, of course they can also deposit money in these banks, but the deposit amount should not exceed 50 If a depositor has a lot of money, he can deposit the funds in several local banks, so that he can get high returns and reduce the risk. However, it is best to save deposits in small and medium-sized banks for 1-3 years. Saving for 5 years is too long and is not cost-effective.
In our daily lives, it is inevitable to make deposits to prepare for emergencies. But now that some banks have closed down and bank deposit insurance regulations have been introduced, many people feel that their deposits are no longer safe? In fact, even in these failed banks, depositors' deposits were guaranteed. However, for savers, it is best to deposit money in large state-owned banks. Of course, if you think small and medium-sized banks have high interest rates, as long as the deposit amount does not exceed 500,000, there is not much danger. For savers, deposits are definitely the safest way to invest, and the interests of savers will ultimately be protected by the state.
