Although in recent years, with the emergence of various third-party financial platforms in China, the investment channels for ordinary people have been broadened to a certain extent, bank deposits are still the first choice for many people.

In 2020, with the outbreak of the epidemic, many people have further realized the importance of deposits. Although in recent years, with the emergence of various third-party financial platforms in China, the investment channels for ordinary people have been broadened to a certain extent, bank deposits are still the first choice for many people.

In 2020, despite the advent of the epidemic and economic fluctuations, China's household deposits increased significantly by 11.3 trillion yuan, with per capita deposits reaching 65,600, an increase of 7,500 yuan from 2019. According to data released by the central bank , household deposits across the country increased by 6.68 trillion yuan in the first quarter of 2021; The financial statistics report for August 2021 showed that: household deposits increased by 333.8 billion yuan in August;

citizens' deposit capacity is solid Amazing.

In our country, for most citizens, banks still represent "safety" and "reassurance."

However, what many people don’t know is that 4 banks have actually gone bankrupt in our country, and the number of customers of one of them even exceeded 4.5 million.

The first one is Hainan Development Bank, which was established in 1995. Hainan's economy developed rapidly at the end of the last century, especially when real estate began to expand on a large scale. In order to seize real estate customers, Hainan Development Bank began to lend heavily to real estate companies in an attempt to obtain huge amounts of interest. However, in the end Hainan Development Bank still overestimated the prospects of the real estate industry. As the real estate bubble burst, countless real estate companies went bankrupt. These The loaned money becomes bad debts and dead money.

Hainan Development Bank also suffered from insufficient capital, and depositors ran wildly. After depleting its reserves and a 3.4 billion yuan rescue fund from the central bank, it was still unable to get out of the predicament. In the end, Hainan Development Bank had no choice but to declare bankruptcy, and it only took three years from its establishment to bankruptcy.

The second one is Shangcun Rural Credit Cooperative in Suning County, Hebei Province. It is also the first Rural Credit Cooperative in the country to be approved for bankruptcy. Shangcun Credit Cooperative in Suning County, Hebei Province was established in 1956 and stopped operating as early as 2001. In 2006, Shangcun Credit Cooperative filed for bankruptcy in accordance with the law.

The third one is Shantou City Commercial Bank. 1997. On July 1, 2020, with the approval of the People's Bank of China, 2 city credit cooperatives in Shantou City were merged into Shantou Commercial Bank, with a total investment of more than 80html. Assets, as many as 50 multiple business outlets, and special government background make Shantou Commercial Bank attract attention in Shantou's financial industry. However, because it was unable to repay debts of approximately 1515html to private depositors, the funds that Shantou Commercial Bank could not recover had reached more than 4000 million. From total assets of 8000 million to serious insolvency, Shantou Commercial Bank had only gone four years. Year.

The fourth one is Baoshang Bank. The full name of Baoshang Bank is Baoshang Bank Co., Ltd. . Its predecessor is Baotou City Commercial Bank , which belongs to the city commercial bank sequence. With the release of a paper from Beijing No. 1 Intermediate People's Court on February 7 this year The ruling was issued and the bank, which had been established for 22 years, officially declared bankruptcy, becoming the first domestic bank to go bankrupt since the implementation of the " deposit insurance regulations ".

What is different from the previous ones is that Baoshang Bank was once among the top 10 banks in Asia, and the number of customers before bankruptcy reached 4.67 million.

In fact, as early as 2015, the country issued a "Deposit Insurance Regulations". The regulations clearly stipulate that if a bank fails, the principal and interest of depositors' deposits in the same bank not exceeding 500,000 yuan can be fully compensated; if the principal and interest exceed 500,000 yuan, the deposit will be compensated in full based on the liquidation situation of the bank on the basis of 500,000 yuan. A certain percentage of compensation will be paid.

Since banks can also go bankrupt, which banks are the safest for depositing in 2021?

1. The four major state-owned banks.

Bank of China , Agricultural Bank of China , Industrial and Commercial Bank of China and China Construction Bank .The state-owned banks, which are making a lot of money every day, are far incomparable to other local small and medium-sized banks in terms of size and income. In the annual list of the world's top 500 companies, all four major banks are ranked first.

At the same time, the annual profits of the four major banks have reached hundreds of billions. In addition, the most important point is that these four banks are all endorsed by the state, and their financial security is self-evident.

2. Banks with deposit insurance logo.

Starting from November 28, 2020, the deposit insurance logo will be activated nationwide. Such a sign means that the Deposit Insurance Regulations apply to this bank. Even if a marked bank encounters operational risks or even goes bankrupt, the central bank and the state will still pay compensation. Therefore, it is obviously safer to keep money in these banks in 2021.

Where is the safest way to store your money in 2021? Do you understand?

(fake person)