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四家银行面临解散,存款难取?建议储户提前了解4点,存钱更放心
Sou Hu Cai Jing·2025-04-28 08:11

Group 1 - The core issue is the increasing number of bank bankruptcies and dissolutions, with 195 small and medium-sized banks announcing closures in 2024 alone. Four banks are under scrutiny for potential dissolution, restructuring, or acquisition due to their inability to meet regulatory minimum requirements [1][4]. - The four banks have non-performing loan ratios ranging from 5.9% to 8.7%, significantly higher than the industry average of 1.8%. Additionally, their capital adequacy ratios are consistently below regulatory standards, with one bank reporting a capital adequacy ratio of only 4.3% as of the end of 2024 [4]. Group 2 - The deposit insurance system in China guarantees full compensation for deposits up to 500,000 yuan in the event of a bank's bankruptcy. Deposits exceeding this amount will be compensated based on the liquidation of the bank's assets and liabilities [6]. - It is recommended that depositors diversify their savings across multiple banks, ensuring that no single bank holds more than 500,000 yuan to safeguard their funds [6]. Group 3 - The safest deposits are found in the six major state-owned banks, although they offer lower interest rates. In contrast, small and medium-sized banks provide higher interest rates but come with increased risk [8]. - Depositors are advised to consider placing their funds in joint-stock banks, which offer a balance of better safety compared to small banks and higher interest rates than state-owned banks [8]. Group 4 - Many small and medium-sized banks attract deposits through high-interest rates, which can deviate significantly from market averages. For instance, if a small bank offers a 3-year deposit rate of 2.85% compared to the state-owned bank's 1.9%, this could indicate potential risk [10]. - High-yield investments associated with these deposits may lead to liquidity crises if the investments do not perform well, jeopardizing deposit safety [10]. Group 5 - It is crucial for depositors to verify whether a bank participates in the deposit insurance scheme, as only 4,066 out of over 4,600 banks in China are enrolled. Deposits in banks not covered by this insurance will not be compensated in the event of bankruptcy, even if they are below the 500,000 yuan threshold [13].