银行人员忠告：这3种存款赶紧取出，不少人都吃亏了，别还不知情

Group 1 - The core viewpoint is that the safety of bank deposits is increasingly questioned due to significant interest rate cuts and rising bankruptcies among small and medium-sized banks starting in 2024 [1] - The interest rate for fixed-term deposits has dropped from over 3% in the past three years to 1.9% at state-owned banks [1] - Nearly 200 small and medium-sized banks dissolved in the previous year, indicating a growing trend of bank failures [1] Group 2 - A warning has been issued by bank staff advising against three types of deposits, emphasizing the risks associated with them [3] - High-interest deposits offered by small banks can be attractive, but they often involve higher risks due to the banks' need to invest in high-yield projects to cover the interest [6] - The interest rates for structured deposits are significantly higher than regular fixed-term deposits, ranging from 2.65% to 2.85%, but they carry investment risks that could lead to lower returns than traditional deposits [8] Group 3 - Deposits in banks that do not participate in the deposit insurance scheme pose a significant risk, as these deposits will not be compensated in the event of bank failure [10] - Since the introduction of the Deposit Insurance Regulation in 2015, only deposits up to 500,000 yuan are fully insured, while amounts exceeding this limit are subject to recovery processes [10] - There are still over 600 small banks that have not joined the deposit insurance scheme, making it crucial for depositors to verify the presence of the insurance mark before depositing [10]