6家银行已经倒闭，存款取不出来？建议储户了解这3点，存款更放心

Group 1 - The core viewpoint is that while many people believe keeping money in banks is the safest option, the reality is that small and medium-sized banks in China have faced bankruptcies, albeit at a low rate [1][4] - Recent bankruptcies include Liao Yang Rural Commercial Bank and Taizihe Village Bank, with more expected as the central bank allows such failures [4] - The reasons for these bankruptcies include poor management leading to losses, attempts to evade financial regulations resulting in bad loans, and misuse of depositor funds by major shareholders [4] Group 2 - Depositors are concerned about the safety of their funds in the event of a bank's bankruptcy, but understanding certain information can provide reassurance [6] - It is crucial for depositors to check if the bank participates in deposit insurance, as this ensures that deposits up to 500,000 yuan are fully compensated in case of bankruptcy [8][10] - Depositors should limit their total deposits and interest in a single bank to 500,000 yuan to ensure full compensation under the deposit insurance scheme [10] - Depositors should be cautious about purchasing bank wealth management products, as these are not covered by deposit insurance and losses would be borne by the investors in case of bank failure [12]