184家银行获批解散，存款取不出来？建议了解这3点，存款更放心

Group 1 - The core viewpoint is that there has been a significant increase in the number of bank dissolutions and mergers in China, with 184 small and medium-sized banks approved for dissolution in the first five months of 2025, a sevenfold increase compared to the same period last year [1][11] - The reasons for the dissolution and restructuring of banks include large banks dissolving small banks to integrate resources and enhance competitiveness [3] - Increased competition among banks has led to mergers among small banks to form larger institutions, improving their market competitiveness and risk resilience [3] Group 2 - Some small banks are dissolving due to poor management and long-term losses, leading to their acquisition and restructuring by larger banks [5] - Concerns from depositors regarding the safety of their deposits after a bank's dissolution are addressed, indicating that new banks will take over the deposit business of dissolved banks [7] - The safety of deposits is contingent on the type of financial products purchased, with deposits insured up to 500,000 yuan under the Deposit Insurance Regulation [9][11]