4家银行解散，你的存款还能取出来吗？储户牢记4招，存款更放心！

Group 1 - The core viewpoint of the article highlights the increasing number of bank dissolutions in China, with over 105 banks expected to dissolve in 2024, predominantly village banks, raising concerns among depositors about the safety of their savings [1][3]. Group 2 - There are three main scenarios for bank dissolutions: first, larger banks may dissolve their smaller holdings to enhance competitiveness, effectively converting them into branches without affecting deposit safety [3]. - Second, smaller banks may merge to form larger institutions to improve market competitiveness and resilience against systemic risks, which also ensures deposit safety for customers [3]. - Third, some smaller banks may dissolve due to poor management, but as long as they are part of the deposit insurance scheme, deposits up to 500,000 yuan will be protected [5]. Group 3 - To mitigate risks, depositors are advised to follow four strategies: first, check if the bank has a deposit insurance mark to ensure safety [7]. - Second, avoid placing all funds in one bank; diversifying across 3-4 banks can reduce risk exposure [9]. - Third, keep individual deposits below 500,000 yuan to ensure full compensation within seven working days in case of bank failure [11]. - Fourth, be cautious with bank products; only traditional deposit products are covered by the deposit insurance, while investment products are not [13].