我国又有两家银行破产！银行储户请注意，这三种情况分文不赔！

Core Viewpoint - The recent bankruptcy of two banks in China highlights the increasing trend of bank failures, raising concerns about deposit safety among customers [1][6]. Group 1: Bank Failures - Two banks, Yingkou Coastal Bank and Baiyin Commercial Bank, have been declared bankrupt, with both having a debt-to-asset ratio exceeding 97%, indicating insolvency [1]. - The non-performing loan ratios for these banks are significantly higher than the industry average, with Yingkou Coastal Bank at 15.7% and Baiyin Commercial Bank at 17.2%, compared to the industry average of 1.8% [1]. Group 2: Reasons for Bankruptcy - Yingkou Coastal Bank, established in 2010, faced operational difficulties starting in 2022, accumulating losses of 3.57 billion yuan by 2024 due to illegal loans to related enterprises, which constituted 38% of total loans [4]. - Baiyin Commercial Bank, founded in 2019, rapidly expanded its total assets from 5.6 billion yuan at inception to 17.8 billion yuan by 2023, but this growth was unsustainable and led to a liquidity crisis with an actual asset shortfall of 4.3 billion yuan [4]. Group 3: Deposit Insurance System - China implemented a deposit insurance system in 2015, providing coverage of up to 500,000 yuan per depositor, which protects 99.6% of depositors' total savings [6]. - However, not all deposits are guaranteed; approximately 600 out of over 4,600 banks in China do not participate in the deposit insurance scheme, leaving depositors with no compensation if these banks fail [6]. - Deposits linked to illegal activities or those in non-deposit financial products are also not covered by the insurance, with 2.7% of deposits in problem banks being suspended from compensation due to legal issues [8]. Group 4: Recommendations for Depositors - Depositors are advised to keep their funds in state-owned or joint-stock banks for better security [10]. - It is essential for depositors to check for deposit insurance indicators when choosing a bank [10]. - Diversifying deposits across multiple banks and ensuring that the total amount in each bank does not exceed 500,000 yuan can enhance safety [10].