6家银行已经倒闭，存款取不出来？建议了解这5点，存款更放心

Group 1 - The article discusses the risks associated with bank failures and the importance of understanding deposit insurance for depositors [1][4] - It highlights that under China's deposit insurance system, deposits plus interest below 500,000 yuan are fully compensated if the bank fails, covering 99% of depositors [6] - The article emphasizes the need for depositors to choose banks wisely, recommending that they prefer joint-stock banks for better interest rates and safety compared to small banks [8] Group 2 - It advises depositors to diversify their large funds across multiple banks to minimize risk, suggesting that keeping deposits below 500,000 yuan in any one bank is prudent [10] - The article warns that purchasing bank wealth management products does not qualify for compensation under the deposit insurance system in case of bank failure [12] - It cautions against being lured by high-interest rates offered by small banks, as these may lead to liquidity issues if the banks invest in high-risk projects [15]