银行破产最高赔50万？很多人不知道，三种情况一分不赔！一文说清

Core Viewpoint - The article clarifies that the 500,000 RMB compensation for bank failures is not a universal guarantee, as there are specific conditions under which depositors may not receive any compensation [1] Group 1: Understanding the Compensation Limitations - The 500,000 RMB compensation only covers "insured deposits," which excludes financial products like wealth management, funds, and insurance [3] - Depositors must ensure that the products they purchase are classified as "deposits" in the contract to be eligible for compensation [3] Group 2: Compensation Cap and Conditions - The 500,000 RMB limit applies to the same individual at the same bank; any amount exceeding this limit will depend on the bank's liquidation process [4] - If a depositor has 800,000 RMB in a bank that fails, they will only receive a maximum of 500,000 RMB, with the remaining amount subject to the bank's asset recovery [4] Group 3: Risks of Non-Standard Transactions - Funds deposited through unofficial channels, such as "fly orders" promoted by bank employees, do not qualify as insured deposits and will not be compensated in the event of a bank failure [5] - The China Banking and Insurance Regulatory Commission has issued warnings regarding the risks associated with bank employees selling non-standard products [6]