夫妻2人在同一银行各存50万，假如银行倒闭了，大概能拿到多少赔偿？

Core Viewpoint - The article discusses the importance of understanding the deposit insurance system in China, particularly in the context of potential bank failures and the protection it offers to depositors. Summary by Sections Deposit Insurance System Overview - The deposit insurance system in China was officially implemented in May 2015, providing crucial safety for depositors [1][3]. - According to the People's Bank of China, the maximum compensation limit for each depositor in the same bank is 500,000 RMB, covering both principal and interest [3][4]. Compensation Details - If a couple each deposits 500,000 RMB in the same bank, they can receive a total of 1 million RMB in full compensation if the bank fails, as they are considered independent depositors [3][8]. - The compensation includes both principal and interest, and if the total exceeds 500,000 RMB, the excess will not be fully compensated [4][12]. Key Points of the Deposit Insurance - The 500,000 RMB limit applies to the total amount across all accounts held by the same depositor in one bank, not per account [4][5]. - The insurance covers specific types of deposits, such as RMB and foreign currency deposits, but excludes non-deposit financial products like bank bonds and wealth management products [5][12]. Compensation Process - The compensation process is time-sensitive, with payments made within seven working days after a bank is declared bankrupt [7][12]. - Historical cases, such as the takeover of Baoshang Bank in 2019, demonstrate the effectiveness of the deposit insurance system in protecting depositors [8][14]. Recommendations for Depositors - It is advisable for depositors to diversify their funds across multiple banks to mitigate risks, despite the existence of the deposit insurance [8][9]. - Monitoring the financial health and credit ratings of banks is crucial for making informed deposit decisions [9][11]. - Understanding the specific compensation process can expedite claims in the rare event of a bank failure [11][12]. Additional Considerations - Joint accounts are treated based on the share of each depositor, and compensation may vary if the shares are unclear [11]. - Depositors with amounts exceeding the 500,000 RMB limit can participate in the bank's bankruptcy proceedings for potential recovery, though this process can be lengthy and uncertain [12][14].