6家银行已倒闭，存款取不出来？建议储户注意这4点，存款更安心

Core Viewpoint - The article discusses the safety of bank deposits in China, highlighting the occurrence of bank failures and the measures in place to protect depositors, particularly through the Deposit Insurance Regulation established by the central bank in 2015 [1][4]. Group 1: Bank Failures - Several banks in China, including Hainan Development Bank and others, have previously failed, with recent cases involving Liao Yang Rural Commercial Bank and Taizihe Village Bank [1]. - It is anticipated that a few more small and medium-sized banks may face bankruptcy in the future [1]. Group 2: Deposit Insurance - The Deposit Insurance Regulation ensures that depositors with amounts less than 500,000 yuan will receive full compensation within seven working days in the event of a bank failure [4]. - Approximately 99.63% of depositors in China have deposits below 500,000 yuan, indicating that the majority are protected under this regulation [4]. Group 3: Recommendations for Depositors - Depositors should verify whether their bank participates in the deposit insurance scheme, as over 600 banks do not participate, leaving depositors without compensation if those banks fail [6]. - For deposits exceeding 500,000 yuan, it is advisable to spread funds across 2-3 banks to mitigate risk [8]. - Depositors must distinguish between "deposits" and "wealth management products," as the latter may not be covered by the deposit insurance [10]. - Caution is advised regarding small and medium-sized banks that offer high-interest rates to attract deposits, as this may indicate higher risk [12]. - The safest option for depositors seeking both security and interest is to deposit funds in joint-stock banks, which typically offer higher interest rates than state-owned banks while maintaining better safety than rural and commercial banks [12].