6家银行已倒闭，存款取不出来？储户注意这5点，存款才能更安心

Core Viewpoint - The article highlights the increasing risk of small and medium-sized banks facing bankruptcy, emphasizing that depositors should be aware of the safety of their deposits and the importance of understanding banking regulations and practices [1][3]. Group 1: Reasons for Bank Failures - The primary reasons for the bankruptcy of small and medium-sized banks include poor management leading to prolonged losses, regulatory evasion resulting in non-repayable loans, and the misappropriation of depositor funds by major shareholders [3]. Group 2: Deposit Insurance and Safety Measures - The People's Bank of China introduced the Deposit Insurance Regulation in 2015, ensuring that depositors with amounts up to 500,000 yuan will receive full compensation within seven working days in case of bank failure [3]. - Depositors should verify if their bank has a deposit insurance mark before depositing funds, as approximately 4,000 out of over 4,600 banks in China participate in the deposit insurance scheme [6]. - It is advisable for depositors to limit their deposits in a single bank to no more than 500,000 yuan to mitigate risks associated with bank failures [7][9]. Group 3: Understanding Financial Products - Depositors must distinguish between "deposits" and "wealth management" products, as only deposits up to 500,000 yuan are covered by the deposit insurance, while wealth management products are not eligible for compensation [10]. - Caution is advised regarding high-interest deposit offers from small and medium-sized banks, as these may indicate higher risk investments that could jeopardize deposit safety if loans are not repaid [12].