六家银行倒闭钱怎么办？牢记这4条安全法则，存款依然安全

Core Viewpoint - The article emphasizes that despite the recent bank failures, depositors can feel secure about their savings due to established protective measures and guidelines from the government [1]. Group 1: Bank Failures and Depositor Protection - Six banks have recently failed, but the handling of these failures shows that depositors' funds are not lost; for instance, all personal deposits at Baoshang Bank were fully compensated, and similar outcomes were observed for other banks through various resolution methods [3][4]. - The 2025 government work report highlights that depositor rights will be prioritized in the resolution of small and medium-sized bank risks, ensuring that depositors are protected [3]. Group 2: Safety Rules for Depositors - Rule 1: Recognize the "Deposit Insurance" mark, which guarantees 100% coverage for deposits up to 700,000 yuan per person per bank, effective from May 1, 2025 [4]. - Rule 2: Diversify deposits across multiple banks to avoid exceeding the insurance limit; for example, splitting 1 million yuan into two accounts can ensure both amounts are fully protected [5]. - Rule 3: Distinguish between "deposits" and "non-deposits"; only products explicitly labeled as deposits are covered by insurance, while other financial products may carry risks [6]. - Rule 4: In the event of a bank failure, follow specific steps for efficient claims; the deposit insurance fund will automatically verify and compensate deposits without requiring individual applications [7].