6家银行已经倒闭，存款取不出来？建议储户了解这5点，存款更安心

Core Viewpoint - The perception that keeping money in banks is the safest option is misleading, as banks, especially small and medium-sized ones, can also face bankruptcy risks due to various factors. Group 1: Reasons for Bank Failures - Small and medium-sized banks often operate at a loss, leading them to bankruptcy as a last resort [4] - Major shareholders may misuse depositor funds for high-risk investments, resulting in liquidity crises and eventual bank failures [4] - Some banks evade financial regulations to achieve higher investment returns, which can lead to uncollectible loans and financial collapse [4] Group 2: Deposit Insurance and Safety Measures - The People's Bank of China introduced the "Deposit Insurance Regulations" in 2015, ensuring that deposits up to 500,000 yuan, including interest, are fully compensated within seven working days [6] - This insurance covers 99% of depositors nationwide, but amounts exceeding 500,000 yuan may not be fully compensated immediately and depend on the liquidation process of the failed bank [6] Group 3: Recommendations for Depositors - Depositors should check if a bank has faced penalties from financial regulators before depositing funds [9] - It is advisable to look for the "Deposit Insurance" sign at the bank, as over 4,000 out of 4,600 banks in China participate in this insurance [12] - Depositors should diversify their funds across 2-3 banks, ensuring that no single bank holds more than 500,000 yuan to mitigate risks [15] - Caution is advised regarding high-interest deposit offers from small banks, as these may indicate higher risk investments [17] - Depositors must distinguish between deposits and investment products, as only deposits are protected under the Deposit Insurance Regulations [19]