6家银行已倒闭，存款取不出来？建议储户了解这3点，存款更安心

Group 1 - The article highlights the increasing concern among depositors regarding the safety of their funds in banks, especially with the recent closures of several small and medium-sized banks in China [1][4] - It emphasizes the importance of understanding a bank's risk profile before depositing money, including regulatory penalties and key financial indicators such as capital adequacy ratio and non-performing loan ratio [6][10] Group 2 - The article explains the Deposit Insurance Regulations established by the central bank in 2015, which provide full compensation for deposits and interest up to 500,000 yuan within seven working days if the bank is insured [9] - It advises depositors to diversify their deposits across multiple banks to minimize risk and to distinguish between deposits and wealth management products, as only deposits are covered under the insurance [9][10] Group 3 - The article warns about the risks associated with high-interest deposit promotions offered by some small and medium-sized banks, which may lead to liquidity issues if the banks invest in high-risk projects [12] - It suggests that depositors consider placing their funds in joint-stock banks, which typically offer higher interest rates than state-owned banks while maintaining better safety compared to rural and commercial banks [12]