6家银行已经倒闭，存款取不出来？建议储户了解这3点，存钱更安全

Core Viewpoint - The increasing risk in high-yield investment products has led many risk-averse individuals to deposit their money in banks, although bank failures, while rare, do occur [1] Group 1: Bank Failures and Deposit Insurance - There have been several instances of bank failures in recent years, including Baoshang Bank and Liaoyang Rural Commercial Bank, with expectations of more small banks facing similar fates [1] - The People's Bank of China introduced the "Deposit Insurance Regulations" in 2015 to protect depositors' funds, alleviating concerns about bank failures [4] - Only about 600 out of over 4600 banks in China do not participate in deposit insurance, meaning deposits in these banks are at risk if they fail [4] Group 2: Key Knowledge Points for Depositors - Depositors should ensure their total deposits and interest do not exceed 500,000 yuan to receive full compensation in the event of a bank failure, as amounts above this limit will be compensated only after liquidation [6] - The deposit insurance only covers savings products such as demand deposits, time deposits, and large certificates of deposit, while investment products like bank wealth management products are not covered [7] Group 3: Practical Strategies for Depositors - Depositors should check for the "Deposit Insurance Mark" before depositing money in a bank to ensure their funds are protected [10] - It is advisable for depositors, especially those with amounts exceeding 500,000 yuan, to diversify their deposits across multiple banks to mitigate risks [10] - Depositors must distinguish between savings and investment products to avoid potential losses from misinterpretation, as seen in the example of a depositor mistaking a wealth management product for a savings product [12]