2家银行已倒闭，存款取不出来？建议储户了解这3点，存款更放心

Core Viewpoint - The perception of banks as completely safe institutions is challenged by the reality of potential risks, including bankruptcy, which can affect depositors' access to their funds [1][3][5] Group 1: Importance of Product Selection - Choosing the right financial products is crucial for ensuring fund safety, with traditional savings accounts being the only options that truly meet the definition of "relative safety" [1][5] - Other products like funds and wealth management services carry varying degrees of risk, and depositors must understand that they bear the risk of loss in these cases [1] Group 2: Deposit Amount Management - The People's Bank of China stipulates a maximum compensation of 500,000 RMB under the Deposit Insurance Regulations, meaning any amount above this in a single bank is not fully protected [3] - To mitigate risk, it is advisable for depositors to spread their funds across multiple banks, keeping each deposit within the 500,000 RMB limit [3] Group 3: Importance of Paper Documentation - Despite the convenience of digital records, obtaining paper receipts for transactions is essential as they provide clear evidence of product types and agreed returns, serving as a safeguard for future claims [5] - A tangible document is more reliable than electronic records, ensuring that depositors have proof of their investments and rights [5]