6家银行倒闭后，储户更慌了？其实只要明白这4点，存款更安全！

Group 1 - The core viewpoint is that while many believe keeping money in banks is the safest option, the risk of small and medium-sized banks failing is increasing, as evidenced by recent bank closures [1][4][12] Group 2 - It is essential for depositors to check if their bank participates in deposit insurance, as this ensures full compensation for deposits and interest up to 500,000 yuan in case of bank failure [6][4] - Depositors should avoid keeping more than 500,000 yuan in a single bank and consider spreading their deposits across multiple banks to mitigate risks [7][12] - There is a clear distinction between deposits and wealth management products; only traditional deposit products are covered by deposit insurance, while wealth management products are not [9][12] Group 3 - Small and medium-sized banks, particularly rural commercial banks and village banks, have shown weaker market competitiveness and risk resilience compared to state-owned and joint-stock banks, making them riskier for depositors [11][12] - Depositors are advised to choose banks with deposit insurance and to keep their total deposits below 500,000 yuan, while also being cautious of high-interest offers from smaller banks [12][11]