4家银行已经宣布破产！老百姓存的钱谁负责？了解这3点，放心存钱

Core Viewpoint - The number of small and medium-sized banks in China that have declared bankruptcy is increasing, with a total of six banks reported to have failed in recent years, raising concerns among depositors about the safety of their savings [1][4][9] Group 1: Bank Failures - Recent reports indicate that six small and medium-sized banks in China have declared bankruptcy, including Hainan Development Bank, Shantou Commercial Bank, and others [1] - The trend of increasing bank failures is expected to continue, leading to heightened anxiety among depositors regarding the security of their funds [4] Group 2: Deposit Insurance Regulations - The People's Bank of China introduced the Deposit Insurance Regulations in 2015, which protect depositors' savings in the event of a bank failure [4][6] - According to the regulations, if a bank is insured and a depositor's total savings plus interest are below 500,000 yuan, they can receive full compensation within seven working days in case of bankruptcy [6][7] - Depositors are advised to ensure that their bank participates in the deposit insurance scheme and to check for the deposit insurance mark prominently displayed at the bank [6] Group 3: Compensation Limits - Depositors should be aware that only savings products such as demand deposits, time deposits, and large certificates of deposit are eligible for compensation under the deposit insurance scheme [9] - Any amount exceeding 500,000 yuan in a single bank may not be fully compensated and will depend on the liquidation process of the failed bank [7][9] - It is recommended that depositors diversify their savings across different banks to mitigate risks associated with bank failures [7][9] Group 4: Recommendations for Depositors - Depositors are encouraged to consider placing their funds in joint-stock banks, which typically offer higher interest rates compared to state-owned banks while maintaining better security than smaller banks [9]