3家银行已经倒闭，存款取不出来？建议储户了解这4点，存钱更安心

Core Viewpoint - Recent increases in fixed deposit rates by small and medium-sized banks have raised concerns about their stability and potential for failure, prompting discussions on deposit safety and the implications of the Deposit Insurance Regulation implemented in 2015 [1][4]. Group 1: Deposit Safety Concerns - Some small and medium-sized banks have raised their 3-year deposit rates to 2.1%, leading to worries about the possibility of bank failures [1]. - Since the implementation of the Deposit Insurance Regulation, three small banks have already declared bankruptcy, and further failures are anticipated in the future [1]. - Customers are concerned about the safety of their deposits in the event of a bank failure, but the central bank has established protections for depositors [4]. Group 2: Deposit Insurance Regulation - The Deposit Insurance Regulation ensures that deposits and interest up to 500,000 yuan are fully compensated, covering over 99% of depositors, as only 0.37% of depositors exceed this amount [4]. - Depositors with amounts exceeding 500,000 yuan may face losses, as compensation will depend on the resolution of the failed bank's debts [4]. Group 3: Recommendations for Depositors - Depositors should assess the bank's non-performing loan ratio and capital adequacy ratio, with a non-performing loan ratio below 1.8% and a capital adequacy ratio above 8% indicating stronger financial health [6]. - It is crucial to verify whether the bank participates in the deposit insurance scheme, as only insured banks can provide full compensation [8]. - Depositors are advised not to place all their funds in a single bank, especially those with deposits exceeding 500,000 yuan, to mitigate risk [10]. - Only deposit products such as demand deposits, fixed deposits, and large certificates of deposit are covered by the Deposit Insurance Regulation, while investment products like wealth management and insurance are not insured [13].