最近这几年，银行宣布解散的情况是越来越多。2024年全国超105家银行解散，村镇银行占比超70%！最近，哈尔滨银行发布公告，将吸收合并旗下的4家村 镇银行。这意味着这4家村镇银行会面临解散，金融牌照被收回，法人主体被注销。为此，有不少储户担心，中小银行在解散之后，自己在那里的存款还能 取出来吗？ 实际上，银行解散通常分成三种情况：第一种，为了提升市场竞争力，一些大银行把自己控股的中小银行解散，然后通过重组使其成为旗下的分支机构。这 么做就能使资源得到更好的配置。在这种情况下，对于储户来说中小银行解散，成为大银行的分支机构，只不过是换了个招牌而已。储户之前在中小银行的 存款安全性是有保障的。 第二种，随着市场竞争越来越白热化，很多中小银行感到生存压力大。而为了能更好的生存和发展下去，不少中小银行就会选择"抱团取暖"，成立一家大型 的银行。如此一来，就能提高其市场竞争力，以及抵御系统性风险的能力。在这种情况下，储户之前存在中小银行的存款的安全也不必过于担心。 第三种，一些中小银行因经营不善，长期处于亏损的状态，只能宣布解散。届时就会有新的大型银行前来接管。在这种情况下，只要该银行参加了《存款保 险》，储户的存款+ ...

第一，别都存较长周期的定期存款 现在很多储户都喜欢存3年或5年的定期存款，这样既能获得较高的存款利率，同时又能长期锁定存款收益。不过，存3年或5年定期存款的流动性较差。万一 中途急需要动用这笔存款，那都要算活期存款利率。如此一来，储户将面临重大的利息损失。 事实上，储户的存款周期不宜过长，通常1年定期比较稳妥。这样既能享受到相对较高的存款利率，又能获得较好的流动性。此外，把钱存1年的定期存款， 在存款到期之后，就有更多新的投资机会可供选择，而如果把资金存3年定存，就等于把钱给锁死了，就会失去更多投资机会。 现如今，有越来越多的人知道存钱的重要性。如果手里有一笔存款，就能从容应对失业、疾病等突发事件。同时，现在股市、基金、银行理财等高收益品种 的风险在上涨，盲目投资很可能会亏掉本金，还不如老老实实把钱存在银行里，至少本金和利息是有保障的。资料显示：2025年上半年，中国居民银行存款 暴增10.77万亿元，创下历史性新高！ 而面对居民存款数量的快速增长，有银行职员提醒大家：一张定期存单，存款+利息不要超过50万。根据我国《存款保险条例》，如果银行出现破产倒闭的 情况，只要储户的存款+利息低于50万，就能很快获得全 ...

Core Points - The core idea of the news is the proactive efforts of Minsheng Bank's Jinan Tianqiao Branch to enhance public understanding of deposit insurance, a crucial system for financial security [1][2] Group 1: Event Overview - Minsheng Bank's Jinan Tianqiao Branch organized a diverse "Deposit Insurance Promotion" event aimed at educating local residents about the deposit insurance system [1] - The event included the distribution of well-designed promotional materials and the establishment of consultation points in community areas to engage with residents directly [1] Group 2: Educational Efforts - The bank provided clear and accessible information about deposit insurance, including its definition, coverage, and maximum compensation limits, through brochures and visual displays [1] - Bank staff actively engaged with customers during transactions, reinforcing the message that deposits are protected under the national deposit insurance system [1] Group 3: Community Engagement - The promotional team from the bank reached out to the community by setting up consultation points in busy areas, distributing materials, and addressing residents' concerns about the safety of their deposits [1] - The initiative aimed to enhance public awareness and trust in the financial system, emphasizing the role of deposit insurance as a cornerstone of national financial security [1][2] Group 4: Commitment to Social Responsibility - Minsheng Bank's Jinan Tianqiao Branch is committed to ongoing financial education as part of its social responsibility, aiming to create a safe and stable financial environment in the Tianqiao District [2]

Core Viewpoint - The launch of the "Deposit Insurance Themed Smart Track Train" in Zhuzhou City represents a significant step in innovating financial knowledge dissemination and enhancing public financial literacy, marking the tenth anniversary of the implementation of the Deposit Insurance Regulations [1][2]. Group 1: Financial Education Innovation - The Zhuzhou Smart Track system is utilized as a platform for promoting deposit insurance knowledge, embodying the "finance for the people" concept and aiming to make deposit insurance information accessible to the general public [2][3]. - The train operates for 14 hours daily over a week, providing mobile advertising for deposit insurance to a wide audience, thereby increasing public awareness [2][3]. Group 2: Interactive Learning Experience - The interior of the themed train serves as a mobile classroom, featuring informational brochures and interactive games to engage passengers in learning about deposit insurance [3][4]. - The use of a voice system to broadcast deposit insurance knowledge enhances the educational experience for commuters [3]. Group 3: Community Engagement - The designated deposit insurance theme station is designed to create a vibrant promotional atmosphere, with staff providing one-on-one consultations and distributing educational materials [4]. - A total of 3,485 promotional brochures were distributed, reaching approximately 4,000 individuals, indicating a successful outreach effort [4]. Group 4: Public Perception and Impact - Public feedback indicates a significant increase in awareness and understanding of deposit insurance, with many citizens expressing greater confidence in the safety of their deposits [4][5]. - The initiative not only serves to educate the public but also reinforces the government's commitment to safeguarding financial security for citizens [5].

Core Viewpoint - The People's Bank of China Yibin Branch has effectively utilized cultural tourism to enhance public awareness of deposit insurance, celebrating the tenth anniversary of the Deposit Insurance Regulations through innovative promotional activities [1][2][3][4] Group 1: Promotional Activities - Over 800 promotional events have been held in Yibin City since the beginning of the year, reaching more than 100,000 people and significantly increasing public awareness of deposit insurance [1] - Various promotional methods include large LED screens on prominent buildings, themed trains, and engaging activities in tourist spots, making deposit insurance knowledge accessible to the public [2] - The integration of traditional cultural elements, such as ethnic crafts and local dialects, has made the promotion of deposit insurance more relatable and engaging for different demographics [3][4] Group 2: Community Engagement - The use of local dialects and cultural references in educational sessions has helped bridge the gap in understanding deposit insurance among rural populations [4] - Schools have incorporated deposit insurance themes into art competitions and sports events, fostering a culture of financial literacy among younger generations [4] - The initiative aims to ensure that knowledge of deposit insurance permeates various community levels, from urban centers to rural areas, thereby strengthening financial security for all [4]

Core Viewpoint - The article emphasizes the importance of the deposit insurance system in safeguarding the financial security of citizens, particularly the elderly, as it marks the tenth anniversary of the Deposit Insurance Regulation in 2025 [1][2] Group 1: Deposit Insurance System - The deposit insurance system is based on national credit and serves as a "firewall" for the funds of millions of depositors, especially protecting the elderly from financial risks [1] - The China Bank Shanghai Branch actively promotes deposit insurance awareness through various innovative methods, focusing on the elderly demographic [1] Group 2: Public Engagement and Education - During the promotional activities in May and June, the bank emphasized a dual approach of "finance + elderly care," engaging with senior citizens through events at senior universities and nursing homes [1] - At the recently concluded 2025 Shanghai International Elderly Care, Aids, and Rehabilitation Medical Expo, the bank created an interactive zone themed "Ten Years of Deposit Insurance, Protecting Thousands of Families," using engaging formats to make financial knowledge accessible [1] Group 3: Community Response and Future Plans - Attendees expressed appreciation for the bank's efforts in making complex banking policies understandable, highlighting the importance of financial education for the elderly [2] - The bank plans to continue enhancing its financial services for the elderly and improve public financial literacy, contributing to a safe and stable financial environment [2]

Group 1 - The core idea of the article is to enhance public awareness of deposit insurance and strengthen financial stability through a themed promotional event organized by the Guizhou branch of China CITIC Bank [1] - The event featured a unique combination of a walking activity and a deposit insurance awareness campaign, titled "Ten Years of Deposit Insurance, Building Dreams on Financial Foundations," aimed at engaging employees and the public [1] - The promotional materials were designed to be accessible and understandable, translating complex financial concepts into simple language for the general public [1] Group 2 - The Guizhou branch of China CITIC Bank plans to continue its "Finance for the People" initiative, focusing on four key demographics: the elderly, children, newcomers, and expatriates [2] - The bank aims to innovate and conduct more scenario-based educational activities that are closely aligned with people's daily lives, making financial knowledge dissemination a regular practice [2] - The goal is to contribute to regional financial security and protect the public's financial interests through enhanced community engagement [2]

Core Viewpoint - The deposit insurance system plays an irreplaceable role in safeguarding the public's finances and maintaining financial stability, with the People's Bank of China (PBOC) in Chaoyang City actively promoting awareness and understanding of this system through innovative outreach and education efforts [1] Group 1: Implementation and Outreach - Since the implementation of the Deposit Insurance Regulations in 2015, the PBOC in Chaoyang has prioritized deposit insurance promotion as a key service to the public, establishing a comprehensive outreach strategy that includes various promotional activities [2] - The bank has utilized over 500 bank branches to disseminate information through LED screens and embedded messages in transaction processes, reaching over 4.2 million depositors and sending nearly 1 million promotional text messages [2] - The bank has organized numerous themed salons and interactive events, engaging over 100,000 individuals in discussions about deposit insurance [2] Group 2: Community Engagement and Special Activities - The PBOC has integrated deposit insurance promotion with cultural and tourism activities, such as setting up booths at events and distributing promotional materials during local festivals, reaching over 20,000 visitors [3] - Over 2,500 promotional events have been conducted, benefiting more than 500,000 people and distributing over 200,000 informational materials [3] Group 3: Targeted Education and Support - The PBOC has focused on vulnerable groups, including the elderly and rural residents, by conducting tailored educational initiatives to ensure understanding of deposit insurance [4] - Activities have included visits to nursing homes and community centers, as well as financial literacy programs in universities, impacting over 10,000 students [4] - A partnership mechanism has been established in rural areas to ensure comprehensive coverage of deposit insurance education, including bilingual materials for ethnic minority communities [4] Group 4: Risk Management and Confidence Building - The PBOC has emphasized the role of deposit insurance in preventing bank runs and supporting the stable development of local small and medium-sized banks [5] - Training and assessments have been conducted to enhance the quality of the promotional workforce, with over 4,000 bank staff receiving internal training [5] - As a result of these efforts, public confidence in the banking system has significantly increased, with deposits in local small and medium-sized banks growing by 150% since 2015 [5]

Group 1 - The People's Bank of China Tianjin Branch organized a series of promotional activities involving 67 banking institutions to enhance public awareness of deposit insurance and protect depositors' rights [1][2] - The theme "Deposit Insurance for Ten Years, Heartfelt Protection" was used to guide banks in creating promotional content, resulting in 66 published articles with a total view count of 81,000 and 418 shares, leading to an overall view count of 177,000 [1] - The use of new media and AI platforms was emphasized to improve the coverage and intelligence of deposit insurance promotion, including the creation of an AI-driven promotional tool called "Deposit Insurance Understanding Person" [1] Group 2 - The Tianjin Branch utilized landmark buildings and electronic screens to enhance the visibility of deposit insurance promotions, with over 5,000 electronic screens broadcasting promotional materials, achieving a total playback volume of over 956,000 times [2] - Community outreach activities were conducted, including 2,516 "Five Advances" events, distributing nearly 100,000 promotional materials and reaching 160,000 people [2] - During the peak usage of shared bicycles, deposit insurance slogans were placed on approximately 200,000 bicycles, spreading awareness throughout the city [2]

Group 1 - The core viewpoint is that the safety of bank deposits is increasingly questioned due to significant interest rate cuts and rising bankruptcies among small and medium-sized banks starting in 2024 [1] - The interest rate for fixed-term deposits has dropped from over 3% in the past three years to 1.9% at state-owned banks [1] - Nearly 200 small and medium-sized banks dissolved in the previous year, indicating a growing trend of bank failures [1] Group 2 - A warning has been issued by bank staff advising against three types of deposits, emphasizing the risks associated with them [3] - High-interest deposits offered by small banks can be attractive, but they often involve higher risks due to the banks' need to invest in high-yield projects to cover the interest [6] - The interest rates for structured deposits are significantly higher than regular fixed-term deposits, ranging from 2.65% to 2.85%, but they carry investment risks that could lead to lower returns than traditional deposits [8] Group 3 - Deposits in banks that do not participate in the deposit insurance scheme pose a significant risk, as these deposits will not be compensated in the event of bank failure [10] - Since the introduction of the Deposit Insurance Regulation in 2015, only deposits up to 500,000 yuan are fully insured, while amounts exceeding this limit are subject to recovery processes [10] - There are still over 600 small banks that have not joined the deposit insurance scheme, making it crucial for depositors to verify the presence of the insurance mark before depositing [10]