存款安全网：即便银行倒闭，您的资金也受层层保护 当银行倒闭的传言甚嚣尘上，储户心中难免泛起涟漪，焦虑情绪油然而生。然而，请您不必过度惊慌。在中国健全的存款保险制度之下，您的每一分钱都早 已被牢牢守护。 核心保障：50万元以内，本息全额无虞 最关键的一点，请您务必牢记：只要您的存款不超过50万元人民币，无论发生何种情况，您的本金和利息都将得到百分之百的赔付。这并非一句空话，而是 有法律法规作为坚实后盾。 存款保险制度：您的资金守护神 1. 法律基石与保障范围 在中国境内，所有吸收存款的金融机构，无论是大型商业银行、地方性合作银行，还是农村信用合作社，都必须依法加入存款保险制度。这意味着，一旦发 生不幸，作为存款人的您，在同一家银行的所有账户（包括活期、定期、大额存单等）的本金与利息合并计算，最高可获得50万元人民币的赔付。需要注意 的是，这项保障仅限于存款类产品，银行代销的理财产品、基金、保险等非存款类投资，则不在其列。 分散风险，确保万全：给您的两点贴心建议 为了让您的资金安全再添一层保障，我们为您梳理出以下两点至关重要的建议： 建议一：大额资金，分散布局，规避单一风险 1. 核心策略： 如果您在某家银行的总 ...

Core Viewpoint - The article highlights the proactive measures taken by Minsheng Bank's Jinan Construction Road branch to enhance public awareness of the deposit insurance system, coinciding with its tenth anniversary, aiming to protect consumers' deposits and strengthen financial security [1][2][3] Group 1: Promotional Activities - The branch organized a themed promotional event titled "Deposit Insurance for Ten Years, Protecting Your Deposits" on September 9, 2023, to educate the public about the deposit insurance system [1] - Various promotional methods were employed, including distributing brochures, displaying posters, and conducting micro-salons in the waiting area to explain key concepts of deposit insurance in simple terms [1][2] - The promotional activities reached over 450 individuals, with more than 200 informational materials distributed, significantly increasing public awareness and recognition of the deposit insurance system [3] Group 2: Targeted Outreach - The promotional team engaged with different community groups, including elderly residents and local merchants, providing tailored information about the benefits of deposit insurance and how to identify financial risks [2] - One-on-one consultation services were offered to elderly clients, ensuring personalized assistance and addressing specific inquiries [2] - Online channels, such as WeChat, were utilized to broaden the outreach, featuring educational content and short video explanations to enhance the campaign's impact [2] Group 3: Future Plans - The branch plans to integrate deposit insurance education into its regular financial services, conducting ongoing staff training to ensure accurate information dissemination [3] - A long-term promotional strategy is being developed, which includes innovative outreach methods like community financial knowledge competitions and scenario-based simulations [3] - The branch aims to strengthen partnerships with local communities and businesses through regular follow-ups and collaborative initiatives to address public concerns and contribute to regional financial stability [3]

Core Viewpoint - The deposit insurance system is a crucial foundation for financial security and stability in China, serving as an important guarantee for depositors' rights and safeguarding household assets [1] Group 1: Promotion Activities - Minsheng Bank's Shanda Road Micro Branch organized a promotional event themed "Ten Years of Deposit Insurance, Protecting Thousands of Families" to enhance public awareness of the deposit insurance system [1] - The branch utilized its physical location as a primary promotional platform, displaying eye-catching deposit insurance promotional boards and playing promotional videos on electronic screens [1] - Bank staff actively engaged with customers, explaining deposit insurance knowledge and addressing inquiries to ensure every customer understood its importance [1] Group 2: Community Engagement - The promotional team also set up a booth in a community activity square, hanging banners and distributing materials to educate residents about deposit insurance [1] - Staff used simple language and real-life examples to explain key aspects such as coverage scope and compensation limits, ensuring residents could easily understand and remember the information [1] - An interactive Q&A session was designed specifically for the elderly, using a prize-based format to encourage participation and enhance understanding of deposit insurance knowledge [1] Group 3: Impact and Future Plans - The promotional activities resulted in over 300 materials distributed and served more than 200 residents, effectively deepening the public's understanding of deposit insurance [2] - The Shanda Road Micro Branch plans to continue expanding the scope of deposit insurance promotion through diverse methods, fulfilling its social responsibility as a financial institution [2]

许多4S店员工表示，平时工作繁忙，很少有机会系统学习金融知识，尤其是对存款保险这类专业性较 强的政策了解不多。此次民生银行上门宣传，不仅让他们感受到了金融机构的贴心服务，还增强了他们 对资金安全的信心。"原来存款保险是国家为我们存款人提供的一道安全网，以后存钱更放心了！"一位 员工在听完讲解后感慨道。 为进一步普及存款保险知识，提升社会公众对金融安全的认知和信心，近日，民生银行济宁任城支行组 织工作人员走进济宁某4S店，开展了一场以"存款保险，守护您的'钱袋子'"为主题的金融知识宣传活 动。此次活动通过面对面的交流与讲解，将金融政策与便民服务送到企业和群众身边，取得了良好的社 会反响。 民生银行济宁任城支行相关负责人表示，存款保险制度是我国金融安全网的重要组成部分，对维护金融 稳定和增强公众信心具有重要意义。此次选择在4S店开展宣传，一方面是考虑到企业员工和客户群体 的多样性，另一方面也是希望将金融服务融入日常生活场景，让金融知识传播得更广、更深入。 未 来，民生银行济宁任城支行将继续开展形式多样的金融知识普及活动，走进更多企业、社区和学校，助 力构建和谐、稳定的金融环境。 活动现场，民生银行济宁任城支行的工 ...

Group 1 - The core viewpoint of the news is that China Minsheng Bank's Jinan Wendon Branch actively promotes deposit insurance awareness to enhance financial consumer rights protection and public trust in the deposit insurance system [1][2] - The bank established a dedicated promotional team and organized a special meeting to clarify the theme, schedule, and content of the deposit insurance campaign [1] - A consultation desk for deposit insurance was set up in the bank's lobby, where service managers introduced deposit insurance policies and distributed promotional materials to customers [1] Group 2 - The bank extended its outreach by conducting deposit insurance promotional activities in the community, targeting different demographics with tailored approaches [2] - For elderly individuals, staff explained the coverage and the 500,000 yuan compensation limit in simple terms, using real-life examples to illustrate the importance of deposit insurance for retirement savings [2] - The promotional activities reached over 300 people, distributing more than 300 informational brochures, thereby enhancing public understanding of deposit insurance and strengthening trust between the bank and consumers [2]

在很多人看来，把钱存在银行里面是最放心的，虽然存款利率越来越低。但本金和利息还是有保障的。不过，银行也有破产倒闭的情况发生。之前就有海南 发展银行、河南肃宁县尚村信用社、汕头市商业银行、包商银行。近些年，国内又有太子河村镇银行、辽宁商业银行因各种原因，而宣布破产倒闭。 而面对部分银行出现的破产倒闭，有很多储户提出："如果银行破产倒闭，储户的存款能否取出来？该如何存钱才能更加安全呢？"对此，我们建议储户应该 了解以下这5点内容，只有这样存款才能更放心。让我们一起来了解一下： 第一点，应了解存款保险制度 根据我国存款保险制度：只要这家银行参加了存款保险，储户存款+利息低于50万，如果遇到该银行倒闭，可以获得全额赔偿。之所以把上限设置在50万。 主要是这个额度可以覆盖国内99%的存款人。 需要说明的是，储户存款+利息超过50万的这部分，要等到接管的金融机构对破产银行的债权和债务进行清算之后，再按照一定比例进行偿付。所以，存款 +利息超过50万的这部分，还是有可能会遭受损失的。 如果储户想把钱存入某家银行，就应该先了解一下，该银行是否有存款保险标识。如果有就可以放心存入。资料显示，全国有4600多家银行，其中有400 ...

Group 1 - The core idea of the articles is the promotion of financial knowledge and awareness of the deposit insurance system by Zheshang Bank's Hefei branch, which aims to enhance public understanding and contribute to regional financial stability [1][2] - The bank conducted a series of activities during the "Financial Knowledge Promotion Month" in September, benefiting over a thousand citizens through a multi-layered financial safety net [1] - The bank upgraded its deposit insurance promotional facilities across six branches, featuring a themed exhibition and various visual communication methods to enhance public awareness [1] Group 2 - Zheshang Bank's Hefei branch implemented the "Shanben Five Advances" strategy to disseminate financial knowledge to grassroots communities, including activities in neighborhoods, schools, enterprises, rural areas, and senior centers [2] - Specific initiatives included interactive financial education sessions in schools, tailored presentations for workers on wage security, and lectures in local dialects to build trust in small financial institutions among farmers [2] - The bank remains committed to its "Shanben Financial" philosophy, focusing on professional and humanized financial services to ensure asset safety and promote social equity [2]

Core Viewpoint - The article highlights the efforts of Minsheng Bank's Weifang Anqiu branch in promoting deposit insurance knowledge to enhance public financial literacy and consumer protection [1][2]. Group 1: Promotional Activities - The branch organized a deposit insurance promotional event from September 1 to 5, focusing on the core concept of "Finance for the People" [1]. - Various innovative promotional methods were employed, including the use of LED screens and in-branch displays to create a strong awareness atmosphere [1]. - The branch utilized social media platforms and SMS to disseminate deposit insurance knowledge, broadening the outreach of the campaign [1]. Group 2: Customer Engagement - The lobby manager distributed promotional materials to every visiting customer and provided face-to-face explanations, addressing customer inquiries about the coverage and compensation limits of deposit insurance [2]. - Staff used simple language and real-life examples to explain the functions and benefits of deposit insurance, enhancing customer understanding of the policy [2]. - Special attention was given to elderly customers, with tailored explanations to boost their confidence and sense of security regarding financial matters [2]. Group 3: Impact and Future Plans - The promotional activities resulted in over 1,000 materials distributed, more than 500 customer consultations, and outreach to over 2,000 community residents [2]. - The branch plans to continue innovating promotional formats and conducting financial knowledge dissemination activities to contribute to regional financial stability and a harmonious financial environment [2].

近年来，银行存款市场出现了大变样：一方面，存款利率在持续下跌，并且创下历史新低。以1年期定存为例，之前的利率是2.25%，现在只有1.35%，储户 存款利息在短期内跌幅超过40%。另一方面，银行出现破产倒闭的情况越来越多。之前就有辽阳农村商业银行和太子河村镇银行这两家银行宣布破产倒闭。 除此之外，部分银行的存款利率出现倒挂现象，就是3年期的定期存款为1.55%，要高于5年期的定期存款。而出现利率倒挂的现象，主要是现在储户更倾向 于把钱存3年期定存，所以银行就相应上调了3年期定期存款的利息。 而对于银行存款的大变样，有业内人士提醒大家：从9月起，家里有30万以上存款的要注意4点情况。它们分别是：①要了解存款保险制度；②要把钱分散存 入不同银行；③要保持手里资金的流动性；④不要被高息揽存所诱惑。让我们一起来了解一下： 第一，先要了解存款保险制度 根据我国央行公布的存款保险制度，如果银行出现破产倒闭的情况，储户存款+利息在50万以内的可获得全额赔付，存款+利息在50万以上的，则要等要破 产银行被清算之后，再按一定比例进行赔付，这就要提醒存款在30万以上的储户，存款+利息最好不要超过50万，否则超出的这部分有可能会受 ...

白银商业银行成立于2019年。之前曾有资产过快速扩张，总资产从成立时的56亿元迅速扩张到2023年的178亿元。而资产疯狂扩张的背后，就是为了逃避金 融监管，将表内业务表外化，导致其出现高风险的业务结构，以及内部风控系统很脆弱。到了2024年初，该行出现了严重的流动性危机，最终审计结果显 示，该行实际资产缺口高达43亿元。 而面对现在中小银行破产倒闭的情况越来越越多，储户最关心的是存款的安全问题，不过，大家也不必过于担心。我国早在2015年就正式实施存款保险制 度，为每位储户提供最高50万的存款保障。数据数据，这一保障水平能够覆盖到99.6%的储户全部存款。 不过，在银行破产情形下，存款保险制度为储户提供了基本保障，但并非所有的钱都能得到赔付。以下这三种情况下，储户可能面临分文不赔的风险： 近些年，银行破产倒闭的情况是越来越多。最近，国内又有2家银行被依法宣布破产清算。这两家分别是位于辽宁营口沿海银行和甘肃的白银行市商业银 行。根据官方公布的数据，这两家银行的资产负债率均超过97%，已经是资不抵债。而不良贷款率分别高达15.7%和17.2%，远超行业平均水平的1.8%。 第一种，就是中小银行没有参加存款保险。 ...