Group 1 - The safety of deposits has become a growing concern due to changes in depositor demographics and increasing financial risks [1] - Older individuals have traditionally been the mainstay of deposits, but a rising number of young people are now prioritizing savings due to economic uncertainties and risks associated with high-yield investment channels [1] - The central bank has initiated monitoring of large transactions exceeding 100,000 yuan to enhance deposit safety and prevent financial crimes [3] Group 2 - The central bank emphasizes the importance of recognizing the "deposit insurance mark" when saving, as it provides reliable protection for deposits [5] - Several banks in China have declared bankruptcy in recent years, highlighting the necessity of the deposit insurance mechanism [5] - Deposits under 500,000 yuan are fully covered by the deposit insurance in case of bank failure, while amounts exceeding this threshold are subject to proportional compensation after asset liquidation [7] Group 3 - The measures taken by the central bank, including monitoring large funds and promoting deposit insurance, aim to effectively mitigate financial risks and enhance deposit safety [7][8] - Understanding the deposit insurance mechanism and being cautious with large transactions are crucial for depositors to safeguard their funds [8]