银行破产最高赔50万？很多人不知道，这三种情况一分不赔！一文说清 前几天陪我妈去小区楼下的银行存钱，她攥着刚取的15万养老钱，在柜台前跟经理磨了半天："我听楼下张姨说，银行要是倒闭了最多赔50万，我这钱 存进来，肯定能保住吧？"经理笑着拍胸脯保证"绝对安全"，可回家路上我跟我妈说："妈，这50万赔偿不是'万能险'，有些情况就算银行真倒闭了，一 分钱都拿不到。"我妈当场就停住脚："还有这事儿？那我这钱可不能瞎存！" 其实不止我妈，身边八成的人都只记住了"银行破产最高赔50万"，却没仔细看《存款保险条例》里的"免责条款"——这50万赔偿有明确的覆盖范围， 真遇到三种情况，就算你存了钱，也拿不到赔偿。 还有一种更坑的情况：有些银行员工私下推销"高息存款"，其实是他们自己搞的"飞单"（不是银行正规业务），你把钱交出去，本质是"被员工骗 了"，就算银行倒闭了，这钱也不算"被保险存款"，一分不赔。 我同事小王去年就在银行买了10万的"结构性存款"，当时银行经理说"跟存款差不多，利息还高"，结果今年听说那家银行风险等级上升，他慌了，去 问要是银行倒闭能不能赔，银保监会的工作人员告诉他："你买的是'结构性存款'，如果合同里写 ...

Group 1 - The core viewpoint is that there has been a significant increase in the number of bank dissolutions and mergers in China, with 184 small and medium-sized banks approved for dissolution in the first five months of 2025, a sevenfold increase compared to the same period last year [1][11] - The reasons for the dissolution and restructuring of banks include large banks dissolving small banks to integrate resources and enhance competitiveness [3] - Increased competition among banks has led to mergers among small banks to form larger institutions, improving their market competitiveness and risk resilience [3] Group 2 - Some small banks are dissolving due to poor management and long-term losses, leading to their acquisition and restructuring by larger banks [5] - Concerns from depositors regarding the safety of their deposits after a bank's dissolution are addressed, indicating that new banks will take over the deposit business of dissolved banks [7] - The safety of deposits is contingent on the type of financial products purchased, with deposits insured up to 500,000 yuan under the Deposit Insurance Regulation [9][11]