近日，裁判文书网披露了一则骗贷案，辽宁一家村镇银行被空壳公司骗贷7亿最终破产。 案件文书显示，付某某为开发房地产项目，以69家空壳公司的名义向原辽宁太子河村镇银行 申请贷款，三年时间骗取贷款109笔，合计7亿余元，对银行造成近9000万元的经济损失，最 终导致该银行破产。 值得注意的是，本案为金融机构内外勾结的典型案件。案发期间，原辽宁太子河村镇银行前 后两任均对付某某大开方便之门，"不做贷前调查，尽快放贷"，信贷经理及信贷员以虚假的 贷款材料制作贷款档案。 法院一审判决，付某某犯骗取贷款罪，判处有期徒刑六年十个月，并处罚金500万元，退赔 债务7.09亿元。终审驳回上诉，维持原判。 三年骗贷109笔、7亿余元 内外勾结掏空一家村镇银行 2016年至2019年间，付某某为开发辽宁省灯塔市佟二堡镇东方米兰房地产项目，向原辽宁太 子河村镇银行申请贷款。 付某某是如何通过银行贷款审批的？首先，付某某找到中间人刘某某，让其介绍借名人注册 企业后向银行申请贷款给自己使用，每笔贷款申请成功就能获得5万元好处费。 在"好处费"的诱惑下，刘某某为付某某找来多名借名人。付某某令自己的司机将借名人带到 工商所注册成立了69家企业 ...

Group 1 - The core viewpoint is that while many people believe keeping money in banks is the safest option, the reality is that small and medium-sized banks in China have faced bankruptcies, albeit at a low rate [1][4] - Recent bankruptcies include Liao Yang Rural Commercial Bank and Taizihe Village Bank, with more expected as the central bank allows such failures [4] - The reasons for these bankruptcies include poor management leading to losses, attempts to evade financial regulations resulting in bad loans, and misuse of depositor funds by major shareholders [4] Group 2 - Depositors are concerned about the safety of their funds in the event of a bank's bankruptcy, but understanding certain information can provide reassurance [6] - It is crucial for depositors to check if the bank participates in deposit insurance, as this ensures that deposits up to 500,000 yuan are fully compensated in case of bankruptcy [8][10] - Depositors should limit their total deposits and interest in a single bank to 500,000 yuan to ensure full compensation under the deposit insurance scheme [10] - Depositors should be cautious about purchasing bank wealth management products, as these are not covered by deposit insurance and losses would be borne by the investors in case of bank failure [12]