Group 1 - The article discusses the risks associated with bank failures and the importance of understanding deposit insurance for depositors [1][4] - It highlights that under China's deposit insurance system, deposits plus interest below 500,000 yuan are fully compensated if the bank fails, covering 99% of depositors [6] - The article emphasizes the need for depositors to choose banks wisely, recommending that they prefer joint-stock banks for better interest rates and safety compared to small banks [8] Group 2 - It advises depositors to diversify their large funds across multiple banks to minimize risk, suggesting that keeping deposits below 500,000 yuan in any one bank is prudent [10] - The article warns that purchasing bank wealth management products does not qualify for compensation under the deposit insurance system in case of bank failure [12] - It cautions against being lured by high-interest rates offered by small banks, as these may lead to liquidity issues if the banks invest in high-risk projects [15]

Group 1 - The banking deposit market has undergone significant changes, with deposit rates continuously declining to historic lows, exemplified by a drop in the one-year fixed deposit rate from 2.25% to 1.35%, representing a decline of over 40% in a short period [1] - There has been an increase in bank bankruptcies, with examples including Liao Yang Rural Commercial Bank and Taizihua Village Bank announcing their closures [1] - Some banks are experiencing inverted deposit rates, where the three-year fixed deposit rate of 1.55% is higher than the five-year rate, indicating a shift in depositor preferences towards shorter-term deposits [4] Group 2 - It is advised for depositors with over 300,000 in savings to be aware of four key considerations: understanding the deposit insurance system, diversifying deposits across different banks, maintaining liquidity, and avoiding being lured by high-interest deposits [4] - According to the central bank's deposit insurance system, deposits plus interest up to 500,000 are fully compensated in the event of a bank's bankruptcy, while amounts exceeding this limit may face losses after liquidation [6] - Depositors are encouraged to spread their funds across multiple banks to mitigate risks associated with potential bank failures, with a preference for joint-stock banks due to their higher interest rates and better safety compared to rural and commercial banks [8] Group 3 - Maintaining liquidity is crucial, as many depositors prefer locking funds in three or five-year fixed deposits, which can lead to liquidity shortages if funds are needed unexpectedly [10] - A strategy is suggested where depositors with 300,000 can divide their funds into three parts, investing in one-year, two-year, and three-year fixed deposits to ensure annual liquidity [10] - Depositors are cautioned against being attracted by high-interest rates offered by small and medium-sized banks, which often exceed those of state-owned banks by over 1%, as these banks may engage in high-risk investments that jeopardize deposit safety [12]

Group 1 - The perception that banks are unlikely to go bankrupt is misleading, as several banks have declared bankruptcy in recent years, including Taizihhe Village Bank and Liaoning Commercial Bank, with expectations of more small and medium-sized banks facing similar fates in the future [1][4] - Three main reasons for the bankruptcy of small and medium-sized banks include weak market competitiveness and risk resistance, off-balance-sheet operations leading to uncollectible loans, and misuse of depositor funds by major shareholders [4][6] Group 2 - Depositors are advised to understand the deposit insurance system, which guarantees full compensation for deposits and interest up to 500,000 yuan in the event of a bank's bankruptcy [8][9] - It is recommended that depositors diversify their funds across multiple banks, ensuring that deposits and interest at each bank do not exceed 500,000 yuan to minimize risk [9][10] Group 3 - Understanding the risk profiles of different banks is crucial, with state-owned banks generally offering the highest safety but lower interest rates, while small and medium-sized banks provide higher rates but with increased risk [12][14] - High-interest deposit promotions by small and medium-sized banks can indicate higher risk, as these banks may invest deposits in high-yield projects that carry significant risk [14][16] Group 4 - Depositors should verify whether a bank participates in the deposit insurance scheme, as only insured deposits are protected up to 500,000 yuan in case of bankruptcy [16]

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]

Group 1 - The core issue is the increasing number of bank bankruptcies and dissolutions, with 195 small and medium-sized banks announcing closures in 2024 alone. Four banks are under scrutiny for potential dissolution, restructuring, or acquisition due to their inability to meet regulatory minimum requirements [1][4]. - The four banks have non-performing loan ratios ranging from 5.9% to 8.7%, significantly higher than the industry average of 1.8%. Additionally, their capital adequacy ratios are consistently below regulatory standards, with one bank reporting a capital adequacy ratio of only 4.3% as of the end of 2024 [4]. Group 2 - The deposit insurance system in China guarantees full compensation for deposits up to 500,000 yuan in the event of a bank's bankruptcy. Deposits exceeding this amount will be compensated based on the liquidation of the bank's assets and liabilities [6]. - It is recommended that depositors diversify their savings across multiple banks, ensuring that no single bank holds more than 500,000 yuan to safeguard their funds [6]. Group 3 - The safest deposits are found in the six major state-owned banks, although they offer lower interest rates. In contrast, small and medium-sized banks provide higher interest rates but come with increased risk [8]. - Depositors are advised to consider placing their funds in joint-stock banks, which offer a balance of better safety compared to small banks and higher interest rates than state-owned banks [8]. Group 4 - Many small and medium-sized banks attract deposits through high-interest rates, which can deviate significantly from market averages. For instance, if a small bank offers a 3-year deposit rate of 2.85% compared to the state-owned bank's 1.9%, this could indicate potential risk [10]. - High-yield investments associated with these deposits may lead to liquidity crises if the investments do not perform well, jeopardizing deposit safety [10]. Group 5 - It is crucial for depositors to verify whether a bank participates in the deposit insurance scheme, as only 4,066 out of over 4,600 banks in China are enrolled. Deposits in banks not covered by this insurance will not be compensated in the event of bankruptcy, even if they are below the 500,000 yuan threshold [13].