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 ...

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 ...

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].