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]

近些年，银行破产或解散的情况越来越多。之前就有太子河村镇银行、辽宁商业银行等银行宣布破产。此外，仅2024年就有195家中小银行宣布解散。而在 最近，银保监会公布最新名单显示，有四家中小银行将面临解散、重组或被收购的可能。这四家银行分别是山西省某城商行、内蒙古某农商行、广东省某农 商行、江苏省某农商行。 第二点，了解不同银行的风险情况 现如今，存款安全性最高的是6大国有银行。不过，这6大国有银行的存款利率比较低。而像农商行、村镇银行等中小银行，给出的存款利率会相对更高一 些，但安全性却不如国有银行。于是，不少储户感到很为难，不知该把钱存在哪里。 对此，我们的建议是，储户可以把钱存到股份制银行。因为，股份制银行的安全性要比中小银行好，而存款利率又比国有银行更高，基本上可以满足储户既 要存款安全，又要存款利率高的要求。 而以上这4家银行之所以会被银保监会列入重点监管名单，主要问题是其无法达到监管的最低要求：一方面，这4家银行的不良贷款率在5.9%至8.7%之间， 这远高于行业1.8%的平均水平。另一方面，这四家银行的资本充足率均长期低于监管要求。以山西某城商行为例，截止2024年底，该行资本充足率仅为 4.3%， ...