A bank deposit of 500,000 yuan refers to an individual or a family

With a personal account, you can deposit the entire family's money into one person's account.

It means that the deposit in a bank should not exceed 500,000. When a bank goes bankrupt, depositors with deposit principal and interest of less than RMB 500,000 (inclusive) can be fully compensated; The part exceeding 500,000 depends on bankruptcy liquidation.

After the asset situation, there may be no penny, and compensation may be proportionate.

Deposit Insurance Regulations.

Article 5 Deposit insurance shall be subject to a maximum repayment limit of RMB 500,000. People's Bank of China.

In conjunction with the relevant departments, the maximum repayment limit can be adjusted according to factors such as economic development, changes in deposit structure, and financial risk status, and shall be announced for implementation after approval.

If the amount of funds calculated by the principal and interest of all insured deposit accounts of the same depositor in the same insured institution is within the maximum repayment limit, the full amount shall be repaid; The part exceeding the maximum repayment limit shall be compensated from the liquidation property of the insured institution in accordance with the law.

After the deposit insurance** management institution repays the depositor's insured deposit, it obtains the depositor's claims against the insured institution in the same order of repayment within the scope of the repayment amount.

1) Premiums paid by the insurance institution;

2) Property distributed in the liquidation of the insured institution;

3) the income obtained by the deposit insurance management institution from the use of deposit insurance**;

4) Other lawful income.

Article 7 The deposit insurance management institution shall perform the following duties:

1) Formulate and publish rules related to the performance of their duties;

2) Formulate and adjust deposit insurance premium rate standards and report them for approval;

3) Determine the applicable rates of each insured institution;

4) Aggregate premiums;

5) Management and application of deposit insurance**;

6) Adopt early corrective measures and risk disposal measures in accordance with the provisions of these Regulations;

7) To repay the depositor's insured deposit in a timely manner within the limits specified in these Regulations;

8) Other duties approved by ***.

The deposit insurance management agency is determined by ***.

Bank deposits cannot exceed a maximum of 500,000 and are for a particular bank and not for the same household. On March 31, 2015, the Deposit Insurance Regulations were promulgated and came into effect on May 1, 2015. People's Bank of China.

Responsible for the deposit insurance system.

implementation, with a maximum reimbursement limit of RMB 500,000.

Hello, you want to say. Is a family's 500,000 savings considered a wealthy family? He doesn't count for now.

Too wealthy family, but also a wealthy family. Because a deposit of 500,000 is also a large number. In an ordinary family, she is still a high-class family.

Because the average family income is relatively low. There is no income that is too high. It's also very difficult to save 500,000 yuan.

So 500,000 is also considered a wealthy family. Being able to save 500,000 yuan is sure that the family's income is also very high, and there is a fixed income every year. That's why it's a wealthy family.

Although now a family has a few 100,000 is nothing. Because after all, the people's living standards have improved, and it is normal for families to have a little savings. But 500,000 is still a big number for an ordinary person.

Some jobs earn only two or three thousand yuan a day and a month. You still have to use money in your life, and the rest of the money every month is insignificant. If you want to change it to 500,000, how many years do you say it will take?

And families of this income. In a small place in general, there are still a lot. That's all there is to the monthly income.

There are also expenses. So it's 500,000 too. It's not easy.

500,000 in such a family, that is a wealthy family. He has no worries, at least in case of emergency, he will have a certain amount of savings.

Modern society. Millions or even tens of millions of things happen from time to time, and they are reported from time to time. For these, after all, it is.

Minority. Only a few people have this. Deposits or income.

Now I feel the best income. The highest-paid ones are celebrities. The income of entertainment stars is simply too high.

There are tens of millions, millions, trillions, hundreds of millions at every turn. Let our little people really be out of reach. Special envy.

They have such a good income. I don't know why they make money so easily and so quickly. I remember that there is a celebrity who spent 200 million on a marriage and 200 million are ordinary people.

How many families? How many families can't earn in a lifetime. Together, you can't earn it.

Two hundred million. For most families, it is. Astronomical.

Lifetime. I can't even fight for a few lifetimes. So for those of them it is easy to earn money.

Really. Somewhat. It makes people feel unfair, but there is no way, people have this talent to have this talent.

We should still tax them a little more on our income. It depends on the people for the people, so that they can give more of their income back to the society and return to the life of ordinary families. Ordinary people.

Also standing on their side has also been some. Day. OK.

In front of these people, 500,000 is nothing, and it may not be enough for people once. A meal is spent. So 500,000 looks like it's compared to whom, if it's compared with these people, it's really a drop in the bucket.

It's incomparable.

A family's savings of 500,000 yuan is not considered a wealthy family, and it may not even be considered well-off, and those who buy or own a house in the city do not have assets of more than 500,000 yuan.

It depends on how long the deposit is, and if you save it for a lifetime, of course it doesn't count.

Hello, according to the inquiry, if a family can save 500,000 a year, it is generally much richer than the average family. Such a family may have the following characteristics:1

High income. The average family income is often limited by region and income class, and if a family can save 500,000 yuan, it means that the family income is likely to be not low. 2.

Spend frugally. Generally, household consumption is relatively large, and income cannot be accumulated, and families who can save 500,000 yuan require that the scope of expenditure and the degree of consumption be properly controlled, and the household expenditure can be well arranged. 3.

Invest wisely. Family savings are more beneficial to income accumulation, but pay attention to the rationality of investment, do not take risks, reasonable investment can produce good returns, and Sun Tsai will increase the family's wealth accumulation. Sincerely hope to help you and wish you a happy life!

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Hello, it's a pleasure to serve you! I am a professional in the field of finance, and I am looking at your question here, please be patient in the inquiry. Smiley.

Agree that because a company may go bankrupt, but it is impossible for a company to go bankrupt, so this effectively diversifies the risk, and the country is paid within 500,000 yuan, so that you can get compensation! Wishing you a blessed Year of the Tiger! Good mood every day Thank you for your support, your praise is extremely important to me, thank you

At present, the risk mechanism of the bank is that if the customer's deposit is less than 500,000, the full amount of the claim will be settled, and if the deposit is more than 500,000, the claim will be made according to the specific situation, so the best choice is not to exceed 500,000.

Because if a bank has an accident and causes the money to be lost, it will only compensate up to 500,000 yuan.

If the bank fails, then the bank pays out only 500,000, and if you deposit more than 500,000, then you will lose.