The central bank allows banks to fail and go bankrupt, so what happens to depositors deposits?

China's national savings rate has been ranked first in the world since the 70s of the 20th century. In the eyes of the general public, the failure of the bank is unlikely, and our deposits are very safe. But in fact, bank failures are not uncommon in our country, but in the end, the state treasury will pay for them.

Of course, banks will also fail, and a bank is actually an enterprise, and since it is an enterprise, there is a risk of failure. If the bank fails, the bank will normally make up our deposits, but there are special circumstances, for example, if the bank does not have deposit insurance, then the depositor will not get a penny after bankruptcy. In addition, if you buy a bank's financial products, you will not get a penny after bankruptcy.

In fact, as a large saving country in the world's civilization, China is the most important thing to do, and many people will not invest or manage their finances, so it is relatively safe to put money in the bank at this time. But in reality, it is possible for banks to go bankrupt, and there have been many examples before that. For example, in 2008, the bank invested by Lehman Brothers went bankrupt, and this bank used to be the giant of Wall Street in the United States, the fourth largest bank in the United States, and even such a behemoth would have failed.

In fact, there are some privately held banks in China, for example, some small and medium-sized banks belong to this type, and such privately held banks will be at risk of failure. For example, Hainan Development Bank, Hainan Development Bank is the first bankrupt bank in our country, this bank has a total of 43 **, established in 1995, and has collapsed in 1998, only for three years.

In addition to Hainan Development Bank, there is also Hebei Suning Credit Cooperative, which was the second bank in China to fail, founded in 1956 and announced its collapse in 2012. So from the above information, it is not difficult to see that banks will also fail, but if it is the kind of bank that chooses the state, then the probability of bankruptcy or failure will be much smaller, but it is not absolutely impossible to go bankrupt.

Banks can also fail, but generally state-owned banks do not fail, generally private banks fail. If it fails, it should apply to its parent financial institution to withdraw the deposit.

Yes. However, most banks have very strong strength, and the capital returns are very good, and they generally will not fail. If the bank fails, the depositor's deposit will also be returned to the depositor according to the corresponding actual situation.

Banks generally don't fail. If the bank fails, these deposits may be stolen, and the losses of these depositors will be particularly large.

Almost everyone has a lot of deposits in the bank at the moment, and if the bank fails, will the deposit disappear with it?

It is possible for banks to fail, but the possibility of the Bank of China failing is very small, but it is not without precedent, in 1997-1998, the Hainan Development Bank was closed down by the state because of the broken flow of funds and the inability to operate.

Banks are not as strong as we seem, take real estate as an example, now the vast majority of people are taking out loans to buy houses, once the house price is significantly lower, falling to lower than the loan amount, then most people will choose to hand over the house and stop the loan.

For example, if you originally borrowed 3 million yuan to buy a house, but now the house price has dropped to 1 million in an instant, basically everyone will terminate the loan agreement and hand over the house, which will cause a large area of bad debts, and the bank's assets will shrink rapidly and go bankrupt quickly.

Therefore, there is a possibility that the bank will fail, but under the correct regulation of our country, it will basically not happen.

There is deposit insurance in China, which does not require depositors to pay premiums, and is applicable to banks that have deposit business in Paiqing.

According to the Regulations on Deposit Insurance issued on May 1, 2015, the upper limit of deposit insurance claims is 500,000 yuan, that is, the maximum compensation for insurance is 500,000 yuan.

The deposit is protected, but the bank will not pay for the wealth management product purchased.

That is to say, if the bank fails, except for the deposit destruction and insurance can claim 500,000 yuan, most of the part is left to fate, and any other services will not be compensated.

If the bank fails, and the principal and interest of the depositor's deposit is less than 500,000 yuan, the deposit insurance institution shall compensate the secretary or the depositor within 7 working days. The portion exceeding $500,000 will not be covered by the deposit insurance regulations and will suffer a loss of this part of the assets. This compensation is only for savings deposits, and if you purchase bank wealth management products, then you will not be able to get compensation.

It is recommended that the deposit in a bank should not exceed 500,000 yuan, so as to ensure that the deposit can enjoy the greatest protection.

Under the Deposit Insurance Regulations:

Article 5 Deposit insurance shall be repaid within a limited amount of RMB, with a maximum repayment limit of RMB 500,000. The People's Bank of China, together with relevant departments, may adjust the maximum repayment limit according to factors such as economic development, changes in deposit structure, and financial risk status, and announce it for implementation after reporting for 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.

The repayment methods for social insurance ** and housing provident fund deposits shall be separately formulated by the People's Bank of China in conjunction with relevant departments and submitted for approval.

Generally, there is a deposit insurance system in foreign countries, and the insurance ** pays for the bankruptcy of the bank, but there is an upper limit, and the insufficient part of the depositors or Xixiang will not be compensated.

Domestic banks should be controlled by the state and mainland, and generally will not go bankrupt. Shirt fighting.

1. In order to reduce losses, large deposits should be stored separately as much as possible.

China's deposit insurance system stipulates that if there is a problem with a depositor's deposit, the depositor's deposit will be compensated by the deposit insurance institution, but the compensation is limited. The maximum compensation amount is 500,000, and it is not how much you pay for what you buy. In this way, it is recommended that savers need to put their eggs in multiple baskets.

In this way, if a bank is at risk, it will not lose too much.

2. Do not make long-term fixed deposits, or short-term fixed deposits or current deposits.

Many people choose time deposits in order to get more interest, so we should pay attention to it from today, long-term time deposits are not good for themselves, we need to do short-term time or demand, so as to reduce the risk.

3. We must change our concepts and thoughts.

Don't be superstitious that banks won't fail, be risk-conscious, and always pay attention to their dynamics.

4. Network investment.

We can invest money in Alipay's Yue Bao, you can deposit and withdraw money at any time, and the current interest is higher than that of the bank. For young people, there is no one who does not understand the Internet, deposit to Yue Bao, online shopping is more convenient and fast, and there is interest to collect. With the increase in the number of online shoppers, the flow of funds is faster and the risk is reduced.

You can always keep an eye on what's going on.

5. Investment***.

6. Collect artworks.

If you are an art lover, you can collect some artworks, his appreciation space, needless to say, you also know it. The most important point is to change our mindset, not to be superstitious that banks will not fail, but to be risk-aware.