When the bank goes bankrupt, can the depositors take out all the money they have deposited in the ba

Can't take it out, because the bank goes bankrupt and there is no money to give to those who deposit.

At that time, I couldn't take it out. Bank bankruptcy means that the bank has no money, but the bank in disguise is your debtor, and you can collect from him.

Of course, the money will be returned, but there is a limit to the amount. The depositor can only receive a maximum of 500,000 yuan in compensation, that is, if it is less than 500,000 yuan, the bank will compensate in full, and the final compensation amount will be compensated proportionally according to the bank's liquidation results. So don't worry.

According to the Commercial Banking Law of our country.

Whether or not deposits can be withdrawn after a bank failure depends on the specific situation. Banks can only pay the principal and interest of personal savings deposits after paying bankruptcy expenses, employee salaries, etc. If a commercial bank is unable to pay off its debts when due, the people's court shall declare bankruptcy in accordance with law with the consent of the banking regulatory authority.

If a commercial bank is declared bankrupt, the people's court shall organize the banking regulatory authority and other relevant departments and personnel to set up a liquidation team for liquidation. When a commercial bank goes bankrupt and liquidates, it shall, after paying the liquidation expenses, wages owed to employees, and labor insurance expenses, give priority to the payment of the principal and interest of personal savings deposits. Since January 2014, when Yan Qingmin, vice chairman of the China Banking Regulatory Commission, said at the "Peking University Economic and Wealth Forum" that the China Banking Regulatory Commission is planning to speed up the introduction of bank bankruptcy regulations, bank bankruptcy has become a hot topic in the domestic financial community.

It is generally understood that the state will no longer disclose the base of depositors' deposits in commercial banks and allow banks to go bankrupt. In the event of a bank's bankruptcy, depositors' deposits are compensated by the deposit insurance agency, but for a certain amount.

Extended information: 1. Banks are financial institutions established in accordance with the law to engage in monetary and credit business, and are the products of the development of the commodity and monetary economy to a certain stage. Banks are one of the financial institutions, and banks are divided into ** banks and policy banks according to their types.

Commercial banks, investment banks.

World Bank, their responsibilities vary.

2. **Bank: that is, the People's Bank of China.

It is the best bank in our country. Bank card refers to a credit payment instrument with all or part of the functions of consumer credit, transfer and settlement, cash deposit and withdrawal, etc., which has been approved by commercial banks (including postal financial institutions) to be issued to the public.

3. Bank cards have reduced the circulation of cash and checks, so that the banking business has broken through the limitations of time and space, and has undergone fundamental changes.

There are credit and debit cards.

4. In addition, bank cards can also be divided into magnetic stripe cards and chip cards according to different information carriers.

According to whether the issuer is in China, it is divided into domestic card and overseas card; According to the different issuance objects, it is divided into individual cards and unit cards; According to the different account currencies, it is divided into RMB card, foreign currency card and dual currency card.

If the bank fails, the bank can make a claim within a certain limit, and if the amount is relatively large, it generally does not make a claim.

There is a rule that if a bank fails, if the depositor has less than 500,000 yuan, he can get the full compensation. If it is more than 500,000 yuan, it is necessary to liquidate the bank's compensable asset limit. There is also the possibility that the depositor may not receive compensation, which means that the deposit is lost.

The main reason is that there are problems in the bank's internal system or management, and there is also that the principal of the wealth management product is not lost, the income is not up to standard, and the insurance is changed. And if there is a cash crisis in the products sold by the bank and the funds are lost, then you can only consider yourself unlucky.

Now the bank has regulations, if the bank fails, if the deposit of less than 500,000 yuan in the bank can be taken out, but more than 500,000 yuan may not necessarily be compensated so much.

If the bank fails, it may be acquired by other banks, so there is no problem with those below 500,000, and if they are above 500,000, you don't have to think about it.

This is the money deposited in the bank that collapsed, can it still be taken away? If a weak bank fails, you can take all the money you have deposited in it, but you can take all the money below 500,000 yuan.

If the bank goes bankrupt, depositors don't have to worry too much and the money in the bank will be very safe。The state has established a multi-layered protection system in this regard, which can prevent customers from suffering unnecessary losses.

Point 1: Banks are a very safe financial institution

Although a bank is also a company, it is not a simple matter to set up a bank, and it is only possible to establish a bank with great financial strength. In China, there are two types of banks, one is state-owned banks.

This bank belongs to the state, that is, our people's own, so there is no need to worry about security. The second type is private banks, such as Minsheng Bank.

Ping An Bank, and private individuals want to establish Liangming Bank has a very high threshold, the relevant departments of the state will conduct various assessments and investigations on the strength of this bank, and the commercial law stipulates that the establishment of a national commercial bank with registered capital.

The minimum is 1 billion yuan, and only when the slag file confirms that the strength of this company is indeed strong, they will be allowed to set up a bank to carry out business.

Point 2: Banks have strictDeposit insurance system

The so-called deposit insurance system refers to the fact that banks need to pay a large amount of risk deposit before opening for businessPeople's Bank of ChinaThere, and this money is used to protect the safety of depositors' funds in case of financial risks in the bank. According to state regulations, in the event of a bank bankruptcy, depositors can receive compensation of up to 500,000 yuan. Taking Beijing as an example, the per capita deposit in Beijing is about 200,000, so even if the bank has operational risks, the 500,000 yuan can completely cover the losses of depositors.

So, to sum up,The bank is oneSafety factorVery high financial institutions, in the opening and day-to-day operation of banks, have strictRules and regulationsand management system, China's China Banking Regulatory Commission will also conduct regular inspections of banks to prevent microscopic problems. Even in the event of a bank bankruptcy, the depositor's money in the bank will be covered by insurance. The probability of failure of financial institutions such as banks is very low.

Many people know that the bank is a business that makes money without losing money, because the bank is mainly a middleman business, which collects the money of ordinary people, and then concentrates on lending this money to other people to earn intermediate interest. And the bank's decision to lend the money to is also checked at various levels, so the possibility of an extreme situation such as bankruptcy is very low.

Banks have an official rubber background, so there is no need to worry about bad luck in this regard, after the bank goes bankrupt, the customer's money will be made up, but if Liang Qingchun's amount is too large, it may need to be refunded in installments.

Shantou Bank went bankrupt, and depositors could get back up to 50w yuan. If it is not enough, we will divide the remaining assets of the bank according to the proportion of the remaining deposits.

The bank will pay because there is a central bank behind the bank, and we can go to the central bank to withdraw money, so there is no need to think too much.

If the bank goes bankrupt, the depositor's money can also be withdrawn, and the bank will pay the corresponding share.

There are laws to protect the rights and interests of depositors.

<> banks will not lose all of their debts due to the collapse of the bank. According to the "Deposit Insurance Regulations" of China's banks, the scope of the compensation of 500,000 yuan includes: RMB deposits, foreign currency deposits, personal savings and deposits of enterprises renewed by the insured banks, and does not include treasury bonds.

Treasury bonds are bonds issued and repaid by the lead state, and banks are only agency sales agencies of treasury bonds, and are not responsible for repayment.

Legal analysis: according to China's bank deposit regulations, bank depositors can get up to 500,000 yuan in compensation to the bank as early as possible, that is to say, the money you deposit in this bank with closed branches, the principal plus interest is less than 500,000 yuan, then the bank will compensate in amounts, if your Peimin deposit exceeds 500,000 yuan, then you need to wait for the bank to liquidate, give you a certain amount of compensation, so the general small savings users, do not need to worry about the occurrence of this matter.

Legal basis: Article 5 of the Regulations of the People's Republic of China on Deposit Insurance shall be subject to 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.

The bank bankruptcy deposit can be taken back by Zheng Linglao. A bank is a financial institution established in accordance with the law to engage in monetary and credit business, and is a product of the development of the commodity money economy to a certain stage. A bank is one of the financial institutions, and banks are divided into the following types according to their type:

**Banks, policy banks, commercial banks, concessionaires, investment banks, World banks, all with different responsibilities. **Bank: That is, the People's Bank of China is the ** bank of China.

State-owned policy banks: including the Export-Import Bank of China, the Agricultural Development Bank of China, and the China Development Bank. State-owned commercial banks:

Including Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, Postal Savings Bank of China, Bank of Communications, etc. Franchised institution: refers to the institution set up by a commercial bank for the promotion of a specific area of business of the bank, which is different from the traditional branches; Investment Banking:

Including Goldman Sachs, Morgan Stanley, Citigroup, Wells Fargo, UBS, Societe Generale, etc. World Bank: Used to finance countries to overcome poverty, institutions have a unique role to play in their mission to alleviate poverty and improve living standards.

The correct solution is as follows: After the implementation of the deposit insurance clause, as long as the depositor deposits a one-time deposit in the bank and the deposit amount is less than 500,000 yuan, he can get full compensation. If it is said that the part exceeds 500,000 yuan, it will be compensated proportionally according to the situation after the bank's assets are liquidated.

The following issues need to be noted: 1. Deposit term, 2. Deposit into financial management, 3. Automatic rollover.

Two more banks went bankrupt, will depositors be able to withdraw their money? Deposit needs to be noted.

After the implementation of the deposit insurance clause, as long as the depositor has a one-time deposit in the bank and the deposit amount is less than 500,000 yuan, he can be fully compensated. If it is said that the part exceeds 500,000 yuan, it will be compensated proportionally according to the situation after the bank's assets are liquidated. The following issues need to be noted:

1. Deposit term, 2. Deposit into financial management, 3. Automatic rollover.

Related expansion: Since May 1, 2015, China has officially implemented the "Deposit Insurance Regulations". Among them, the "Regulations on Deposit Insurance" clearly stipulates that deposit insurance shall be repaid within a limited limit, and the maximum repayment limit shall be 500,000 yuan.

Specific compensation method: full compensation below 500,000 yuan, Lique Insurance Company will give you full compensation. If you deposit more than 500,000 yuan, you will not be able to get full compensation.