800,000 deposited in the bank, if the bank goes bankrupt and fails, how much money can be withdrawn?

I think it's possible that we won't be able to withdraw any of this money, so when we choose a bank to deposit money, we must choose a bank that is guaranteed.

At least 500,000. The state can provide a back-up guarantee for the total principal and interest of the same account within 500,000 yuan, and the remaining assets need to be settled by the bankrupt bank depending on the repayment situation.

Generally speaking, it should not be able to be withdrawn, and it can only be claimed after the bank is executed bankrupt.

Legal analysis]: Bank deposit of 1 million yuan and compensation of 500,000 yuan for bank failure. If the deposit in a bank is greater than 500,000 yuan, when the bank fails, it can only pay the depositor a maximum of 500,000 deposit insurance compensation, and the rest of the money will not be compensated to the depositor.

One of the traditional approaches of the deposit insurance corps to failed banks.

Legal basisArticle 5 of the Regulations on Deposit Insurance shall be subject to a maximum repayment limit of RMB 500,000. The People's Bank of China, together with the 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 the implementation after reporting for approval.

Summary. Legal Analysis]: Bank deposit of 1 million yuan and compensation of 500,000 yuan for bank failure.

If the deposit in a bank is greater than 500,000, when the bank fails, it can only pay the depositor a maximum of 500,000 deposit insurance compensation, and the rest of the money will not be compensated to the depositor, and the money is also included in the bank's loss amount, because it is the deposit insurance that pays for its own funds, not the bank itself. One of the traditional approaches of the deposit insurance corps to failed banks.

How much does a bank lose if it has a bank deposit of 1 million.

Legal Analysis]: Bank deposit of 1 million yuan Bank Chunwanglu collapsed compensation of 500,000 yuan. If the deposit in a bank is greater than 500,000 yuan, when the bank fails, it can only pay the depositor up to 500,000 yuan of deposit insurance compensation, and the rest of the money will not be compensated to the depositor, and the money is also included in the bank's loss amount, because it is the deposit insurance that pays for its own funds, not the collapse bank itself.

One of the traditional approaches of the deposit insurance corps to failed banks.

Legal basis]: Article 5 of the Regulations on Deposit Insurance The maximum repayment limit of the deposit insurance is RMB 500,000. The People's Bank of China, together with the relevant departments, may adjust the maximum repayment limit according to factors such as economic development, changes in the deposit structure, and financial risk conditions, and announce the implementation after reporting for approval.

Then how do you say that you can't deposit 1 million in a bank.

That's too risky.

Hello, just sent the news that the conditions of the national law are the most accurate.

There's a number written on it.

500,000 in a bank deposit.

After the bank fails, the deposit of 500,000 yuan will receive a compensation of 500,000 yuan (the maximum compensation after the bank bankruptcy is 500,000 yuan, and the full compensation will be implemented slowly if it is less than 500,000 yuan), and the deposit and allocation insurance institution will repay the deposit within 7 working days after the bankruptcy application is accepted by the regulatory authority.

In this case, if the bank fails, it can compensate up to 500,000 yuan, and the compensation amount is paid by the deposit insurance management agency, not by the noisy bank, so there is no situation where the bank has no money and cannot compensate.

If the deposit is less than 500,000, you can compensate in full, and if the deposit is greater than 50, you can only pay 500,000.

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.

Can the bank fail and the deposit can be recovered?

According to the provisions of China's Commercial Bank Law, whether or not a bank can withdraw its deposits after a bank fails depends on the specific circumstances, and the bank will pay the principal and nuclear interest on the personal savings deposit only after the bank has paid the bankruptcy expenses and the wages of the employees.

Law of the People's Republic of China on Commercial Banks

Article 71 Where a commercial bank is unable to pay its debts when due, the people's court shall declare it bankrupt 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 institution and other relevant departments and relevant personnel to set up a liquidation team to carry out liquidation.

When a commercial bank defends itself in bankruptcy liquidation, it shall, after paying the liquidation expenses, the wages owed to the employees, and the labor insurance expenses, give priority to the payment of the principal and interest of the individual savings deposits.

Article 72 A commercial bank shall be terminated upon dissolution, revocation or declaration of bankruptcy.

The bank will pay according to the situation, and the money deposited in the bank failure will be paid differently depending on the amount. If the bank deposit is less than 500,000, you can pay the full amount. If the deposit is higher than 500,000, it depends on the situation.

Users who deposit more than 500,000 yuan can be dealt with in two situations if they cannot be fully compensated.

1.Liquidation is carried out according to the bank's ** condition, but this situation is only carried out as a last resort. The bank will first compensate the users who have paid less than 500,000 yuan, and then pay the part of the more than 500,000 yuan after the settlement of all aspects.

2.Mergers with other banks. Because the specific credit limit of a credit card is not exactly the same for each bank, and the credit card limit applied for by each person is also different, the specific credit limit shall prevail at the time of the card.

3.Generally, people with good credit, stable work income, and good repayment ability apply for a higher credit limit. Liquidation of users according to the bank ** condition.

This situation is carried out as a last resort. After the bank has paid the user less than 500,000 yuan, the part of the compensation above 500,000 yuan will be paid after the settlement of all aspects is completed. In general, it is paid on a pro-rata basis.

For example, if you have 2 million deposits in the bank, but the bank can only pay you 500,000 yuan first, and the remaining 1.5 million yuan will be liquidated according to the proportion of the bank's remaining funds allocated to each user.

But the highest seems to be 600,000.

At present, bank deposits are basically insured by deposits, and they can be compensated within 500,000 yuan.