"Bank" is a familiar word. In our lives, all of us have dealt with banks more or less. Whether it is saving money or loan, it is inseparable from banks.
In the wave of rapid economic development in the past, the banking industry has also blossomed, and the overall number has increased sharply. According to relevant dataThe large and small number of banks adds up to more than 4,000, including large state -owned banks, joint -stock commercial banks, local banks, private banks, etc.
As the economic contraction, real estate downturn and other factors, the numberThe development of payment has made the business outlets of many banks look very deserted.
Therefore, some banks business outlets will form a waste of resources and increase operating costs.Facing the fact that the dissolution is in front of you, especially some small and medium -sized banks, the dissolution and merger may be an imminent reform. So in this case, can the deposit be withdrawn once the bank is dissolved?Some people are worried that the bank deposits after the dissolution will not be collected. In fact, you need to pay attention to these 3 points when depositing money.
First, whether the bank has deposit insurance logos, people who have done business to the bank must also find it.The "deposit insurance system" logo is affixed to the place, which also shows that the deposit of money is relatively safe, because even if the bank is closed, the deposit will be protected.System banks are very important.
Second, do not deposit more than 500,000 in the same bank, because the upper limit of the payment insurance system issued by the central bank is 500,000, so once the amount exceeds this amount, if the bank fails is unfortunate, it will occur unfortunately, and the bank fails occurs.Well, more than some funds are not guaranteed. In order to ensure that safety funds are controlled within the scope of safety, if the amount is too large, it can be split to multiple banks.
Third, try to choose large banks to save money. Whether large banks are large-scale, operating capabilities, and profit levels, they are exceeded.Therefore, the probability of problems is reduced, and there are many business outlets of large banks, and it will be more convenient to handle business.
In summary, it is certain that the banking industry is facing a large shuffle. Some banks will have to disband and merge, and even individual small banks may still fail. Of courseThe merger or bankruptcy is that as long as the bank with the deposit insurance system is added, the depositors deposit deposits can be removed within 500,000, but in the future, pay attention to the above three points.
