Many people know that there is a banking insurance system in China, and for the insured bank, even if the bank goes bankrupt, the depositor has a bankruptcy compensation ceiling of 500,000 yuan. Therefore, when many people deposit money, they will pay attention to the deposit in a bank does not exceed 500,000 yuan. However, some people are curious, if more money is kept in one bank, such as 1 million yuan in the same bank, is it safe?What do you think about this?
Theoretically safe
1. Bank bankruptcy is a small probability event and will not go bankrupt easily.
There are more than 4,000 banks in our country, and only a few have gone bankrupt so far, and most of them are doing well. If 1 million yuan is deposited in the same bank, there is a high probability that it will not go bankrupt, and depositors do not have to worry about the safety of deposits.
Although there are sometimes some high-risk banks or other banks that are not operating well in China, the bankruptcy of banks is a major event, which will affect the safety of many depositors' funds, and if some of the more important banks go bankrupt, they may also trigger a systemic crisis, so the regulators generally will not let the banks go bankrupt easily, but will take some other ways to deal with them.
For example, in 2023, 10 village and township banks across the country have been approved for dissolution, and the rights and obligations of these banks have been inherited by the large banks in which they have a stake, and depositors can directly go to these large banks to withdraw money and transfer money, which actually has no impact on the safety of depositors' funds.
2. Even if the bank goes bankrupt, it often has a corresponding treatment plan.
When the bank goes bankrupt, the depositor's 500,000 yuan of principal and interest and funds can be fully protected. The excess will be paid on a pro-rata basis after the bankruptcy liquidation. Previously, Baoshang Bank went bankrupt, although according to the liquidation, depositors in excess of 500,000 yuan may not be compensated in full. However, China guarantees the safety of depositors' deposits, and later, with the intervention of public funds, the funds of individual depositors have been fully repaid. Therefore, even if a depositor deposits 1 million yuan in the same bank, he basically does not have to worry about the safety of the deposit.
However, it is not safe in some special cases
However, in some special cases, let alone saving 1 million yuan, even if you deposit 10,000 yuan, it may not be safe to exceed the upper limit of bankruptcy compensation of 500,000 yuan, that is, you accidentally encountered some routines. For example, in some information, sometimes we will see that there are deposits that have been turned into financial management, deposits that have been pledged, and deposits that have been misappropriate......d by bank employees
If you want to save safely, learn to learn from some information. For example, in the above information, some people's savings are misappropriated because they trust acquaintances who work in banks. Some people's savings become financial management because they don't have a firm idea when they save money, and they hear the bank staff say that a certain product may enjoy high interest rates, so they deposit it without delving into it.
We can avoid these aspects, try not to make similar mistakes, we can try to choose the passbook as the medium, and check whether the money is still waiting after depositing money.
However, considering the balance of security and profitability, it is not recommended to keep all the money in the same bank, and it can be stored in several banks, some of which are large banks such as state-owned banks or joint-stock banks, and some of which are small and medium-sized banks with higher interest rates, so as to enjoy high interest rates as much as possible. If you want to better increase your value, you can also take care of it with the help of savings bonds, bank change and financial management, some general trends of foreign trade economic consignment, 100,000 yuan of profit per month, or ** fixed investment.
In short, it is safe to deposit all 1 million yuan in a bank, what do you think about this?