Just the other day,Gaosheng Hengsheng Rural Bank, Jinzhou Hengsheng Rural Bank, Huolin Golmengyin Rural Bank, and Beijing Daxing Huaxia Rural Bank, four banks have been approved for dissolution.
In the past two years, many banks have been dissolved, so is it really safe to keep money in such a small bank, although you can get a higher interest?What is the impact on depositors' deposits after the dissolution of the bank?
Although these four banks were approved and dissolved by the financial supervision and administration, and after the dissolution of these banks, there were corresponding banks to take over the relevant debts and depositors' deposit-related issues, relatively speaking, the depositors' various rights and interests were not lost, but they had to change banks to handle business.
According to the relevant national laws and regulations, all banks and insurance institutions are required to join the Deposit Insurance. The Regulations on Deposit Insurance also clearly state that as long as the depositor's deposit is less than 500,000 yuan, even if the bank fails and goes bankrupt, the depositor's deposit can be fully compensated by the insurance company.
Now, according to the Commercial Banking Law, banks are indeed allowed to fail and go bankrupt, but for depositors, as long as the amount of deposits is controlled within 500,000 yuan, even if the bank fails and goes bankrupt, there is no need to worry.
Some netizens may be curious, what if their deposit amount is not well controlled and exceeds 500,000 yuan?Is the excess part just a waste?
In fact, it does not mean that there is no claim for the excess part, according to the compensation situation of the existing failed banks in China, the loss rate of residents' deposits is as high as 100%.
The deposit insurance regulations also clearly state that for the part of the deposit exceeding 500,000 yuan, it is necessary to wait for the bank to go bankrupt and liquidate before being compensated. In other words, if the part exceeds 500,000 yuan, the compensation may be received later.
For example, some small banks such as village and township banks, county rural commercial banks, etc., generally give deposit interest rates that are higher than those of large banks.
The same is to deposit 100,000 yuan, you may deposit the 100,000 yuan in a big bank, and the interest will be less than 2,000 yuan a year, but if you deposit the 100,000 yuan in a small bank, the interest may not only exceed 2,000 yuan a year, but also a variety of gifts can be given.
Due to their small popularity and influence, some small banks generally have a certain amount of pressure in terms of collecting deposits. Therefore, such small banks often carry out deposit activities, customers deposit money in the bank, not only can get a relatively high deposit return, but also the bank will give a series of gifts.
In the village bank in our hometown, the interest rate on a one-year fixed deposit is still 2%, and as long as you go to deposit, you can get a gift. I deposited 100,000 yuan and gave me a 5-liter bucket of branded peanut oil, toilet paper and an electric kettle.
Next door to the Postal Savings Bank, China Construction Bank, Agricultural Bank, the one-year deposit interest rate is only 175%, and the deposit they give away very few points, basically can't be exchanged for anything.
If all these gifts are converted into cash, the same deposit of 100,000 yuan, choosing such a small bank, obviously the return is much higher.
But for small banks, in fact, the higher the interest they give us, the more things they give us, the greater their storage costs, and the higher the risk that such small banks take.
For a bank, its income is mainly derived from the deposit and loan spread, and the higher the deposit and loan spread, the better the bank's income.
Small banks raise the interest rate of deposits, and give more gifts of deposits, which is relatively cheap for banks to compress their profit margins in disguise.
In addition, due to the regulation of relevant policies, the interest rate of loans has been lowered, and although the deposit interest rate of banks has also been reduced, relatively speaking, the deposit and loan spreads of many banks are even the basic 18% is not reached, and this is likely to affect the development of banks.
If a bank wants to operate normally, and the profit generated by the deposit and loan spread is too low, then the bank can only choose some riskier investment products if it wants to get more profits.
If the risk taken by the bank is too high and exceeds the range of what it can bear, then the bank is likely to have operational problems or even be unable to withdraw money.
But for us savers, are these all questions that we don't need to think about?It's not that once the bank really has operational problems, depositors can't withdraw their money, although there is a deposit insurance protection, but no one can say when the claim will be received!
What should you do if you encounter an unexpected situation during this time period and want to use money urgently?I can only look at the bright number on the account, but I can't get the money, so I can only do it in a hurry!
Therefore, when we go to the bank to make a deposit, we should not only look at the income of the deposit, but also pay more attention to the safety of our deposit.
Although there are deposit insurance regulations, and although the loss ratio of residents' deposits has reached 100% in the failed banks across the country, it is impossible for us to put all our life savings in this basket, and this basket may be leaked at any time.
If you want to get high returns, you want to keep your money in this small bank, and it is very necessary to control the deposit amount within 500,000 yuan.
You must know that there are more than 4,000 banks in the country, and the deposit interest rates given by different bank outlets may be different for the same bank, not to mention that there is competition between different banks.
For us depositors,When depositing money in the bank, the most important thing is to ensure the safety of the deposit, and the second is the income.
In order to avoid the real failure of the bank, and to avoid the difficult time when we are waiting for compensation, so when depositing money in these small banks,You might as well go to the Internet to find out how the bank is doing.
If you have been punished by the regulatory authorities many times, or if there are many netizens complaining that there are multiple problems, then you might as well choose another bank.
And there isTo make a deposit in such a small bank, it is best to go to the counter of the bank and ask the staff to issue the corresponding paper deposit receipt.
Friends who have been lawyers should know that a paper deposit receipt contains a lot of information, and if a lawsuit is filed, this paper deposit receipt will be very favorable evidence.
The paper deposit slip will indicate the time of deposit, the amount of the deposit, and the name of the person handling the business, and even their special business seal and the bank's special business seal.
If the bank does fail and go bankrupt, or if there is some kind of dispute with the bank, as long as you have this certificate of deposit in hand, then the bank needs to pay you the deposit and interest.
Although mobile banking, bank cards, apps, etc. can now handle deposits, they also have great convenience, eliminating the need to queue up to bank outlets, but from the various cases on the Internet, the security of paper deposit receipts is self-evident.
The Commercial Banking Law stipulates that banks are now indeed allowed to fail and go bankrupt, but the failure and bankruptcy of banks does not cause any substantial loss to us depositors.
However, if the bank you deposit with does fail, the time spent waiting for the claim is very painful, and it is difficult to use the money in case of an emergency.
If you want to make sure that you don't lose anything on your deposit, you can check the bank's operating conditions beforehand when you make a deposit. Secondly, when handling the deposit, the deposit amount should be controlled within 500,000 yuan, and the bank counter should be used to handle the deposit with a paper deposit receipt.