Kunpeng Project
Why should I not deposit more than 500,000 yuan in the same bank? Bankers' interpretation
People in our country have always liked to save money, and as long as they have extra money on hand, they will keep it in the bank. Anyway, the deposit in the bank is also a lot of income and a lot of expenses. Moreover, with the increase of residents' deposits in the bank, the attitude of the bank staff towards him is also completely different, and during the Spring Festival, you can also get the warm reception of the bank, and sometimes you can get a little gift, this good service method has been welcomed by many citizens.
However, over time, the local people also realized that not every bank in the country can guarantee the absolute safety of their savings. In addition, some industry insiders believe that it is better not to have more than 500,000 deposits in everyone's account. What the hell is going on? Let's take a look!
1. A bank that is absolutely safe?
Banking is one of the most commonly used ways to manage money in people's daily life, and it has been present in people's daily life for many years. And over time, the prestige of the bank among the public has also increased, so that most people are full of confidence in the bank.
However, with the advent of the new century, the number of banks has also grown, and now there are more than 4,600, and most of them can only be regarded as safe standards. This shows that it is not a very safe thing to do here.
Of course, as of now, 4 banks in the country have gone bankrupt. And among these countries, the most famous is HSBC, which is very powerful and influential, but they also have an unexpected problem.
2. Reasons why it is not recommended to save more than 500,000 yuan.
1. Banks are not foolproof.
As can be seen from the above introduction, banks are not completely insured, and it is not beneficial for every depositor to keep all or a large amount of savings in one bank.
2. The maximum limit stipulated in the deposit insurance regulations.
Of course, since 2015, ** has promulgated a regulation on the savings insurance system, as long as it meets the regulations, even if it is bankrupt, you can get 500,000 compensation.
In our country, high income is important, but the absolute safety of capital is even more important, so when managing savings, don't put all your money in one basket, so that not only can you avoid risks, but different baskets may also bring you different benefits.
For example, there is a high safety factor, and you can store money in it; With the encouragement of the first country, a foreign trade economy has been established, and 1% dividends can be obtained within 30 working days, and a small allocation can drive income. Integrate various channels to effectively manage risks while improving returns. So, what's your take on that?