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In December, 13 banks in China were approved by the China Banking and Insurance Regulatory Commission for dissolution due to poor management and broken capital chains.
The answer is:According to the Commercial Bank Law and the Deposit Insurance Regulations, depositors' deposits are protected by two layers: first, the bank's own capital, and second, deposit insurance**.
The first layer is the bank's own capital
The bank's own capital refers to the funds raised by the bank itself, including share capital, surplus reserves, undistributed profits, etc., which are used to support the bank's business activities and resist risks.
When a bank has a problem, the bank's own capital is first used to repay the depositor's deposit. If the bank's own capital is sufficient to repay the depositor's deposit, the depositor can get his deposit back in full without any loss.
The second layer is deposit insurance**
Deposit insurance** refers to a special project composed of premiums paid by various depository financial institutions in accordance with regulations, which is used to ensure the safety of depositors' deposits.
When the bank's own capital is insufficient to repay the depositor's deposit, the deposit insurance** will pay out according to the standard that the total amount of deposits of each depositor in each bank does not exceed 500,000 yuan.
That is to say, if the depositor's deposit in a bank does not exceed 500,000 yuan, he can get back his deposit in full; If the depositor's deposit in a bank exceeds 500,000 yuan, he can only get back 500,000 yuan, and the excess part will participate in the liquidation and distribution of the bank in the order of creditors.
For those depositors who have deposits in the dissolved bank, they can learn about and withdraw their deposits through the following channels:
1. Pay attention to the announcements of the China Banking and Insurance Regulatory Commission and the Deposit Insurance Corporation
The China Banking and Insurance Regulatory Commission (CBIRC) and the Deposit Insurance Corporation (CDIC) will release relevant information on the liquidation and payment of dissolved banks in a timely manner, including the composition of the liquidation group, the liquidation period, the scope of compensation, the method of compensation, the payment period, etc., and depositors can obtain the latest announcement content through the official website, WeChat news, etc.
2. Contact the bank's liquidation team or the staff of the deposit insurance company
The CBIRC will designate a liquidation team to be responsible for the liquidation of the dissolved bank, and the liquidation team will set up a consultation desk and service desk at the business outlets of the dissolved bank or other designated locations to provide consultation and services to depositors. Depositors can get in touch with the staff of the liquidation team or the deposit insurance company through **, email, on-site, etc., to understand their deposit situation and put forward their own demands and suggestions.
3. Log in to the official website of the Deposit Insurance Company or WeChat*** to inquire and apply for compensation
Depositors can use these platforms to enter their ID numbers, bank card numbers, mobile phone numbers and other information to check their deposit balances in the dissolved bank and whether they are eligible for compensation. If the compensation conditions are met, the depositor can apply for compensation, select the compensation method, fill in the compensation account and other information, and complete the compensation process.