The impact of bank dissolution on depositors' deposits needs to be analysed on a case-by-case basis. Generally speaking, most depositors' deposits will not be affected much, depending on the specific method of bank dissolution and the size of the deposit.
1.Absorption merger method:This is the current mainstream method of bank dissolution, and the business, property, creditor's rights and debts of the dissolved bank will be taken over by the absorbed and merged bank. For depositors, the interest in deposits will not be affected, except that the deposits will be transferred to the new bank after the merger. If you take out a loan from a dissolved bank, you still need to repay it as agreed. In this case, the deposits of most depositors will not be materially affected.
2.Direct dissolution of the bank:In this case, two scenarios are involved:
If the deposit does not exceed 500,000 yuan: the deposit insurance will be covered to ensure the safety of the deposit, and the depositor's deposit will not be lost.
If the deposit exceeds 500,000 yuan: the excess part of the deposit insurance is not covered, but the law stipulates that the dissolved bank shall be liquidated in bankruptcy, and the depositor has the priority right to be repaid for the repaid assets. Therefore, deposits of more than 500,000 will not be completely lost, but may be exposed to certain risks.
3.Deposit Security Advice:
If you want to keep your deposit in absolute safety, you can choose to keep it with a large bank or a systemically important bank. These banks are so large that they are considered "too big to fail" and have relatively safe deposits.
If you want to get a higher interest, you can deposit your funds in a small bank, but you need to spread the deposit, and it should not exceed 500,000. In this way, even if the bank is dissolved, the risk can be controlled to a certain extent.
In summary, the impact of bank dissolution on depositors' deposits will vary on a case-by-case basis, but most depositors' deposits will not be overly affected with appropriate bank selection and risk control. Therefore, choosing a reliable bank, diversifying deposits, understanding deposit insurance policies, etc., are all effective measures to improve the security of deposits. Banks