Nowadays, with the steady improvement of the economy, the lives of our people are guaranteed and their lives prosperous. Most people deposit their idle money in the bank, thinking that the bank is the safest. But, have you ever thought about what happens if the bank goes bankrupt? You know, the money we deposit in the bank is not fixed, but will be invested by the bank! China has allowed banks to fail, where is the safest place to deposit money from March 31? After reading a long experience
Under normal circumstances, the money we deposit in the bank is used by the bank to make loans, as well as some capital exchanges between the respective banks, and business such as reserves. As early as 2015, my country promulgated regulations, deposit insurance implements a limit payment, and the maximum payment limit is 500,000 yuan. But if the deposit is more than 500,000 yuan, it will be bad luck!
It depends on the specific circumstances of the bank after the property is liquidated, but in many cases it cannot be fully obtained. This means that although the state protects the interests of residents in bank deposits to a certain extent, there are certain restrictions on deposits of more than 500,000 yuan.
Therefore, when people deposit money, they also need to choose a suitable and reliable bank to invest in funds to ensure the safety of funds to the greatest possible extent. First of all, when choosing a bank, it is best to choose the six state-owned banks, namely Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank, Bank of Communications, Postal Savings Bank of China, and Bank of China.
So when we save money, it’s best to choose the six state-owned banks. All of them are backed by the state, so there is no danger of bankruptcy. In addition, many state-owned banks are actually raising deposit interest rates in order to attract depositors, so don’t You suffer big losses because you are greedy for small and cheap. Of course, you can also deposit money in small and medium-sized banks to get a good yield. However, to diversify the savings of several banks, the funds of a single bank should not exceed 500,000.