There are basically only two factors that determine whether a bank can survive for a long time. First of all, how many people in its economy have saved money here, and then how many loans it has lost, and whether the loans can be recovered in time and played back in time. This is his reputation and the foundation of his survival, but this is not his main profit direction. His main profit direction is investment. Investing in other banks or buying some stock futures is his real profit, but these things are very risky. If he makes mistakes in investing in large projects, the capital chain may break.
Under the system of our country, the four major banks are not allowed to fail because banks are the most stable deposit institutions in people's minds. If all the banks fail, people will really find no place to trust. Having money at home will have a great impact on social stability, so our country's system will not let banks escape easily. Some small banks may fail several times because of the broken capital chain, but the big four banks will not. We can safely store the money there. As long as our money doesn't exceed 500,000, even if the bank can't receive the national principal and interest guarantee, we will return our principal and interest in full.
Putting money in the bank is a relatively stable investment method, but strictly speaking, its return on investment is too low. If an individual has a certain investment mind, it is also a good choice to choose a stable money fund or stock, but although the latter has certain high returns, the risk is really high. If he is a very conservative and steady investor, it is still not recommended to contact these.