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Postal service is a kind of financial insurance, which does not necessarily guarantee the principal. After all, it is an insurance product. Although there is some security, the risk is still a bit.
Postal "Getting a Good Start" belongs to the insurance category, which is jointly launched by the Postal Savings Bank and the insurance company * * * *. The main forms are annuity insurance and universal insurance. A good start is the wealth management annuity insurance vigorously sold by major insurance companies from the end of the year to the beginning of the following year. In view of the high-yield products of the Postal Savings Bank, it is first necessary to clarify the attributes of the products. If the bank is responsible for sales, it is necessary to pay attention to whether it is an insurance wealth management product sold by the bank. The deposit insurance system refers to the insurance institutions established by various deposit financial institutions. As the insured, all deposit institutions pay insurance premiums to them according to a certain proportion of deposits and establish deposit insurance reserves. When a member institution has an operational crisis or faces bankruptcy, the deposit insurance institution provides financial assistance to it or directly pays part or all of its deposits to depositors, thus protecting the interests of depositors.
On the one hand, the relationship between deposit insurance subjects is paid, that is, the insurer can only get financial assistance after the insured bank pays the insurance premium according to the regulations, or the depositor can only get compensation when it goes bankrupt; On the other hand, it is mutual assistance. In other words, deposit insurance is realized through the mutual assistance of a number of insured banks. If only a few banks are insured, the insurance fund is small in scale and it is difficult to bear the liability for compensation to depositors when banks go bankrupt.