After the bank goes bankrupt, the husband and wife will each receive 500,000 yuan in compensation from the bank’s insurance, totaling 1 million yuan.

Our country implemented the "Deposit Insurance Regulations" on May 1, 2015, which stipulates. Banks need to insure their savings users. When the bank encounters bankruptcy, the deposit insurance shall implement a limit reimbursement, with the maximum reimbursement limit being RMB 500,000.

It should be noted that the maximum repayment limit here refers to the amount of funds calculated based on the combined deposit principal and interest of all insured deposit accounts of the same depositor in the same insured institution. It is based on individuals rather than on a per-person basis. Calculated on a household basis.

So in a situation like the one mentioned above, both husband and wife can get compensation for their 500,000 savings, which is paid by the insurance company. However, the interest income brought by 500,000 yuan has exceeded the maximum reimbursement limit, and the insurance company will not pay compensation.

If the amount exceeds 500,000, the depositor can only wait for the bank to liquidate, calculate the liquidation rate, and then obtain compensation according to the asset-liability liquidation rate. But since a bank is going bankrupt, it usually means it is insolvent. In this case, it is estimated that there will not be much assets left. In this way, there will be no remaining funds to pay depositors' interest on their deposits.

Therefore, it is also recommended that wealthy people choose bank deposits, and deposit up to 500,000 in one bank. When making deposits, try to choose some large state-owned banks. If something happens to these banks, the state will not care. The risks are much smaller, so the principal and interest will be much safer. If you want to get a higher rate of return, you can use other investment methods. The deposit interest rates between different banks will not differ too much.

Hello friends, I am very happy to answer your question; in fact, you should rest assured about this question. The couple each deposited 500,000 yuan in their own names. According to the current deposit regulations issued by the central bank The insurance regulations stipulate that the amount does not exceed 500,000 yuan. Even if the bank goes bankrupt, it will be within the normal scope of compensation, so you don’t have to worry at all.

Because the current bank deposit insurance regulations emphasize the total deposit limit of each person, not the total deposits of a family or the total deposits of a couple, which must not exceed 500,000 yuan. So this is actually a flaw or loophole in the current deposit insurance system. This policy flaw is good news for you, my friend. You can avoid the loss of your family's deposit property through such deposit insurance regulations.

Moreover, you can also go to different banks to make deposits in the names of your children and parents, and you can enjoy the policy benefit of a huge compensation of 500,000 yuan. I think in this case, as an ordinary family, your savings should not suffer much loss.

Friends, this policy revision or change is entirely possible. Everyone should be prepared for a rainy day and invest part of their savings in other value-maintaining and value-adding investment channels instead of depositing all in the bank in order to diversify family property risks and ensure There is no worry about family wealth shrinking or losing. I wish you good luck and success in managing your finances, and enjoy a happy life!

According to the "Deposit Insurance Regulations" that came into effect on May 1, 2015, if a bank goes bankrupt, deposit insurance will impose a limit on reimbursement. The maximum reimbursement limit is RMB 500,000. The maximum reimbursement here is The limit refers to the amount of funds calculated based on the combined principal and interest of all insured deposit accounts of the same depositor in the same insured institution, and is calculated on an individual basis rather than a household basis.

If the total principal and interest of all deposit accounts of the same depositor in the same bank is within 500,000 yuan, full compensation will be paid; the portion exceeding 500,000 yuan will be recovered from the liquidated property of the depository bank. compensation.

Therefore, if a couple deposits 500,000 yuan in the same bank in each of their names, when the bank goes bankrupt, the deposit insurance fund management agency can pay 500,000 yuan to the couple respectively. . As for the interest, it is difficult to say whether it will be reimbursed from the liquidation property of the depository bank.

Many people are familiar with the saying that eggs cannot be put in the same basket.

The same goes for deposits.

Try to choose large state-owned banks with sufficient funds and strong risk resistance. Choose 2-3 major state-owned banks for deposits. The accounts were divided into 200,000-300,000 yuan and stored in different bank accounts of the couple.

This is convenient for withdrawing interest. If the deposit period can be staggered, for example, the total deposit amount can be divided into five accounts of 200,000, one deposit for one year, and two for two years. , 2 deposits into a 3-year period, thus staggering the deposit periods. After each deposit matures, it is deposited into a three-year fixed term, so that there is interest that can be withdrawn every year. Even if you are in a hurry to use money, you can withdraw the one with the longest maturity time, and the interest loss will be minimal.

The couple each deposits 500,000 yuan in the bank. If the bank goes bankrupt, both people can get compensation for the 500,000 yuan, but the interest part will be compensated in proportion after the assets of the bankrupt bank are liquidated.

According to the "Deposit Insurance Regulations" implemented on May 1, 2015, if the bank goes bankrupt, the maximum repayment limit is RMB 500,000.

This 500,000 yuan is calculated including the principal and interest of the deposit. If the sum of the principal and interest is less than 500,000, the full compensation can be paid. If it is greater than 500,000, the insurance company will pay a maximum compensation of 500,000. After part of the bank assets are liquidated, compensation will be paid on a pro rata basis.

So according to your situation, if the bank goes bankrupt, the insurance company will definitely pay compensation for your couple’s 1 million principal, but the interest and benefits will depend on the liquidated bank assets.

In addition, this maximum reimbursement amount is not static.

The maximum reimbursement amount will be dynamically adjusted according to the level of national economic development and residents’ income. However, this adjustment project is huge and complex, and it should not change in the short term. Even if it changes, according to my country’s economic development , should also increase.

The "Deposit Insurance Regulations" are aimed at individuals, not families, so if a couple each deposits 500,000 yuan in the same bank, each of them will have to pay 500,000 yuan, and one person will be compensated. 1 million yuan.

What are deposit insurance regulations?

Depositors deposit money in the bank, and the bank must pay premiums to the deposit insurance fund. If the bank goes bankrupt due to poor management, it must apply to the court for bankruptcy procedures, and with the approval of the State Council, it must withdraw from the deposit insurance fund within 7 days. The fund compensates depositors with money.

Among them, depositors’ deposits of less than 500,000 yuan will be 100% compensated. The part above 500,000 yuan does not mean that they will not be compensated, but that they will have to wait until the bank’s bankruptcy procedures are completed to see what is left in the end. How much can you lower to compensate depositors?

The deposit insurance regulations are aimed at individuals, not families. According to statistics, 99.63% of depositors in our country have deposits of less than 500,000 yuan, so they cover a very wide range of people and can protect the vast majority of people. Most depositors’ funds are safe.

Should you deposit money at a big bank or a small bank?

I recommend staying in a small bank, because as long as it is a bank, it will be supervised by the China Banking and Insurance Regulatory Commission and must pay premiums. Amounts below 500,000 yuan are equally safe, but the deposit interest rates of small banks are much higher. Higher than large banks, so the level of safety is about the same, but the interest rates vary greatly, so it’s natural to choose a small bank. If it exceeds 500,000 yuan, it is best to choose two or more small banks to deposit.

Judging from the current deposit interest rates of various banks, joint-stock banks have the lowest interest rates, followed by state-owned banks. The deposit interest rates of city commercial banks and rural credit cooperatives are relatively high.

If they go bankrupt in the future, the couple will each receive a compensation of 500,000 yuan, which adds up to a total of 1 million yuan. You may know the existence of the "Deposit Insurance Regulations", but you may not be aware of it. The deposit insurance regulations have detailed provisions, so Xiaocai will talk about it. The following is the fifth article of the regulations.

The understanding of this passage is that the maximum compensation for the interest and principal of all accounts of a person in a bank is 500,000 yuan. Although the couple is a family, they are two people, so they can Each received 500,000 yuan.

The provisions of the terms are that the maximum compensation for the sum of interest and principal is 500,000 yuan. The sum of principal and interest generated by a deposit of 500,000 yuan will definitely exceed 500,000 yuan. Each person can get two parts. compensation. One is within the maximum accompanying payment limit, which is 500,000 yuan, and the other is "received from the liquidated property in accordance with the law." This means that if there is still some property after bankruptcy and liquidation, the direct property will be distributed to the depositor. This part The possibility of compensation is very small because there may not be any remaining funds when a bank fails.

Therefore, the compensation received by each person will definitely be greater than or equal to 500,000 yuan. It is possible to exceed 500,000 yuan, but it will basically not exceed 500,000 yuan.

Of course the bank may go bankrupt and there are risks, otherwise what would the "Deposit Insurance Regulations" be used for! But only one bank failed. It was many years ago, and the deposit insurance fund had not actually been compensated to depositors, because the regulations were promulgated after the collapse of Hainan Development Bank, and no bank has gone bankrupt since then. The probability of bank failure is close to 0.

I can tell you with certainty that if both husband and wife each deposit 500,000 yuan in the same bank, each person can receive 500,000 yuan in compensation after the bank goes bankrupt.

Article 5 of my country's "Deposit Insurance Regulations" clearly stipulates that if the combined amount of the deposit principal and interest of all insured deposit accounts of the same depositor in the same insured institution is within the maximum repayment limit, Full reimbursement will be implemented; the portion exceeding the maximum reimbursement limit will be reimbursed from the liquidated property of the insurance institution in accordance with the law.

In other words, the current deposit insurance regulations protection is calculated based on the individual working in the same bank, not the family, so no matter you are married or not, as long as you have the same ID card If your account is deposited in the same bank, everyone will have a limit of 500,000 protection.

And this 500,000 deposit is the protection limit of all your deposits in the same legal entity bank. For example, you deposited 300,000 in the Beijing branch of a joint-stock bank and deposited in the Shenzhen branch. 200,000, and you deposited 400,000 in the Shanghai branch, which is equivalent to having three deposit accounts in this joint-stock bank.

If one day the bank fails due to poor management, then the combined limit of your three accounts, within 500,000, is protected by the deposit insurance regulations, while the amount exceeding 400,000 is not protected by the deposit insurance regulations, but needs to Repaid through liquidation.

The 500,000 limit currently protected by deposit insurance regulations includes principal and interest. No matter how much your principal is or how much your interest is, the principal and interest add up to 500,000 per day. amount of protection.

For example, your question says that you have a deposit of 500,000 yuan. If you deposit 500,000 yuan for three years, the annual interest rate is 4.18%. After maturity, you will receive 62,700 yuan in interest. Under normal circumstances, after maturity, You can get a total of 562,700 yuan including principal and interest. But if the bank goes bankrupt after your deposit expires and you are unable to withdraw money normally, then of the 562,700 yuan, only 500,000 yuan can be repaid unconditionally. Whether the other 62,700 yuan can be repaid depends on the bank's liquidation proceeds. Whether there is enough money to pay.

I often see many friends on the Internet saying that the current deposit insurance regulations in our country only protect a limit of 500,000. Does this mean that if the bank goes bankrupt, deposits exceeding 500,000 cannot be recovered?

This understanding is actually a misunderstanding. Although my country's current deposit insurance regulations only protect amounts within 500,000, it does not mean that deposits exceeding 500,000 cannot be retrieved. In fact, individuals with more than 500,000 Thousands of deposits were still repaid through bankruptcies.

And even if the bank really goes bankrupt one day, the bank's assets should be enough to cover all personal deposits, because our country currently has strict assessments on banks' capital adequacy ratios and banks' non-performing ratios. Once the bank's After the capital adequacy ratio and non-performing ratio exceed certain indicators, the regulatory authorities and the deposit insurance fund may impose special treatment on the bank at any time.

For example, Article 15 of my country’s Deposit Insurance Regulations stipulates that if the deposit insurance fund management agency discovers that the insured institution has insufficient capital or other circumstances that affect the safety of deposits and the safety of the deposit insurance fund, it may issue a risk warning to it.

Article 16 stipulates that if the capital adequacy ratio of an insured institution drops significantly due to major asset losses or other reasons, seriously endangering the safety of deposits and deposit insurance funds, the insured institution shall follow the instructions of the deposit insurance fund management agency, The People's Bank of China and banking regulatory agencies require timely measures to replenish capital, control asset growth, control credit for major transactions, and reduce leverage ratios.

Therefore, under strict supervision, even if it is relatively difficult for a bank to go bankrupt, even if it really has to go bankrupt one day, the bank should still have enough assets to repay individual users. of deposits.

On May 1, 2015, our country officially implemented the "Deposit Insurance Regulations".

The "Deposit Insurance Regulations" stipulate that the maximum limit for limited reimbursement is currently 500,000 yuan, which may be increased in the future.

The maximum limit of 500,000 yuan is for a depositor, including natural persons and institutions. The "Regulations" stipulate that if the combined amount of the deposit principal and interest of all insured deposit accounts of the same depositor in the same insured institution is within the maximum repayment limit, full repayment will be implemented.

So, there is no need to worry about the relationship between natural persons and institutions. Whether you are a couple, a father and a son, or an institution run by an individual, as long as you are recognized by the Central Bank as an independent depositor, you can enjoy an insurance coverage of 500,000.

Deposit insurance provides a maximum compensation of 500,000 yuan, including principal and interest. Therefore, it is not cost-effective from a risk perspective for us to directly deposit in a bank with the maximum limit of 500,000 yuan. For example, we can deposit 400,000 yuan, and if the interest does not exceed 500,000 yuan, we will be fully protected.

The portion exceeding RMB 500,000 cannot be repaid, but it will have to wait until the bank is bankrupt and liquidated, and it will have to be reimbursed from the liquidated property of the insurance institution in accordance with the law. This repeating order is generally not too early, because the order of compensation is stipulated.

The order of priority is bankruptcy expenses and profit debt.

The first priority is the arrears of employee wages, medical expenses, economic compensation and other expenses.

The second priority is arrears of taxes and social security fees.

The third priority is debt expenses such as corporate arrears.

However, sometimes depositing more than 500,000 yuan in one place is a last resort, because the starting point for some large-denomination certificates of deposit in banks is 500,000 yuan, and of course the preferential interest rate can also reach 40% to 50%.

It is worth reminding everyone that bank financial products are not covered by the deposit insurance system. Because it is issued by the bank on behalf of the bank, it takes an independent channel. The good news is that even if the bank goes bankrupt and there is no problem with the financial management operation, our income and principal are completely guaranteed.

The bad news is that even if a bank operates normally, if the products it sells do not perform well and lose principal, it has nothing to do with the bank.

Deposit Insurance Fund, where does this money come from? There are three main aspects: the premium paid by the insurance institution; the property distributed in the liquidation of the insurance institution; and the income obtained by the deposit insurance fund management institution from the use of the deposit insurance fund.

Therefore, in reality, there are indeed some small and medium-sized banks or local banks that offer more favorable interest rates in order to attract deposits. Of course, their lending also has many risks, but if we strive for insurance, we try not to deposit more than 50 If you really want to exchange the principal of 10,000 yuan, you can use the names of two or three depositors to ensure that the money deposited by each depositor in the bank does not exceed 500,000 yuan. At the same time, you must find out whether it is a financial product. Even structured deposits are also financial products. Of course, structured deposits are fully guaranteed.

You can get 1 million (including principal and interest).

The deposit insurance system clearly stipulates that the maximum compensation amount for a single person depositing in a single bank is 500,000 yuan. It is calculated based on a single person and a single bank, rather than based on family and total assets. The deposits placed will not be calculated together (the bank does not have the ability, rights and obligations to verify whether they are husband and wife), only the ID number (the bank has a customer number internally) is used as the basis for judgment, whether it is husband and wife, parents and children, all relationships are It will not be affected or merged into calculations, so you don’t have to worry about this.

Moreover, not only will the relationship between two people not affect the compensation amount of 500,000, but the money you deposit in the two banks will not be combined, so if your current deposit exceeds If you have 500,000 yuan, you can deposit it in several banks. In this way, as long as it is less than 500,000 yuan, you will get full compensation in every bank. Putting your eggs in different baskets reduces the risk, so why not do it? ?

The only thing that may be affected is that in almost every bank, the larger the deposit amount, the higher the interest rate, and the better the benefits and benefits. For example, if you have a deposit of 5 million yuan and deposit it in 10 banks, Every bank may not give you too high interest rates and good treatment, because it is not considered a "big customer", and if there is a bank, 5 million is the entry threshold for private banking (of course, some banks may not be able to reach that level) to), you can enjoy higher interest rates, better treatment, regular gifts, free physical examinations, etc. And some banks will calculate assets on a household basis, so you know.

Now that the truth is clear, it’s up to you how to save.

Making a deposit in the same bank, each husband and wife deposit 500,000 in their name. If the bank goes bankrupt, the guaranteed amount is 1 million, and the excess interest will have to wait until the bank is liquidated. Then allocate proportionally. But overall, don't worry too much.

Bank deposit insurance regulations began to be implemented in mid-2015, which stipulate that for individual depositors, if the bank goes bankrupt, the maximum compensation principal plus interest shall not exceed 500,000. Corresponding to the couple's situation mentioned by the poster, it can only ensure that you can get 1 million without risk, and the rest of the interest can only depend on the liquidation results and bank liabilities.

Bank bankruptcy is a big problem for users who purchase financial products, because there is no clause that protects bank financial products. So will users who purchase financial products lose all their principal and interest? the answer is negative. Financial management products correspond to projects one by one, and some financial products are not issued by banks, but are only sold by banks on behalf of them. If it is a product sold on behalf of a bank, there will basically be no problem because the entity that pays when due is not the bank. However, financial products issued by banks may suffer losses.

Although my country's current market economy macro-environment is not as good as in previous years, it is one of the best in the world, and banks are still the most trustworthy financial institutions. If a bank fails, it is very likely that some non-performing asset disposal companies or large consortiums will take over all bank debts, which means that users' money can be paid on schedule.

According to the poster's assumption, it is obvious that 1 million will be recovered. The excess interest will depend on the actual disposal situation.