There are regulations on bank deposits. If the investor's deposit in this bank is less than 5, yuan, the bank will pay full compensation if it goes bankrupt. The contractor bank is slightly different. The contractor bank will compensate the depositors in full, so it can get all the money back whether it exceeds 5, or not. By the end of October 22, the net assets of Baoshang Bank were-25.5 billion yuan, the total assets were 447 million yuan and the total liabilities were 25.96 billion yuan, which was obviously insolvent and had no actual solvency.
Seeing this news, many people are concerned about whether the depositors of Baoshang Bank can get their money back. If you always pay attention to the news, you will know that the bankruptcy ruling of Baoshang Bank is more just a process. In fact, the customer deposits of Baoshang Bank were cleared as early as last year.
The problem of Baoshang Bank existed a few years ago, so it was formally taken over by the central bank on September 24th, 219. After the central bank took over, in order to prevent customers from redemption risks, the deposit insurance fund and the central bank jointly provided funds to fully guarantee personal deposits and most institutional claims.
Therefore, after the central bank took over, many customers of Baoshang Bank actually got their money back normally. In addition, from September 24, 219, when the central bank took over, until November 23, 22, when the China Banking Regulatory Commission officially declared Baoshang Bank bankrupt, all deposit customers of Baoshang Bank were properly handled, and there was no problem with any personal deposit. Among them, 4,731,6 individual users all got their deposits back normally, and the other 63,6.
This means that about 1% of institutional customers' deposits have not been settled. According to the news announced by the court, there are 729 undisputed creditor's rights of 728 contractor banks, which add up to 21.398 billion yuan. According to the ratio of 1%, this means that about 2 billion debts may be recovered through bankruptcy procedures. However, at present, the total assets of Baoshang Bank are only 447 million yuan, so it is not realistic to repay debts by auctioning assets, which means that nearly 2 billion institutional deposits will not be recovered. Of course, the deposits of these institutions can not be recovered, which actually reflects the trend of China's banking industry to survive the fittest in accordance with market competition. In the past, China's banks were very safe. Even if the banks went bankrupt, there would be a state at the bottom. However, after 215, China formally established a deposit insurance fund, and then allowed banks to go bankrupt. If banks suffered serious losses due to poor management, it is possible to exit the market through bankruptcy.
however, from the actual situation, even if the bank goes bankrupt, the deposits of individual users will basically not be greatly affected.
according to the relevant provisions of China's deposit insurance regulations, the deposit amount of individual users within 5, yuan in the same bank is protected, which means that no matter what the bank goes bankrupt or unexpected circumstances, the deposits of individual customers within 5, yuan can be taken back unconditionally. Even if the bank has no money to repay this part of the funds, the insurance fund will repay it on its behalf, and then the insurance fund will go bankrupt and liquidate the bank.
In 215, the central bank made a survey report. According to the data of the survey report at that time, as of 215, 99.63% of China's depositors' deposits were less than 5, yuan, which is equivalent to 99.63% of customers' deposits being protected by deposit insurance regulations, so even if the bank goes bankrupt, it will not have any impact on personal deposits.
In addition, the lean camel is bigger than the horse. At present, the assets of major banks are relatively large, and the total assets will definitely be more than the deposits. Therefore, even if the bank goes bankrupt, most of the money, whether it is personal deposits of more than 5, or institutional deposits, can be recovered through auction.
At the same time, some high-quality assets supervision departments of bankrupt banks will also establish new banks or merge with other banks to extend customers' deposits. For example, after Baoshang Bank goes bankrupt, some assets will be merged into Huishang Bank and the other assets will be merged into the newly established Mengshang Bank.