According to the data of the first quarter of 20021released by the central bank, by the end of March, RMB deposits had increased by 8.35 trillion yuan, with a total deposit of 220.92 trillion yuan. Although banks have always been the first choice for ordinary people to save, with the popularity of mobile payment, many online financial fund products have appeared on the market.
However, wealth management products have always been risky, so the older generation is more willing to put their savings in the bank. As a financial institution in China, banks represent the credit system in China, but is there no risk in bank deposits? In fact, bank deposits are not foolproof. Up to now, several banks in China have closed down.
In February, 20021year, under the ruling of CBRC, Baoshang Bank officially declared bankruptcy proceedings, and Baoshang Bank became the fourth bankrupt bank in China. Among all the bankrupt banks, Baoshang Bank is undoubtedly the largest, with a total of 4,667,700 depositors.
Bankruptcy of Baoshang Bank has worried countless depositors. If such a big bank will fail, will there be a risk of bank failure in the future?
In this regard, industry insiders said that although banks are at risk of bankruptcy, the probability of risk occurrence is very low. If the majority of depositors are really worried about the safety of their funds in the bank, they may wish to listen to the analysis of the industry, 202 1, where their deposits will be more assured.
First of all, recognize the "deposit insurance sign"
According to the data of China Banking and Insurance Regulatory Commission, there are about 4,600 banks in China. According to the laws of this country, as long as domestic banks established in this country, including state-owned, joint-stock and rural credit cooperatives, must participate in the deposit insurance sign in accordance with state regulations.
A bank marked with deposit insurance means that the bank has bought an "insurance" for depositors to ensure the safety of depositors' funds in the bank. According to the regulations, if the total deposit is less than 500,000 yuan, interest will be paid in full after the bank goes bankrupt; If the total deposit exceeds 500,000 yuan, it is necessary to wait until the bankrupt bank is taken over by a "healthy" bank, and the takeover bank pays the bill.
Generally, deposit insurance signs will be posted in conspicuous places in banks, and they cannot be intentionally blocked or damaged according to regulations. Besides, you can also go to the Bank of official website to have a look. It is very important to choose a bank with deposit insurance mark, which is directly related to the safety of depositors' funds in this bank. Therefore, when making deposits, you must first choose a bank with insurance mark.
The second is to choose state-owned banks.
At present, there are six large banks directly controlled by the state in China. Among them, China Industrial and Commercial Bank is called "Cosmic Bank", which is not only because of its strong savings ability, but also because of its high profitability.
The financial reports of the six major banks show that in 2020, under the impact of the epidemic, the accumulated revenue of the six major state-owned banks was 3.39 trillion yuan, and the net profit was about 1. 1.4 trillion yuan. The operating conditions of the six banks are relatively stable. Among them, ICBC's performance is the most eye-catching, with a net profit as high as 31770 million yuan, an average daily income of 860 million yuan and an annual revenue of 800,654.38+0 billion yuan, ranking 24th among the top 500 enterprises in the world.
In addition to ICBC, the strength of the other five state-owned banks should not be underestimated. In a word, these six banks have strong comprehensive strength, state support behind them, high ability to resist bankruptcy risks, and it is difficult to go bankrupt. If you have a savings plan, you might as well choose these six banks.
Finally, choose to diversify your savings.
There's a saying in China that don't put all your eggs in one basket, and that's what it means to put your money in the bank.
If you have 500,000 yuan in hand, you can divide it into 200,000 yuan and 300,000 yuan, deposit them in different banks, and then choose a large deposit. Although the interest you get will be a little less than the interest you get from 500 thousand lump sum deposit, it will be more secure if you want to avoid the risks brought by bank bankruptcy and spread a lot of funds. If "unfortunately" a bank goes bankrupt, the process of paying less than 500 thousand is faster than that of paying more than 500 thousand.
To sum up, when depositing, first, choose a bank that has participated in the deposit insurance sign, because even if the bank goes bankrupt, it will pay the depositors' funds; The second is to choose six state-owned banks, because they are directly controlled by the state and have high ability to resist bankruptcy risks; The third option is to spread large amounts of funds among banks, because this will "spread" risks.
Do you usually have the habit of saving money? Would you choose to save money online or offline? Welcome to leave your opinion.