At the same time, the deposit insurance payment is limited, and the maximum payment limit is 500,000 yuan, which means that the sum of all deposits and interest in the same bank shall not exceed 500,000 yuan, and the full payment shall be made within 500,000 yuan.
When choosing bank deposits, investors can buy their wealth management products according to their investment reversal and risk level. Generally speaking, the higher the risk level of wealth management products, the more likely investors are to buy them, and the lower the risk level of wealth management products, the lower the probability of losses.
Content of deposit insurance fund The deposit insurance fund refers to a special fund which is composed of the capital contribution of the state and the banking industry, the premiums and investment income accumulated in the process of deposit insurance operation, and is used by the deposit insurer to bear the insurance liability when the insured bank has an operational crisis.
Deposit insurance fund is an important material basis for deposit insurance companies to perform their duties of protecting depositors' interests and maintaining financial stability. Facts have proved that in countries that have established deposit insurance funds, the deposit insurance system has a stable source of funds and clear financing rules, and the general public has certain confidence in the stability of the financial market brought by the deposit insurance system. Therefore, the deposit insurance fund runs well and the functions of the deposit insurance system have been well played.
The establishment of deposit insurance institutions Regarding the establishment of deposit insurance institutions, there are generally three definitions of the organizational forms of deposit insurance institutions in the laws of various countries:
1. The United States is a typical country in this regard.
2. The central government and private financial institutions jointly set up deposit insurance institutions, such as those in Japan, Germany and Taiwan Province Province;
3. Deposit insurance institutions are completely established by private financial institutions or trade associations, such as Britain, Switzerland, Italy and other countries.
A deposit insurance institution refers to an insurance institution established by a deposit-taking financial institution. All deposit institutions pay insurance premiums to the insurance institution as policyholders, and when the member institutions are in crisis or bankruptcy, they provide financial assistance instead of bankruptcy institutions or compensate depositors within a certain limit.