But I personally prefer to put more than 500 thousand in the same bank for two main reasons.
At present, China's deposit insurance regulations only cover 500 thousand, and more than 500 thousand is not protected by deposit insurance regulations, so many friends worry that more than 500 thousand can not be recovered after bank bankruptcy. In fact, this is unnecessary.
At present, the security of banks in China is still quite high, mainly due to strict supervision. As a department dealing with money, the bank's every move is closely related to the property of ordinary people, so the state's supervision of banks is very strict.
Banks have to face mpa assessment every quarter. If you meet the assessment criteria, you can enjoy various interest rate hikes and financial policies. If it fails to meet the assessment criteria, such as being rated as C file, not only will the deposit reserve ratio decrease, but more importantly, many businesses will be restricted, such as suspension of spicy and hot powder, open market operation and inter-bank business.
In addition, the regulatory authorities are very strict with the bank's non-performing asset ratio. Once the bank's non-performing assets ratio reaches a certain warning line, the regulatory authorities will definitely warn the banks and even ask them to suspend business for rectification to prevent further expansion of risks.
It is precisely because China's current regulatory system is very strict, so many banks have relatively high asset quality, even if the deposits exceed 500,000, there is not much risk.
And even if one day the bank is badly run and really goes bankrupt, in fact, the deposits of more than 500 thousand individual users can be taken back. Because even if the bank goes bankrupt, it will be liquidated, and according to the current non-performing rate of bank assets, the proceeds from the auction of bank assets can completely cover all personal deposits. If one day the bank goes bankrupt, after paying the employee's salary and liquidation expenses, the remaining money must be used to repay the deposit of individual users first. Therefore, even if the personal deposit exceeds 500,000, there is actually not much risk.
At present, banks are short of deposits, especially large deposits, so in order to attract more large customers, banks will give higher interest rates to large deposits. For example, some banks offer certificates of deposit, and the interest rate for 200,000 subscriptions is only 3.85%, but the interest rate for 654.38+00,000 subscriptions can reach 4. 18%, or even higher.
Especially in some small banks, if you deposit a large amount, the interest rate will be higher. For example, under normal circumstances, if you deposit 500,000 yuan for three years, you may get an interest rate of 4%, but if you deposit 2 million yuan for three years, you may get an interest rate of 5%, which is about 1% higher than ordinary deposits. It is equivalent to that if you deposit 2 million yuan and four 500,000 yuan in four banks respectively, you can only get interest of about 80,000 yuan, but if you put all 2 million yuan in the same bank, you can get interest of about 6,543,800 yuan, which is 20,000 yuan more.
So let me choose, even if it exceeds 500 thousand, I would rather put my money in the same bank to get higher interest. As long as we go through formal banking channels and are not induced privately by bank staff, the risk is not great.
490,000 is no problem, 565,438+00,000 is prudent. China promulgated the Deposit Insurance Regulations in 14. According to the regulations, the deposit is insured, and the maximum compensation for your deposit in the bank is 500 thousand. Generally speaking, your 490,000 yuan is safe unless all banks and insurance companies in China fail. But more than 500 thousand is in a small bank, which will be gone in case of bank failure.
Of course, if you have a lot of money, it is too much trouble to deposit 500 thousand in each bank, so it doesn't matter how much you want to deposit in the four major banks. If one day you can't withdraw the money from the four major banks, the economic situation at that time may be useless if you have money.
Personally, if the personal deposit is below 500 thousand, I suggest that it is best to deposit it in one bank instead of several banks. There are two advantages to pooling personal funds. First, deposits are also guaranteed. Second, you can save higher interest.
(1) is protected by the Deposit Insurance Regulations of the Bank.
Every bank needs to buy insurance and pay a certain premium to the insurance company every year, that is, the deposit insurance regulations; According to the deposit insurance regulations, the depositor's principal and interest can be guaranteed not to exceed 500,000 yuan, which means that the deposit business within 500,000 yuan is guaranteed, so as long as your deposit business of 490,000 yuan in the bank is zero risk, the principal and interest are guaranteed.
(2) Centralized deposit can earn higher deposit interest.
The most obvious are bank time deposits and certificates of deposit. There is a threshold for bank deposit certificates, and it takes a certain amount of money to apply for deposit certificates. In the same bank, the interest rate of time deposits will definitely be lower than that of large deposit certificates; If you divide this 490,000 yuan into 654.38+10,000 yuan and deposit them in different banks, you can only handle time deposits, but you can't handle bank certificates of deposit; If it is also a three-year fixed deposit, the interest rate of a three-year fixed deposit is 3.5%, while the interest rate of a three-year certificate of deposit is 4%. That is to say, if you deposit your deposits in different banks, you will actually lose 0.5% annual interest, which is several thousand yuan a year.
(3) Centralized funds can also negotiate interest with banks.
Of course, if you want to talk about interest with banks, it depends on the size of depositors' deposits; For example, if you go to a state-owned bank for a loan of 490 thousand, of course, you didn't talk about interest. But if you put 490,000 yuan in a credit cooperative or other rural bank, you can definitely negotiate interest. For example, the normal annual interest rate of the bank is 3.5%, and you can negotiate with the bank to reach 4.5%. You can deposit your money in other banks without raising the bank interest rate, which is also the advantage of centralized deposit.
The above three reasons are the advantages of concentrating funds in one bank. If you put all these funds in different banks, the interest will definitely not be so high and you will not enjoy such an advantage. So you can come to the answer that it is ok and correct for you to collect enough funds and deposit them in the bank.
The security level of bank deposits is very high. Although banks are allowed to go bankrupt at this stage, from the banking history of China, only two banks have gone bankrupt. One is Hainan Development Bank. 1997, 12, 16, People's Bank of China announced the closure of five credit cooperatives in Hainan Province, and the creditor-debtor relationship was managed by Shanghai Development Bank, which eventually led to the closure.
The other is Shantou City Commercial Bank. However, Shantou Commercial Bank was eventually reorganized into Guangdong Huaxing Bank.
Due to the history of bank failures, many depositors are afraid to put all their funds in one bank. Actually, it's not necessary
Bank deposits have deposit insurance. If the bank goes bankrupt or goes bankrupt, deposit insurance can pay the maximum amount of 500 thousand yuan in advance. When a bank goes bankrupt, liquidates or reorganizes, it will pay the rest.
From this perspective, if the funds saved are more than 500,000 yuan, it is better to divide them among several banks. Even if a bank goes bankrupt, the remaining funds are safe, and the deposit insurance below 500,000 will be paid in advance. Can minimize the risk.
For banks, with strict system management, many risks can be avoided at the initial stage. For example, the current bank reserve ratio is 14% for large financial institutions and 12% for small and medium financial institutions. This part of the funds can't be used, so it is used as a reserve.
Of course, the investment and approval of banks are much stricter than that of 20 years ago, especially the presentation of electronic data, the approval of projects and the ability of the head office to control branches and branches.
Differentiating risks on the basis will not expand risks.
For banks with strict supervision and heavy risks, the safety of deposits is still very high. The bankruptcy is only an example, and the probability of the incident is very small.
At present, financial derivatives are abundant, all funds are deposited in banks, and the annualized interest rate is not high.
The interest rates of bank time deposits are: three-month time deposits 1. 1%, six-month time deposits 1.3%, one-year time deposits 1.5%, two-year time deposits 2. 1% and three-year time deposits 2.75%.
Although banks have floating interest rates on bank deposits, the floating range is usually 15%-30%, and certificates of deposit can reach 40%-50%.
However, the annualized interest rate level in the same period is not as high as that of bank financing.
At present, the annualized interest rate of low-risk financial management in banks is 3.5%-5.5%, and the longer the term, the higher the interest rate will be. In the same period, the interest rate of bank deposits was only 1. 1%-4.5%, which was lower than that of bank financing.
Faced with this situation, we can carry out diversified financial management. The bank is not at ease, but it is not at ease anyway. It is also a good thing to expand their interest income without a certain low-to-medium risk in the principal.
Of course, many banks can also subscribe for certificates of deposit. After all, certificates of deposit have a high annualized rate of return and are very convenient. It can be transferred by peers 7 working days before the expiration, which is convenient to realize.
Generally speaking, banks are very safe, and bankruptcy is very rare. In a small probability, even if they go bankrupt, deposit insurance can advance the upper limit of 500 thousand yuan. If you don't feel comfortable saving in a single bank, you can save in multiple banks, or spread your savings and wealth management to spread your risks.
The figure of 490,000 is very wise and can bring a lot of knowledge.
The Deposit Insurance Regulations (hereinafter referred to as the Regulations) came into effect from 20 15, that is, deposit banking financial institutions paid premiums and formed deposit insurance funds. When there are problems in bank operation, the deposit insurance fund management institution will use the deposit insurance fund to pay the depositors in time according to the regulations.
From the scope of deposit insurance, the principal and interest of RMB deposits, foreign currency deposits, personal savings deposits and enterprise savings are all included, with the emphasis on principal and interest!
If 490,000 yuan is an ordinary time deposit, it will be annualized by 3%. After one year, the principal and interest is 49 1.47 million yuan, which is within the scope of protection and there is no problem.
However, the current bank deposit interest rate is not low. If the principal is 490,000 yuan, the interest rate of the bank's three-year large deposit is 4. 18%. If something happens to the bank after one year's deposit, the principal and interest owed will be 5 10000 yuan. That's it!
The originator of the Deposit Insurance Regulations is the American FDIC institution, namely the American Deposit Insurance Corporation. During the subprime mortgage crisis in 2007, hundreds of American banking institutions fell into crisis, and the FDIC did a lot of aftermath through acquisition, undertaking or direct repayment.
From the historical experience, in case the bank is really in trouble, the actual operation of the deposit insurance fund is as follows:
1. In most cases, the deposit insurance fund is used to support other qualified banks to take over the problem banks: to acquire or undertake business, assets and liabilities, so that depositors' deposits can be transferred to other qualified banks.
2. If it really cannot be acquired or undertaken by other insurance institutions, the insured's deposit shall be paid directly according to the maximum compensation limit.
3. Deposits exceeding the maximum repayment limit can also be repaid from the liquidation property of insurance institutions according to law.
To sum up, if you are a particularly cautious friend, you can spread your funds to banks within 500,000. After all, the interest of 200,000 yuan and 500,000 yuan is not much different.
It's not a question of whether you can or not. In fact, you should deposit your personal funds in the same bank, so that you can get higher deposit interest rate and enjoy better service! In particular, funds not exceeding 500,000 need not be deposited in multiple banks!
Many depositors are entangled and think that the deposit insurance regulations only pay 500,000 yuan, and the excess will definitely face the risk of loss!
In fact, this understanding is a bit one-sided! The so-called limit payment of 500,000 yuan should be understood as "absolute payment". That is to say, in the case of extreme risks in the bank, 500,000 yuan will be paid directly by insurance funds, which has nothing to do with the assets of the bank at this time; Even if the deposit exceeds 500 thousand yuan, it will be given priority in the bank's liquidation property.
However, the daily business of domestic banks will be strictly regulated, especially the proportion of loan-to-deposit ratio and bad business. Once the bank has problems, it will be immediately ordered to suspend business for rectification, and the possibility of insolvency is slim!
Looking at more than 4,000 banks in China, with a history of several decades, only two banks are truly bankrupt, accounting for less than 0.05%. What's more, the personal deposits of these two banks have not suffered any losses regardless of the amount!
There are also bank deposit certificates of more than 200,000 yuan in different degrees. The more initial deposits, the higher the deposit interest rate! For example, 20 19, personal certificates of deposit sold in a branch of Agricultural Bank of China, the minimum purchase is 800,000, and the interest rate of three-year certificates of deposit can reach 4. 13%, while that of 200,000 is only 3.85%, with a difference of 0.28%.
If 800,000 yuan is divided into four parts of 200,000 yuan and stored in different banks, it looks safer, but after three years, you will lose 6,720 yuan in interest!
Furthermore, the larger the deposit funds, the better the service you can enjoy from the bank. You don't have to queue up for business, but you can also provide various value-added services. This is another advantage of concentrating large deposits.
As the saying goes, you can't put eggs in the same basket. It's not easy to make some money these days. Try to allocate your own funds reasonably, so as to get the maximum benefit. First of all, I think you can allocate the money reasonably and deposit part of it in the bank. Although the interest is low, the risk is small! Secondly, you can buy some wealth management products from funds or banks, so that the income is higher than your simple deposit and you can earn more money. You can buy stocks if you are brave, but now the stock market is unstable, so you should think carefully. Secondly, can you also buy some insurance for your future consideration? You have many choices, just distribute your money freely.
The uninvited question: can you put all your personal funds in a bank, say 490 thousand?
It is ok to answer the question: 490,000 yuan. But above 50W, you need to be cautious.
In order to establish and standardize the deposit insurance system, protect the legitimate rights and interests of depositors in accordance with the law, timely prevent and resolve financial risks, and maintain financial stability, the Deposit Insurance Regulations are formulated. People's Republic of China (PRC) and the State Council promulgated it on February 20th, 2065438, and it took effect on May 20th, 2065438.
Deposit insurance is subject to limit payment, and the maximum payment limit is RMB 500,000. The People's Bank of China, together with relevant departments of the State Council, may adjust the maximum payment limit according to factors such as economic development, changes in deposit structure and financial risks, and report it to the State Council for approval before promulgation and implementation.
When the bank goes bankrupt, it needs to pay off the deposits within 50W first, so there is no problem with the main body's 490000.
The existence of relatively large banks should be reassuring, because large banks have formal state supervision. And if you save money, the risk will be less. The principal is still guaranteed.
However, from the perspective of financial management, there are many better investment methods than savings, such as buying property management funds, stocks, gold and insurance. These are all ways and means of managing money. As the saying goes, don't put your eggs in one basket, and don't put all your money together when investing. You should invest in a balanced way and distribute your funds and assets in a balanced way. So from this perspective, don't put all your money together.
We have a 500,000-yuan rule called deposit insurance system. This system has been implemented since May 20 15 1 day.
All commercial banks are required to pay deposit insurance for their own bank deposits.
The content of insurance is that the same depositor and the same insurance institution can pay 500 thousand.
The insurance covers the deposit principal plus interest of all insured deposit accounts.
The deposit insurance system implements full payment within the insurance payment limit.
As we all know, the higher the capital limit of our deposit, the greater the preferential interest rate that the bank can give us.
For example, the starting point of many bank wealth management products is 1 10,000 yuan wealth management products, and the wealth management yield is generally around 3%; The starting point of wealth management products is 50,000 yuan, and the wealth management yield is generally around 4%; If the starting point can reach 6.5438+0 million yuan, it is very easy to reach 5%.
Some people think that all account funds should be concentrated in one account, and deposits should be made according to the standard of 490,000 yuan. Is it the safest?
Indeed, in case of bank problems, our deposit interest and principal can be paid in full within the insurance limit.
But in fact, banks are not so prone to problems. So far, only one bank in our country has gone bankrupt, called Hainan Development Bank.
Moreover, after the bank goes bankrupt, the remaining deposits are not repayable and need to be paid from the bankruptcy liquidation property.
At present, the Bank's financing risks mainly include five categories, PR 1 to PR5. PR 1 to PR3 is very suitable for cautious investors, and PR2 is suitable for conservative investors. In fact, most of these investments can be guaranteed, even if they can't, they are little affected by risk fluctuations.
For everyone, unless there is a systemic risk, there is generally no big problem. After all, the financial interest rate of commercial banks will be much higher than that of bank deposits, and the term will be shorter and the method will be more flexible. Therefore, it is better to equip the corresponding products or deposits according to your own needs.
And there are many investment methods suitable for everyone. National debt, for example, is almost as safe as bank deposits, but the yield is higher.
Friends who like risks can consider fixed investment or stock trust products.
For investors with zero risk requirements, the two options are commercial endowment insurance and deposits within 500,000 yuan, but it is easy to outperform inflation.
Therefore, although it seems that deposits within 500,000 yuan are safe, the risks and benefits are directly proportional, and the benefits that are too safe can easily outperform inflation.