Yes, deposit insurance is calculated according to the amount of personal account, not according to the amount of family, so don't think too complicated.

The Deposit Insurance Regulations came into effect on May 20 15 1 day. These Provisions shall apply to all rural commercial banks, credit cooperatives, rural banks and other formal banks established with the approval of the state financial regulatory agencies.

Its core content is Article 5: Deposit insurance shall be paid with a limit, with a maximum payment limit of RMB 500,000.

If the total amount of funds calculated by the same depositor in all insured deposit accounts of the same insurance institution is within the maximum repayment limit, full repayment will be implemented; The part exceeding the maximum payment limit shall be compensated from the liquidation property of the insurance institution according to law.

In the loan business, one of the husband and wife is the borrower and the other is the guarantor, that is to say, in the debt business, the husband and wife are inseparable, and at this time they are the same legal subject;

However, when designing the asset business of deposit, the insurance laws and regulations did not explicitly point out that the family is the unit of calculation and the depositor is the unit. Therefore, both husband and wife deposit 500,000 yuan each, and once the compensation risk occurs, they will pay according to their respective deposit amounts.

For example:

If your deposit amount is very small, thousands, tens of thousands or hundreds of thousands, then no matter how your interest rises, the principal and interest can't exceed 500,000 in the short term. The deposit is 654.38 million yuan, calculated at the one-year interest rate of 2. 1%. If a financial institution goes bankrupt, according to the deposit compensation regulations, your compensation amount is 102 100 yuan.

What if you happen to have saved 500 thousand?

If the annual interest rate is 2. 1%, then the annual principal and interest of 500,000 yuan is 5 10500 yuan. According to the maximum compensation limit of insurance, only 500,000 yuan can be paid first, and the remaining interest 10500 can only be paid after the insurance institution has settled.

The standard of "the maximum compensation limit of 500,000 yuan" is not made out of thin air, but is flexibly adjusted by the State Council according to the changes of economic development, deposit structure and financial risks.

Mainly the following three factors:

First, the relationship between the maximum compensation limit and per capita GDP is generally 2-5 times that of the international level. According to the 20 13 GDP of 56.88 trillion yuan and the maximum compensation limit of 500,000 yuan, this indicator in China is more than 12 times, far higher than the international level.

The second is the relationship between the maximum compensation limit and the per capita deposit ratio. China's per capita savings and savings rate are very high, and the social security system is not perfect. Deposits have certain social security characteristics, so the maximum compensation limit will be higher than the international level.

Third, the proportion of depositors' protection, 99.7% guarantee can ensure the deposit safety of most depositors.

With the rapid development of China's economy, the income level of ordinary people is also greatly improved, and the balance of many people's bank deposits is also rising. Therefore, for ordinary residents, the security of deposits is particularly important. Especially since the State Council promulgated and implemented the Deposit Insurance Regulations in May 20 15, people often ask about deposit safety.

Recently, a depositor asked: If a bank declares bankruptcy, it is stipulated that each bank can get a maximum compensation of 500,000. But if both husband and wife have separate accounts, does the bank have to pay 500 thousand each? In this regard, we believe that if husband and wife open separate accounts, even personal deposits in the same bank, once the bank goes bankrupt, they will receive a limit of 500,000 yuan in principal and interest respectively. Therefore, depositors need not worry too much about the safety of their deposits.

At present, the state allows commercial banks to go bankrupt or close down in order to ensure the general deposit safety of ordinary people. According to China's Deposit Insurance Regulations, the deposits of the same depositor in the same bank are protected by 100% within the scope of principal and interest of 500,000 yuan.

For example, suppose you have a three-year fixed deposit of 654.38+10,000 yuan in a bank with a deposit interest rate of 4%. According to this interest rate, the total principal and interest after three years is 6.5438+0.65438+0.2 million yuan. In this way, once the bank goes bankrupt, you can pay 1 12000 yuan in full according to the deposit insurance.

However, if you deposit a three-year fixed deposit of 500,000 yuan, the deposit interest rate will be calculated at 4.0%, and the total principal and interest will be 560,000 yuan after three years. After the bank goes bankrupt, you can only get the full payment of 500 thousand principal, and the extra interest income of 60 thousand depends on the settlement of funds in the bankrupt bank. If you are lucky, you may get further partial compensation. If both husband and wife have their own bank deposits in the same bank, the part of each not exceeding 500,000 shall be protected by law.

However, it should be noted that deposit insurance only pays for deposits, and other wealth management funds and insurance products are not covered. In other words, the Deposit Insurance Regulations only pay for savings deposits in the name of individuals, and wealth management products are not covered. However, investors need not worry too much. Wealth management products also have their own claims channels and methods, and the possibility of total loss of principal is extremely small.

Some people may ask, why should the bank's deposit insurance regulations set a limit of less than 500 thousand? There are three main reasons: First, most depositors have a total deposit of less than 500,000 yuan. Only 0.37% of China residents' savings deposits exceed 500,000 yuan, and only 0. 1 10,000 yuan. In other words, 99.63% of the people are within 500,000 yuan, so setting the deposit insurance within 500,000 yuan is equivalent to covering 99.63% of the residents in the country. Therefore, even if the bank fails, it will have little impact on the vast majority of depositors.

Furthermore, according to international standards, if a bank goes bankrupt, the standard for paying depositors' deposits is usually set at 2 to 5 times the per capita dollar GDP. While China's GDP per capita in 20 18 years is close to 10000 yuan. Then, according to the current per capita GDP in US dollars, it still does not exceed 500,000 yuan, which is five times the highest per capita standard in China, so 500,000 yuan is regarded as the highest standard of bank deposit insurance.

Finally, the per capita deposit in China is very low, and most deposits are far from the upper limit of 500,000 yuan. According to the data of the central bank, the balance of Chinese residents' deposits in 2065438+2008 was 74.22 trillion yuan. According to the actual total population139.5 billion, the average savings deposit of domestic residents is 5 193 1 yuan. Obviously, even according to the current deposit level, the limit payment standard within 500,000 yuan of principal and interest is reasonable. The domestic per capita savings deposit is far below the standard of 500,000 yuan.

Now depositors don't have to worry. If the husband and wife deposit in the same bank, in case of bank failure, they can each get a limit of 500,000 yuan, which means that the family can get a maximum of 6,543,800 yuan, but the excess is not within the scope of deposit payment. At the same time, the wealth management products under the name of husband and wife are not within the scope of savings compensation. There are other ways to solve the problem of how to pay for wealth management products.

There is a big logical error in the topic. The first thing to correct is that not everyone will definitely pay 500,000 yuan for bank failures.

According to the Deposit Insurance Regulations, the maximum payment limit of deposit insurance is 500,000 yuan.

In fact, the meaning inside is very rich.

First, insurance covers the principal and interest of all accounts of the same depositor in the same bank.

Depositors can be institutions or natural persons, that's all.

The relationship between depositors is not regulated by law. Because in addition to the relationship between husband and wife, we also have a father-son relationship, a mother-daughter relationship, and a complicated relationship between grandparents and grandchildren. Husband and wife can't be whole, father and son can't be whole? We China people are still very smart. Instead of being so troublesome, we might as well make it simple, that is, natural persons are preferred.

By the way. In 20 19, China began to implement the interim measures for special additional deduction of personal income tax, which caused widespread controversy. At present, only grandparents whose children have died can enjoy the special additional deduction for supporting the elderly, not for their parents-in-law or in-laws. After all, the blood relationship between parents can't be changed, the law is strict and the relationship is simple.

Of course, the same bank includes all its branches and sub-branches, sub-branches and so on. For example, the state stipulates that we can only establish a first-class account in one bank, which is the distinction.

2. The maximum repayment limit for deposits is 500,000 yuan.

The money is actually paid by the deposit insurance fund, which has nothing to do with the bank. The source of funds is the deposit insurance premium paid by major banks and the property liquidated after the bankruptcy of major banks.

Third, pay in full within the maximum reimbursement limit.

In other words, as long as a person's deposit principal and interest in all accounts in a bank is less than 500,000 yuan, we can get 100% deposit protection.

Wealth management products are not deposits, are not protected by deposit insurance regulations, and will not be affected by bank bankruptcy.

If our deposit in this bank is 0.2 million/200 thousand, of course, we will only lose 0.2 million/200 thousand, and it is impossible to give us a penny more.

If the bank mentioned in the title fails, each bank will pay 500,000 yuan, at least the principal and interest of our personal account in this bank will exceed 500,000 yuan.

If a person has 500 thousand and a person has 400 thousand, he can only pay 900 thousand One person 1 10,000, another person 400,000, only 900,000.

Fourth, the excess is compensated from the liquidation property.

The part exceeding 500,000 yuan shall be liquidated in the form of enterprise debt in the bankruptcy liquidation procedure. Generally speaking, some money will come back from bank liquidation. Don't worry about all the losses

Because the national enterprise bankruptcy law does not stipulate that the part paid by the deposit insurance fund should be deducted first. Priority deduction:

First of all, the wages, medical care, disability allowance, pension expenses, personal accounts for pension and medical insurance, and wages and salaries of employees. The second is the social insurance premiums and taxes owed by the bankrupt.

The third part is ordinary creditor's rights.

Therefore, the Deposit Insurance Regulations protect the part where everyone's account in the bank is less than 500,000 yuan. Just count by yourself, don't think too much.

Now the bank is allowed to go bankrupt. If the bank goes bankrupt, can depositors get their money back?

If the bank really goes bankrupt, depositors may still get their deposits back. According to China's bank deposit insurance system, when you deposit in a regular bank, as long as your deposit amount is less than 500,000 yuan, you can get the full compensation of up to 500,000 yuan after the unfortunate bank collapse.

Therefore, when your deposit does not exceed 500,000, the funds are absolutely safe, and you are not afraid of bank failures, there will be insurance institutions to compensate you. But if your deposit amount is more than 500 thousand, it depends on whether there is any money left after the bank passes the property inspection. If so, you may get more than 500 thousand compensation. If not, you can't get it back.

Note that this rule only applies to bank deposits under the name of one head of household, so if both husband and wife have accounts, it will be solved as two cases, which means that both husband and wife will be compensated.

At the same time, I don't know if the subject didn't describe it well It's not that the bank closed and everyone compensated 500,000 yuan, but the maximum compensation amount is 500,000 yuan, which is based on the amount of your deposit!

Finally, although banks have been allowed to fail, the probability of failure is still very small, and everyone can rest assured that they can deposit.

I repeat, the bank deposit is too low now, so we can look at other financial management with higher income.

That's true, but the premise of getting 500 thousand compensation is that the balance (principal and interest) in the bank account of both husband and wife must be above 500 thousand, otherwise it can only be as much as possible!

Deposit insurance regulations, with a limit of 500,000 yuan, paid in May 2065 1 day. The officially implemented Deposit Insurance Regulations stipulate that the balance (principal plus interest) of all accounts of the same depositor in the same bank can reach 1000 even if the bank closes down or goes bankrupt, as long as it does not exceed 500,000 yuan.

Obviously, as long as it is the account of two people, husband and wife, father and son, if the bank goes bankrupt, each account can lose up to 500 thousand! However, the premise is that there must be more than 500,000 (inclusive) deposits in the two accounts, otherwise there will be only how much loss!

For a simple example, if the deposit principal is 300,000 and the interest is 20,000, then in the case of bank failure, only 320,000 will be paid; And if the deposit is 500,000 and the interest is 30,000, then the deposit fund will pay 500,000, and the other 30,000 will be repaid in the bank's liquidation assets!

It should also be noted that deposit insurance only pays for deposits, and other wealth management funds and insurance products are not covered. You know, even if the total amount of funds in the account is within the limit of 500,000 yuan, 100% is not guaranteed, especially for bank cards with the function of "one card with multiple accounts"! A bank card has sub-accounts, including time deposits, demand deposits, large deposit certificates, structured deposits, time wealth management and foreign currency sub-accounts, while the deposit insurance regulations only pay for savings deposits in the name of individuals, and wealth management products do not cover them! But don't worry, wealth management products also have their own claims channels and methods, and the possibility of all losses is extremely small!

To sum up, in case of bank failure, both husband and wife can pay 500,000 yuan each, but the wealth management products under their names are not covered! I don't know why there are always such similar problems. I just want to ask, isn't the bank a civil affairs department? How can I know if two people are husband and wife? How can we handle it together?

Besides, the expression of the problem is also problematic. It's not that everyone can get 500,000 if the bank goes bankrupt, but you can get 500,000 if you deposit 10000 in the bank. That bank is even more bankrupt.

The correct statement should come from the Deposit Insurance Regulations 2065438 which came into effect on May 1.

According to the relevant provisions of the Deposit Insurance Regulations, deposit insurance is subject to a limit payment, and the maximum payment limit is RMB 500,000. If the sum of the principal and interest of all insured deposit accounts of the same depositor in the same bank is within the maximum compensation limit, it will be paid in full. The part that exceeds the maximum repayment limit shall be compensated from the bank's liquidation property according to law.

A brief explanation

The maximum repayment limit is 500,000 yuan, which refers to the amount of funds calculated by combining the deposit principal and interest of the same depositor in all insured deposit accounts of the same bank.

Focus 1: the same depositor

Whether you are husband and wife, parents and children, seven aunts and eight aunts, no matter how close your relationship is, even if you are a family, you are not the same depositor, right? By the way, the bank is not a civil affairs department, so it is impossible to prove what the relationship is. If you say it matters, the bank needs your proof.

Point 2: The same bank and the same depositor have 1 10,000 deposits in two banks. No matter how it is distributed, it can only be calculated with a limit of 500 thousand yuan in the same bank. In other words, if they want to get the maximum protection, they have to divide the deposit of 500 thousand into two parts.

Focus 3: The combined calculation of deposit principal and interest is 500,000 yuan, not the principal, but the principal plus interest. For example, if you deposit 490,000 yuan of principal and pay 20,000 yuan of interest, then the deposit insurance payment is neither 490,000 yuan of principal nor 5 1 10,000 yuan of total principal and interest, and the deposit insurance can only pay 500,000 yuan.

Point 4: The part exceeding the maximum repayment limit shall be compensated from the bank liquidation property according to law. That is to say, the part of the principal and interest of the deposit exceeding 500,000 is not lost as some people think, but should be paid according to the liquidation assets when the bank goes bankrupt, and the assets of the bank are better than those of ordinary enterprises. For example, the mortgage will be mortgaged in the bank, and some money can be collected from selling the house, so there will still be some.

This question is very interesting. Since both husband and wife open accounts in banks, after the bank goes bankrupt, of course, they can only pay according to the accounts of different banks.

With the rapid development of China's economy, the income level of ordinary people has also been greatly improved, and the bank balance of many people is also rising. Therefore, for ordinary residents, the security of deposits is particularly important. Especially since the State Council promulgated and implemented the Deposit Insurance Regulations in May, 20 15, people often ask about deposit safety. So, what is deposit insurance?

The specific rules of limit payment in deposit insurance regulations are because domestic commercial banks are allowed to go bankrupt or close down, in order to ensure the general deposit safety of ordinary people. According to China's Deposit Insurance Regulations, the deposit of the same depositor in the same bank is guaranteed by 100% principal and interest within 500,000 yuan.

For example, suppose you have a three-year fixed deposit of 654.38+10,000 yuan in a bank with a deposit interest rate of 4%. According to this interest rate, the total principal and interest after three years is 6.5438+0.65438+0.2 million yuan. In this way, once the bank goes bankrupt, you can pay 1 12000 yuan in full according to the deposit insurance.

However, if you deposit a three-year fixed deposit of 500,000 yuan, and the deposit interest rate is calculated at 4.0%, the total principal and interest after three years is 560,000 yuan, then after the bank goes bankrupt, you can only get the full payment of the principal of 500,000 yuan, and the extra interest income of 60,000 yuan is basically gone, which depends on the situation of the bankrupt bank in fund settlement. If you are lucky, you may get further partial compensation; If it is unfortunate, it means that the interest for three years is over.

Obviously, the husband and wife mentioned in the title open accounts separately, even if they are personal deposits in the same bank, once the bank goes bankrupt, they will receive a limit of 500 thousand yuan in principal and interest respectively.

Why should the payment limit be set within 500,000 yuan? Speaking of the limit payment standard in the Deposit Insurance Regulations, the reason why it is set is that the limit payment is within 500,000 yuan of principal and interest. This is entirely determined by comprehensive factors such as international practice and domestic residents' savings.

First of all, according to international practice, it is generally set at 2-5 times the per capita GDP of each country. As we all know, in 20 18, the total GDP of China exceeded 90 trillion yuan, and the per capita dollar GDP was close to 1 10,000 for the first time. Then, even according to the current per capita dollar GDP, the highest standard of five times the domestic per capita is $50,000, which still does not exceed 500,000 yuan.

Secondly, according to the relevant statistics of domestic banking at that time, only 0.37% of China residents' savings deposits exceeded 500,000 yuan, and only 0. 1 10,000 yuan. In other words, 99.63% of the people are within 500,000 yuan, so setting the deposit insurance within 500,000 yuan is equivalent to covering 99.63% of the residents in the country.

We can also verify it from the latest data. According to the data of the central bank, the balance of Chinese residents' deposits in 2065438+2008 was 74.22 trillion yuan. According to the actual total population139.5 billion, the average savings deposit of domestic residents is 5 193 1 yuan. Obviously, even according to the current deposit level, the limit payment standard within 500,000 yuan of principal and interest is reasonable.

Anyway, don't worry! As long as the husband and wife each open a bank account and deposit a sum of money, after the bank (or even the same bank) goes bankrupt, they can get corresponding compensation according to the deposit insurance.

We can imagine how serious the economic crisis was when the bank went bankrupt. The so-called 500 thousand may only be tens of thousands at ordinary times.

The biggest problem is that banks, insurance and securities are open to the outside world. I just want to ask, are Europe and America open to us?