Between the impression of a lot of people, the bank is the richest, also do not lack cash, deposit is put in the bank also is the safest, can say the bank is very perfect, so just can so much person exists money bank, and still can take a few interest, can say the thing that is make the best of both worlds. But everybody may be more than, the bank also needs gain, that is to say the management of the bank, also put in particular risk, may that bank go broke?
Can very affirmative tell everybody, thinking is a bank be safety, actually the bank also is to be able to go bankrupt, close down, it is them only unlike factory and enterprise, bankrupt possibility is very little. Does that have the bank that has appeared to go bankrupt in China? Have of course! China already had 2 banks to close down, 1998, because lack is superintended,Hainan develops a bank, after a large number of capital are being invested in estate market, bring about capital precipitation, appeared crisis of much ground credence.
After hearing occurrence bank goes broke, brought about a lot of users to appear to resent, depositor people begin many redemptive, to stabilize the development of the bank, hainan bank decision is restricted each everyday quantity extraction a money and frequency extraction a money, this more bring about depositor people the dissatisfaction in the heart, increased the team of main forces extraction a money in succession, bring about the Hainan that establishs dissatisfaction 3 years to develop a bank to become China finally the first closes down bank.
After afterwards Hainan develops a bank to close down, 2012 when, agency of credit of country of Ning Shangcun of Heibei province respectful just becomes the 2nd bank that go bankrupt, mere because of it endowment not pay a debt in kind or by labour is brought about thereby go bankrupt. Can see the bank is approved thereby producing also cannot be avoided surely. The most serious now problem is, if the bank went broke really, everybody is put in the money of the bank, can be you still taken?
According to deposit insurance system, if the bank closed down, depositor can get compensatory, but what everybody should notice is, highest compensatory specified amount is 500 thousand, if you deposit money,be not worth that is to say 500 thousand, with respect to the compensation that can win sum, if deposit exceeds 500 thousand, that most limitation is 500 thousand, of the others call in very hard basically. And these 3 kinds of circumstances are 1 minute not of compensate.
The first, after going bankrupt when the bank, your deposit lost just right, this time won't seek for you. The 2nd, the financial product that buys in the bank appears capital loss, once appear after deficit, comprehensive consequence can oneself are assumed. The 3rd, the product that the bank sells appears credit crisis, the bank may be a middleman only, if later period occurrence cash is difficult, that sequential oneself also can assume only, the bank is not in charge of without exception.
After the bank goes broke, depositor can receive corresponding compensation by the regulation, of course the money that you owe a bank, no matter be what reason, need is paid off. So, when everybody chooses bank deposit, do not choose small bank as far as possible, may bring about oneself to be in an unfavorable situation otherwise.
