Can tell you for certain, in same home both sides of bank deposit husband and wife is put each 500 thousand, after the bank goes broke, everybody can win the compensation of 500 thousand.
Deposit insurance is the unit is to have consideration in same home bank with a person.
Our country " deposit insurance byelaw " the 5th specific provision, same depositor is cast in same home protect an orgnaization number of all capital of calculative be incorporatinged by the deposit capital of insurance deposit account and accrual are in of less than of top pay limitation, execute sum liquidate; Exceed the share of top pay limitation, lawfully from cast countervail suffers in protecting an orgnaization to liquidate property.
Deposit money at present that is to say insurance byelaw protection is the unit is to undertake calculative in same home bank with the individual, is not have consideration for the unit with the family, so no matter you marry, as long as you are same Id date is in same home bank deposit, everybody has 500 thousand forehead to spend protection.
And this 500 thousand deposit is you are in same the protective forehead that all deposit inside add in spends a bank of legal person orgnaization, for instance you were put in branch of Beijing of bank of a certain share-holding system 300 thousand, put in Shenzhen branch 200 thousand, put in Shanghai branch 400 thousand, be equivalent to you there is 3 deposits account inside bank of this share-holding system. If this bank runs some day,not to be pooh-poohed went bankrupt, that you the forehead that these 3 account add up is spent, the forehead of 500 thousand less than is spent is to be sure by deposit the protection of byelaw, 400 thousand when exceed are sure by deposit the protection of byelaw, need to repay through liquidation however.
Those who need an attention is 500 thousand those who point to is capital follows interest.
The 500 thousand specified number that at present deposit insurance byelaw protects is spent include capital to follow interest, no matter how much your capital is, also no matter how much your accrual is, capital adds accrual to add up, altogether has the protective forehead of 500 thousand to spend.
For instance your title says you deposit money 500 thousand, if you deposit money 3 years 500 thousand period, annual interest rate is 4.18% , time-expired later you will be OK acquire 62700 yuan of interest, after expiring below normal circumstance, you cease even this belt to be able to obtain 562700 yuan in all. But after if you deposit money,expiring, the bank went broke you do not have a law regular draw money, that is in 562700 yuan in the center, only the part of 500 thousand is OK termless obtain those who repay, another whether can be 62700 yuan obtained repay, be about to see a bank liquidate earning to whether enough Qian Jin pays all right.
The deposit that the individual exceeds 500 thousand also has very big probability to obtain repay.
Often see on the net a lot of friends say at present byelaw of insurance of our country deposit is protected only 500 thousand forehead is spent, if the bank went broke,this is meant, is the deposit of more than 500 thousand taken do not come back?
This kind of understanding is a kind of error actually, although at present byelaw of insurance of our country deposit protects the forehead of 500 thousand less than to spend only, but do not do not have law recapture to come on behalf of more than 500 thousand deposit, the deposit that actually the individual exceeds 500 thousand still goes bankrupt through the bank spirit is obtained repay.
And calculate a bank which days to go bankrupt really, bank assets also should enough enclothes all individuals to deposit money, because our country is at present enough to the capital of the bank the fraction defective assessment of rate and bank is very rigorous, after once the capital of the bank is adequate,rate and fraction defective exceed fixed target, superintendency branch and deposit insurance fund are opposite likely at any time the bank undertakes special processing.
For instance byelaw of insurance of deposit of my our country sets the 15th times, discovery of administration of deposit insurance fund sends the case that defends inadequacy of orgnaization presence capital to wait for safety of fund of influence deposit safety and deposit insurance, can offer risk caution to its.
The 16th sets, cast because the reason such as major asset loss causes capital,protect an orgnaization enough rate falls substantially, endanger deposit safety and security of deposit insurance fund badly, cast the demand that keeps an orgnaization to ought to supervise an administration according to bank of people of administration of deposit insurance fund, China, banking to take additional capital, control in time asset growth, control is significant trade give a letter, reduce leverage to wait for measure.
It is so under strict superintendency, although the bank wants to go bankrupt,be photograph contrast is more difficult, which day of have to with true even if goes to go bankrupt that one pace, that bank also should have adequate capital to repay the deposit of individual user.
