Be in early on May 1, 2015, our country begins to carry out " deposit insurance byelaw " . Orders provision: Same depositor, same home is cast protect an orgnaization, limitation compensate pays, highest 500 thousand yuan. Deposit insurance system is to allow a bank to go bankrupt close down, warn a bank to be not managed in disorder, giving an issue want him to be in charge of. In the meantime, also remind depositor, the product of of all kinds conduct financial transactions beyond bank deposit does not suffer law to protect, the country is won't give you disclose the whole inside story again.
According to this " byelaw " , if some depositor is in,orgnaization of a finance deposits money 600 thousand, encounter this bank to close down, silver-colored guild first compensate gives depositor 500 thousand yuan, and 100 thousand yuan when remain + 20 thousand yuan of accrual, silver-colored guild undertakes compensatory in liquidating property, if the bank liquidates belongings to be able to be compensated for 50% , so, depositor can take 60 thousand yuan only, 60 thousand yuan when remain will win compensation hard.
In the past, we often hear abroad some is large the bank should close down, but hear domestic bank has the event that close down rarely. And the case that still has produced financial orgnaization twice to go bankrupt really on the history: The Hainan that was 1998 develops a bank, was 2012 additionally one the Shang Cun of peaceful county of Heibei province respectful farming letter company goes broke. Twice this all the country comes compensate of reveal all the details pays everybody depositor. And old job of our bring up again wants to explain namely, small bank is mixed in farming letter company goes broke likely still, it is probability only those who comparative is low just.
Up to now, the bank has variety of 3 kinds of investment, the first kind is to get " deposit insurance byelaw " protective bank deposit, the 2nd kind is the product of conduct financial transactions that him bank distributes, the 3rd kind is the bank sells goods on a commission basis conduct financial transactions and insurance product. " deposit insurance condition " after rolling out. Mean, the country has disclose the whole inside story to the deposit of 500 thousand less than only, products of other conduct financial transactions (include self-supporting economy, sell goods on a commission basis fund and insurance) be to won't undertake compensate pays.
The issue came now, the bank can go broke close down, and Qian Fang feels insecure again in the home, how should be we answered then? Above all, to great majority depositor, deposit won't exceed 500 thousand, although the bank closes down or go bankrupt, the fund that won't affect you is safe. And the aspect of still basically is a bank product of conduct financial transactions that affects capital safety. If the country asks to break rigid cash, investor is about to understand, income is higher, the risk is bigger.
Moreover, the depositor that has a large number of fund also need not worry, now although the bank can go bankrupt close down, want not to put all fund in a bank only, "The egg is not put in a La Zi " , the country still has protection to 500 thousand the following depositor capital. If you have 600 thousand fund, can divide put 23 banks, the deposit of bank of so single home won't exceed 500 thousand.
Finally, put money bank, do not put the financial orgnaization with very little scope, the interest rate that although these places leave,gives is higher. In still had better selecting 4 big state-owned banks or the share-holding system that already appeared on the market small bank. Although such bank is put in bad assets to lead the issue that rising ceaselessly, but won't go bankrupt easily. Because be like,go bankrupt to produce systematization banking venture really if really.
The country allows a bank to go bankrupt, break grain property to taste rigid cash, basically be to warn a bank not to paper chaos to manage, giving an issue want him to be in charge of. But in be opposite at the same time, small depositor still ensures somewhat. So, also need not see this " byelaw " with respect to Wen Zhi color changes. To depositor, want to store oneself capital dispersedly only, the choice has the large bank deposit of actual strength, the thing that and know grain property tastes a country has been its reveal all the details no longer is OK.
