In life, have you ever seen two or three baskets to buy eggs? Have you ever seen eggs at home put into different baskets? What you rarely see is walking down the street and breaking eggs to a thin scale!
Using the relationship between eggs and baskets to explain that putting money in different banks can avoid risks, is actually a false proposition!
Yes, when depositing money, the depositor must consider the creditworthiness of such and such a bank, and only then consider the interest. Actually, several big banks are pretty much the same. The interest rate of local banks is high-risk, and if they can withstand the temptation, they can also avoid risks! There is no need to deposit 1 million deposits in four banks!
If one of the four big banks fails, will the other three banks be able to stand alone? To put it bluntly, if CCB fails, what value will our money have? Not to mention the 500,000 yuan "compensation," the money will not be worth anything, and 5 million yuan is just an Arabic number!
Moreover, the risk of depositing 1 million in four banks is no different from depositing in one bank. You deposited in four banks, two of them failed, and you lost $500,000. And I deposited 1 million in a bank, and the bank did not fail, do I have any losses?
I am not a practitioner in the industry, I don't know the specific situation, and there is no need to know more, and you have no way to know more! Here, I only look at it from the perspective of daily life, and it is better to put eggs into several baskets! His personal conclusion is that a basket is good, there is no need to put it into N baskets, there is no such phenomenon in life, and naturally the truth of "putting eggs in N baskets" does not exist!