#精品长文创作季#
For ordinary people, the safest way you can think of is to deposit money in your bank account, and it is very reliable to take the interest that the bank gives you every year.
However, have you ever thought about a question: What should we do if the bank goes bankrupt? It is understood that if the bank goes bankrupt, it can only compensate users for their deposits of 500,000 yuan at most, so what should be done with the rest of the deposits?
Don't deposit more than 500,000 in a bank, is it true or false?
1. Ordinary people have great trust in banks
At present, the annual interest rate of time deposits and demand deposits is getting lower and lower. Many banks also don't allow users to deposit large amounts of cash into their bank accounts in order to stimulate spending.
However, most people seem to be more and more determined to save money, even if they find various channels, they still want to deposit their money in the bank.
After three years of the epidemic, the economy of the whole country and even the whole world is very sluggish. In order to stimulate everyone's consumption, the state naturally does not want everyone to keep their money in the bank.
In addition to time deposits and demand deposits, banks have also launched many wealth management products, which will have higher returns, but also come with certain risks.
All things considered, most people are still willing to put their money in the bank. Now it has been suggested that banks are not the safest place.
If the bank is not doing well, it is also in danger of going bankrupt. This incident occurs more frequently abroad, resulting in the loss of property of many users.
Once a foreign bank goes bankrupt, the principal plus interest paid to the individual is only 500,000 yuan. The bank is not responsible for the amount exceeding 500,000.
At the same time, once one of these individual foreign banks fails, it will fail one after another, and users will not even have time to transfer their deposits.
This kind of thing rarely happens in China, and it also has a lot to do with the business model of mainland banks, which rarely go bankrupt.
In the early days of the country's development, at that time, the state encouraged everyone to save money. Because whether it is national construction or enterprise investment, a large amount of capital flow is required.
The state has come up with a higher deposit rate to stimulate everyone to save money, which is a win-win situation. Depositors received good interest and the country developed.
Generally speaking, banks are also very reliable. The bank's business model ensures that it will not go bankrupt easily, let alone fail to repay the user's deposits.
First of all, banks can raise funds, which of course come from users' deposits. Banks pool these deposits together to invest in certain projects.
Because banks invest a large amount of money in this financial institution, they usually participate in the company's profits as shareholders.
In the absence of any surprises, the bank will naturally get a lot of profits. Of course, banks also need to give users a return, which is often referred to as interest.
Second, banks play a macroeconomic role in regulating and controlling the entire country's economy. As far as the country's major banks are concerned, they are the tools of the state to regulate and control the entire market economy.
Banks can issue loans for enterprises, increase the flow of funds for the whole society, and of course, they can also make loans to stimulate the development of the industry.
The stable development of banks is also an important manifestation of the stable development of the country's economy, and in addition, part of the bank's income also comes from card opening fees and information fees.
Banks notify users of certain bank card operations through SMS fees, and some banks have also launched credit card services to directly deliver loans to users.
The interest and annual fees of these credit cards are also a significant amount of income, so the bank has a lot of income channels and generally does not go bankrupt.
2. What happens after a bank goes bankrupt?
However, there are always exceptions, and some banks still have a high probability of bankruptcy in some special circumstances. Users should keep their eyes open when depositing money, and never be fooled by the superficial prosperity of some banks.
Some banks that are about to go bankrupt always try to create a state of operational stability. When the bank's deposit rate is too low, everyone should be careful at this time.
This means that the bank cannot pay the relatively high interest, and if you have a large amount of deposits in this bank, you have to transfer the deposits to other banks as soon as possible.
In addition, some banks are on the verge of bankruptcy and are no longer able to afford the interest of their users, and they cannot pay these interest to their accounts on time.
If a bank can't even pay interest, it means that it is really going bankrupt, and it can run as fast as it can.
Once a bank goes bankrupt, it begins to liquidate its assets. What everyone is more concerned about is what to do with the user's deposit? Is it true that the part exceeding 500,000 yuan can not be obtained?
This is also rare in China, because mainland banks are closely related to the entire financial industry, and bank bankruptcy is just a way of capital restructuring.
In China, if an individual wants to open a bank, then he must go through the strict review of the central bank, and only after approval can he be qualified to open a bank.
Moreover, in the process of operation, banks must also be supervised by the central bank at all times. As soon as there is a large operational risk, then the central bank will issue a warning.
The operation of the bank is subject to supervision and restraint from all sides, and if it eventually goes bankrupt, the central bank will step in to solve the problem.
From a socio-economic point of view, it is not important whether a bank opens or goes bankrupt, but how the funds behind it are distributed.
Before a bank goes bankrupt, the central bank encourages other banks to buy the bank. This will not only allow the original operator of the bank to hand over the operating rights after receiving a sum of money, but also prevent the bank from going bankrupt for the time being.
After the bank is re-acquired, each financial institution adjusts according to the bank's development and capital investment.
Funds will be allocated to projects with less risk and higher returns to obtain more returns. The proceeds will be used to save the bank from bankruptcy.
After the bank comes back to life, the user's funds will naturally not be lost, whether it is withdrawn or continued to be deposited, it is the user's freedom.
There is, of course, a solution to the liquidation of a bank's assets when it is finally declared bankrupt.
It would be better if there was a financial institution willing to acquire, but if no institution was willing to acquire, it could only be done by liquidating all the property in the name of the bank, including property such as real estate and some stocks.
These properties are cleared and will be taken out as soon as possible to solve the user's deposit problem. There is no big problem with this property to pay the principal and interest of all users, and if there is any surplus later, it will be handed over to the bank.
In the mainland, there are two ways to protect the rights and interests of users, so there is no need to worry too much about the loss of their property if the bank goes bankrupt.
3. What is the probability of more than 500,000 non-compensation?
For decades, it has been rare for users to lose access to their assets due to bank failures, which is why many people ignore this.
As a matter of fact, judging from the current deposit situation on the mainland and the people's awareness of deposits, this incident will hardly happen.
Influenced by the Internet, everyone's attitude towards money is very impetuous. I have seen too many rich people on the Internet sharing their millions of consumption, which makes everyone feel that 500,000 yuan is a small deposit.
According to statistics, there are only over 5 million people on the mainland who have 500,000 deposits. Judging from the base of more than one billion people in China, this is indeed only a small part.
Very few people have enough savings, so they don't have to worry about the problems that come with a bank going bankrupt.
And these people who have more than 500,000 deposits, almost all of them have strong financial management ability. Generally speaking, these people do not keep all their money in the bank for interest.
Because the interest brought by this money cannot even withstand the rate of inflation, they are more willing to choose some financial products.
At present, these wealth management products are also less risky and much higher than the deposit interest rate of banks, so they do not put all their money into bank accounts.
Moreover, there is a saying on the mainland that they should not put all their property together and put them separately where they can play the greatest role, so as to ensure their safety to the greatest extent.
These deposits are divided into several parts, some are used to deal with emergencies in the family, some are used to invest and manage money, so that more money can be brought back, and some are placed in the bank as their last retreat.
In particular, it is difficult to guarantee that the bank's deposits of more than 500,000 yuan after bankruptcy will be returned to their hands, which will lead these people to adopt a practice of "not putting all the eggs in the same basket".
Some people will divide the money into multiple batches and deposit them in different banks with an amount of 500,000 yuan each, which is also a way of financial management.
This practice is not only reflected in user deposits, but also in the mainland's attitude towards international trade. Whether it is oil, food, or various energy sources, the mainland will never cooperate with one country, but will cooperate with multiple countries at the same time.
In this way, if something goes wrong in a certain country, it will not affect the social stability of the mainland. It also gives the country enough time to respond to the situation enough for us to find the next collaborator.
This is also true when it comes to bank deposits. If you understand this approach, you can effectively avoid this situation.
epilogue
In the mainland, bank bankruptcy is actually a relatively extreme thing. For now, it is unlikely that a bank bankruptcy will cause damage to user deposits.
On the one hand, it is the unique operation mode of the financial industry in mainland China that plays a role in protecting the safety of users' deposits to the greatest extent. On the other hand, it is also the wisdom of a large number of users that allows them to effectively avoid property losses.
Generally speaking, the fact that most ordinary people put their money in the bank is actually very safe.