In most people's minds, the security of banks is still very high, but there is no guarantee that all banks will not have problems. Although bank failures are not common, they are nothing new. Up to now, eight banks in China have declared bankruptcy. As early as 1998, Hainan Development Bank had a bank run due to the credit crisis. Later, the state allocated 3.4 billion yuan, which failed to restore the original state and declared bankruptcy.
Secondly, Shangcun Rural Credit Cooperative in Suning County, Hebei Province became the first bankrupt rural credit cooperative in China. Shantou Commercial Bank, the third bankrupt bank in China, was finally asked by the People's Bank of China to suspend business for rectification because of bad debts as high as 4 billion yuan. Then came Baoshang Bank, which was taken over by CBRC in May, 2065438+2009 due to its serious credit risk. Baoshang Bank formally filed for bankruptcy reorganization, becoming the fourth bank to fail.
Shortly after Baoshang Bank, two small and medium-sized banks had an accident, namely Jinzhou Hengsheng Bank and Jinzhou Bank. The major shareholder of Jinzhou Hengsheng Bank should have supported the development of the bank, but unexpectedly made some illegal acts. Through various forms, * * * defrauded the bank of a loan of1714 with a total loan principal of 2.6 billion yuan, and finally went bankrupt.
As for Jinzhou Bank, its performance kept growing until 20 18. However, from 2065438 to September 2009, the number of non-performing loans increased sharply, and the "internal bad debts" also increased significantly. According to the financial report, from 20 18 to the first half of 20 19, the accumulated losses of Jinzhou Bank reached 5.6 billion yuan. At present, Jinzhou Bank has signed an asset disposal framework agreement with Fang Chenghuida to sell assets for 45 billion yuan.
The first batch of two rural banks in Chongqing and Ningbo officially announced their dissolution. It is reported that two rural banks in Chongqing and Ningbo were dissolved by the local CBRC, namely liquidation and merger. This is the first case of village bank dissolution in China.
At this time, some people will worry that if the bank goes bankrupt, can depositors get all their money back?
In fact, according to China's deposit insurance system, deposits below 500,000 are guaranteed. Specifically, when the personal account deposit plus interest is less than 500 thousand yuan, the user can get full compensation; When it exceeds 500,000 yuan, the excess must be paid to the depositor according to the facts. However, according to the data of the central bank, 99.63% of the total users are users with deposits and interest below 500,000 yuan, which basically has little impact on personal deposits of banks.
However, this statement did not convince netizens. After all, there are still many depositors with deposits exceeding 500,000. Won't the part exceeding 500 thousand be compensated?
In this regard, when the central bank launched the "deposit insurance label", it specifically explained this issue. The central bank said that as long as it is a financial institution that has paid deposit insurance, more than 99% of users' deposits can be paid in full. For example, after the bankruptcy of Baoshang Bank, the deposit insurance fund and the central bank properly handled the depositors' deposits.
Then someone will ask, if the bank goes bankrupt, will our loan business "terminate"? Do you still need to pay back the car loan and mortgage?
As we all know, in the context of high housing prices, how many families buy houses by bank loans, and now even the survival pressure of banks is increasing, and many banks are on the verge of bankruptcy. Is it necessary to repay the loan after the bank goes bankrupt?
You know, banks are enterprises after all, and they rely on profits to maintain their operations. As a profit-making institution, banks have to ask you to repay the loan. Because once the bank goes bankrupt, the relevant institutions will take over the bank and the debt will be transferred. You just changed to a new creditor, and you still have to pay back the loan. There will be a special bank staff to contact you then.
In all three cases, the depositor didn't lose a penny of his money.
The first is financial products other than deposits. As we all know, banks not only have the function of saving money, but also have many wealth management products, which are good for insurance, funds and securities. After the bank goes bankrupt, wealth management products such as secondary bonds will not be paid at all.
The second is that banks that have not purchased deposit insurance do not pay. Basically every bank will buy deposit insurance for depositors' deposits. More than 500 thousand paid through insurance. But if banks don't buy insurance, depositors won't get compensation.
The third is that depositors' deposits have been lost. So, if you deposit money in the bank, try not to change the deposit type. If you have the conditions, please purchase the corresponding deposit insurance to avoid your property loss.
Although the possibility of bank bankruptcy is small, it is not impossible. No matter what you think of bank bankruptcy, since the central bank has made a promise, depositors don't have to worry about the loss of their deposits. But we need to understand that in order to avoid unnecessary troubles, it is recommended to separate our deposits in several banks. After all, once the bank really declares bankruptcy, it is the depositors who are really affected. What did you say?/Sorry?