With the recent emergence of uncompleted residential flats in many real estate projects across the country, the storm that triggered the risk of loan suspension and supply interruption has been spreading, and many bank depositors have begun to worry about whether the security of their deposit funds in the bank can be guaranteed. Sun Tianqi, director of the Financial Stability Bureau of the People's Bank of China, publicly stated: China's financial risks are convergent and generally controllable. 99% of the assets of China's banking industry are within the security boundary, and China's banking industry is generally stable and safe. # Finance # # Bank # # Bank # # Finance # # Investment #
In the view of informed finance, this time, the statement of the central bank governor gave everyone a reassurance.
Author: Finance and Economics have material, brothers have material, Finance and Economics
Open Netease News to view wonderful pictures.
In the view of informed finance, two main messages are revealed:
First, the security of bank deposit funds is fully guaranteed.
As bank depositors, we ordinary people don't need to affect the overall impression of China's banking industry because of individual events.
Especially since the implementation of the Deposit Insurance Regulations in 20 15, it has been clearly stipulated in the form of law that the total principal and interest of any individual's deposit in the bank does not exceed 500,000 yuan, which is not affected by the bankruptcy, closure and liquidation of the deposit bank, and can be paid in full by the bank deposit insurance system 100%.
For the part exceeding 500,000 yuan, compensation shall be made according to the results after bank bankruptcy liquidation.
Open Netease News to view wonderful pictures.
Set a high threshold of 500,000, which can meet the deposit safety of the vast majority of people in the country. After all, the proportion of individuals with bank deposits of 500,000 yuan or more in China is only about 2%.
If your bank deposit exceeds 500,000 yuan and you are worried about losses caused by risk events, I suggest that you deposit money in several banks, because the red line of full payment of 500,000 yuan in the bank deposit insurance system is aimed at the principal and interest of your deposit in a bank, and it is not calculated by superposition.
If your personal deposit reaches 2 million yuan and is scattered in four or five banks, you can get the full payment protection of bank deposit insurance, and this risk problem can be solved.
Open Netease News to view wonderful pictures.
Second, there are indeed a few banks with high operational risks, and bank deposits should be selected in general elections.
The person in charge of the central bank pointed out that there are 3 16 8-D high-risk banking financial institutions, and the number of high-risk banks accounts for 7% of the total number of participating institutions in the banking industry, but the asset size only accounts for 1% of participating institutions in the banking industry.
What is the concept of 7% high-risk bank? In other words, one of the average 14 domestic banks is high-risk, mainly concentrated in small banking institutions such as village banks and rural credit cooperatives.
Therefore, I hope to give a financial advice to depositors who are worried about the safety of bank deposits. Don't covet the high interest rates of small and medium-sized banks and choose large and small bank deposits.
Open Netease News to view wonderful pictures.
That is to say, when saving money, Chinese people give priority to the state-owned banks with the best asset quality and the highest credit guarantee, such as Industrial and Commercial Bank of China, Bank of China, Agricultural Bank, China Construction Bank, Bank of Communications and China Postal Savings Bank.
Followed by national joint-stock banks, such as China Merchants Bank, China CITIC Bank, China Everbright Bank, Huaxia Bank, Industrial Bank, Ping An Bank, etc. Try to avoid micro-banks such as village banks.