I have met before, some people will forget their savings. When they thought about this problem, they found that the bank no longer existed. What should I do? Will the funds suffer losses?
In fact, don't worry, as long as you still have the certificate of deposit, the money is still yours and you can get it back at the bank.
For example, some urban credit cooperatives or rural credit cooperatives have been changed into urban commercial banks or rural commercial banks, and their outlets will also change. In this case, if you have the original deposit slip and continue to withdraw money from the changed bank, they will provide you with services according to the normal deposit.
Recently, many domestic banks began to merge their outlets. It is reported that more than 6,000 outlets have been reduced this year. The main reason is that in order to control costs, banks have gradually reduced physical business services and increased electronic banking and online banking.
If you set up a five-year time deposit in a nearby branch, when the deposit expires, if you go to the original branch to withdraw it, you may find that the original branch has disappeared because of the bank branch.
There is no need to worry about this situation. As long as you go to any branch of the same bank, you can withdraw the due deposit.
There is another situation, that is, the outlet of your deposit has been cancelled, but your deposit has not expired. This situation may be a bit troublesome if you want to take it all out and close the account in advance. You need to know from the bank where the branch where you deposit has moved, and you may encounter problems in closing accounts at other branches.
The money is still there, it won't be lost, don't worry at all! The bank's physical outlets are gone. Generally, it is the cancellation, relocation or merger of outlets. Of course, it may also be a bank merger and reorganization. But even if the bank is reorganized, it will be your money, and it will not be less!
In fact, every year banks merge, cancel and relocate some physical outlets, which is normal! For example, in 20 19, the six major state-owned banks reduced 836 outlets; By May 2020, the bank has closed 804 outlets.
The main reason why banks close (or merge or cancel) some physical outlets is that with the ready-made business being more and more recognized and used by the public, the business volume and efficiency of bank outlets are obviously reduced, and banks will naturally choose to merge offline outlets in the same area, which should be regarded as an optimization of resource allocation!
For a simple example, there are three outlets A, B and C in a certain area, but due to the insufficient business volume of a single outlet, the bank considers canceling the two outlets B and C and taking over all the business of outlet A! This can greatly improve the efficiency of a single point and reduce the cost.
But this outlet has been merged, but the bank still exists, and the depositors' deposits are still guaranteed! At this time, depositors only need to take the deposit certificates held by outlets B and C to withdraw money from outlets A, and there will be no financial loss!
Although banks are allowed to go bankrupt, it is almost impossible for them to go bankrupt under the domestic financial supervision system. Once commercial banks encounter operational difficulties, the ultimate solution is to be merged and reorganized by other banks, not to go bankrupt!
Take the original contractor Bank as an example, its business was taken over by Shang Meng Bank (in Inner Mongolia) and Shanghui Bank (in other regions) respectively!
At this time, if your deposit is made in Inner Mongolia, you can withdraw it directly from Mongolia Commercial Bank. If it is in other regions, ask the bank of WeChat business.
First of all, don't worry. It is common for bank outlets to merge. Some time ago, we saw reports that more than 900 bank outlets were cancelled.
Bank outlets can be established according to the needs of business development. Of course, if they lose money because of poor management, they can also be removed from the list. Banks are also companies in essence, pursuing self-management, self-financing and profit maximization.
The cancellation of bank outlets does not mean that their accounts disappear. Before cancellation, a bank branch will transfer related business and accounts to another branch and become the business of another bank branch.
So you don't have to worry about your money. Actually, you don't have to go to a branch. You can do it directly through online banking or at other branches of this bank. There is no need to go to the branch where you open an account.
To say the least, even if this bank goes bankrupt due to poor management, you will get the bank deposit insurance payment, of course, this payment range is within 500,000 principal and interest.
Affected by the epidemic this year, China's economy continued to decline, and all walks of life were seriously affected. The financial industry is no exception. The epidemic has changed people's lifestyle, and banks are also facing digital transformation to meet the needs of current development.
When digitalization and online become more and more popular, more bank outlets will disappear, and it is unnecessary for people to go to bank outlets to handle business online.
In short, as long as your money is placed in a formal bank, not some so-called small loan companies and other informal financial institutions, you can rest assured that you have 100, and you definitely have money.
The "disappearance" of branches of banks does not mean the disappearance of banks. These are two different things. In recent years, with the rapid development and changes of the city, some offline outlets of banks have been directly merged or cancelled, and some have moved to other places because of demolition.
But generally speaking, banks will publish the latest announcement on their official website before the merger, relocation or even cancellation of outlets, or they may inform them in advance by posting notices at the original outlets. So you can check the official website information of this deposit bank.
In addition to the merger of the above outlets, there is another reason that everyone is familiar with, that is, the rapid development of internet finance technology has gradually reduced the opportunities for customers of many banks to contact banks, the cost of offline outlets is getting higher and higher, and the "idle rate" is not small, so they are forced to choose to close them with high technology and technology.
In short, you don't have to worry about the money (due time deposit) flying, and it is still lying in the bank account as always. At present, many banks have begun to reduce the number of offline outlets, which is the future trend. But you can handle the withdrawal business through other branches of the bank, which is no problem.
Don't worry, my friend, you won't lose your money.
According to your description, Lao Liu thinks that you are likely to encounter the abolition, relocation or merger of bank outlets. Of course, it may also be the liquidation and reorganization of banks, but the latter is unlikely, because the news did not disclose which banks are being reorganized recently.
In fact, many bank outlets were abolished or merged after the year. According to the information disclosed on the website of the China Banking Regulatory Commission, from the beginning of this year to mid-May, more than 800 bank outlets across the country have closed.
Part of the reason for this situation is the digital transformation of banks, more and more banking business can be transferred to online processing, and some outlets are not necessary to continue to exist; Part of the reason is that in order to improve the efficiency of bank outlets, those outlets with small traffic and small customers will be gradually cancelled or merged, which can further reduce the cost of banks.
Lao Liu thinks that you are likely to encounter the above problems. In general, the abolition or merger of bank outlets will send SMS reminders to customers. You can read the short message. Don't worry if no one reminds you, just call the customer service phone of the head office of the bank.
What is clear is that even if the outlet is cancelled and the official seal of the outlet is cancelled, your deposit is still there and you can still withdraw money normally. Because, after all, the head office of the bank is still operating normally, you only need to go to any bank branch under the bank to ask which branch the branch has moved or merged with, and then go to the new branch to withdraw money.
In fact, this possibility does not exist, because such a big thing as bank restructuring will definitely be disclosed in advance, and the restructured bank will also notify the debtors and creditors in advance.
At present, only the contractor bank in China is restructuring, and other banks are operating normally.
On the other hand, it doesn't matter even if there is a bank reorganization. The debts and bonds of the restructured banks will be transferred to the banks or institutions involved in capital injection, and the deposits will certainly not be lost.
To sum up, the high probability you encounter is the abolition or merger of outlets. Now you can call the customer service of the head office of the bank and ask where the new outlet for receiving business is, or if there are any other outlets of the bank nearby, you can go directly to the online store to ask.
But don't worry, your deposit can be accessed normally.
Don't worry, as long as your money is in a regular bank, not a fake bank selling dog meat, nothing will happen and your money will not be less. The bank outlets where you used to deposit money are gone. There may be two reasons:
With the development of Internet finance, many businesses can be handled online. Fewer and fewer people go to bank outlets to handle business, and many bank outlets have no business. Therefore, in order to streamline institutions and reduce operating expenses, many banks have cancelled or merged many outlets. In this case, you can call the bank's customer service phone to ask, and they will tell you which outlet the previous outlet merged with, and then you can go to this outlet to handle it. If it is deposit or withdrawal, you can do it again.
Now the bank has been allowed to go bankrupt. If the bank goes bankrupt, depositors can enjoy the protection of the Deposit Insurance Regulations, with a maximum compensation of 500,000 yuan. The part exceeding 500,000 yuan shall be paid according to the assets at the time of bank bankruptcy liquidation, and the deposits within 500,000 yuan shall be paid in full. If it is a reorganization between banks, the deposits of the original depositors will not be affected. Generally speaking, the bank will inform you to handle the new deposit procedures by SMS, and you may need to change your passbook, but it will not affect you.
Hello, my friend, don't panic. Maybe this friend doesn't often go to the bank to do business, and has a time deposit, so he can sit back and relax. When I go to withdraw money, the outlets are gone, which will inevitably surprise me. Clear reply: the principal will not be less, and the interest will still be taken. There are two situations in which dots disappear, which are easy to solve.
First of all, combined with practice, to analyze 1 possible situations and solutions:
Merger, cancellation and migration of outlets: With the development of the Internet, the popularization of computer banking and mobile banking, and the intensification of competition in the banking industry, the business focus of banks has shifted from developing outlets to improving quality and products and services. In this case, many outlets will be cancelled or merged, and resources will be integrated to provide better services.
Solution:
1, universal deposit. At present, most time deposits are universal deposit and withdrawal, so this outlet has disappeared. In the same bank nearby, outlets can also handle business. And enjoy the same treatment as the original outlets, and the principal security must be fixed and guaranteed.
2. Non-universal deposit, universal deposit and time deposit: usually, another outlet or a higher-level outlet will be arranged to handle the corresponding business. You can go to the nearest business hall, consult and know the location of the next higher level or other designated outlets, and you can handle it normally. Peace of mind.
Summary: The cancellation of merged outlets of the same bank will not affect depositors' deposits and interest, so you can rest assured.
Secondly, combined with practice, analyze another possible situation and the treatment plan:
Bank restructuring and upgrading: careful friends may often find that a credit cooperative has been upgraded to a rural commercial bank, and so on. In this case, the newly restructured bank will inherit the depositors' deposit business of the old outlets and banks. The variety, time and interest of depositors' time deposits will not be affected.
Solution:
When you go to a newly established bank, you can handle your business normally and enjoy better services.
Summary: With the development of financial market, there may be more bank mergers and acquisitions in the future. Not only does it not affect the rights and interests of depositors, but it can also enjoy better services.
To sum up:
Don't worry, don't panic, go to the bank to get the due deposit, and the bank outlets are gone. There are two main factors, one is merger and the other is combination.
No matter which one will protect the rights and interests of depositors, the principal will not be less, the interest will be fixed, and the product variety will not change, which is conducive to enjoying better services.
Now there are fewer customers coming to the store, and the bank is considering the cost factor. In fact, the number of physical outlets is decreasing now, and with the empowerment of financial technology, the density of outlets will increase in the future, so don't worry about this situation.
Some time ago, I read a news: According to the data of the financial license information platform of the China Banking Regulatory Commission, at least 804 bank outlets closed down from June 65438+ 10/to May 1 2 this year. Compared with the withdrawal of more than 730 outlets in the same period of 20 19, the closing speed of outlets has improved. Judging from the types of failed banks,
As far as cost is concerned, "in a big city, a bank's physical outlets must save at least 500 million yuan a year to maintain a balance of payments, and the pressure on grassroots employees is not small. Closing down may not be a good thing. For grass-roots employees, it is profitable for banks, but it brings inconvenience to customers to handle business to some extent.
To sum up, if you encounter this situation, don't worry. Even if the bank outlets move, the banking system is still there, so your deposit information is still there. You can take the following two measures:
First, make time deposits at other bank outlets. Generally, if outlets are cancelled, there will be corresponding outlets to accept customer information such as deposits and loans. When the bank moves or abolishes, it will issue an announcement in a prominent position, and you can browse the contents of the announcement carefully, so that you can go to the corresponding outlets to handle business more pertinently.
The second is to operate through mobile banking. At present, the replacement rate of mobile banking counter business is very high, and some basic businesses can be handled online without going to the counter. Through mobile banking, you can run fewer outlets and handle business more efficiently.
Now all bank outlets are connected to the national network, and any outlet can handle time deposit withdrawal business, so don't worry about deposit withdrawal.
For the promotion of mobile banking, most non-cash businesses can be handled in mobile banking, not necessarily at the counter of bank outlets. It is normal that the shrinking business of outlets leads to the cancellation and merger of outlets, and all the business is collected in the accounting bank. Don't worry about the loss of deposits.
Don't worry, the money won't be lost.
As long as the money has a legal banking structure and real banking media (such as cards, certificates of deposit, etc.). ), you can go to any branch of the bank without losing money. Don't worry.