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Will the bank go bankrupt?

Questioner: @a.*** City: National Label: Bankruptcy Question Time: 2017-09-19 10:14
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  •             Enthusiastic friends
    2017-09-20 15:15
            On November 30th, the "Deposit Insurance Regulations (Draft for Comment)" was officially released, and the society was asked for advice within the next 30 days. According to Article 5 of the Exposure Draft, deposit insurance is subject to a limit payment of up to RMB 500,000. The so-called deposit insurance system refers to the establishment of an insurance institution by qualified depository financial institutions. Each deposit institution acts as an insured to pay insurance premiums according to a certain proportion of deposits, and establishes deposit insurance reserves when member institutions A system in which a deposit insurance institution provides financial assistance or directly or partially deposits deposits with depositors to protect depositors' interests, maintain bank credit, and stabilize financial order. In other words, once the bank encounters a business crisis and goes bankrupt, the depositors' deposits can still be returned, and the insurance company will compensate.
  •             Enthusiastic friends
    2017-09-20 17:50
            According to statistics, as of the end of 2011, 111 countries around the world have established deposit insurance systems, and China's deposit insurance system will also be officially introduced during the year. According to the "Deposit Insurance Regulations (Draft for Comment)" announced by the central bank on November 30, deposit insurance is subject to a limit payment of up to RMB 500,000. In other words, if the principal and interest of all the deposit accounts of the same depositor in the same bank add up to less than 500,000 yuan, they can pay in full; the part of more than 500,000 yuan is compensated from the clearing property of the deposit bank. . At the same time, deposit insurance covers RMB deposits and foreign currency deposits of deposit-taking banking financial institutions such as commercial banks, rural cooperative banks, and rural credit cooperatives established in China.
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