Unless there is an extreme situation, the risk of saving money in a village bank is very small. Village banks are formal financial banks, which have been formally approved by relevant administrative departments and have sound business plans. Deposits in rural banks enjoy the same treatment as other banks, both of which are protected by insurance compensation system. The maximum payment for deposit insurance is 500,000 yuan, and as long as the deposit does not exceed 500,000 yuan, it can be paid in full. If the deposit amount is large, you can really worry about it and deposit it in different banks.
Village banks are not private banks that people talk about every day. It is established and controlled by large commercial banks or local commercial banks, and absorbs some private capital, and is supervised by China Banking Regulatory Commission and China People's Bank. If there is a liquidity problem and the depositor's deposit cannot be paid, the sponsor bank will honor the depositor's deposit for withdrawal. Money deposited in village banks has double insurance. First of all, if the village bank is not well managed, the host bank will bear the payment of the deposit. Second, the current banking financial institutions, including village banks, have deposit insurance. As long as a single bank pays a maximum of 500 thousand, the safest measure is not to put eggs in one basket. At present, rural banks basically do not charge any fees for their business. Good service, flat management mode and flexible management system. Loans are convenient and fast. There are various ways to guarantee it.
It is clearly stipulated in the banking law that after a bank goes bankrupt, all the funds will be returned to depositors below 500,000. If the deposit exceeds 500,000, the maximum payment can only be 500,000, and the remaining money needs to be paid to the depositors in proportion after bank liquidation, which takes a long time. Banks should not fail so easily now. As long as the banking system is perfect, the asset management is good and the non-performing loan ratio is reduced, banks can operate normally and achieve the goal of profit in the process of normal operation.