People like to keep their money in the bank. It is safer and more convenient. The bank will give us corresponding interest. We all know that banks can't steal money from customers. When you withdraw money, you have to pay as much as the deposit. If 1.3 billion depositors in China withdraw all their money from the bank at the same time, will the bank collapse?

Of course, according to China's national conditions, we don't have 1.3 billion depositors. Many people from remote mountainous areas don't even have enough to eat. Where did their savings come from? Even if there is, it won't be the same day. Even if you happen to be there or you have an appointment. It will take months to withdraw such a large sum of money. The bank's atm machines spit money continuously for 24 hours, and there may also be rest vegetables. So during this period, banks have many ways of working capital.

of course, the bank has taken adequate preventive measures since its establishment. For example, use demand deposits and time deposits. The interest rate of time deposit is relatively high. It attracts many people to choose time deposits. This means that depositors can't withdraw money on the same day. In this way, banks will have enough time to use the money for various financing loans. Make more money.

in other words, if 1.3 billion people go to the bank to withdraw money at the same time. First, the road will be blocked. Then when you go to the bank to queue up to withdraw money, it is estimated that the whole person will wait until despair. Some people may think that I use WeChat or Alipay software to withdraw money from my mobile phone. Even so, the server channel will become very crowded, because too many people use it at the same time. Even the whole machine is paralyzed.

if all these problems are solved, banks will inevitably close down, triggering a financial crisis. We know that banks usually use two-thirds of people's money in banks for loans and bonds. When the crisis comes, banks are trying to return money to depositors. Some individuals and enterprises have to pay off their debts. This will lead to the bankruptcy of many companies.

so don't fantasize. It's not going to happen. If it does happen, we will try our best to control the situation. Because it will bring devastating consequences to all industries.