In June, 42 small and medium-sized commercial banks disappeared, and in the first half of this year, according to relevant statistics, 83 banks disappeared.
In June, according to the data released by the central bank, 42 small and medium-sized commercial banks received the news of merger and reorganization and approval.
Just two days ago, the State Administration of Financial Supervision of Hebei Province agreed to the Bank of Hebei to acquire the Jiyin Village Bank of Pingshan Xibaipo, and a little earlier, the State Administration of Supervision of Guangdong Province agreed that Dongguan Rural Commercial Bank should absorb and merge Huizhou Zhongkai Dongying Village Bank and Dongguan Dalang Dongying Village Bank, and on the same day, the State Administration of Financial Supervision agreed that Liaoning Rural Commercial Bank should absorb and merge 36 other small and medium-sized rural commercial banks in Liaoning.
In other words, in just one week, 39 small and medium-sized commercial banks in rural areas disappeared.
According to the statistics given by the departments concerned, in just half a year, 32 village and township banks, 35 rural commercial banks, 15 rural credit cooperatives, and one urban commercial bank were merged in the form of reorganization.
What is the impact on depositors after these small and medium-sized commercial banks receive the approval for merger and restructuring?
For most of us ordinary people, keeping money in the bank is nothing more than worry-free security. Sometimes the money is deposited in this bank because it is close to his home, and sometimes the deposit bank is because the interest rate given by this bank is slightly higher.
In particular, these small and medium-sized commercial banks, due to various reasons such as popularity and scale influence, have certain difficulties in basketball before, so these small and medium-sized commercial banks often give higher interest rates than large commercial banks.
And now in the face of these small and medium-sized commercial banks disappearing one after another, being merged and reorganized, will there be any risks for depositors to keep their money in these small banks?
First of all, these small and medium-sized commercial banks were merged and reorganized, which means that the bank that received the merger and reorganization also received the bank's deposits and related debts.
For depositors, with the relevant deposit certificates, the restructured bank can also go through the deposit procedures without any impact.
However, for some relatively remote areas, there were not a few banks in the villages and towns, and now these small and medium-sized commercial banks have been merged, which will indeed bring some trouble.
In some towns and villages, these small banks have not even had outlets after being merged, and if they want to handle related business, they have to go to the county seat or even the urban area.
Why are these small banks being merged?
The more banks there are, the more choices there are for depositors, and the competition between banks is greater, and depositors can choose banks with higher interest rates to make deposits, and they can also get a relatively little more interest from them.
Now, the main purpose of merging these small banks is to avoid competition among their peers.
For some small banks, there are certain shortcomings and deficiencies in their own operation and management, and blindly raising the interest rate on deposits to absorb deposits is not a good development for banks.
The high interest rate of the bank's deposit means that the bank has compressed its profit margins, and the bank is bound to turn to other investments with higher returns if it wants to obtain sufficient profits to ensure the normal operation of the bank.
We all know that high returns mean high risks, and once the bank's investment risk exceeds the range of what he can bear, then it is likely that the bank will have all kinds of problems.
In particular, the market has not been good in the past two years, and the returns of some small banks in terms of investment have also been relatively bleak, which has led to a series of problems.
In the past two years, there has been a problem of village and township banks being unable to withdraw money, and small commercial banks have successively announced their dissolution. Under such circumstances, it is necessary to consolidate small banks in order to reduce risks and protect the depositors' deposit rights.
For those large and medium-sized commercial banks, due to their greater visibility and influence, they have more advantages in all aspects and have a stronger ability to resist risks.
What should depositors pay attention to when going to the bank to make a deposit?
Small banks are dissolved by mergers, and they do not need to worry about their deposits, but if the banks are merged and dissolved, it cannot be said that there is no impact on depositors.
It is most likely that after these small banks are merged and dissolved, the corresponding bank branches will be closed, and they may have to go further to do business.
In addition, these small banks generally give higher interest rates than large banks, so after the small banks are merged and dissolved, the competition between banks will be smaller, and depositors' deposit income will be relatively lost.
So for depositors, how to handle their deposits in such an environment? For the vast majority of ordinary people, the amount of money deposited in the bank is relatively limited, and the safety of the deposit must be the first priority when depositing.
Judging from the current market situation, the deposit interest rates given by major banks have fallen below 310,000 yuan, and the deposit banks cannot get 300 yuan in a year.
Even if the deposit interest rate given by some small banks is slightly higher, it is not much higher, and in such an environment, it is very necessary to choose to protect the safety of the principal of your deposit.
First of all, when we go to the bank to make deposits, it is best to choose those large and medium-sized commercial banks, or directly choose the six major state-owned banks.
The six major state-owned banks are backed by the state's credit and keep their money in them, so they don't need to worry about bankruptcy and bankruptcy. It's just that the money is deposited in the six major state-owned banks, and compared with other banks, there is no advantage in terms of interest income on deposits.
If you want to ensure the safety of your deposit and get a relatively high interest on your deposit, then when you choose a bank to make a deposit, it is best to go to the Internet to check the bank's operating conditions in advance.
If the bank has been punished by the regulatory authorities many times, then it is better to change the bank for deposits, after all, there are more than 4,000 banks in the country, and find another one.
When making a deposit in a bank, it is also best to control the amount of deposit within 500,000 yuan.
According to the relevant national laws, all legal banks are required to take out deposit insurance. The Deposit Insurance Regulations clearly point out that if a depositor's deposit amount is less than 500,000 yuan, once a bank fails and goes bankrupt, the depositor's deposit can be compensated in full, while if the deposit amount exceeds 500,000 yuan, it is necessary to wait for the bank to go bankrupt and liquidate before being repaid in turn.
Therefore, when handling deposits in legal banks, the amount of deposits can be controlled within 500,000 yuan, which can ensure the safety of the principal of their deposits to a certain extent.
Can controlling the deposit amount within 500,000 yuan absolutely guarantee the safety of the deposit? Obviously, it doesn't have much to do with choosing a reliable bank deposit earlier.
Because if a bank really fails and goes bankrupt, it does not mean that it will fail immediately, but there will be a process. It is likely that depositors will not be able to withdraw their money before, and if you want to use your money at this time, you can only look at the numbers on your bank account.
As for when the deposit insurance claim can be received, this also needs to be a process. Relatively speaking, during this waiting period, the suffering faced by depositors is unbearable for ordinary people.
Therefore, once again, when going to the bank to make a deposit, in addition to controlling the deposit amount within 500,000 yuan, you must check the operating conditions of such a small bank.
In addition, it is best to go to the bank counter to apply for a paper certificate of deposit when going to the bank to make a deposit.
Why? Although there are many ways to make a deposit, you can operate it directly on your mobile phone or go to the counter with a bank card, but the most traditional deposit certificate deposit method is actually the safest deposit method.
Why?
A paper fixed-term deposit will indicate the time of deposit, the amount of the deposit and the person in charge of the deposit, as well as the maturity time of the deposit, and the special seal of the bank. And these are all legally valid evidence to prove that you did deposit this money in this bank.
Write at the end
At present, the deposit returns of all banks are relatively low, and whether it is a large bank or a small bank, when handling deposits, it is first necessary to ensure the safety of their deposits.
Although it is a bit troublesome to go to the bank counter to apply for a paper certificate of deposit, this deposit method may make you invincible at a critical time.