Is there any guarantee for personal deposits in bankruptcy of Shaanxi Credit Cooperatives Bank?

The state has once again promulgated the Deposit Insurance Regulations to protect the safety of depositors' deposits. Thanks to this insurance regulation, even if the bank fails, the deposit safety of depositors will be guaranteed. Although the Deposit Insurance Regulations can protect everyone's property, not all cases can be settled.

: the situation that the safety of property cannot be guaranteed.

The first is the loss of deposits! The Deposit Insurance Regulations mainly aim at the compensation for depositors due to bank bankruptcy. Especially in the case of bankruptcy caused by poor management of banks. And if your deposit is not lost because of bank failure, then the deposit insurance regulations are invalid. However, you don't have to worry about this situation. If it is not caused by its own reasons, it is a problem of bank management. Although the Deposit Insurance Ordinance does not care about this situation, banks need to be responsible. You can get your deposit back through judicial channels.

The second is wealth management products. Neither the income nor the principal of wealth management products are covered by the Deposit Insurance Ordinance. The Deposit Insurance Ordinance only guarantees the safety of depositors' deposits, and financial management itself has certain risks, so even if the bank fails, you can't get compensation. Therefore, to buy wealth management products, we must be prepared to bear the losses.

The third is the wealth management products sold by banks. Some people may think this is the same as the one above. It's actually different. The above situation is the wealth management products sold by the bank itself, but now what Bian Xiao wants to talk about is the wealth management products sold by the bank. It does not belong to the bank itself, but to some financial institutions, but the other party has a cooperative relationship with the bank to sell their wealth management products on its behalf.

When the bank goes bankrupt, such products no longer belong to the scope of compensation. Fortunately, however, because such products are sold by banks, they are not directly owned by banks. Therefore, even if the bank goes bankrupt, as long as the original issuer is still operating normally, the wealth management products will not be affected. But also, even if the bank does not fail, once the issuer has problems, the financial management of depositors will be affected.