What does the deposit insurance regulation mean when every transfer information is prompted?

Remind you of the deposit insurance regulations every time you transfer money. The bank wants you to apply for deposit insurance.

1. According to the Regulations on Deposit Insurance, deposit insurance is paid by a limit, and the maximum payment limit is 500,000 yuan. If the total amount of principal and interest deposited in the same bank is less than 500,000 yuan, the depositor can enjoy the full protection of deposit insurance. However, this does not mean that deposits of more than 500,000 yuan are not guaranteed, and deposit insurance can provide full protection for more than 99% depositors of all insurance institutions. Second, from the experience of countries and regions that have established deposit insurance systems, in most cases, the deposit insurance fund is used to support other qualified insurance institutions to "take over" the problematic insurance institutions and acquire or undertake their businesses, assets and liabilities, so that depositors' deposits can be transferred to other qualified insurance institutions and continue to be fully guaranteed. If it really cannot be purchased or undertaken by other insurance institutions, the deposit of the insured will be paid directly according to the maximum payment limit. In addition, deposits exceeding the maximum repayment limit can be compensated in proportion from the liquidation property of insurance institutions according to law. In China, there are precedents to follow. 2065438+In May 2009, Baoshang Bank was taken over. The relevant departments use the deposit insurance fund and the central bank to make acquisitions and undertake, and fully protect all kinds of creditors of the contractor bank. 65,438+000% of the principal and interest are fully guaranteed for individual customers and corporate and peer-to-peer institutional customers with RMB 50 million or less.

Third, the banking threshold should be lowered, and more private banks and foreign banks will be established in the future. Then, banks are no longer an impregnable wall, because the state is unable to cover the possible bankruptcy of so many banks. Do not encourage deposits, but should go to consumption. Whether it is domestic demand or the development of internal circular economy, people need to take out their money. Now the deposit insurance amount is only 500 thousand, so it is obvious. Deposits exceeding 500,000 are at your own risk!