Another 12 banks will disappear. What about the depositor's deposit? Is the fund guaranteed?

The banking industry is rooted in Hongmiao and is the most trusted financial institution of the people. When people have money, they like to deposit it in the bank. After all, it is safe and reliable. But recently it was reported that 12 banks were going to disappear. What happened? It is estimated that some depositors will inevitably worry, what about deposits? Will the money in these banks disappear?

According to the official news of the central bank, Liaoning 12 small banks will be merged and upgraded to form a new large bank, namely a provincial bank. So why do you want to do this? In fact, the reason is very simple. Simple understanding is like combining many threads in life and twisting them into a rope. This will be more solid, and will also safeguard the interests of depositors and stabilize the financial market order. All banks are operated under the supervision of the relevant national regulatory agencies, and they are not growing wildly, so no matter which one they are, they must abide by the rules.

On the surface, this merger seems that these 12 banks have disappeared. In fact, they are not, but merged for better development and service to society. What will happen to depositors' deposits? Actually, don't worry about this. In this case, all previous businesses, including deposits, wealth management products and loans, will be taken over by newly established banks and remain unchanged. There is no need to worry about this. Just like the closed contractor bank, CCB also took over, and the original depositors' business remained unchanged.

However, there will definitely be some changes in the new business. There must be some problems before merger and reorganization, such as scale of operation and vicious competition among banks. The operating level of banks is different, and the reputation of customers is also different. Some banks are operating normally, but some banks may face problems such as poor management. Therefore, some adjustments must be made in operation and management, which will lead to the interest rate of new deposit business and previous deposit business.