如果某一家银行倒闭了,那么在该银行的存款会得到赔偿。根据相关规定,同一个人在这家银行,如果存款在50万以下,那么全额赔偿;超过50万部分,在银行所有资产清算之后,按照比例予以赔付。

If a bank fails, its deposits will be compensated. According to the relevant regulations, the same person in this bank, if the deposit is less than 500,000, then the full compensation; more than 500,000 parts, after the bank all assets liquidation, according to the proportion of compensation.

而在该银行购买的保险与理财产品,不在在这个范围之内。因为理财产品与保险,银行只是作为一个购买通道,方便投资者购买。但资金实际上,是流入到保险公司与理财项目持有人。银行倒闭与保险公司、理财项目发行人之间,没有关系。

The bank's purchases of insurance and wealth-management products are not covered. Because of wealth management products and insurance, the bank only serves as a purchase channel to facilitate investors to buy. But the money is actually flowing into insurers and financial project holders. Bank failure and insurance companies, financial project issuers, there is no relationship.

当然,如果是理财项目出问题了,或者是保险公司出问题了,那么投资者损失也是具体的,与银行无关,银行不负责赔偿。

Of course, if it is a financial project problems, or insurance companies have problems, then the loss of investors is also specific, not related to the bank, the bank is not responsible for compensation.

在目前来说,风险更大的是理财项目,保险,以及存款相对比较安全。在国内来说,银行存款应该是最安全的一个投资项目,不过收益就不值一哂。

For now, more risky are financial programs, insurance, and relatively safe deposits. At home, bank deposits are supposed to be the safest investment, but earnings aren't worth it.


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