I think it is unlikely that Liaoyang Rural Commercial Bank will go bankrupt. Because banks can't go bankrupt just because they go bankrupt. Bankruptcy is not that easy. And if you go bankrupt, you can pay as long as your deposit does not exceed 500 thousand.

Liaoyang Rural Commercial Bank Co., Ltd. was incorporated in Liaoyang Administration for Industry and Commerce on June 8, 20 16. The legal representative is Tang Yongli, and its business scope includes absorbing public deposits; Issue short-,medium-and long-term loans; Handle domestic settlement, etc.

If your bank is bankrupt and you are still worried, you can choose the following two deposit methods:

① Only deposit in large state-owned commercial banks.

In the development history of China's banking industry, there have also been cases of bank failures, which is also the reason why many depositors will be worried. However, it is only a small local bank, and the security of large state-owned banks is still very high.

At present, the large state-owned commercial banks in China, mainly the establishment of diplomatic relations between workers and peasants and postal services, are all central enterprises, especially the establishment of diplomatic relations between workers and peasants, which can be described as the four kings of banking in China. The types of enterprises are all central enterprises, and their assets swept the top four in the 20 18 World Bank ranking, among which ICBC has the strongest assets and ranks first, and the big brother is still the big brother after all.

In February this year 1 1, the Postal Savings Bureau was listed as a large state-owned commercial bank by CBRC, which established diplomatic relations with workers and peasants and belonged to China Post Group, while China Post Group was a wholly state-owned enterprise with a strong background. Bank of Communications is one of the oldest banks in China and the first national state-owned joint-stock commercial bank in China, with equally strong assets.

The corporate background and assets of the above six banks are stronger than those of other banks, and their security is self-evident. In particular, the establishment of diplomatic relations between China, agriculture and industry can be said to be China's facade in the world, and it is impossible for the state to let them go bankrupt. Therefore, it is undoubtedly the safest to deposit money in these banks. Of course, the large joint-stock commercial banks of other banks are also highly secure, but these six large state-owned commercial banks can make you feel more at ease.

Don't put all your savings in the same bank.

Although the security of large state-owned commercial banks is very high, the annual interest rate of their time deposits is lower than that of some local commercial banks. For example, the annual interest rate of time deposits of rural commercial banks everywhere is much higher than that of large state-owned commercial banks. If you have more than 500,000 deposits, you want high returns, and you want to keep your funds safe, you can spread your deposits in different banks.

As we all know, according to the Deposit Insurance Regulations, if a bank goes bankrupt, depositors can get compensation of up to 500,000 yuan from the insurance company insured by the bank, and more than 500,000 yuan will be compensated by the funds after the bank goes bankrupt and liquidates. In other words, if the depositor's deposit is less than 500,000, no matter which bank he deposits in, after the bank goes bankrupt, the depositor's deposit will be guaranteed.

As for the part with more than 500,000 deposits, although the assets after bank liquidation will be used to compensate, many people will worry that the assets after bank bankruptcy will not be able to repay the part with more than 500,000 deposits. Therefore, if the personal deposit exceeds 500,000, depositors who are worried about it and want to get high interest rates can separate their deposits in different banks and ensure that the deposit in each bank does not exceed 500,000, so that even if the bank goes bankrupt, all funds can be guaranteed.

conclusion

In today's banking industry, the relevant laws, regulations and supervision are very strict. If there is a problem in any bank, the supervision department of the bank will be aware of it and take corresponding measures to ensure the safety of depositors' deposits and reduce the impact on society. So now the risk of bank failure is quite low. If you are still worried, you can try the above methods to make a deposit.