2026 Deposit Insurance Security Inquiry and Scoring
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100
Funding Security Score
Core points of the deposit insurance system
Deposit insurance is a compulsory insurance system established by the state to protect the interests of depositors:
- 01
500k limit: Limit repayment: If the total principal and interest of all deposits of the same depositor in the same bank is less than 500,000 yuan, it shall be repaid in full by the deposit insurance fund.
- 02
Full coverage: Full coverage: Deposit insurance covers all commercial banks established in China, rural cooperative banks, rural credit cooperatives, etc.
Expert Advice (Strategy)
Decentralized advice: For households with assets of more than 500,000, it is recommended to adopt the strategy of "three banks" or "five banks" to ensure that each fund is fully protected.
💡 Core: Split large principal across multiple banks, and keep principal+interest per bank below 500k.