Only 39% of Americans now express confidence in the stability of the U.S. banking industry, with just six percent (6%) Very Confident, according to a new Rasmussen Reports national telephone survey.

This marks a 29-point drop from last July and a 25-point fall-off from September.

Most Americans—57%--lack confidence in the banking system, including 12% who are not at all confident.

Fifty percent (50%) of investors now have confidence in the banking system, compared to 29% of non-investors. The numbers for both groups represent a sizable drop from earlier surveys.

But Americans are much more confident about their own money in the bank. Fifty-eight percent (58%) are not worried that their money will be lost due to a bank failure, with 18% not worried at all.

Thirty-nine percent (39%) do worry that their funds will be lost, including 12% who are Very Worried. These numbers have changed very little since September.

Seventy-one percent (71%) of investors are not worried about their money, a confidence shared by only 45% of non-investors. Lower income Americans are much more worried about their money than those who earn more.

In September, 64% of Americans were at least somewhat confident in the banking industry, with 14% Very Confident. Only 31% were not confident, with four percent (4%) not at all confident.

Two months earlier, 68% were confident – 18% Very Confident – in the banking industry, and 28% were not confident, with six percent (6%) not at all confident.

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The Obama Administration has proposed a second bailout plan with up to $2.5 trillion in support for the troubled banking industry, but most Americans oppose giving bankers any additional government money or any guarantees backed by the government.

Seventy-five percent (75%) also are against a government takeover of the nation’s banks, even though the bailout plans give the government unprecedented involvement in the private sector.

After setting an all-time low on both Wednesday and Thursday, the Rasmussen Consumer Index showed consumer confidence regaining a point on Friday.

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