Nhoroondo uye Nhoroondo ye Federal Federal Insights Insurance Corporation
Deposit Insurance
Paunoisa mari nebhangi, zvichida unofunga kuti mari yakachengeteka. Zvakaoma kuti mumwe munhu azviba, hazvizoparadzwi kana imba yako ichipisa, uye mabhanga ane zvigadziro zvekuchengetedza uye zvirongwa zvekuchengetedza izvo zvisingakwanisi kuti chero munhu upi zvake agadzire.
Zvisinei, mabhengi anowedzera mari yekubhadhara mari , iyo inotsanangura kuti bhadha yako inobhadhara chikwereti sei mune mari yekuchengetedza, zvigwaro zve deposit (CDs), nemimwe michina. Izvo zvikwereti zvinosanganisira zvikwereti kune vamwe vatengi uye zvimwe, zvakanyanya kuoma, zvikwereti.
Mabhangi anowanzoisa mari nekuchengetedza, asi upiwe hupi hupi hunogona kurasikirwa nemari. Kana mabhizimisi ekubhengi akarasikirwa zvakanyanya, sangano rinogona kusakwanisa kugutsa zvido zvevatengi vanoda kushandisa mari yavo yakaiswa mubhangi. Kana izvozvo zvichiitika, bhangi racho rinokundikana .
Iyo FDC inobatsira sei: FDIC inishuwarenzi inokubvumira kuwana mari yako mushure mekushaya kwebhangi. Kana bhizimisi rekuchengetedza rakakundikana kana risina mari, FDIC inopinda uye inobhadhara chero mari yaunofanirwa. Zvisinei, zvakakosha kuti uone kuti mari yako iri mubhadharo yehupfumi uye kuti mari yako iri pasi pemiganhu yeDICIC. IWDIC inowirirana kusvika ku $ 250,000 pamubhidha wekambani negaimari. Zvisinei, zvichienderana nekuti mabhengi ako akanyorwa sei, zvingave zvichikwanisika kuva ne $ 250,000 mune imwe sangano.
Kune dzimwe nhoroondo dzekubatana uye maakaresi ekurega basa anogona kukonzera kuwedzera kugoverwa.
Chinangwa che FDC inshuwarisi ndechekurudzira kuvimba mumabhengi. Apo mabhodhi ako akachengeterwa FDIC, hurumende yeUnited States inomira shure kwechipikirwa chokukuita iwe wakakwana.
Kuti uwane mamwe mashoko, ona How FDIC Insurance Works .
Zvinokosha kuti iwe unzwisise chii (uye hachisi) chakafukidzwa neDFIC inshuwarisi. Cherechedza kuti inshuwarisi yeDFIC inoshanda chete kumabhengi ebhengi, asi zvikwereti zvekwereti zvine maitiro akafanana nehurumende-anovimbiswa yekudzivirirwa: inshuwarisi yeNCUSIF .
FDIC yunishuwarenzi inodzivirira "kuisa zvigadzirwa" chete, kusanganisira:
- Kuongorora uye kuchengetedza mabhuku
- Nguva inotora, seCD
- Nhepfenyuro yepamutemo yakabudiswa nemabhengi akavharidzirwa (cashier's checks, mari yemitemo, somuenzaniso)
- Mari yekodha mari
FDIC inshuwarisi haifaniri kuvhara:
- Zvivimbiso zvakadai sematokisi uye zvisungo
- Mutengo wemari, kusanganisira mari yemari yemari pamwe chete
- Life inshuwarisi yemishonga, kusanganisira annuities
- Zviri mukati mekuchengeteka mabhokisi
Izvo zviri pamusoro apa hazvisi zvakakwana-tarisa ne FDIC kuti unzwisise chii (uye kwete) chakafukidzirwa.
Maitiro eDFIC Funds Deposit Insurance
Apo bhengi inokundikana uye FDIC inopa vateereri vekambani pabhangi iroro, mari inobva kupi?
I FDC inoshandisa mari yehushuwarisi, iyo inzvimbo huru yemari inogona kushandiswa kuvhara kurasikirwa kwebhangi. Zvose zvemari iyoyo inobva mabhengi einishuwarenzi uye mari iyo mari inoita. Mari yebhadharo haipindi muhomwe, kunyange zvazvo FDIC inogona kudzokera kumashure ekutsigira mutero kune chakaipa zvikuru.
Kupa mari, mabhizinesi e-FDIC anobhadhara "miriyamu" muhomwe.
Nebhazinha dzakawanda dzinobhadhara mari yepamwedzi, mari yebhadhaki inoparadzaniswa yakagoverwa uye yakapararira kwenguva. Iyo mamiriro ezvinhu anogona kuumba dambudziko retsika (kuedza mabhengi kuti aite ngozi, achiziva kuti mamwe mabhengi achachenesa marara), saka mabhengi anotongerwa anofanira kusangana nemamwe mitemo kuva FDIC-inshuwarheni.
Kunyange zvazvo mari yehushuwarenzi iine mari-inobhadhara mari, FDIC yunivhesiti inowanzoonekwa se "hurumende yakavimbiswa." Kufungidzira ndeyokuti mari yeUnited States inopinda mukana kana FDIC yunivhesiti yekushuwaridzana ichishandisa mari.
Zvimwe Mabasa
Kunze kwekusimudzira mabhizimisi emabhangi, FDIC inotarisira mabasa kune akawanda (asi kwete ose) mabhangi uye masangano makuru. Utariri ihwohwo hunofanirwa kukurudzira nzvimbo yakachengeteka yebhangi apo kukundikana kwebhangi hakusi nyore kuitika.
Kukundikana kweBhangi: Kana mabhenji achikundikana, FDC inobatanidzwa.
Sangano rinotungamirira kucheneswa nekuwana imwe bhengi kuti inotora chikwereti chakakundikana mari uye zvikwereti. Kune vatengi vakawanda, kukanganisa kwebhangi kunenge kusina kukwana-zvikuru nemhaka ye FDIC. Vatengi vanogona kuverenga mari yavo iripo, uye vanowanzoramba vachishandisa cheki imwechete uye makadhi okubhadhara.
Kudzivirira kwevatengi: I FDC inoshushikana nekuchengetedzwa kwevatengi, saka sangano rinotarisa mabhengi kuti rive nechokwadi chekutevera mitemo yakabatana nevatengi. Nenzira yakawanda, FDC inoda kuti vatengi vawedzere kugutsikana nezvebhengi. Kuita izvi, FDIC inopa dzidzo yevatengi, inopindura zvikwangwani, uye inoongorora mabhengi kuti ione kuti iri kutevera mitemo yehurumende.
Nhoroondo Pfupi yeDFIC
I FDC yakasikwa semigumisiro yezviuru zvekukundikana kwebhangi muma1920 ne1930s. Muchiitiko ichocho, vatengi vebhangi vakarasikirwa nemari yakawanda yemari. Kana iwe usina kuwana mari yako kunze kwekuti bhanji ripinde pasi, iwe wakanga usisina hanya. Nguva nenguva, munhu mumwechete akaedza kuvhara mari, asi hapana chimwe chezvirongwa izvozvo chakapona.
Pakati pemhirizhonga uye kutya nekuenderera mberi kwekuneta kwebhangi, Banking Act ye1933 yakagadzira FDIC sechiyero chenguva pfupi yekudzorera kurongeka. Mutemo wakapinda mutemo neMutungamiri Franklin D. Roosevelt. Bhizinesi rakakundikana uye bhangi rinomhanya nokukurumidza, zvichiratidza kuti FDIC inshuwarheni yakabatsira kusimbisa chivimbo mubhengi rebhangi. IWDIC yakambotengwa nemari yeUnited States yeAmerica ne $ 289 mamiriyoni, uye iyo mari yakabhadharwa kuHaimariyo muna 1948.
Bhuku reBhange ra1935 rakaita kuti FDIC isangano rekugara nekugadzirisa kuti sangano rinoshanda sei. Somuenzaniso, mari yeinishuwarenzi yakabva kumabhangi panzvimbo yeUnited States Treasury. Kubva panguva iyo, FDC inoti "hapana dhidziri akarasikirwa nemakore zana emari yekuchengetedzwa kwechibharo semusana wekukundikana."