Zvikamu, Nhengo, Migumisiro Pamari
I FDC yakasikwa ne1933 Glass-Steagall Act . Chinangwa chayo ndechekudzivirira kukanganisa kwebhangi panguva yekutambudzika kukuru . Mamwe mashomanana ekukundikana kwebhangi akanga aine chando muganhu webhengi.
Vashandi vakakumbira mari yavo zvakare. Kunyange mabhenji ane njere anongowanzochengetedza chegumi chezvipo zvavo pamaoko. Vanokweretesa vamwe vose pamubhadharo wekubatsira unobatsira. Iko inobvumira kuti vabhadhara chikwereti pane mari. Kazhinji nguva, mabhanki anongoda kuchengetedza 10 muzana pamaoko kuti vachengetedze 'depositors' vafare. Mumabhanki anomhanya, vanofanira kukurumidza kuwana mari. Pavakange vasingagoni, vakatadza.
Saka mabhengi akawanda akanga apfigirwa kuti Mutungamiri Roosevelt akazivisa holide yebhangi kuti amise kutya. Musi waMarch 6, mazuva matatu mushure mekutora hofisi, akavhara mabhanga ose eUnited States. Congress yakapfuura Glass-Steagall musi waMarch 9 kuzovandudza hutano mabhenji asati asunungurwa zvakare. Pakazosunungurwazve, vakangotipa masentimita gumi emadhora imwe neimwe. Mari yacho yakaenda kupi? Mabhengi akawanda akanga aisa mari mumusika wekutengesa, izvo zvakagumburwa muna 1929 . Apo depositors 'vakawana, vose vakamhanyira kumahombekombe avo kuti vabvise mari yavo.
Nhasi, hatifaniri kunetseka nezvebhangi rinomhanya nokuti FDIC inochengetedza mari yose. Sezvo vanhu vachiziva kuti vachadzorera mari yavo kumashure, kazhinji havatyi uye vanogadzira bhangi rinomhanya. Izvo zvakaitika apo Washington Mutual yakavharwa mugore ra2008. VaDosti vakagadzira bhangi rinotungamira nokuti vaifunga kuti vakachengetedzwa ne FDIC.
Bhuku reBhange ra1935 rakasarudza FDIC senhengo yehurumende yehurumende. Bhokisi revatungamiri vashanu rinotarisira FDC.
Zvakaita FDIC
I FDC inochengetedza kuchengetedza, kutarisa uye mamwe maakaiti ehomwe. Haiti kuchengetedza mabhizimisi, zvisungo, kana mutengo wemari. Pakaitika dambudziko rezvemari ra2008, FDC yakagadzirisa chikamu chepamusoro kusvika kumadhora mazana maviri nemakumi maviri ($ 500,000) pamubhadharo ($ 500,000 per account joint). Muna 2010, Dodd-Frank Wall Street Reform Act yakagadzirisa chikamu chitsva zvachose.
Iyo FDC inoongorora uye inotarisira mabhizimusi anenge 5 250, inopfuura hafu yehurumende yose. Kana bhangi ikakundikana, iyo FDIC inopinda mairi. Inowanzotengesera bhangi kune imwe uye inotumira vanoisa mari kubhengi rekutenga. Kazhinji yenguva, shanduko yacho haina kusimbiswa kubva pane zvinoonekwa nevatengi.
Nzira Yokuwana Nhengo dzeBhangi
I FDC inochengetedza mabheji anopfuura 6 300 (saSeptember 10, 2015). Aya mabhengi aiva ne $ 15,8 mabhiriyoni muzvinhu uye anenge madhora madhora gumi nemaviri emadhora. Kuti uwane mabhenji ejeri, pinda muguta rako nehurumende kana zip code, pawebsite ye FDIC BankFind. Mazhinji mabhandi makuru, akadai seBhange reAmerica, JPMorgan Chase, uye Wells Fargo, vane inshuwarheni. Unogonawo kuisa ruzivo rwebhangi rako kuti uone kana iri inshu.
The Federal Reserve Banking System inoda kuti mabhidhi ayo ose ave FDIC-inshuwarheni.
Iyo FDC inobata sei Economy
FDIC inshuwaridzi inodzivisa kupararira kwebhangi kwakapararira nekuchengetedza chivimbo mubhengi rebhangi.
Kuparara kwemusika wekutengeswa kwegore ra1929 kwakaunza mamwe mabhanga kunze kwebhizimisi. Vanodzivirira pamabhengi avo vakarasikirwa mari yavo yose. Depositors pane dzimwe mabhanhire akatya. Apo vakasiya mari yavo, mabhanga avo akabuda kunze kwebhizimisi. Vanhu vakaisa mari yavo pasi pematehwe avo. Izvo zvakatora mari yakawanda kunze kwekupararira uye kuwedzera kuwedzera kuora mwoyo.
I-FDIC inosimbisa depositors kuti havangarasikirwi nekuchengetedza upenyu hwavo kana bhanhire richikundikana. Nokudzivirira mabhizinesi emabanki, FDC inobatsira kudzivirira imwe Kukuru Kuwedzerwa.
Zvinoshamisa kuti FDC yveshuwarisi haina kumisa bhenji rinotungamirirwa kuWashington Mutual. Apo Lehman Brothers vakatsanangura kubhadhara muna September 2008.
VaMu vaityisa depositors vakabvisa $ 16.7 mabhiriyoni kubva kumabhuku avo mumazuva gumi chete. Icho chaiva chegumi chezana chemaMuMu. I-FDIC yakavhara bhangi ibhangi musi weChishanu chinotevera nekuti yakanga isina mari yakawanda yekuita bhizinesi zuva nezuva. JP Morgan Chase akatenga WaMu musi waSeptember 26, 2008, ye $ 1.9 mabhiriyoni. Nokuda kwezvimwe, onai Sei WaMU Went Bankrupt .
Iyo Inodzivirira Sei Kuponesa Kwako
I FDC inosimbisa Zvitatimiti zveDhipatimendi nemari yemari yemari inosvika ku $ 250,000 pamusana webhangi rimwe nerimwe. Kune dzimwe nhoroondo dzakabatana, FDIC inochengetedza $ 250,000 pamudzidzi. Inoshanda kune dzimwe maekisi ekurega basa, pamwe chete maakaunti ekuisa mari, uye trust accounts.
Kana iwe ukachengetedza zvinodarika $ 250,000, uzvichengetedze mune rimwe bhangi rakasiyana kuitira kuti rive inshuwarisi. Asi vanhu vakawanda vane zvakawanda zvakadaro mukuchengetedza vari kushandisa iyo yekurega basa. Kana zvakadaro, iwe unoda kuzviisa mumari ye riskier kupfuura CDs kuitira kuti vawane mukana wekudzokera. Kurega kuchengetedza mari kunoda kubuda kunze kwezvishoma. Nheyo dzakambove dziri nzira yakanakisisa yekuita izvozvo.
Iyo FDC haina kuvhara chekuchengetedza kana mari imwe chete kunyange iyo inopiwa nebhangi. Iyo hainawo kudzivirira kukosha kwehushandi hwehushandi hwehupenyu, annuities, kana hurumende zvisungo. Izvozvo zvinoreva kuti zvizhinji zvekubata mubhadharo rako rekurega mari hazviregi. Asi iyo inogadzirisa mari yemusika mabhuku uye maCD akachengetwa muIRAs yako.