Chega sarudza vatengesi vanofukidzirwa nekudzivirira uku kunokosha
Kana uye kana bhizimisi rekwereti richikanganiswa, risina kudzivirirwa kubva kuSIPC, vatengi vaizorasikirwa nhumbi dzavo dzose uye vachiparadzwa pasinei nemabhizimisi avakabata, makambani akadai seCoca-Cola kana Berkshire Hathaway, ari kunyatsonaka.
Zvigwaro zvepanyama, kune rumwe rutivi, zvinogona kurasikirwa kunze kwekutsvaga kubhadhara, kuiswa munzvimbo yakachengeteka yebhokisi, kudzokera kumashure, uye kunyoresa zvakare kumudzidzi mutsva. Kuziva izvi, hurumende yakasimbisa Securities Investor Protection Corporation - iyo SIPC kwenguva pfupi - muna 1970 kuburikidza neChishanu yeVafambisi Vekuchengetedzwa Kwemutemo. Haisi hurumende yeHurumende yehurumende, asi pane imwe nhengo yebazi iyo imwe neimwe yemasangano emari ayo ari chikamu chayo inopa muhurongwa.
I-SIPC haidziviriri vatyairi vekurasikirwa kubva pamari yavo. Zvose zvinodaro zvinotsiva zvakawanda zvezvikwereti zvakachengetwa mubhuku ravo kana mutengesi wavo kana sangano rezvemari rinoparara. Ndizvo. Kana iwe uine zvikamu mazana mashanu zveGener Electric isati yasvika, iwe wose waunowana ndeye mazana mashanu eGener Electric mune imwe nhoroondo yekwereti yekwereti pane imwe nzvimbo yekusarudza kwako mushure mokunge kubhadhara kuri kusarudzwa nevashandi veSIPC.
Ndizvo zviri nyore. Munguva iyi, GE ingave yakasimuka, inogona kunge iri pasi, kana kuti ingave isina kuenda chero.
Nzira iyo SIPC Inoshanda Nedzipi Inotengeswa Inoshandiswa
Zvakakosha kunzwisisa izvo SIPC haina kuvhara. Maererano newebhu webhutori, "SIPC haifaniri kuvhara vanhu vanotengesa zvigadzirwa zvisina maturo uye zvimwe zvivimbiso.
SIPC inobatsira vanhu vane mari, zvigadzirwa nezvimwe zvivako zvakabiwa nevatengi kana kuisa pangozi apo kubhadharwa kwekwereti kunokundikana kune zvimwe zvikonzero, "Vanoenderera mberi vachiti:
- Apo SIPC inobatanidzwa. Apo bhizinesi rezvekwereti rinokundikana kubhadhara vatengi mari uye kuchengetedzwa kusina kukwana kubva kumabhuku evanhu, SIPC kazhinji inokumbira dare rehurumende kuti rigadze mutasitiri kuti adzore zvakasimba uye kudzivirira vatengi varo. Nekusimba kwekambani kwekambani kudarika, SIPC dzimwe nguva inoshanda zvakananga nevatengi.
- Vashandi vanogona kubhadhara SIPC rubatsiro. SIPC inobatsira vakawanda vatengi vekambani dzakakundikana dzekutengeserana kana zvinhu zvisipo kubva kumakadhi evanhu. (Nhamba yevatengesi vasina kukodzera inogona kuwanika mumubvunzo wechina mune chikamu chinotevera chebhurocha rino).
- Investments yakachengetedzwa neSIPC. Iko mari uye chekuchengetedza - zvakadai sematokisi uye zvisungo - zvakachengetedzwa nemutengi mune imwe mari yekutengesa mari inoshungurudza inodzivirirwa neSIPC. Pakati pezvikwereti zvisingabvumirwi kuchengetedzwa kweSIPC mune zvekugadziriswa kwekambani mikontiro uye mari, uyewo magwaro ekutsinhanisa (kufanana kushamwaridzana) asingabhadharwi neUnited States Securities and Exchange Commission pasi peChishanu cheChishanu.
- Mitemo yeSIPC inobatsira. Vatengi vekambani yakakundikana yekutengeserana vanobhadhara zvese zvakachengetedzwa (zvakadai sematokisi uye zvisungo) izvo zvatove zvakanyoreswa muzita ravo kana zviri mukugadziriswa. Mushure mekunge danho rekutanga, iyo yakasara yakasara yevashandi inobva yagoverwa pachikwata chekuda nekubhadhara mari pamwe chete maererano nehukuru hwezvakataurwa. Kana mari yakakwana isingawanikwi mumakambani emakambani ekugadzirisa zvikwereti mukati memiganhu iyi, kuchengetedza mari yeSIPC inoshandiswa kuwedzera kugovera, kusvikira pakadarika madhora 500 000 pamutengi, kusanganisira mari yakawanda ye $ 100,000 pamitemo yemari. Mari yekuwedzera inogona kuwanika kugutsa zvasara zvevatapi vezvikwereti mushure mekudhura kwekugadzirisa firiji yekwereti kunotorwa.
- Nhoroondo iyo inoshandiswa inoshandiswa sei. Mune chikwereti chakakundikana chekwereti nekodhi rakarurama, mutongi wedare rakagadzwa uye SIPC inogona kuronga kuva nevamwe kana vatengi vese vanoendeswa kune imwe shandi yemari. Vateresi vane nhoroondo dzinoshandiswa vanoziviswa nokukurumidza vozova nechisarudzo chekugara pane imwe shambani kana kutsvaga kune imwe kweretheni yekusarudza kwavo.
- Zvinonzi zvakakosha sei. Kazhinji, apo SIPC inokumbira dare kuti iise dambudziko rekutengeserana kwekutengeserana mukudzikinura, mari yakakosha yekambani yekambani inotaridzwa se "zuva rekutumira." Pose pazvinogoneka, mabhodhi chaiwo nezvimwe zvivimbiso zvinowanikwa nevatengi zvinodzorerwa kwaari kana iye. Kuti zviite izvi, SIPC yekuchengetedza mari ichashandiswa, kana zvichidikanwa, kutenga zvigadziriswa zvekutsvaga (zvakadai sematokisi) mumusika. Zvinogara zvichigoneka kuti misika inoshanduka kana hutsotsi pamakambani akakundikana kubhadharwa (kana kune imwe nzvimbo) ichaita kuti zvivimbiso zvakadzoka zvarasikirwa nevamwe-kana kunyange zvose-zvekukosha kwavo. Mune dzimwe nguva, zvivimbiso zvingangodaro zvakawedzerwa.
Inguva Yakatora Ipi Kuti Uwane Mari Yako Kudzokera Kana SIPC Inofanirwa Kupindira uye Kugadzirisa Broker Bankruptcy?
SIPC inoenderera mberi ichiti, "Vatengi vakawanda vanogona kutarisira kugamuchira pfuma yavo mumwedzi mumwe chete kusvika kutatu.Zvino zvinyorwa zvekambani yekutengeserana zvakarurama, kupa zvikwereti uye mari kune vatengi vanogona kutanga nguva pfupi mushure mekunge agamuchira zvigadziriswa mafomu kubva kune vatengi, kana kunyange kare kare kana muteresi aigona kutumira maakaunti evanhasi kune mumwe mutengesi-mutengesi.Kuderera kwemwedzi inoverengeka kunowanzoitika apo zvakakundikana zvinyorwa zvekambani dzekwereti hazvina kukwana.Iyewo haisi zvisiri nyore kuti kunonoka kuitwe apo zvinotambudza brokerage zvakasimba kana vatungamiriri varo vaibatanidzwa mukubiridzira. "