Indlela i-FDIC Inkonzo Yomshuwalense kunye Nento Efihliweyo

Iyintoni inshuwalense ye-FDIC?

I-inshurensi ye-FDIC ikukhusela kwilahleko ukuba ibhanki yakho iya kwesisu (kuthatha imali yakho kwibhanki eqinisekisiwe ye-FDIC, kwaye ukugcinwa kwakho kungaphantsi kwemida emininzi).

Unokucinga ngebhanki njengendawo ekhuselekileyo yemali yakho - kwaye yinyaniso-kodwa ibhanki ibole imali yakho kwaye ityala imali ukuze ithole imali. Ukuba ezo zityalo-mali ziyancipha (okwakunobungozi obukhulu ngexesha leengxaki zemali ), kwenzekani kwimali yakho?

Ukuba i-akhawunti yakho iqinisekisiwe ngokupheleleyo, unesimo esihle esihle. I-FDIC izakuzalisa ngokufaka imali okanye ukuthumela imali kuwe. Nangona kunjalo, kukho imida kwi-FDIC yokunika inkxaso: iindidi ezithile ze-akhawunti aziqinisekisiwe, kwaye unokufihla u-$ 250,000 ngamnye kwi "deposit" kwibhanki. Ama-250,000 angaphezulu kwama-250,000 angaphezulu kunokwaneleyo kuninzi lwethu, kodwa unokufumana uncedo olongezelelweyo kwibhanki enye kuxhomekeke kwindlela i-akhawunti yakho ebizwa ngayo.

FDIC

I-FDIC imele i-Federal Deposit Insurance Corporation igosa likarhulumente elijongene nokukhusela ibhanki kunye nabathengi. Intshuwalense ye-FDIC ixhaswa lukholo olupheleleyo kunye nenkokhelo yoorhulumente wase-US (nangona kukho ingxoxo enokuthi lesi siqinisekiso esiqinisekileyo kuphela). Ngamanye amagama, iNondyebo yaseMelika inokusebenza njengemva emva kokuba i-FDIC ayikwazanga ukufaka imali yakho yesikhwama.

Ngethamsanqa, i-US Treasury ayizange ixhashe i-inshurensi ye-FDIC - iibhanki ngokwabo zizalisa imali ye-inshurensi ngokuhlawula iipriyamu kwingxowa-mali.

Kuze kube ngoku, akukho mntu ulahlekelwe nayiphi na imali ye-insured ye-FDIC kwi-bank failure.

Ukuba ibhanki yakho ihluleka, i-FDIC iya kubandakanyeka, ngokuqhelekileyo iququzelele ukuthathwa kwebhanki eneqinileyo. Kwiimeko ezininzi, ukungaphumeleli kwebhanki kukufutshane kwaye kungabonakali kwabathengi - ukuhlola kwakho akuyi kuhlawula, ungaya kwi-ATM kwaye usebenzise ikhadi lakho lokubambisa ngaphandle kokuphazanyiswa, kwaye iindleko zakho ziyaqhubeka zihlawulwa ngekhompyutha.

Unokuba ufanele ulinde iintsuku ezimbalwa (okanye iiveki) ukuhoxisa imali, kodwa akunqabile ukuba ulinde konke.

Ngenxa ye-inshuwalense ye-FDIC, akudingeki ukuba " uqhube kwibhankini " okanye uzame ukukrazula imali yakho yomshuwalense ngaphandle kokuba ibhanki ihambe phantsi. Nangona kunjalo, uya kufuna ukufumana iimali ezifumanekayo kwenye indawo ukuba ukuhlanjululwa kuthatha ngaphezu kweentsuku okanye ezimbini. Kwakhona, ukuba unayo imali engagqithwanga kwi-bhanki (kuba unamanani angaphezulu kweyona mali), uthatha ingozi.

Ukuze uqiniseke ukuba unxibekile, khangela ukuba ibhanki yakho i-insured i-FDIC (ininzi ikhona, kodwa ibalulekile ukujonga).

Imanyano yemboleko ayihlawulwanga yinshurensi ye-FDIC. Kunoko, bafumana ukhuselo oluxhaswa nguRhulumente oluphantsi kweNCUSIF . Funda kabanzi malunga nemibutho yabasebenzi bemboleko.

Yintoni efihliweyo (Into engafihliweyo)

I-inshurensi ye-FDIC isebenza ukufaka imali kwiibhanki ezibophekileyo , kuquka:

• Ukuhlola iakhawunti
• I-akhawunti yokugcina
• Iziqinisekiso zediphozithi (iiCD)
• Iimali zeemarike zemarike (kodwa ingekho imali yemarike yemali )

I-inshurensi ye-FDIC ayifuni:

• Okubhaliweyo kwebhokisi yepositi
• Utyalo-mali njengemali yokubambisana, iimpahla, iintambo kunye nabanye
• Imveliso ye-inshurensi equka (kodwa ingaphelelanga) kwiimali zonyaka

Izinto ezilapha ngasentla aziqwalaselwe njenge-deposits-nangona unokuba uthenge kumntu webhanki (okanye xa uhlala ebhankini).

I-inshurensi ye-FDIC ayigqubuthe ubusela, nokuba kungenxa yobuqhetseba kwi-akhawunti yakho, ukwebiwa kwe -zisi, okanye ukuphanga kwebhanki. Nangona kunjalo, ezininzi iibhanki ziqinisekisa ukuphanga (kwaye azilahleki kakhulu ). Umthetho wase-Federal ukhusela kukukhwabanisa kunye neephene kwiakhawunti zakho, kodwa kufuneka usebenze ngokukhawuleza ukufumana ukhuseleko olupheleleyo .

Umyinge weMida

I-inshurensi ye-FDIC ayinomkhawulo. Ukuba unemali eninzi ebhankini ungase uhambe ushicilelwe. Isiseko se-FDIC esilungileyo sinokufikelela kuma-250,000 kwi-deposititor nganye kwi-bhanki. Ukuba unako ngaphezu kwebhanki ehlulekile, i-FDIC inokukhetha ukuhlawula ilahleko zakho, kodwa akukho sithembiso sokwenza njalo.

Le mida iyahlula kwibhanki nganye enayo i-akhawunti. Ngamanye amagama, unako ukwandisa i-inshurensi ye-FDIC ekhoyo kuwe ngokusebenzisa amabhanki amaninzi (okanye ngokulungelelanisa iakhawunti yakho ngokufanelekileyo kwibhankini enye).

Ukufumana imali engaphezulu kwama-250,000 kwi-bhanki enye, usasaze imali phakathi kwabanikazi abahlukahlukeneyo okanye "ukubhaliswa." Ngokomzekelo, imali kwi-akhawunti yakho yerhafu ekhethiweyo iyahlukana nemali kwi-akhawunti yakho yomhlalaphantsi (IRA). Ukufumanisa ukuba iimpahla zakho zihamba kakuhle phantsi komda wokukhawulela, sebenzisa isisombululo se-Intanethi ye-Deposit Insurance (EDIE).

Ngokomzekelo, kuthekani ukuba unayo i-$ 250,000 kwi-akhawunti yakho kunye ne-$ 250,000 kwi-akhawunti yakho yomhlalaphantsi (IRA) kwibhanki elifanayo? Ngoxa kubonakala ngathi ungaphezu kwemali engama-250,000, uhlanganiswe ngokupheleleyo ngenxa yokuba iikopi zakho zibizwa njani (nangona uzixhasayo - ukuba ufumana iintlawulo zenzalo kula ma-akhawunti uya kuwela umda kwaye wakho inzala iya kuba yingozi). Iingxelo zeTrasti zinganokwandisa umda wakho wecala kwibhanki enye.

Ukuphakanyiswa koMgangatho

Ukwandisa i-coverage yakho, sebenzisa izicwangciso zokusasaza imali yakho phakathi kweebhanki ezahlukeneyo kunye nokubhaliswa okuhlukeneyo. Ukuba unemali eyaneleyo engozini, kufuneka uchithe ixesha lokuzikhusela okanye ukuba umntu enze oko.

Izicwangciso ezintathu zibandakanya:

1. I-CDARS yintanethi yeebhanki ekuvumela ukuba usasaze imali yakho . Uya kuvula i-akhawunti kunye nebhanki elinye (mhlawumbi ibhanki elifanayo sele ulisebenzisa), kwaye, ukuba ibhanki ithatha inxaxheba kwi-CDARS, imali yakho iya kwezinye iibhanki eziqinisekisiwe ze-FDIC. Uya kuhlala ngaphantsi kwemida yokufikelela kwibhanki nganye, kwaye uya kubona i-asethi yakho kwisitatimende esisodwa. Buza ibhanki yakho ukuba ii-CDARS zikhethi.
2. Ii-CD ezixubileyo zinikwa ngumxhasi wezemali (njengomcebisi wezemali). Ngokuthenga ii-CDs ezikhuselekileyo ze-CD ezivela kwiibhanki ezininzi kwi-akhawunti yakho yomrhweba, unokuhlala phantsi kweemida zokufikelela.
3. Iingxelo ze-Titling: ukuba uya kuhamba ngaphezu kwemida yokubhengezwa kuyo nayiphina ibhanki, cinga ngokutshintsha isihloko okanye ukubhaliswa kweakhawunti yakho. Oku kuthetha ukuguqulwa kobunikazi-enokuthi ibe nemiphumo ebalulekileyo yerhafu (kwaye ikubeka engozini yokulahlekelwa yimpahla yakho xa kukho into eyenzekayo okanye kunye nomnini-akhawunti enye) - ngoko uthetha kunye negqwetha, umgcini-mali, kunye nawaphi na amalungu entsapho achaphazelekayo phambi uqala ukwenza utshintsho.

Abahlanganisi kunye ne-FDIC Umyinge

Ukuqwalasela iindaba malunga neebhanki kunye nokuhlangulwa kweebhanki ezingaphumeleli. Kwenzeka ntoni ukuba ubambe iakhawunti kwiBhanki A kunye neBhanki B, kwaye iibhanki ezimbini zidibanisa? Ukuba kukho ukungaphumeleli kwebhanki okulawulwa yi-FDIC, uhlaselo lwe-inshorensi luyakuhlala luphatha iifomethi zakho ngokungathi zihlala kumaziko ahlukeneyo ngexesha elifutshane . Emva kwelo xesha, unokufuna ukuhambisa impahla kwiindawo ezithile ukuba uhlale phantsi kwemida yokufikelela.