Khetha kuphela abadayisi abafakwe ngolu khuselo olubalulekileyo
Ukuba kunye nalapho iqumrhu lokurhweba lihamba phantsi, lingakhuselekanga kwi-SIPC, abaxhasi baya kulahlekelwa yonke impahla yabo kwaye baxoshwe ngaphandle kwamashishini abawaphetheyo, iinkampani ezinjengeCoca-Cola okanye iBerkshire Hathaway, ngokugqibeleleyo.
Ngakolunye uhlangothi, isatifikethi sokugcina impahla, sinokulahleka ngaphezu kokuba yingozi yokubhalisa, kufakwa kwibhokisi ephosiweyo, ibuyele ekuthengisweni, kwaye ibhaliswe kwakhona kumnini omtsha. Ukwazi oku, urhulumente wenza i-Securities Investor Protection Corporation-i-SIPC ngokufutshane-ngo-1970 nge-Securities Investors Protection Act. Akulona inkonzo kaRhulumente waseburhulumenteni, kodwa kunokuba liziko lelungu apho ngalinye leziko lemali eliyingxenye yalo lihlawula kwinkqubo.
I-SIPC ayikhuselisi abatyalo-mali ngokuchasene nokulahleka kwabo kutyalo-mali. Konke okwenzayo kuthatha indawo ezininzi zotyalo-mali ezigcinwe kwiakhawunti yabo ukuba umthengisi okanye isikhungo sezemali sichithwa. Yiyo leyo. Ukuba unamalungu angama-500 kaGenerali uMbane ngaphambi kokutshatyalaliswa, yonke into oyifumanayo yi-500 izabelo zikaGenerali zombane kwi-akhawunti entsha ye-brokerage kwiziko ozikhethile emva kokuba u-bankruptcy uhlelwe ngabasebenzi be-SIPC.
Yinto elula. Okwangoku, i-GE ingasenyuka, ingase ibe phantsi, mhlawumbi ingahambi ndawo.
Indlela i-SIPC isebenza ngayo kwaye yiziphi iimali ezithintekayo
Kubalulekile ukuqonda oko i-SIPC engayifuni. Ngokutsho kwiwebhusayithi esemthethweni, "i-SIPC ayifuni abantu abathengisayo iimpahla ezingenanto kunye nezinye iziqinisekiso.
I-SIPC inceda abantu abanemali, izitokethi kunye nezinye izibambiso ezibiwe ngumthengisi okanye zibeka engozini xa i-brokerage ihluleka kwezinye izizathu, "Baqhubeka besithi:
- Xa i-SIPC ibandakanyeka. Xa iqumrhu le-brokerage lihluleka ukuhlawulwa kwabathengi bemali kunye namasheya angabikho kwiakhawunti yabathengi, i-SIPC icela inkundla yenkundla ukuba iqeshe itrasti ukuba ikhuphe iqumrhu kwaye ikhusele abathengi bayo. Ngenkcitho encinci yenkampani ye-brokerage, i-SIPC isebenza ngokuthe ngqo kubathengi.
- Abatyalomali abanelungelo lokufumana uncedo lwe-SIPC. I-SIPC inceda abathengi abaninzi beefemu zokuthengisa ezingaphumelekanga xa i-asethi ilahlekile kwiakhawunti yabathengi. (Uluhlu lwabatyalomali abangavumelekanga lunokufumaneka kumbuzo wesine kwicandelo elilandelayo le ncwadana).
- Utyalo-mali lukhuselwe yi-SIPC. Imali kunye namasheya - njengempahla yesibhanki kunye neebhonkco - ezigcinwe ngumthengi kwiinkampani zemali ezixakekileyo zemali zikhuselwe yi-SIPC. Phakathi kotyalo-mali olungenakufanelekela ukukhuselwa kwe-SIPC yintengiso yezivumelwano zexesha elizayo kunye neengxowa-mali, kunye neenkontileka zotyalo-mali (njengobambiswano obambalwa) ezingabhaliswanga kunye neKhomishini ye-Securities and Exchange Exchange phantsi kwe-Securities Act ka-1933.
- Imigaqo ye-SIPC uncedo. Abathengi bequmrhu le-brokerage elingehluleki libuyisele zonke iziqinisekiso (ezifana nezitokhwe kunye neebhonksi) ezibhalisiweyo kwigama labo okanye zisesibhalweni sokubhaliswa. Emva kwalolu nyathelo lokuqala, i-asethi yamafa asele asele ahlula ngokuhlukileyo ngemali eyabelwe ngokulinganayo nobukhulu bamabango. Ukuba iimali ezaneleyo azifumaneki kwiakhawunti yabathengi beenkampani ukuzalisa amabango ngaphakathi kwalo mda, ukugcinwa kweemali ze-SIPC zisetyenziselwa ukuncedisa ukusabalalisa, ukuya kutsho kwe-$ 500,000 kumthengi ngamnye, kubandakanywa ubuninzi beedola ezili-100,000 kwiimali zemali. Imali eyongezelelweyo ingafumaneka ukuze inelise intsalela yamabango amakhasimende emva kokuba iindleko zokucima i-firmware zithathwa ingqalelo.
- Ingxelo ithathelwa njani umsebenzi. Ngenkampani ehlulekayo yokurhweba eneenkcukacha ezichanekileyo, i-trustee enqunywe yinkundla kunye ne-SIPC inokulungiselela ukuba ezinye okanye zonke iakhawunti zamakhasimende zidluliselwe kwelinye iqumrhu le-brokerage. Abaxhasi abathunyelwa kwiakhawunti baziswa ngokukhawuleza kwaye banokukhetha ukuhlala kwenkampani entsha okanye baqhubele kwenye i-brokerage yokukhetha kwabo.
- Ziziphi iibango ezixabisekileyo. Ngokuqhelekileyo, xa i-SIPC ibuza inkundla ukuba ifake i-firmer nkampani yokuxhatshazwa ngokukhatywayo, ixabiso leemali zeakhawunti yabathengi ibalwa ngokuthi "usuku lokufakela." Naphi na kunokwenzeka, iifowuni zangempela kunye nezinye iziqinisekiso ezithengwa ngumthengi zibuyiselwe kuye naye. Ukufezekisa oku, i-SIPC yokugcina imali iya kusetyenziswa, ukuba kuyimfuneko, ukuthenga izitokethi zokutshintsha (ezifana nezitoko) kwimarike evulekileyo. Kusoloko kunokwenzeka ukuba utshintsho lweemarike okanye ukukhwabanisa kwenkampani ehlulekayo yokurhweba (okanye kwenye indawo) iya kubangela ukuba i-securities ebuyisiwe ilahlekelwe yinto ethile-okanye nayo yonke ixabiso layo. Kwezinye iimeko, i-securities inokunyuka ngexabiso.
Kuya kuthatha ixesha elide ukufumana i-Investment Back Back ukuba i-SIPC inokunyathela kwaye ixazulule uMthengisi weBhanki?
I-SIPC iyaqhubeka ithi, "Abaninzi abathengi banokulindela ukufumana ipropati yabo kwinyanga enye ukuya kwethathu. Xa iirekhodi zenkampani yomrhwebi zichanekile, ukuhanjiswa kweemali ezithile kunye nemali kubathengi bangaqala emva nje kokuba umphathiswa athathe ibango eligqityiweyo iifom ezivela kubathengi, okanye nangaphambili xa i-trustee idlulisela i-akhawunti yomthengi kwenye i-broker-dealer. iqinile okanye iinqununu zalo zibandakanyeke ekukhohliseni. "