Kwenzeka ntoni xa ibhanki iphela?
Into ephambili yokwazi ukusilela kwebhanki kukuba imali yakho ikhuselekile. Ukuba imali yakho i-FDIC inesiqinisekiso, mhlawumbi akudingeki ukwesaba.
Yintoni ebangela ukungaphumeleli kwebhanki?
Amabhanki angena phantsi xa bengasakwazi ukuhlangabezana neembopheleleko zabo.
Ibhanki ingahle ilahlekelwe kakhulu kwimali-mali, okanye ibhanki ingenakho ukubonelela ngemali xa abafakeli beefowuni beyifuna (jonga ngezantsi).
Ekugqibeleni ukuhluleka kwenzeka ngenxa yokuba iibhanki azigcini nje ukugcina imali yakho kwimpahla. Xa uhamba kwaye ubeka imali (okanye ufake imali ngekhompyutha), ibhanki iyatshala imali. Indlela elula yokutyalo-mali yenza imali mboleko kwabanye abathengi bebhanki ukuze bakwazi ukufumana inzala - kwaye bakhokhe umdla kwiifom zifake.
Amabhanki abuye atyale kwiindlela ezininzi ezinzima. Ukuba ibhanki ithatha ilahleko ezinkulu kuyo nayiphi na enye indawo, ingozi ibonakala.
Kwenzeka ntoni ekwehlukeni kwebhanki?
Uninzi lweebhanki zase-US ziqinisekisiwe nge-FDIC. Ukuba awuyibhanki kwiziko le-insured ye- FDIC , uthatha umngcipheko omkhulu.
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Xa ezi bhanki zingaphumeleli, i-FDIC ithatha. Basenokungathengisa ibhanki kwelinye (bomelele) ibhanki, okanye bangasebenzisa ibhanki ixesha elithile njengebhanki ephathekayo.
I-FDIC iqinisekisa ukuba idiphozithi ifike kuma-250,000, ngoko ukugcina ngaphezu kwelo nawaphi na ibhanki ingafaka imali yakho engozini. Nangona kunjalo, kunokwenzeka ukuba ube ne-250,000 e-bhankini engaphezulu kwee-insured ukuba umntu okanye abantu abaninzi banomdla kwimali. Umzekelo, iakhawunti yomhlala-phantsi kunye neakhawunti zamalungu entsapho ahlukeneyo anokunyusa ukhuseleko lwakho.
Thatha ixesha lokuqonda imida ye-FDIC ukuba unama-2500,000 ebhankini.
Amava oMthengi
Kubathengi abaninzi, ukuhluleka kwebhanki akusiyo isiganeko. Abathengi bayaqhubeka nokusebenzisa iitshekhi, amakhadi okukhawuleza , kunye nemiyalelo yokudluliselwa kwikhompyutha abayisebenzisileyo phambi kokungaphumeleli kwebhanki. Ngexesha elithile, abathengi banokugqibela bathathe amasheke amatsha kunye namakhadi.
Amaxesha
I-FDIC ayishicileli ixesha elithile lokuxazulula ukungaphumeleli kwebhanki. Bayaqaphela ukuba ngokwembali baye benza imali ekhoyo kwimihla yokushishina. Bazama ukuvala ibhanki phantsi ngoLwesihlanu baze babuyele "kwishishini njengesiqhelo" ngoMsombuluko kusasa. Nangona kunjalo, iimeko ezinokungaphumeleli kwebhanki okanye kunye neakhawunti zakho zinganciphisa inkqubo.
Ukhetho lokuqala lwe-FDIC ukwenza i-bhanki entsha kwimisebenzi engenamthungo de i-akhawunti yakho ithengiswe kwenye ibhanki. Kwezinye iimeko, olu khetho alufumanekanga kwaye banokukhangela isheke kwiifasithi zakho eziqinisekisiwe.
Ibhanki isebenza kwaye iBhanki iyaphumeleli
Emva kokusweleka kwebhanki kumenyezelwe, akukho sikhokelo sokwenza i-bhanki ukuba i-asethi yakho iyagcinwa. Ukuba i-FDIC isele ithathele, imali yakho ayisayi kubanjelwa ibhanki ebuthakathaka neyiyo. Ukuba ufuna ukufumana imali yakho kwaye usebenzise ibhanki eyahlukileyo , unokubhala isheke okanye uthumele imali yakho kwi- bhanki entsha .
Ukuba i-FDIC ayifumananga ibhanki elandelwayo, awuyi kuba nokufikelela kwimali yakho kwaye uza kufuneka ulinde isheke kwi-FDIC. Kwimeko apho, akukho nto ongayenza emva kokungaphumeleli kwebhanki kumenyezelwa ukuba kuthintele kangakanani imali - ukuba kukho na - uya kulahla.
Iimali ezixhaswayo
Ukuba unayo i-deposited deposits kwiziko le-insured ye-FDIC, unokuba neengxaki. I-FDIC ibonisa iifomiti eziqinisekisiwe ngokukhawuleza emva kokusilela kwebhanki. Iipasiti ezingaqinisekisiwe zingenakufumaneka iminyaka. I-FDIC kufuneka ithengise isiko kunye ne-asethi yayo kwaye yabone ukuba imali (ukuba ikhona) ishiyelwe ukusabalalisa kubathengi.
Utshabalalise amabhanki
Ngamanye amaxesha amasebe asebhanki ayabhujiswa ngenxa yentlekele yendalo okanye ugqirha. Ukutshatyalaliswa ngokwenyama kuyahluke kwi-bank failure. Kwakhona, ukuba ama-akhawunti akho aqinisekisiwe ukuba umcimbi unokwenzeka nje ukuphazamiseka - kungekhona into eyakubhubhisa ngokupheleleyo.
Ukuphepha Ukungaphumeleli kweBhanki
Kunzima ukwazi ukuba yeyiphi iibhanki eza kuphumelela. I-FDIC ayimemezeli ukuthunyelwa kwebhanki ngaphambi kwexesha. Iyona ndlela efanelekileyo yokuthatha isenzo kukuba uqinisekise ukuba uyayigcina imida ye-FDIC kwaye ungathathi nayiphi na ingozi.
Ezinye iinkonzo zebhanki zingakunceda ukuba ugweme ukungaphumeleli kwebhanki. Ezi nkonzo zijongene namandla ebhanki, imodeli yezoshishino kunye nokuchasene nemingcipheko eyahlukahlukeneyo. Nangona kunjalo, ezinye iintsilelo zebhanki ziphuma ngaphandle kwaye azikwazi ukuxelwa kwangaphandle.