美国同志存款与投资保护须知：  FDIC & SIPC

FDIC       Insured or Not Insured?

http://www.fdic.gov/consumers/consumer/information/fdiciorn.html

A Guide to What Is and Is Not Protected by FDIC Insurance
So - you feel your cash is safe and protected when you walk through the door of the bank or saving association, much safer than when you kept it under your mattress. And you should. BUT, are your funds all covered by FDIC insurance just because you walked into a secure-looking building with iron bars and guards? Not necessarily - it depends on which of the bank's products you decide to use and whether the bank is FDIC insured.

What Is Insured?
You are probably familiar with the traditional types of bank accounts - checking, savings, trust, certificates of deposit (CDs), and IRA retirement accounts - that are insured by the FDIC. Banks also may offer what is called a money market deposit account, which earns interest at a rate set by the bank and usually limits the customer to a certain number of transactions within a stated time period. All of these types of accounts generally are insured by the FDIC up to the legal limit of $100,000 and sometimes even more for special kinds of accounts or ownership categories. For more information on deposit insurance see FDIC brochure "Your Insured Deposits."

What Is Not Insured?
Increasingly, institutions are also offering consumers a broad array of investment products that are not deposits, such as mutual funds, annuities, life insurance policies, stocks and bonds. Unlike the traditional checking or savings account, however, these non-deposit investment products are not insured by the FDIC.


Mutual Funds
Investors sometimes favor mutual funds over other investments, perhaps because they hold promise of a higher rate of return than say, CDs. And with a mutual fund, such as a stock fund, your risk - the risk of a company going bankrupt, resulting in the loss of investors' funds - is more spread out because you own a piece of a lot of companies instead of a portion of a single enterprise. A mutual fund manager may invest the fund's money in either a variety of industries or several companies in the same industry.

Or your funds may be invested in a money market mutual fund, which may invest in short-term CDs or securities such as Treasury bills and government or corporate bonds. Do not confuse a money market mutual fund with an FDIC-insured money market deposit account (described earlier), which earns interest in an amount determined by, and paid by, the financial institution where your funds are deposited.

You can - and should - obtain definitive information about any mutual fund before investing in it by reading a prospectus, which is available at the bank or brokerage where you plan to do business. The key point to remember when you contemplate purchasing mutual funds, stocks, bonds or other investment products, whether at a bank or elsewhere, is: Funds so invested are NOT deposits, and therefore are NOT insured by the FDIC - or any other agency of the federal government.

Securities you own, including mutual funds, that are held for your account by a broker, or a bank's brokerage subsidiary are not insured against loss in value. The value of your investments can go up or down depending on the demand for them in the market. The Securities Investors Protection Corporation (SIPC), a non government entity, replaces missing stocks and other securities in customer accounts held by its members up to $500,000, including up to $100,000 in cash, if a member brokerage or bank brokerage subsidiary fails. For more information contact:

Securities Investor Protection Corporation
805 15th Street, NW Room 800
Washington, DC 20005-2215
              202-371-8300      
www.SIPC.org

Treasury Securities
Treasury securities include Treasury bills (T-bills), notes and bonds. T-bills are commonly purchased through a financial institution.

Customers who purchase T-bills at banks that later fail become concerned because they think their actual Treasury securities were kept at the failed bank. In fact, in most cases banks purchase T-bills via book entry, meaning that there is an accounting entry maintained electronically on the records of the Treasury Department; no engraved certificates are issued. Treasury securities belong to the customer; the bank is merely acting as custodian.

Customers who hold Treasury securities purchased through a bank that later fails can request a document from the acquiring bank (or from the FDIC if there is no acquirer) showing proof of ownership and redeem the security at the nearest Federal Reserve Bank. Or, customers can wait for the security to reach its maturity date and receive a check from the acquiring institution, which may automatically become the new custodian of the failed bank's T-bill customer list (or from the FDIC acting as receiver for the failed bank when there is no acquirer).

Even though Treasury securities are not covered by federal deposit insurance, payments of interest and principal (including redemption proceeds) on those securities that are deposited to an investor's deposit account at an insured depository institution ARE covered by FDIC insurance up to the $100,000 limit. And even though there is no federal insurance on Treasury securities, they are backed by the full faith and credit of the United States Government - the strongest guarantee you can get.

Safe Deposit Boxes
The contents of a safe deposit box are not insured by the FDIC. (Make sure you read the contract you signed with the bank when you rented the safe deposit box in the event that some type of insurance is provided; some banks may make a very limited payment if the box or contents are damaged or destroyed, depending on the circumstances.) If you are concerned about the safety, or replacement, of items you have put in a safe deposit box, you may wish to consider purchasing fire and theft insurance. Separate insurance for these perils may be available; consult your insurance agent. Usually such insurance is part of a homeowner's or tenant's insurance policy for a residence and its contents. Again, consult your insurance agent for more information.

In the event of a bank failure, in most cases an acquiring institution would take over the failed bank's offices, including locations with safe deposit boxes. If no acquirer can be found the FDIC would send boxholders instructions for removing the contents of their boxes.

Robberies and Other Thefts
Stolen funds may be covered by what's called a banker's blanket bond, which is a multi-purpose insurance policy a bank purchases to protect itself from fire, flood, earthquake, robbery, defalcation, embezzlement and other causes of disappearing funds. In any event, an occurrence such as a fire or bank robbery may result in a loss to the bank but should not result in a loss to the bank's customers.

If a third party somehow gains access to your account and transacts business that you would not approve of, you must contact the bank and your local law enforcement authorities, who have jurisdiction over this type of wrongdoing.

FDIC-Insured

Checking Accounts (including money market deposit accounts)


Savings Accounts (including passbook accounts)


Certificates of Deposit
Not FDIC-Insured


Investments in mutual funds (stock, bond or money market mutual funds), whether purchased from a bank, brokerage or dealer


Annuities (underwritten by insurance companies, but sold at some banks)


Stocks, bonds, Treasury securities or other investment products, whether purchased through a bank or a broker/dealer
For More Information from the FDIC
Call toll-free at               1-877-ASK-FDIC        (              1-877-275-3342       ) from 8 a.m. until 8 p.m. Eastern Time, Monday through Friday.

For TDD call               1-800-925-4618       .

Calculate your insurance coverage on-line using the FDIC’s Electronic Deposit Insurance Estimator at: www2.fdic.gov/edie

Request a copy of “Your Insured Deposits,” which provides a detailed discussion on all the ownership categories, or by calling toll free               1-877-275-3342       .

Read more about FDIC insurance on-line at: www.fdic.gov/deposit/deposits/index.html

Send your questions by e-mail using the FDIC’s on-line Customer Assistance Form at: www2.fdic.gov/starsmail

Mail your question to:
FDIC
Attn: Deposit Insurance Outreach
550 17th Street, N.W.
Washington, DC 20429-9990

This web page is intended to present information in a non-technical way and is not intended to be a legal interpretation of FDIC regulations and policies.





 


Last Updated 11/14/2007 [email protected]

SIPC 

http://www.sipc.org/how/brochure.cfm

HOW SIPC PROTECTS YOU

Understanding the Securities
Investor Protection Corporation

ROLE OF SIPC
WHAT SIPC COVERS AND WHAT IT DOES NOT
HOW WE HELP: WHAT YOU NEED TO KNOW ABOUT SIPC
SEVEN QUESTIONS INVESTORS ASK MOST OFTEN
AVOIDING INVESTMENT FRAUD




THE ROLE OF SIPC

SIPC is the first line of defense in the event a brokerage firm fails owing customers cash and securities that are missing from customer accounts. Although not every investor is protected by SIPC, no fewer than 99 percent of persons who are eligible get their investments back from SIPC. From its creation by Congress in 1970 through December 2007, SIPC advanced $508 million in order to make possible the recovery of $15.7 billion in assets for an estimated 625,000 investors.

When a brokerage is closed due to bankruptcy or other financial difficulties and customer assets are missing, SIPC steps in as quickly as possible and, within certain limits, works to return customers’ cash, stock and other securities. Without SIPC, investors at financially troubled brokerage firms might lose their securities or money forever…or wait for years while their assets are tied up in court. However, because not everyone, and not every loss, is protected by SIPC, you are urged to read this whole brochure carefully to learn about the limits of protection.

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WHAT SIPC COVERS AND WHAT IT DOES NOT


SIPC is not the FDIC. The Securities Investor Protection Corporation does not offer to investors the same blanket protection that the Federal Deposit Insurance Corporation provides to bank depositors.

How are SIPC and the FDIC different? When a member bank fails, the FDIC insures all depositors at that institution against loss up to a certain dollar limit. The FDIC’s no-questions-asked approach makes sense because the banking world is “risk averse.” Most savers put their money in FDIC-insured bank accounts because they can’t afford to lose their money.

That is precisely the opposite of how investors behave in the stock market, in which rewards are only possible with risk. Most market losses are a normal part of the ups and downs of the risk-oriented world of investing. That is why SIPC does not bail out investors when the value of their stocks, bonds and other investments falls for any reason. Instead, SIPC replaces missing stocks and other securities where it is possible to do so ... even when the investments have increased in value.

SIPC does not cover individuals who are sold worthless stocks and other securities. SIPC helps individuals whose money, stocks and other securities are stolen by a broker or put at risk when a brokerage fails for other reasons.


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HOW WE HELP: WHAT YOU NEED TO KNOW ABOUT SIPC


Understanding the rules is the key to protecting yourself and your money.



When SIPC gets involved. When a brokerage firm fails owing customers cash and securities that are missing from customer accounts, SIPC usually asks a federal court to appoint a trustee to liquidate the firm and protect its customers. With smaller brokerage firm failures, SIPC sometimes deals directly with customers.


Investors eligible for SIPC help. SIPC aids most customers of failed brokerage firms when assets are missing from customer accounts. (A list of ineligible investors may be found in the fourth question in the next section of this brochure).


Investments protected by SIPC. The cash and securities – such as stocks and bonds – held by a customer at a financially troubled brokerage firm are protected by SIPC. Among the investments that are ineligible for SIPC protection are commodity futures contracts and currency, as well investment contracts (such as limited partnerships) that are not registered with the U.S. Securities and Exchange Commission under the Securities Act of 1933.


Terms of SIPC help. Customers of a failed brokerage firm get back all securities (such as stocks and bonds) that already are registered in their name or are in the process of being registered. After this first step, the firm’s remaining customer assets are then divided on a pro rata basis with funds shared in proportion to the size of claims. If sufficient funds are not available in the firm’s customer accounts to satisfy claims within these limits, the reserve funds of SIPC are used to supplement the distribution, up to a ceiling of $500,000 per customer, including a maximum of $100,000 for cash claims. Additional funds may be available to satisfy the remainder of customer claims after the cost of liquidating the brokerage firm is taken into account.


How account transfers work. In a failed brokerage firm with accurate records, the court-appointed trustee and SIPC may arrange to have some or all customer accounts transferred to another brokerage firm. Customers whose accounts are transferred are notified promptly and then have the option of staying at the new firm or moving to another brokerage of their choosing.


How claims are valued. Typically, when SIPC asks a court to put a troubled brokerage firm in liquidation, the financial worth of a customer’s account is calculated as of the “filing date.” Wherever possible, the actual stocks and other securities owned by a customer are returned to him or her. To accomplish this, SIPC’s reserve funds will be used, if necessary, to purchase replacement securities (such as stocks) in the open market. It is always possible that market changes or fraud at the failed brokerage firm (or elsewhere) will result in the returned securities having lost some – or even all – of their value. In other cases, the securities may have increased in value.



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SEVEN QUESTIONS INVESTORS ASK MOST OFTEN



How can I be sure I am dealing with a SIPC member? Why is that important?

Look for this language:

MEMBER SECURITIES INVESTOR PROTECTION CORPORATION

Those words – or “Member SIPC” – appear in all signs and ads of SIPC members. If you have a question as to whether or not a particular firm is a member of SIPC, you may call the SIPC Membership Department at 202/371-8300 or visit us on the Web at www.sipc.org.

Why is the issue of SIPC membership relevant to you? SIPC protects customers of broker-dealers as long as the broker-dealer is a SIPC member. However, if a SIPC member's registration with the U.S. Securities and Exchange Commission is terminated, the broker-dealer's SIPC membership is also automatically terminated. SIPC loses its power to protect customers of former SIPC members 180 days after the broker-dealer ceases to be a member of SIPC. Normally, the SEC will attempt to prevent the termination of the registration and SIPC membership of a broker-dealer if the firm owes securities or cash to customers. However, a SIPC membership may be terminated if the Commission is unaware the firm owes securities or cash to customers.



What should I be vigilant about before a problem strikes?

Some SIPC members have affiliated or related companies or persons that conduct financial or investment businesses but are not members of SIPC. Some of these affiliates have names which are similar to the name of the SIPC member, or which operate from the same offices or with the same employees. Be sure you receive written confirmation of each securities transaction in your securities account with the SIPC member, and that each confirmation statement and each statement of account is issued by the SIPC member and not by a non-SIPC affiliate. Deposits for credit to your securities account, by check or otherwise, should not be made payable to your account executive, registered representative, or to any other individual, but generally only to your SIPC member broker-dealer or, if your account is carried at another SIPC member who provides clearing services for your SIPC member broker-dealer, then to that other SIPC member. If your check or deposit is payable to other than a SIPC member broker-dealer (such as to the issuer of the securities you are purchasing or to a bank escrow agent), you should take steps to insure that your funds are properly applied.

You should be vigilant to assure that you receive your periodic statements on a timely basis. The failure to provide statements may indicate the broker-dealer has gone out of business. If you do not receive your statement when due and cannot get a satisfactory explanation, or if for any other reason you believe your broker-dealer may have ceased doing business, you should promptly contact the nearest office of the Commission. If your broker-dealer ceases to be a SIPC member while still owing cash and securities to you, you should notify the Commission well within the 180-day period.



How quickly will I get my investments back?

Most customers can expect to receive their property in one to three months. When the records of the brokerage firm are accurate, deliveries of some securities and cash to customers may begin shortly after the trustee receives the completed claim forms from customers, or even earlier if the trustee can transfer customer accounts to another broker-dealer. Delays of several months usually arise when the failed brokerage firm’s records are not accurate. It also is not uncommon for delays to take place when the troubled brokerage firm or its principals were involved in fraud.



Who is not eligible for SIPC protections?

Most customers with cash and securities missing from customer accounts are eligible for SIPC assistance. However, SIPC’s funds may not be used to pay claims of any failed brokerage firm customer who also is:



A general partner, officer, or director of the firm.


The beneficial owner of five percent or more of any class of equity security of the firm (other than certain nonconvertible preferred stocks).


A limited partner with a participation of five percent or more in the net assets or net profits of the firm.


Someone with the power to exercise a controlling influence over the management or policies of the firm.


A broker or dealer or bank acting for itself rather than for its own customer or customers.




Where do I submit my claim form?

If your brokerage firm is put into liquidation, the court-appointed trustee will notify you and send a claim form and instructions. You must return the completed claim forms to the trustee within the time limits set forth in the notice and as described in the instructions. Failure to do so may result in the loss of all or a portion of your claim. If you are notified that your brokerage account has been transferred to another brokerage firm, you should still file a claim form in order to preserve the right to correct any errors that may crop up during the transfer of accounts. For a step-by-step guide to this process, see the SIPC Web site at www.sipc.org.


Is there a time limit for filing claims?

Yes. There are two deadlines for the filing of customer claims:



Court deadline. The time set by the bankruptcy court for filing of customer claims is usually 60 days after the date the notice of the proceeding is published, but could be as little as 30 days after the publication date. The deadline appears in the published notice and a copy of the notice is mailed to customers along with claim forms and instructions that also prominently display the date. Pay close attention to the deadline set forth in the notice and be certain the trustee receives your claim in a timely manner.


Federal law deadline. If your completed claim form is received by the trustee after the date set by the bankruptcy court but no later than six months after public notice is published, the claim is subject to delayed processing and, possibly, limited payment. The six-month deadline is set out in the federal law governing SIPC. The federal deadline absolutely bars any claim that is received more than six months after the publication date. Except for some very narrow exceptions, there are no grounds for time extensions beyond the deadline.




Do I have to prove what the broker owes me? How does that work?

Yes, usually that is done by describing in your claim form the cash and securities that are owed to you. The court-appointed trustee will compare what you claim against the books and records of the brokerage firm. SIPC and court-appointed trustees assume that the brokerage firm’s records are accurate. Frequently, your entire account can be transferred to another brokerage firm for your benefit before you have even filed a claim. However, there are sometimes instances of mistakes in brokerage firm records. In rare cases, these mistakes show transactions made without your authority. You should keep copies of trade confirmations. You should keep copies of your latest monthly or quarterly statement of account from your brokerage firm. A trustee may ask you to supply copies of these documents. If you ever discover an error in a confirmation or statement, you should immediately bring the error to the attention of the brokerage firm in writing. Keep a copy of any such writing you send to the brokerage firm. Remember, if there is something wrong with the brokerage firm’s records of your account, you will have to prove that, or SIPC and the trustee will assume that the firm’s records are accurate.



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AVOIDING INVESTMENT FRAUD


Learn about investment fraud … and where to turn for help.

SIPC urges all investors to understand the dangers of investment fraud and where to turn for help if swindled. That is why SIPC works with regulatory and self-regulatory agencies, consumer groups, and other concerned parties to increase investor awareness about scams. Check out the investment fraud warnings on the following Web sites:

U.S. Securities and Exchange Commission
www.sec.gov/investor/pubs_subject.shtml/#fraud

FINRA (Financial Industry Regulatory Authority)
www.finra.org

National Fraud Information Center
www.fraud.org

Investor Protection Trust
www.investorprotection.org/iec/question_scams.html

Alliance for Investor Education
www.investoreducation.org

Your state securities agency
http://www.nasaa.org/QuickLinks/ContactYourRegulator.cfm

Securities Industry and Financial Markets Association
www.sifma.org

Canadian Investor Protection Fund
www.cipf.ca

You can find a list of the best investment fraud education resources on the Web by visiting SIPC on the Web at www.sipc.org.

IMPORTANT NOTICE: The Securities Investor Protection Act of 1970 (SIPA) is a complex and technical statute. This brochure provides a basic explanation of the Securities Investor Protection Corporation and SIPA. However, it does not explain the SIPA statute with respect to any particular fact pattern. Answers to questions involving particular facts depend upon interpretations, trustees’ decisions, and court actions

Your Investments: Consumer Facts
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Consumer Facts About Investments that are not deposits and are not insured by the FDIC


Traditional Depository Institution Products 
 
Nondeposit Investment Products 
 
Investment Counseling 
 
Insurance Coverage 
 
How to Protect Yourself 
 
How to File a Complaint 
 
Questions? 


Traditional Depository Institution Products
Depository institutions (banks and thrifts) have traditionally offered consumers deposit products, such as checking, savings and money market deposit accounts, and certificates of deposit (CD’s) for which each depositor is insured by the FDIC up to $100,000.

Increasingly, these institutions are also offering consumers a broad array of investment products that are not deposits, such as mutual funds, annuities, life insurance policies, stocks and bonds. Unlike the traditional checking or savings account, however, these nondeposit investment products are not insured by the FDIC.

Nondeposit Investment Products 
These products may be offered to you in the financial institution’s lobby, through the mail or over the phone or through the Internet. Most often, the people selling these products are not financial institution employees, but employees of third-party securities broker/dealers or insurance companies.

To assure that sales representatives fully inform you about nondeposit investment products, the FDIC and other Federal banking agencies have issued guidelines to financial institutions that describe the information you must be told about the risks associated with these products. The mandatory disclosures are listed below.

When you meet or talk with a sales representative about nondeposit investment products, you should be informed that:
"This product is not insured by the Federal Deposit Insurance Corporation."
"This product is not a deposit or other obligation of, or guaranteed by, the bank."
"This product is subject to investment risks, including possible loss of the principle amount invested." 

Sales representatives must make these disclosures to you orally and/ or in writing whenever they make a presentation, provide investment advice concerning a nondeposit investment product, or open an investment account for you.

Any advertisements and other promotional materials you receive must disclose that the product is not a deposit, is not insured by FDIC, and is subject to investment risks.

Look for the logo disclosure (see below) in visual media such as television broadcasts, ATM screens, billboards, signs, posters, and in written advertisement and promotional materials such as brochures.



It’s important to remember that there are generally higher risks associated with nondeposit investment products than with the traditional deposit products, such as savings and interest bearing checking accounts. Nondeposit investment products are not FDIC-insured so you could lose some of the money you invested or not gain as much profit as you expected.

Investment Couseling
Sales of nondeposit investment products on the premises of a financial institution should be conducted in a physical location distinct from the area where insured deposits are taken. The investment sales area should be distinguished from the deposit-taking area by signs or other means.

Tellers and other financial institution employees located in the deposit-taking area may not make general or specific recommendations regarding nondeposit investment products or accept orders for these products. However, these employees may refer you to an individual who is specifically designated and trained to assist you.

When shopping for a nondeposit investment product, look for one that suits your investment goals and objectives, your financial and tax status, the amount of risk you’re willing to take, and the time horizon you’ve set for your investment portfolio.

Don’t hesitate to provide the salesperson with this information. He or she needs to know about your financial objectives before recommending a product that suits you.

Insurance Coverage
Sales presentations and advertisements about nondeposit investment products should not suggest or imply that any alternative insurance coverage is the same as or similar to FDIC insurance.

For example, the Securities Investor Protection Corporation (SIPC) replaces missing stocks and other securities when a brokerage firm fails. If the investment firm holding your securities is a SIPC member, your investment account is subject to SIPC protections if the SIPC member fails. SIPC coverage is not the same as FDIC insurance protection. It does not insure against a decrease in value of a particular invesment or when an individual is sold worthless stocks or other securities.

For more information contact:
Securities Investor Protection Corporation (www.sipc.org)
805 15th Street, NW
Room 800
Washington, DC 20005-2215
(202) 317-8300

How to Protect Yourself
Never invest in a product that you don’t understand.
Be sure you have enough information before making an investment. Ask questions until you are satisfied.
Understand the risks involved in your investment. Investments always entail some degree of risk.
Know who is investing your money—does the salesperson work for the bank or a third-party broker/dealer?
Select a sales representative who understands your financial objectives by interviewing two or three to compare experience, education, and professional background.

Find out more about a sales representative or broker/dealer by calling:
The Financial Industry Regulatory Authority (www.finra.org)
(formerly the National Association of Securities Dealers)
(800) 289-9999

How to File a Complaint
Try to resolve your complaint directly with an officer of the bank before involving an outside agency. Financial institutions value their customers and most will be helpful. If you are unable to resolve the matter with the financial institution, use the following guidelines to determine where to direct your complaint.

If your complaint is against a salesperson who represents a third-party investment firm, call the number below for instructions on where to write:


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The Financial Industry Regulatory Authority (www.finra.org)
(formerly the National Association of Securities Dealers)
(301) 590-6500


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If your complaint or inquiry is about a specific financial product or investment, contact:

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Securities and Exchange Commission (SEC)
Office of Investor Education and Assistance
450 5th Street, NW
Mail Stop 11-2
Washington, DC 20549
(202) 942-7040 or
(800) SEC-0330
www.sec.gov
E-mail: [email protected]

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If your complaint is about a financial institution or an employee of the financial institution, contact one of the federal agencies listed below.
If the financial institution is a state-chartered bank and not a member of the Federal Reserve System, contact:


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Federal Deposit Insurance Corporation
550 17th Street, NW
Washington, DC 20429
(877) 275-3342 or (877) ASK-FDIC
For the hearing impaired call 1 (800) 925-4618 or 1 (703) 562-2289 in the Washington, D.C. area
www2.fdic.gov/starsmail/index.asp

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If the financial institution is a national bank, contact:

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Comptroller of the Currency
Customer Assistance Group,
1301 McKinney Street, Suite 3450
Houston, TX 77010
(800) 613-6743
www.helpwithmybank.gov

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If the financial institution is a state-chartered member of the Federal Reserve System, contact:

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Board of Governors of the
Federal Reserve System
Division of Consumer
and Community Affairs
20th and C Streets, NW
Washington, DC 20551
(202) 452-3693
www.federalreserve.gov

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If the financial institution is a thrift or a savings institution, contact:

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Office of Thrift Supervision
Consumer Affairs
1700 G Street, NW
Washington, DC 20552
(202) 906-6237
(800) 613-6743
www.ots.treas.gov/

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Questions
Call
FDIC Central Call Center
(877) 275-3342 or (877) ASK-FDIC
For the hearing impaired call
1-800-925-4618 or 1-703-562-2289 in the Washington, D.C. area 
Visit
FDIC on the Internet
www.fdic.gov

Or for Customer Assistance
www.fdic.gov/consumers/questions/index.html


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This web page is intended to present information in a nontechnical way and is not intended to be a legal interpretation of FDIC regulations and policies 






Last Updated 12/27/2007 [email protected] 

校习咧。。。。。  

你在美国的存款可能不保 FDIC并没有足够资金

文章来源: 雅虎财经

“世纪金融危机”袭击美国之后，许多美国人开始担心他们银行存款的安全性。虽然FDIC（美国联邦存款保险公司）对个人存款帐户的保险额高达10万美元，但是显然美国人已经对FDIC失去信任。今年夏天大批美国民众在IndyMac零售支行前焦急排队的场景正印证了这种担忧。

　　美国财长鲍尔森在周一的新闻发布会上称美国的银行系统是安全健康的，试图打消普通美国民众的这种担心。

　　“没有什么比金融市场的稳定有序更重要的了，”鲍尔森说，“现在是美国金融市场的艰难时刻，但美国人民应该对我们金融系统的健康有活力充满信心。”

　　但美国民众的担心是有理由的。纽约大学商学院的Nouriel Roubini教授指出，美国全国的存款额高达1兆亿美元，但FDIC只有500亿美元的资金来为这些存款提供保险。“FDIC显然没有足够的资金，除非美国国会立即行动对FDIC注资，” Nouriel Roubini教授说。

　　Nouriel Roubini教授表示他并不想增加民众的恐慌。但他是少数几个准确预测此次信贷危机严重程度的市场观察家之一。他建议那些在户头里有数额超过10万美元的储户分散资金至不同的银行，以降低风险。

避金融危機　美華人將存款化整為零保本


　　金融危機震驚全球，與華爾街緊鄰的華埠更是人心惶惶，雖然多數華人仍有信心，華人社區沒有出現擠兌現象。但是，據業內人士透露，有些存款戶已經開始逐步轉移存款，化整為零，以便萬一遭遇“不幸”，可以受到聯邦存款保險公司(FDIC)的最高10萬美元保險。

　　據美國《明報》報導，紐約華埠的多數銀行9月16日營業基本正常，不過，一位在華埠一家知名銀行工作的匿名職員表示，當日取款數量比平常有所增加。一些存款金額較大的華商紛紛開始逐步移動資金。

　　曾經在銀行擔任高級職務的聯成公所總顧問趙文笙表示，FDIC保障的最高金額為10萬美元，10萬美元以下存款的客戶如遇銀行倒閉等意外，可以得到全數賠款。但是如果超過10萬，就只會停于10萬美元的賠款上線，不再追加，因此一些華人為了分擔風險，將超過10萬美元的戶頭向其它銀行轉移。

　　業內人士表示，實際上，富有的華人在存款上一向小心謹慎，大都分散在多家銀行存款，很少把钜資集中存在一家銀行。此外，數十萬、數百萬美元的現金存款也比較少見，他們多把資金用於投資。