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A secure deposit fund protects deposited money in case of a bank’s bankruptcy, with national programs providing basic security and individual programs for interested banks. Large amounts of money are needed, and government agencies may provide additional support. Regulators supervise the fund, and participating banks must display information about it.
A secure deposit fund places money at your disposal in the event of a bank quiebra to avoid losses. Persons with deposited money will receive a full refund, up to a certain amount, of the fund. In some cases, the coverage can offer a través de múltiples fund de seguro depósitos to increase the amount of coverage, toasting a guarantee to the customers with great accounts. Many countries have national programs to provide basic storage security, and individual additional security programs may exist for banks interested in registering.
Vary large amounts of money to maintain a secure deposit fund large enough to raise financial resources. A source are the first cobradas to the participating institutions, which must pay a portion of the deposited funds, by the general, to follow by being part of the fund. If you keep accounts and transactions of high riesgo, your primas pueden ser más altas. The safe deposit fund also may require special evaluations on my members if you are concerned about exposure to the outcome and are concerned that the fund cannot make large losses.
The government agencies may provide additional support. This can be directed in the form of funds or gubernamental inversions in the fund, or a promise of préstamos. In the event of an economic crisis where the deposit security fund cannot cover the losses in full, the government préstamos can intervene to offer compensation. The security of the deposit works without problems; The customers of the counter must not experience an interruption in the access to their accounts when the institutions are closed and reabiertas by the trustees or the corporate buyers.
Regulators can supervise a safe deposit fund. Compare the cantidad de dinero en el Fondo with the level of riesgo to determine if you complete with the pautas. If the funds in the safe deposit are very high, it is possible that there is not enough money in reserve to reserve the funds. This requires special evaluations to obtain more funds.
If a bank participates in a safe deposit fund, it must show carteles with respecting information. The letters indicate that the counter is fully entitled and provide contact information for customers who want to verify, together with the information on the safety record that the counter holds. This may include the base stock cubierto por el fund, as well as additional deposits guaranteed by an additional security. Por ejemplo, en los estados unidos, la Federal Deposit Insurance Corporation (FDIC) cubre hasta $ 250,000 dólares estadounidenses (USD), y los individual estados holden sus propios fundos para cubrir sumas superiores a esa.
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