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SIPC的50万美元保险里的现金保护上限，已经由10万提升到了25万美元。IB英文网页早已更新了内容。具体资料请看：
About Regulation
On July 21, 2010, President Barack Obama signed the Dodd-Frank Wall Street Reform and Consumer Protection Act, which, in part, permanently raises the current standard maximum deposit insurance amount to $250,000. The standard maximum insurance amount of $100,000 had been temporarily raised to $250,000 until December 31, 2013. The FDIC insurance coverage limit applies per depositor, per insured depository institution for each account ownership category. For further information, please visit http://www.fdic.gov/.
Among the many changes mandated by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 (the “Dodd-Frank Act”) is an increase in cash protection by the Securities Investor Protection Corporation® (SIPC®) from $100,000 to $250,000.
美國聯邦存款保險公司(FDIC)已將每位存款人的存款保險金額永久性提高至25萬美元，這項行動是Dodd-Frank華爾街改革與消費者保護法的一部份，美國總統Obama已於7月21日簽署此項法案。進一步詳情請參閱http://www.fdic.gov/網站。
依據修改後的Dodd-Frank Act條款，SIPC對投資人帳戶中現金的保障已由原本的10萬美元增加至25萬美元。
关于SIPC保护的产品，有这样的SIPC官方网页解释：
What SIPC Covers... What it Does Not
http://www.sipc.org/how/covers.cfm
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（不适合） for SIPC protection are commodity futures contracts商品期货产品 (unless defined as customer property under the Securities Investor Protection Act) and currency, as well as investment contracts (such as limited partnerships) and fixed annuity contracts that are not registered with the U.S. Securities and Exchange Commission under the Securities Act of 1933.
It is important to recognize that SIPC does not work the same way as the Federal Deposit Insurance Corporation in terms of blanket protection of losses.
Why We Are NOT the FDIC
http://www.sipc.org/who/notfdic.cfm
"Insurance" for investment fraud does not exist in the U.S. The Federal Trade Commission, Federal Bureau of Investigation, state securities regulators and other experts have estimated that investment fraud in the U.S. ranges from $10-$40 billion a year. In the case of microcap stock fraud, the toll on investors has been estimated as $1-3 billion annually.
With a reserve of slightly more than $1 billion, SIPC could not keep its doors open for long if its purpose was to compensate all victims in the event of loss due to investment fraud.
It is important to understand that SIPC is not the securities world equivalent of FDIC–the Federal Deposit Insurance Corporation. Congress specifically considered creating a Federal Broker-Dealer Insurance Corporation, but lawmakers wisely concluded that such a designation would be both misleading and out of step in the risk-based investment marketplace that is so different from the world of banking.
When SIPC gets Involved
http://www.sipc.org/how/involved.cfm
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.
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狗仔卡
发表于 2011-6-28 10:16:10
显身卡
