請問國泰複委託的美國券商,sipc和fdic - 理財

By Faithe
at 2023-04-30T17:21
at 2023-04-30T17:21
Table of Contents
不要再問了 人家SIPC的規則寫在那裏都不看的 就那麼兩段Q&A的文字而已
擷取重點翻譯
Q: Is a non-U.S. corporation eligible for protection from SIPC?
請問非美國的機構是否適用SIPC?
A: Generally, a corporation organized under non-U.S. law and/or with its
principal place of business outside the United States may qualify as a “
customer” under the Securities Investor Protection Act and may be eligible
for SIPC protection. A corporation that is a bank or securities broker-dealer
acting on its own behalf, not on behalf of customers, however, is not
eligible for SIPC protection.
一班來說,非美國的法律下的機構,且/或其機構主要業務範圍是在美國以外,該機構將
被視為一個顧客,適用SIPC。然而如果一個機構是銀行或證券業務,如果只代表他自己而
不代表全體顧客,那麼將不適用SIPC。
PS: 如果機構代表他自己一個實體,不受到保護。然而這並不代表機構如果代表整體客戶
就一定有保護。若P則Q的等價只有非Q則非P,而不是非P則非Q。SIPC知道有些人沒學
過邏輯,所以還有一段Q&A,如下:
Q: I am a customer of a non-U.S. (foreign) brokerage firm that is not a SIPC
member, but that has a relationship with a U.S. brokerage firm that is a
member of SIPC. Am I eligible for SIPC protection?
我是一個美國以外、其他國家的證券委託機構的客戶,該證券委託機構並非SIPC成員
請問我是否仍受到保護?
A: SIPC protection is available only with respect to cash and securities
credited to a customer account at a SIPC-member brokerage firm in liquidation
or in a direct payment procedure under the Securities Investor Protection Act
(SIPA). If a foreign brokerage firm has opened an account for its customers
at a SIPC-member firm, and if the member firm is placed in SIPA liquidation,
each of the foreign firm’s customers may be eligible for SIPC protection on
a pass-through basis. It is important to emphasize that SIPC protection is
only available in a SIPA proceeding, and is not available in any non-SIPA
bankruptcy or insolvency proceeding of a non-SIPC member firm.
SIPC只保護存在SIPC成員機構的帳戶內的現金及證券。如果國外證券機構為其顧客在SIPC
成員機構都開一個帳戶,當事件發生後,每個顧客均受到保護
以上 夠清楚了吧
要不我先問問複委託群眾 請問你們複委託的上手券商那邊的帳戶是你的嗎? 號碼是甚麼?
幾點take-away
1. 即使券商破產 也不一定要走到SIPC
2. 複委託的保護 源自於國內券商對你的承諾 而不是SIPC給的承諾
※ 引述《ssnopra (provia不要開口~不要回 )》之銘言:
: 各位前輩好
: 想問一下
: 有人知道國泰美股複委託的美國券商是哪間嗎?
: 用複委託是否就不受到sipc跟fdic的保護了呢?
: 謝謝
--
歷經綠卡洗禮的過來人建議: 社交connection does matter! 共勉之!
--
擷取重點翻譯
Q: Is a non-U.S. corporation eligible for protection from SIPC?
請問非美國的機構是否適用SIPC?
A: Generally, a corporation organized under non-U.S. law and/or with its
principal place of business outside the United States may qualify as a “
customer” under the Securities Investor Protection Act and may be eligible
for SIPC protection. A corporation that is a bank or securities broker-dealer
acting on its own behalf, not on behalf of customers, however, is not
eligible for SIPC protection.
一班來說,非美國的法律下的機構,且/或其機構主要業務範圍是在美國以外,該機構將
被視為一個顧客,適用SIPC。然而如果一個機構是銀行或證券業務,如果只代表他自己而
不代表全體顧客,那麼將不適用SIPC。
PS: 如果機構代表他自己一個實體,不受到保護。然而這並不代表機構如果代表整體客戶
就一定有保護。若P則Q的等價只有非Q則非P,而不是非P則非Q。SIPC知道有些人沒學
過邏輯,所以還有一段Q&A,如下:
Q: I am a customer of a non-U.S. (foreign) brokerage firm that is not a SIPC
member, but that has a relationship with a U.S. brokerage firm that is a
member of SIPC. Am I eligible for SIPC protection?
我是一個美國以外、其他國家的證券委託機構的客戶,該證券委託機構並非SIPC成員
請問我是否仍受到保護?
A: SIPC protection is available only with respect to cash and securities
credited to a customer account at a SIPC-member brokerage firm in liquidation
or in a direct payment procedure under the Securities Investor Protection Act
(SIPA). If a foreign brokerage firm has opened an account for its customers
at a SIPC-member firm, and if the member firm is placed in SIPA liquidation,
each of the foreign firm’s customers may be eligible for SIPC protection on
a pass-through basis. It is important to emphasize that SIPC protection is
only available in a SIPA proceeding, and is not available in any non-SIPA
bankruptcy or insolvency proceeding of a non-SIPC member firm.
SIPC只保護存在SIPC成員機構的帳戶內的現金及證券。如果國外證券機構為其顧客在SIPC
成員機構都開一個帳戶,當事件發生後,每個顧客均受到保護
以上 夠清楚了吧
要不我先問問複委託群眾 請問你們複委託的上手券商那邊的帳戶是你的嗎? 號碼是甚麼?
幾點take-away
1. 即使券商破產 也不一定要走到SIPC
2. 複委託的保護 源自於國內券商對你的承諾 而不是SIPC給的承諾
※ 引述《ssnopra (provia不要開口~不要回 )》之銘言:
: 各位前輩好
: 想問一下
: 有人知道國泰美股複委託的美國券商是哪間嗎?
: 用複委託是否就不受到sipc跟fdic的保護了呢?
: 謝謝
--
→ P*To*ch: 我citations早就破百 就是推薦人找不齊 辦不了08/23 21:57
歷經綠卡洗禮的過來人建議: 社交connection does matter! 共勉之!
--
Tags:
理財
All Comments

By Lily
at 2023-05-03T15:18
at 2023-05-03T15:18

By Olive
at 2023-05-06T13:15
at 2023-05-06T13:15
外的券商有退稅,台灣的券商會收到退稅,然後台灣投資
人會收到退稅

By Dora
at 2023-05-09T11:11
at 2023-05-09T11:11
商

By Skylar Davis
at 2023-05-12T09:08
at 2023-05-12T09:08
,除非台灣券商有跟外國券商簽特殊約,並所有台灣投資
人開戶,但是我相信,應該是沒有人這樣做

By Oliver
at 2023-05-15T07:05
at 2023-05-15T07:05

By Ina
at 2023-05-18T05:02
at 2023-05-18T05:02

By Odelette
at 2023-05-17T23:17
at 2023-05-17T23:17
的答案也和這篇差不多
但比較奇怪的是 他們居然說美國那邊上手券商是商業機密
無法透露

By Caroline
at 2023-05-20T21:14
at 2023-05-20T21:14

By Edward Lewis
at 2023-05-17T23:17
at 2023-05-17T23:17
的帳戶

By Rachel
at 2023-05-20T21:14
at 2023-05-20T21:14
該很夠一般人使用了

By Leila
at 2023-05-17T23:17
at 2023-05-17T23:17
是在台灣的下單介面的機房 資料庫, 在戰爭中被炸毀

By Emily
at 2023-05-20T21:14
at 2023-05-20T21:14
交易就是停擺,即使你逃到國外也沒用,錢跟資產全面進入
凍結狀態

By Selena
at 2023-05-17T23:17
at 2023-05-17T23:17
在申請開嘉信證券的戶頭中

By Hedda
at 2023-05-20T21:14
at 2023-05-20T21:14
否則無法轉移

By Rebecca
at 2023-05-17T23:17
at 2023-05-17T23:17

By Isla
at 2023-05-20T21:14
at 2023-05-20T21:14

By Freda
at 2023-05-17T23:17
at 2023-05-17T23:17

By Hedwig
at 2023-05-20T21:14
at 2023-05-20T21:14
楚

By William
at 2023-05-17T23:17
at 2023-05-17T23:17
(一)美國市場:Citigroup Global Markets Asia Limit
ed、BTIG Hong Kong Limited、Jefferies Internation
al Limited、Griffinest
Asia Securities LLC、Viewtrade

By Ingrid
at 2023-05-20T21:14
at 2023-05-20T21:14

By Ingrid
at 2023-05-17T23:17
at 2023-05-17T23:17

By Tom
at 2023-05-20T21:14
at 2023-05-20T21:14

By Michael
at 2023-05-17T23:17
at 2023-05-17T23:17

By David
at 2023-05-20T21:14
at 2023-05-20T21:14

By Brianna
at 2023-05-17T23:17
at 2023-05-17T23:17

By Rebecca
at 2023-05-20T21:14
at 2023-05-20T21:14

By Jacky
at 2023-05-17T23:17
at 2023-05-17T23:17

By Ursula
at 2023-05-20T21:14
at 2023-05-20T21:14

By Poppy
at 2023-05-17T23:17
at 2023-05-17T23:17

By Christine
at 2023-05-20T21:14
at 2023-05-20T21:14

By Madame
at 2023-05-17T23:17
at 2023-05-17T23:17
即使台灣斷電 斷網 應該還是可以繼續運作

By John
at 2023-05-20T21:14
at 2023-05-20T21:14
風險,感謝再一次說明

By Eartha
at 2023-05-17T23:17
at 2023-05-17T23:17

By Isla
at 2023-05-20T21:14
at 2023-05-20T21:14
下個單下個月看對帳單就知道了

By Tom
at 2023-05-17T23:17
at 2023-05-17T23:17
萌藍提到複受託金融機構有美國香港與其他市場

By Sarah
at 2023-05-20T21:14
at 2023-05-20T21:14
券作業辦法第21條 規定要載明複受託金融機構跟保管
機構名稱 上面永豐說是商業機密的不知道在說啥 沒
揭露的可以去檢舉 下個月你就看得到了

By Doris
at 2023-05-17T23:17
at 2023-05-17T23:17
少

By Mary
at 2023-05-20T21:14
at 2023-05-20T21:14

By Hedy
at 2023-05-17T23:17
at 2023-05-17T23:17
灣只有這間上手有辦法做

By Caroline
at 2023-05-20T21:14
at 2023-05-20T21:14

By Ivy
at 2023-05-17T23:17
at 2023-05-17T23:17

By Cara
at 2023-05-20T21:14
at 2023-05-20T21:14
有50萬額度?

By Regina
at 2023-05-17T23:17
at 2023-05-17T23:17
而是透過基金ETF都會有你講的風險 因為他們都是透過上
手券商購買相關標的放在保管銀行

By Daph Bay
at 2023-05-20T21:14
at 2023-05-20T21:14

By Caitlin
at 2023-05-17T23:17
at 2023-05-17T23:17

By Robert
at 2023-05-20T21:14
at 2023-05-20T21:14

By Sandy
at 2023-05-17T23:17
at 2023-05-17T23:17
許多金融機構發行美股基金和ETF在台灣賣 而且商品很多 有的
還會包裝成保險/儲蓄險拿出來賣 依照本文der邏輯 基本上可
以假設 國內的金融機構不會自己沒事找事幫國內跟他們買美股
ETF fund的投資人/投保人參加保險或在美國券商那邊開戶 那
麼萬一哪天上手爆惹 這個牽涉到der金額窩無法想像!因為扯
到保險 購買對象9不是只有一般民眾惹 公司行號或其他金融機
構都有可能來買

By Adele
at 2023-05-20T21:14
at 2023-05-20T21:14

By Agnes
at 2023-05-17T23:17
at 2023-05-17T23:17

By Elvira
at 2023-05-20T21:14
at 2023-05-20T21:14
是前面講的那樣。if... an account for its customers, 前
提就是為複數客戶開一個户頭而已,each of the foreign fir
m’s customers may be eligible for SIPC protection,注
意這裡的寫法,被保障的不是那一個帳戶,而是每一位客戶,
正確的解釋應該是每一位客戶可能都有50萬鎂的保障。

By Liam
at 2023-05-17T23:17
at 2023-05-17T23:17
機構這樣寫,通常代表要視個案而定,不是一律適用。
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