Introduction
Federal Deposit Insurance Corporation (FDIC) ek amriki sarkari idara hai jo ke banking aur financial system ko regulate aur insure karta hai. Ye idara 1933 mein Great Depression ke doran qaim kiya gaya tha, taa ke logon ki bank deposits ko mehfooz rakha ja sake. FDIC ka maqsad bank failures se logon ko bachana hai aur overall financial stability ko barqarar rakna hai.FDIC ki bunyad President Franklin D. Roosevelt ke dobara inteqal karne ke qareeb qaim ki gayi thi, jab America mein bank failures ki shiddat barh rahi thi. Is doran log apne bachat aur jaama deposits ko kho rahe the. FDIC ke zariye, sarkar ne bank deposits ko mahfooz banane ka aham qadam uthaya aur logon ko financial crisis se bachaya.
Kaam aur Fawaid
FDIC ka kaam bank deposits ko insure karna hai. Jab bhi koi shakhs apni savings ya checking account mein paisa jama karta hai, to FDIC us deposit ko insure kar deta hai, is tarah agar bank fail ho jaye to logon ko unka paisa wapas mil sakta hai, aik had tak. FDIC ki wajah se logon mein bankon mein apne paisay jama karne ka itminan hota hai.FDIC ka kaam bohot simple hai. Har saal, har bank apne deposits ki ek chandni jama karta hai FDIC ke saath, jise woh taqreeban apne customers se wosool karta hai. Agar bank fail ho jaye, to FDIC woh deposits wapas deti hai, aik had tak. Is tarah, bank customers ki deposits ko mehfooz rakha jata hai aur logon ka confidence banking system mein barqarar rehta hai.
FDIC ki Hudood
FDIC ki zimedari sirf un customers ki deposits tak mehdood hai jo federally insured banks mein jama hoti hain. Ye zimmedari sirf saadah bachat accounts, checking accounts, aur CDs jaise accounts ko cover karti hai. FDIC ki coverage mein business accounts, investment accounts, aur kuch specialized accounts nahi shamil hoti.
Banks ka Intikhab
Har bank ko apni customers ke deposits ko insure karne ki darkhwast karni hoti hai, jo ke aksar customers ke liye aik aham faisla hota hai jab woh bank chunte hain. FDIC ke istifadah se, log apne bank ka intikhab karte waqt zyada mutmain aur secure feel karte hain.
Is tarah, FDIC banking system ke liye zaroori hai aur iska maqsad hai ke logon ko financial crisis se bachaya jaye aur unka paisa mehfooz rakha jaye.
Federal Deposit Insurance Corporation (FDIC) ek amriki sarkari idara hai jo ke banking aur financial system ko regulate aur insure karta hai. Ye idara 1933 mein Great Depression ke doran qaim kiya gaya tha, taa ke logon ki bank deposits ko mehfooz rakha ja sake. FDIC ka maqsad bank failures se logon ko bachana hai aur overall financial stability ko barqarar rakna hai.FDIC ki bunyad President Franklin D. Roosevelt ke dobara inteqal karne ke qareeb qaim ki gayi thi, jab America mein bank failures ki shiddat barh rahi thi. Is doran log apne bachat aur jaama deposits ko kho rahe the. FDIC ke zariye, sarkar ne bank deposits ko mahfooz banane ka aham qadam uthaya aur logon ko financial crisis se bachaya.
Kaam aur Fawaid
FDIC ka kaam bank deposits ko insure karna hai. Jab bhi koi shakhs apni savings ya checking account mein paisa jama karta hai, to FDIC us deposit ko insure kar deta hai, is tarah agar bank fail ho jaye to logon ko unka paisa wapas mil sakta hai, aik had tak. FDIC ki wajah se logon mein bankon mein apne paisay jama karne ka itminan hota hai.FDIC ka kaam bohot simple hai. Har saal, har bank apne deposits ki ek chandni jama karta hai FDIC ke saath, jise woh taqreeban apne customers se wosool karta hai. Agar bank fail ho jaye, to FDIC woh deposits wapas deti hai, aik had tak. Is tarah, bank customers ki deposits ko mehfooz rakha jata hai aur logon ka confidence banking system mein barqarar rehta hai.
FDIC ki Hudood
FDIC ki zimedari sirf un customers ki deposits tak mehdood hai jo federally insured banks mein jama hoti hain. Ye zimmedari sirf saadah bachat accounts, checking accounts, aur CDs jaise accounts ko cover karti hai. FDIC ki coverage mein business accounts, investment accounts, aur kuch specialized accounts nahi shamil hoti.
Banks ka Intikhab
Har bank ko apni customers ke deposits ko insure karne ki darkhwast karni hoti hai, jo ke aksar customers ke liye aik aham faisla hota hai jab woh bank chunte hain. FDIC ke istifadah se, log apne bank ka intikhab karte waqt zyada mutmain aur secure feel karte hain.
Is tarah, FDIC banking system ke liye zaroori hai aur iska maqsad hai ke logon ko financial crisis se bachaya jaye aur unka paisa mehfooz rakha jaye.
