Re: [請益] 請問國泰複委託的美國券商，sipc和fdic

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

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。

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

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歷經綠卡洗禮的過來人建議: 社交connection does matter! 共勉之!

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