예금자 보호법 해당없는 은행Banks subject to the Depositor Protection Act within the range of 50 million won (50 million won to 100 million won?)
Depositor Protection Act 50 million won, 100 million won limit (3 banks not applicable to the Depositor Protection Act)
The depositor protection system is provided by the Korea Deposit Insurance Corporation (www.kdic.or.kr) to purchase insurance or to prepare funds, etc., in case financial companies such as banks, securities companies, and savings banks are unable to pay deposits due to bankruptcy or suspension of business. This is a system in which the Korea Deposit Insurance Corporation pays deposits as insurance money on behalf of financial institutions.
Depositor Protection Act 50 million won, 100 million won limit (3 banks not applicable to the Depositor Protection Act)
It is a public insurance operated by law, such as the Deposit Insurance Corporation issuing Deposit Insurance Fund bonds, etc. for the purpose of protecting deposits by enacting the Depositor Protection Act to increase the stability of the financial sector, etc. and to prevent such situations.
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The scope of financial companies subject to the Depositor Protection Act. Each financial company refers to a company established under each applicable law.
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Depositor Protection Act 50 million won, 100 million won limit (3 banks not applicable to the Depositor Protection Act)
This is the range of protected deposits, etc.
For a detailed list of banks subject to the Depositor Protection Act, please visit the website below.
Check banks subject to the Depositor Protection Act
These are three banks and financial companies that are not subject to the Depositor Protection Act.
The above banks are not subject to the Depositor Protection Act, but they can be protected through the Depositor Protection Reserve prepared by each central association. Nonghyup Bank and Suhyup Bank are subject to depositor protection.
Are local Nonghyup depositors protected?
Depositor Protection Act 50 million won, 100 million won limit (3 banks not applicable to the Depositor Protection Act)
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[Deposits not subject to the Depositor Protection Act]
Even banks that fall under the Depositor Protection Act are non-protected financial products.
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The types of insurance accidents that can pay insurance money according to the depositor protection crime are divided into type 1 and type 2.
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Scope of insurance payment
Depositors can claim insurance money in accordance with the payment notice announced by the Korea Deposit Insurance Corporation. The statute of limitations expires if not exercised within 5 years from the commencement date.
For type 1 insurance accidents, payment is determined within 2 months of receiving notification of the insurance accident.
As of now, the limit of the Depositor Protection Act is paid up to KRW 50 million.
The depositor protection law limit of 50 million won has been the same for about 20 years. Due to the increase in national income and inflation, an amendment to raise the limit of the Depositor Protection Act to 100 million was proposed.
In the case of the United States, the depositor protection is 250,000 dollars, and Japan is 100 million won.
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