CSC chapter 3
老师您好， 对于CDIC投保我有个问题。
在书上3-6最下边关于 CDIC的解释是：
CDIC insures eligible deposits up to $100,000 per depositor in each member institution (banks, trust companies, and loan companies), and reimburses depositors for the amount of any insured deposits if a member institution fails.
To be eligible for insurance, deposits must be held with a member institution in Canadian currency and payable in Canada. Term deposits must be repayable no later than five years from the date of deposit. The $100,000 maximum includes all of the client’s insurable types of deposits with the same CDIC member. Deposits at different branches of the same member institution are not insured separately.
如果我理解没错， 无论投资人投了多少钱，有几个账户， 无论是general account 还是 separate account， CDIC的理赔总共上限是100，000$。
然而，在紧接着的example中：
Assume that you have $80,000 cash on deposit in your own name, and in the same institution you have $120,000 on deposit in a registered retirement savings plan. If the institution were to fail, CDIC would insure your deposits in the amount of $180,000 ($80,000 fully covered for the cash deposit in your own name and a maximum of $100,000 covered for your registered retirement savings plan).
所以说，CDIC是对不同账户分别理赔100k还是一共最多理赔100k呢？
麻烦老师解答。
谢谢
同学，你好：
关于CDIC的解释，你是有误的！建议你看看书上这段解释下面的例子：
Assume that you have $80,000 cash on deposit in your own name, and in the same institution you have
$120,000 on deposit in a registered retirement savings plan. If the institution were to fail, CDIC would insure
your deposits in the amount of $180,000 ($80,000 fully covered for the cash deposit in your own name and a
maximum of $100,000 covered for your registered retirement savings plan).
general account的最大保额是10W，而registered account的最大保额也是10W。 不是总共10W。
例子更加便于理解！
请登录或注册以提交给你的回答
