Re: [請益] 請問國泰複委託的美國券商，sipc和fdic

※ 引述《peter98 (PyTorch AI套件爛死惹)》之銘言：
: 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

最近也為了這件事在煩惱，所以也去查了相關資料，但看法有點不一樣，首先第一個Q&A已經拿掉查不到了，就不管它

第二個Q&A，
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.

注意寫的是open an account for its customers，為複數客戶開設單一帳戶，each of the foreign firm’s customers，每一位外國公司的客戶也許都受到SIPC保障的。

所以重點是國內券商是否為客戶們在上手券商開設户頭，這當然是廢話，沒開戶要怎麼交易？

不確定的是保障額度，是所有客戶共享一個帳戶的50萬鎂保障，還是每一位客戶都有獨立的50萬鎂保障？SIPC用may這個字，說得很保守，不確定性很高，可能是因為沒有先例。

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