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2024-03-07 21:07:09
SIPC - Securities Investor Protection Corporation
SIPC - Securities Investor Protection Corporation
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About SIPC
Who We Are
We are a non-profit corporation that has been protecting investors for 50 years. We work to restore investors’ cash and securities when their brokerage firm fails. SIPC has recovered billions of dollars for investors.
Mission
SIPC works to restore investors’ assets when a brokerage firm fails financially.
History and Track Record
SIPC has restored billions of dollars for investors.
Leadership
Our job is to recover missing assets if your brokerage firm fails financially.
The SIPC Logo
The SIPC logo means your assets are protected under the Securities Investor Protection Act (SIPA).
The SIPC Fund
SIPC maintains resources from which we can draw to restore customer assets.
Statute and Rules
SIPC is a non-profit corporation created by Congress some 50 years ago.
SIPC Annual Report
The year in review.
Brochures
Download or view SIPC brochures here.
Cases & Claims
Cases & Claims
Find claim forms and deadlines for open cases here.SIPC has restored billions of dollars for investors.
Filing Deadlines
When you file matters. Filing deadlines explained.
How To File a Claim
Claim FAQs
All Open Cases
Cases that are still being processed.
How a Liquidation Works
Steps SIPC takes to recover customer assets when a brokerage firm fails financially.
How The Claims Process Works
What happens when you file a claim.
For Investors
How We Protect You
SIPC has recovered billions of dollars for investors. Our job is to recover missing cash or securities if your brokerage firm has gone out of business. SIPC has issued Investor Bulletins explaining SIPC’s protection and claims process. Click here for Part I ("SIPC Basics"). Click here for Part II ("Filing a SIPC Claim").
What is SIPC?
Click here for a brief introduction
How SIPC Protects You
First 50 years of protection
When SIPC Gets Involved
SIPC steps in when a brokerage firm fails financially, and assets are missing from customer accounts.
What SIPC Protects
SIPC protects customer assets when a SIPC-member brokerage firm fails financially.
Investors with Multiple Accounts
Understand how SIPC protection works if you have multiple accounts.
Investor FAQs
Find answers to your questions.
Fraud Alerts
See our latest fraud alerts to protect yourself.
Protecting Yourself Against Fraud
Steps you can take to protect yourself from fraud.
SIPC Annual Report
The year in review.
Brochures
Download or view SIPC brochures here.
For Member Firms
For Member Firms
SIPC member brokerage firms can find information here about filing requirements, the SIPC assessment, and the SIPC logo.
Member Information
Guidelines and tools for SIPC member brokerage firms.
Assessment Rate
Member FAQs
SIPC Logo Rules
Order Brochures, Signs, and Decals
Fraud Alerts
See our latest fraud alerts to protect yourself.
Portal Information
Information about the SIPC Broker-Dealer Portal.
Portal Webinar
Watch a webinar about the SIPC Broker-Dealer Portal.
Member Filing Requirements
Questions about filing requirements? Call the membership department at (202) 371-8300 or email form@sipc.org.
How To File Your Assessment Forms (SIPC-6/SIPC-7)
How to File Your Annual Report
How To File Your Agreed-Upon Procedures (AUP) Report
How To File Your Form SIPC-3
Portal Information
Information about the SIPC broker-dealer portal.
Portal Introduction
Portal FAQs
Portal Administrator Delegation
How To File Portal Forms
SIPC Broker-Dealer Portal
Pay Your Assessment
News & Media
News & Media
News releases, brochures, reports, and more.
News Releases
Speeches and Testimony
Brochures
Annual Reports
In the Media
Media Contact
Contact Us
List Of Members
Search Query
About SIPC
>
Cases & Claims
>
For Investors
>
For Member Firms
>
News & Media
>
Broker-Dealer Portal
>
Collapse Navigation
Contact Us
Search Query
Back
About SIPC
Mission
>
History and Track Record
>
Leadership
>
The SIPC Logo
>
The SIPC Fund
>
Statute and Rules
>
SIPC Annual Report
>
Brochures
>
Collapse Navigation
Contact Us
Search Query
Back
Cases & Claims
Filing Deadlines
>
All Open Cases
>
How To File a Claim
>
Claim FAQs
>
How a Liquidation Works
>
How The Claims Process Works
>
Collapse Navigation
Contact Us
Search Query
Back
For Investors
When SIPC Gets Involved
>
What SIPC Protects
>
Investors with Multiple Accounts
>
Investor FAQs
>
Fraud Alerts
>
Protecting Yourself Against Fraud
>
SIPC Annual Report
>
Brochures
>
Collapse Navigation
Contact Us
Search Query
Back
For Member Firms
Assessment Rate
>
Portal Introduction
>
Member FAQs
>
Portal FAQs
>
Portal Administrator Delegation
>
SIPC Logo Rules
>
How To File Portal Forms
>
Order Brochures, Signs, and Decals
>
Fraud Alerts
>
How To File Your Assessment Forms (SIPC-6/SIPC-7)
>
How to File Your Annual Report
>
Portal Information
>
Portal Webinar
>
How To File Your Agreed-Upon Procedures (AUP) Report
>
How To File Your Form SIPC-3
>
Pay Assessments
>
Collapse Navigation
Contact Us
Search Query
Back
News & Media
News Releases
>
Speeches and Testimony
>
Brochures
>
Annual Reports
>
In the Media
>
Media Contact
>
Collapse Navigation
Contact Us
List Of Members
Fraud Alerts:
See our latest fraud alerts to protect yourself.
Click Here For More Information
Malicious actors may attempt to impersonate SIPC employees in fraudulent e-mails.
If an e-mail is suspicious, please contact SIPC to confirm its authenticity.
Malicious actors also may pose as SIPC through false or fraudulent websites that mimic SIPC's web site.
Beware of any websites using similar domain names to SIPC's or that resemble SIPC’s website except for certain contact information.
SIPC's official website appears exclusively at www.sipc.org.
For any questions or concerns, contact SIPC at 202-371-8300 or by manually addressing an email to asksipc@sipc.org.
For Investors
For Member Firms
Cases & Claims
SIPC has issued Investor Bulletins explaining SIPC’s protection and claims process.
Click here for Part I ("SIPC Basics").
Click here for Part II ("Filing a SIPC Claim").
A Brief Introduction
Watch The Video
If you have trouble viewing the video, please click here to view it on YouTube or click here to view it on Facebook.
We are a non-profit corporation that has been protecting investors for over 50 years. SIPC has recovered billions of dollars for investors.
Created by Congress in 1970, SIPC celebrated 50 years of protecting investors in 2020.
Read the Special Anniversary Report here
Watch the Anniversary Video
Important Information for Investors
Claim Filing Deadlines
When you file matters. Filing deadlines explained.
Is Your Broker a SIPC Member?
SIPC protects the customers of over 3,500 securities brokerage firms.
Open Cases
Cases that are still being processed.
Home
About SIPC
Cases & Claims
For Investors
For Member Firms
News & Media
Contact Us
List of Members
Broker-Dealer Portal
Search
Español
Disclaimer
Privacy Policy
Site Map
Get In Touch
Securities Investor
Protection Corporation
1667 K St. N.W., Suite 1000
Washington, D.C. 20006-1620
Telephone: (202) 371-8300
Fax: (202) 223-1679
Email: asksipc@sipc.org
美国证券投资者之保护机构～SIPC - 知乎
美国证券投资者之保护机构～SIPC - 知乎首发于海外法律观察切换模式写文章登录/注册美国证券投资者之保护机构～SIPC张楚教授中国政法大学 法学博士一，机构名称证券投资者保护公司（Securities Investor Protection Corporation；SIPC ）是根据美国1970年《证券投资者保护法》 （SIPA）成立的联邦政府授权的，非营利性，成员出资的公司，并要求大多数美国注册会员经纪交易商参加该组织。 尽管是由联邦法律创立并由证券交易委员会监督，但SIPC既不是政府机构，也不是经纪交易商的监管者。 设立SIPC的目的是，在破产企业清算期间，加快收回和返还所丢失的客户现金和资产。The Securities Investor Protection Corporation (SIPC) is a federally mandated, non-profit, member-funded, United States corporation created under the Securities Investor Protection Act (SIPA) of 1970 that mandates membership of most US-registered broker-dealers. Although created by federal legislation and overseen by the Securities and Exchange Commission, the SIPC is neither a government agency nor a regulator of broker-dealers. The purpose of the SIPC is to expedite the recovery and return of missing customer cash and assets during the liquidation of a failed investment firm.二，机构之作用如果经纪交易商失败，SIPC将扮演两个主要角色。首先，SIPC负责组织向投资者分配客户现金和证券。其次，在无法获得客户的现金和/或证券的情况下，SIPC会为客户的净资产中的500,000美元提供保险，其中包括250,000美元的现金。在大多数情况下，经纪公司已经破产或濒临破产，SIPC首先设法将客户账户转移到另一家经纪公司。如果该程序失败，破产公司将被清算。为了提出索赔，投资者必须证明其经济损失是由于经纪交易商的破产而引起的，而不是由于欺诈，失实陈述或不良的投资决定。在某些情况下，根据客户的声明，证券或现金可能不完整。在这种情况下，还可向“其证券可能已经丢失，被假冒，被盗用，从未购买甚至被盗”的投资者提供保护。The SIPC serves two primary roles in the event that a broker-dealer fails. First, the SIPC acts to organize the distribution of customer cash and securities to investors. Second, to the extent a customer's cash and/or securities are unavailable, the SIPC provides insurance coverage up to $500,000 of the customer's net equity balance, including up to $250,000 in cash. In most cases where a brokerage firm has failed or is on the brink of failure, SIPC first seeks to transfer customer accounts to another brokerage firm. Should that process fail, the insolvent firm will be liquidated. In order to state a claim, the investor is required to show that their economic loss arose because of the insolvency of their broker-dealer and not because of fraud, misrepresentation, or bad investment decisions. In certain circumstances, securities or cash may not exist in full based upon a customer's statement. In this case, protection is also extended to investors whose "securities may have been lost, improperly hypothecated, misappropriated, never purchased, or even stolen". 尽管客户的现金和大多数类型的证券（例如票据，股票，债券和存款证）受到保护，但其他项目（例如商品或期货合约）不受保护。除非在美国证券交易委员会注册，否则，将不涵盖投资合同，权益证明书，参与利润分成协议以及石油，天然气或矿物特许权使用费或租赁。While customers' cash and most types of securities - such as notes, stocks, bonds and certificates of deposit - are protected, other items such as commodity or futures contracts are not covered. Investment contracts, certificates of interest, participations in profit-sharing agreements, and oil, gas, or mineral royalties or leases are not covered unless registered with the Securities and Exchange Commission.编辑于 2021-02-06 09:03证券投资投资者美国证券交易委员会 (SEC)赞同 1添加评论分享喜欢收藏申请转载文章被以下专栏收录海外法
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美股投资的资金有保障吗？美国金融股票监管机构介绍-美股入门必备知识（10） - 知乎
美股投资的资金有保障吗？美国金融股票监管机构介绍-美股入门必备知识（10） - 知乎切换模式写文章登录/注册美股投资的资金有保障吗？美国金融股票监管机构介绍-美股入门必备知识（10）浩外大叔专注于全球资产配置，研究美股、港股、外汇等交易自动化的实现。 近年投资美股的人不断增多，通过网络开设美股账户成为非美国地区的公民的一种方便的方式。如何挑选一家合法合规的美股券商？您首先要了解FINRA 和 SIPC这两大美国金融监管机构。所有正规的美股券商都会是FINRA和SIPC这两大机构会员，券商官网下方会有如下文字：Member FINRA & SIPC，那他们会给您的美股账户带来什么保障呢？从监管机构到保护制度，下面做一一解答。 目前证券投资者保护制度已成为许多国家或地区证券市场体制中不可缺少的重要环节。总体来看，投资者赔偿基金的运作模式一般可分为两种：一种是独立模式，即成立独立的投资者赔偿(或保护)公司，由其负责投资者赔偿基金的日常运作，例如美国、英国、爱尔兰、德国等证券市场采用了这种模式；另一种是附属模式，即由证券交易所或证券商协会等自律性组织发起成立赔偿基金，并负责基金的日常运作，目前有加拿大、澳大利亚、香港、台湾、新加坡等市场采用了此种模式。美国金融业监管局（FINRA） 美国金融业监管局是一个行业自治组织 。金融业监管局制定管理证券交易商（broker-dealers）和某些其他专业人士的规则。 金融业监管局由全国证券交易商协会（NASD）和纽约证券交易所的执法部门合并而成立。 如证券交易所和证券投资者保护公司（Securities Investor Protection Corporation；SIPC）一样，金融业监管局受证券交易委员会监督。一般情况下， 金融业监管局制定的的规则需要得到SEC的批准。 美国金融业监管局是美国最大的独立非政府证券业自律监管机构，监管对象主要包括4400家经纪公司、16.3万家分公司和63万名注册证券代表。 美国金融业监管局（FINRA）成立的宗旨是保护所有在美国投资的个人，不论投资何种金融产品， 从贷款买房到投资公司，都能得到应有的权利保护和利益保障。其监管范围涵盖了证券业的方方面面，从注册和教育相关从业者和参与人员，制定相应的法规政策，执行相关的法律和约束，到普及教育参与投资的公众和提供交易报告（trade reporting）和其余相关行业设备。 金融业监管局给入行的个人及企业发放执照，制定他们的行为准则，检测评定他们对于法规的执行度，并在美证交会的监督下约束其下的企业及人员。 美国金融业监管局（FINRA）有权对触犯法律法规的企业和个人处以罚款，暂停执照或从行业中吊销。证券从业公司若没有受其他自我监管机构（SRO, Self-regulatory organization）监管，则需加入美国金融业监管局（FINRA）的组织，受金融业监管局（FINRA）的监管。 金融业监管局的另一大作用是投资者教育，FINRA采取媒体宣传和召开研讨会等多种形式，帮助投资者了解金融知识，熟悉基础的投资工具。此外，FINRA接手原“NASD投资者教育基金”，更名为“FINRA投资者教育基金”，资助投资者教育研发及培训项目。FINRA的官网为投资者提供了丰富的有关信息，帮助投资者明白投资、规避风险。美国金融业监管机构（FINRA）的官方网站：https://www.finra.org美国证券交易委员会（SEC） （United States Securities and Exchange Commission，缩写：SEC），常被称为证管会，是根据《1934年证券交易法》成立、直属美国联邦政府的独立机关、准司法机构，负责美国的证券监督和管理工作，为美国证券业最高主管机关。 美国证券交易委员会由五名委员组成，任何单一政党占有的席次不能多于三席。现今的主席由玛丽·沙皮诺担任，她是历史上第一位担任此职位的女性主席。其他四位委员由两位共和党人和两位民主党人担任。 证券交易委员会负责七部证券相关法律的执行工作。证券交易委员会行使由国会授予的权利。保证公共公司不存在财务欺诈，提供误导性的信息，内幕交易或者其他违反各项证券交易法的行为，否则将面临民事诉讼。美国证券投资者保护基金(SIPC) 所谓美国证券投资者保护基金(Securities Investor Protection Corporation，简称SIPC)是1970年，在美国国会的要求下成立的一个证券业的非营利性会员组织，它强制性要求所有符合美国《1934证券交易法》第15(b)条，依法注册的证券经纪商、自营商、全国性证券交易所的会员成为自己的会员，并按照经营毛利的5?交纳会费，以建立投资者保护基金。其成立的目的是为符合条件的证券经纪商和自营商的顾客提供保险保护，使这些顾客在其证券商因破产或陷入财政危机而失去偿付能力时能够得到赔偿。 建立SIPC的历史背景在于随着二战后经济发展和机构投资的迅速崛起，美国证券界由原来固定佣金制向浮动佣金制度变迁，佣金率的下降使大量券商的经营面临极大困境乃至于破产。为了保护投资者利益，1970年，美国国会制订了《证券投资者保护法案》(Securities Investor Protection Act)，并依据该法案建立了证券投资者保护基金，即SIPC。目的是在券商面临破产或倒闭的困境时，使投资者的利益依然能够得到有效保障。SIPC的存在基础 在美国，法律规定券商的财务核算要独立于客户，这样的核算原则为SIPC操作提供了基础和可能。独立的财务记录使得在券商破产时，SIPC对券商客户的保险赔偿可以依据记录进行。SIPC的基本架构 SIPC共有超过6790家的会员，SIPC的董事会由7位董事构成，其中5位董事经参议院批准由美国总统委任，在这5位董事中，3位来自证券行业，2位来自于社会公众。另外两位董事分别由美国财政部长以及联邦储备委员会指派，董事会的主席和副主席由总统从社会公众董事中任命。 SICP共有员工28位，担负了所有与会员清算、邀请受托人及其律师和会计师、检查索赔要求、审计财产分配等相关事宜。SIPC的基金来源及融资安排 目前美国所有在证券交易所注册的证券券商都必须加入SIPC，并缴纳营利毛利的一定比例作为会费，建立统一的基金，这些资金被用以投资美国政府债券，其利息也作为SIPC资金的一部分。之外，SIPC在银行还有高达10亿美元的融资额度，如有需要，SIPC亦可向美国财政部借调10亿美金资金。这就充分保证了券商的破产案发生时，SIPC能够调动足额的现金对投资者进行偿付。SIPC提供保护的投资者 SIPC所覆盖的投资者保护范围为：因证券券商周转不灵或结束营业变卖资产而造成的股票、政府债券、共同基金、票据、无抵押债券、股权、认股权证、期权、货币市场基金MMF和可转让存单CD的损失，但SIPC并不保障投资人因市场波动所遭受的损失。SIPC的保护规则 SIPC可以防止客户在一家陷入财务困境的SIPC成员经纪公司中持有的现金和证券（例如股票和债券）的损失。SIPC的保护限额为500,000美元，其中包括250,000美元的现金限额。当客户账户中的资产丢失时，失败的经纪公司的大多数客户都会受到保护。不要求客户居住在美国或成为美国公民。在SIPC成员经纪行中拥有帐户的非美国公民与在SIPC成员经纪行中拥有帐户的美国居民或公民一样。 SIPC保护是有限的。SIPC仅保护经纪商的托管功能，这意味着SIPC致力于在经纪公司清算开始时向客户恢复其账户中的证券和现金。 SIPC无法防止您的证券价值下跌。SIPC不保护出售无价股票和其他证券的个人。SIPC不会针对经纪人的不良投资建议或推荐不当投资而针对经纪人提出索赔。 重要的是要认识到，SIPC的保护与联邦储蓄保险公司（FDIC）受保银行机构对现金的保护不同，因为SIPC不能保护任何证券的价值。 股票市场的投资会受到市场价值波动的影响。创建SIPC并不是为了保护这些风险。因此，当其股票，债券和其他投资的价值因任何原因下跌时，SIPC不会为投资者提供救助。相反，在清算中，SIPC会在可能的情况下替换缺失的股票和其他证券。我的现金如何得到保护： SIPC保护经纪公司帐户中的现金免于出售或购买证券。与商品贸易有关的现金不受SIPC保护。货币市场共同基金，通常被认为是现金，被SIPC保护为证券。SIPC会保护经纪人为客户持有的与客户购买或出售证券有关的现金，无论该现金是美元还是以非美元货币计价。保护的介入时机： 若证券机构面临倒闭，SIPC通常要求联邦法院派员前去对该机构进行清算并保护其客户的利益。受SIPC保护的投资活动： 所有处于财务危机状态的经纪机构的客户，其现金、股票和债券都将受SIPC的保护。而商品期货合约、投资合约(比如有限合伙协定)等未按《1993证券法》在美国证券交易委员会注册的投资行为，则不受SIPC的保护。此外，不属于SIPC保护的投资者还有面临破产的证券机构一般合伙人、股东、董事或者高级职员等。如何进行帐户转移： 联邦法院的委派人员以及SIPC可以安排某些或者所有的客户帐户转移到另一家经纪商，被转移帐户的客户会被立即通知获悉，并且可以自由选择是否转移到其他的经纪商处。什么是证券： SIPC将股票，债券，国债，存款证，共同基金，货币市场共同基金和某些其他投资作为“证券”进行保护。SIPC不保护未在美国证券交易委员会下注册的商品期货合同（除非在特殊的投资组合保证金账户中持有），外汇交易，投资合同（例如有限合伙制）和固定年金合同。 案例： 自从1970年美国国会决定设立该机构直至2001年12月，期间SIPC共预付了5．12亿美元，为大约433200个投资者提供了保护。而2001年对于SIPC而言是极为忙碌的一年，在该年中SIPC受理了12个保护案，包含MJK破产案，它是SIPC所受理的历史上规模最大的破产案。就MJK公司的情况而言，其资产完好无缺，帐户资产在50万美元以下的客户，在大约一周之后便可恢复对自己帐户的支配权。 所以，一个美国境内合格的证券经纪商一定是SIPC的会员，投资大众在选择一个证券交易商时可以以SIPC作为选择的参考依据。 另外，很多券商还会为所有客户购买更高额度的保险，比如：盈透证券与伦敦劳埃德保险公司 (Lloyd's of London) 承销商协定的超SIPC赔额政策，单个证券账户还享有额外最高达3000万美元（现金额度90万美元）的保护，总限额为一亿五千万美元。（雪盈证券的客户也是属于盈透证券的客户，因此也同样享受这个保障，有疑问的可以致电盈透证券的上海客服咨询）联邦证券法联邦证券法在很大程度上是1930年代新政的一部分。 监管证券的联邦法律主要有五部：1933年《证券法》， 规范新证券的发行1934年《证券交易法》，规范交易证券，经纪人和交易所1939年《信托契约法》 ，规范债务证券1940年《投资公司法》，规范共同基金1940年《投资顾问法》，规范投资顾问1970年的《证券投资者保护法 》1984年的《内幕交易制裁法》1988年的《内幕交易和证券欺诈执法法》以及《多德-弗兰克法案》。1995年的《私人证券诉讼改革法》，2002年《萨班斯-奥克斯利法案》 2012年的《推动商务创业法案》（Jumpstart Our Business Startups Act，及其他各种联邦证券相关法律。2020美股港股开户十大券商最详细对比（有中文服务）-美港股券商优缺点横向对比发布于 2020-03-16 21:16美股入门美股交易美股赞同1 条评论分享喜欢收藏申请
深圳IPC国际校区
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SIPC SCHOOL
A sister school of Shenzhen International Foundation College 深圳国际预科学院的姊妹学校
SIPC adheres to the motto of integrating Chinese and Western culture and practicing what you preach, and it’s devoted to cultivating modern citizens who strike roots in China and face the world, have sound personalities and are eager to innovate.
秉承“融汇中西，坐言起行”的校训，矢志培养扎根中华、面向世界、人格健全、勇于创新的未来世界的公民
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Teaching Team师资团队
High quality teaching team 高质量的师资团队
Christopher King
Academic Principal 学术校长 The United Kingdom 英国
Plymouth University, UK - Post Graduate Certificate in Education (PGCE);Plymouth University, UK - PgDip (Diploma in Education & Training);Plymouth University,UK - BA (Hons) Education and Curriculum Design
普利茅斯大学教育学士，硕士毕业于普利茅斯大学教育；普利茅斯大学学位教师教育证书课程(PGCE)
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Jennifer Cui 崔添淇
Executive Principal 执行校长 China 中国
Master of Education
教育学硕士
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Stephanie Fan 范庭廷
Assistant Principal 助理校长 China 中国
Master of Developmental Psychology and Education, University of Toronto, and CELTA Qualification Certification, Canadian Mental Health Counseling Certification, Montessori training certification，Family Education Consultant (Senior), Certified Lecturer of "Replicable Communication Power of Fan Deng Reading", “Fandeng New Parent Family” Education Certified Teacher
获得多伦多大学发展心理学与教育硕士学位，拥有CELTA资格认证、加拿大心理健康咨询认证、蒙特梭利培训认证、 家庭教育咨询师（高级）、“樊登读书可复制的沟通力”认证讲师、“樊登新父母 家庭教育认证教师”
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Oscar Sinclair
Primary General Teacher 小学全科教师 The United Kingdom 英国
Bachelor of Computer Science, University of Central Lancashire
获得中兰开夏大学计算机学士学位
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Anne Zhong 钟翠芸
Primary School Teacher /Coordinator 小学教师 /协调员 China 中国
M.A. in Linguistics, Jinan University;Senior High School Chinese Teacher Certificate;Kindergarten Principal License.
获得暨南大学语言学硕士学位，拥有高级中学语文教师资格证，幼儿园园长任职资格
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Joyce Gao 高瑶莹
Primary School Teacher 小学教师 Homeroom teacher leader 中方班主任协调员 China 中国
M.A. in Chinese International Education, South China Normal University, and Senior High School English Teacher Certificate, Expatriate Teacher Certificate from Guangdong Overseas Chinese Office，PBL Lecturer, Certifcate from Beijing Normal University
获得华南师范大学汉语国际教育硕士，拥有高级中学英语教师资格证、广东省侨办外派教师资格证、北师大PBL认证讲师
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Joseph Blouin
Primary General Teacher 小学全科教师 America 美国
Bachelor in Fundamentals and Methodology of Education, United States Institute of Language and Clerical Studies; Minor in Primary School Education
美国语言与文职学院基础教育与教育方法学士，辅修小学教育
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Ryan Howard BROWN
Primary General Teacher 小学全科教师 The United States of America 美国
B.A. in Political Science, Minor in History, Howard University, Washington, D.C；MAC-CAE Scholar, American Institute for Indian Studies, Jaipur, India 美国华盛顿特区霍华德大学，政治学学士，辅修历史；美国印度研究所MAC-CAE学者
Selected by the Mid-Atlantic Consortium-Center for Academic Excellence to represent Howard University to increase HBCU participation abroad
因学术卓越入选中大西洋联盟中心，代表霍华德大学参与并提高HBCU的海外知名度
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School Life 校园生活
Recreational and Educational Clubs and Societies寓教于乐的社团活动
SIPC Development 学生成长
SIPC believes that education requires distilling effort, and we encourage our students to learn through exploration. SIPC inherits the tradition of rigorous scholarship and inspires innovationSIPC坚信教育是“慢”的艺术，我们鼓励孩子从知识出发去探索，再从犯丰富多彩的外出研学中实现知行合一，提升学业，改善行为，臻于完善
SIPC Life 校园活动
SIPC personalizes teaching and learning to nuture every student’s potential through supporting the development of active and creative minds, inspiring students to discover their passions, talents and academic abilitiesSIPC 个性化教学和学习, 鼓励孩子们发展学习之外的兴趣特长，发现并培养每位学生的潜能inspire students to discover their passions, talents and other characteristic through all-round development在国庆共襄华诞、古灵精怪鬼马万圣节和才艺等丰富校园活动中，全方位帮助学生找到自己的爱好和才能，锻炼自己全方位能力
SIPC Community 家校联结
SIPC emphasizes on community building, We care for the overall development of our faculty and staff, and we understand that great education requires excellent teachers and supportive families. SIPC 深知培养一位孩子，需要家庭和学校的通力合作。我们的师资团队拥有高度专业的水平和教育情怀, 我们的家校互动搭建高质教育平台，为孩子的未来保驾护航
SIPC Campus 校园环境
SIPC is adjacent to Xili University Town and Dasha River, with unique geographical location, beautiful environment and rich cultural atmosphere. The warm and comfortable campus environment, combined with the supporting facilities in the university town, provides the students with the high-quality resourcesSIPC毗邻西丽大学城，紧靠大沙河畔，地理位置得天独厚，环境优美，人文气息浓郁。温馨舒适的校园环境，与大学城完善的配套设施相结合，为学生提供近在咫尺的国际教育资源。
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深圳IPC国际校区
地点：深圳市南山区丽山路157号
邮编：518000
电话：+86(0) 755 8671 5450
邮箱：sipc@sipcschool.com
COPYRIGHT (©) 2024 深圳IPC国际校区. 粤ICP备19093084号扫描二维码分享到微信
SIPC（中国石化集团国际石油勘探开发公司）_百度百科
（中国石化集团国际石油勘探开发公司）_百度百科 网页新闻贴吧知道网盘图片视频地图文库资讯采购百科百度首页登录注册进入词条全站搜索帮助首页秒懂百科特色百科知识专题加入百科百科团队权威合作下载百科APP个人中心SIPC是一个多义词，请在下列义项上选择浏览（共2个义项）添加义项收藏查看我的收藏0有用+10SIPC播报讨论上传视频中国石化集团国际石油勘探开发公司中国石化集团国际石油勘探开发公司(Sinopec International Petroleum Exploration and Production Corporation ，以下简称“国际勘探开发公司”)是中国石化集团(Sinopec Group)的全资子公司，代表中国石化集团统一对外进行上游油气合作，是中国石化集团海外油气勘探开发投资与经营作业一体化的战略经营单位，是中国石化集团从事上游海外投资经营的唯一专业化公司。国际勘探开发公司成立于2001年1月，总部设在北京，实行两级管理模式，总部为投资决策和生产经营管理中心，大区公司作为总部派出机构，代表总部行使监督管理和协调服务职能，国家公司为执行中心。中文名中国石化集团国际石油勘探开发公司外文名Sinopec International Petroleum Exploration and Production Corporation简 称国际勘探开发公司性 质全资子公司目录1国际勘探开发有限公司2证券投资者保护公司3苏州工业园区海关国际勘探开发有限公司播报编辑SIPC企业核心理念：本着“和谐共进、追求卓越”的精神，“奉献能源、创造幸福”的宗旨，“精细严谨、务实创新”的作风，“诚信规范、合作共赢”的理念，把国际勘探开发公司建设成为具有较强国际竞争力的跨国石油公司。主营业务包括：石油天然气勘探开发、生产、销售、储运领域的投资；石油炼制、石油及天然气(含液化天然气)化工产品生产、销售、储运领域的投资；石油、天然气伴生矿产资源的综合利用；进出口业务；对外经济贸易咨询服务及技术交流。HSE管理：按照“安全第一，预防为主；全员动员，综合治理；改善环境，保护健康；科学管理，持续发展”的方针和“最低合理、实际可行”的原则，遵守所在国家和地区的法律、法规，尊重当地风俗习惯和宗教信仰，按照国际标准进行危害识别和评估，尽可能降低作业中的健康、安全与环境危害，努力追求“零事故、零伤害和零环境损害”。合作与交流：坚持互利共赢的原则，与国内外同行结成战略联盟，与世界油气资源国、石油公司、金融界建立合作伙伴关系，广泛开展技术交流和项目合作，共谋发展，互利共赢。近年来，国际勘探开发公司按照中国石化集团部署，围绕国际化战略和资源战略，海外油气勘探开发业务发展迅速，油气储量和权益油产量增长较快，2009年获得海外权益石油产量达到了1279万吨，累计获得权益油产量3500余万吨。国际勘探开发公司总部设有17个职能部门，在海外设有多个分支机构，中外员工总数达到了3400余人。国际勘探开发公司继续以科学发展观为指导，坚持友好、诚信和互利双赢的原则，加大国际油气资源合作力度，不失时机地寻求海外油气领域投资机会，加强海外油气勘探开发，努力实现海外业务的持续、快速、健康发展，为中国石化建设具有较强国际竞争力的跨国能源化工公司作贡献。SIPC(2张)证券投资者保护公司播报编辑SIPC，“Securities Investor Protection Corporation”的简称，中文可以译作“证券投资者保护公司”。美国国会建立的非盈利公司，用来在证券经纪商陷入破产危机时，对经纪商的客户进行保护。SIPC的会员包括所有的依据美国1934证券交易法案注册的经纪商和交易商，所有证券交易所的会员和几乎所有的NASD会员。SIPC对每个客户在经纪商处开设的帐户的保护金额达到$500,000（其中对帐户内现金的保护为$100,000）。苏州工业园区海关播报编辑(Suzhou Industrial Park Customs )，于1995年4月筹建， 1999年正式建关，是南京海关下属的副厅级隶属海关，业务管辖范围为苏州工业园区。新手上路成长任务编辑入门编辑规则本人编辑我有疑问内容质疑在线客服官方贴吧意见反馈投诉建议举报不良信息未通过词条申诉投诉侵权信息封禁查询与解封©2024 Baidu 使用百度前必读 | 百科协议 | 隐私政策 | 百度百科合作平台 | 京ICP证030173号 京公网安备110000020000SIPC - What SIPC Protects
SIPC - What SIPC Protects
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About SIPC
Who We Are
We are a non-profit corporation that has been protecting investors for 50 years. We work to restore investors’ cash and securities when their brokerage firm fails. SIPC has recovered billions of dollars for investors.
Mission
SIPC works to restore investors’ assets when a brokerage firm fails financially.
History and Track Record
SIPC has restored billions of dollars for investors.
Leadership
Our job is to recover missing assets if your brokerage firm fails financially.
The SIPC Logo
The SIPC logo means your assets are protected under the Securities Investor Protection Act (SIPA).
The SIPC Fund
SIPC maintains resources from which we can draw to restore customer assets.
Statute and Rules
SIPC is a non-profit corporation created by Congress some 50 years ago.
SIPC Annual Report
The year in review.
Brochures
Download or view SIPC brochures here.
Cases & Claims
Cases & Claims
Find claim forms and deadlines for open cases here.SIPC has restored billions of dollars for investors.
Filing Deadlines
When you file matters. Filing deadlines explained.
How To File a Claim
Claim FAQs
All Open Cases
Cases that are still being processed.
How a Liquidation Works
Steps SIPC takes to recover customer assets when a brokerage firm fails financially.
How The Claims Process Works
What happens when you file a claim.
For Investors
How We Protect You
SIPC has recovered billions of dollars for investors. Our job is to recover missing cash or securities if your brokerage firm has gone out of business. SIPC has issued Investor Bulletins explaining SIPC’s protection and claims process. Click here for Part I ("SIPC Basics"). Click here for Part II ("Filing a SIPC Claim").
What is SIPC?
Click here for a brief introduction
How SIPC Protects You
First 50 years of protection
When SIPC Gets Involved
SIPC steps in when a brokerage firm fails financially, and assets are missing from customer accounts.
What SIPC Protects
SIPC protects customer assets when a SIPC-member brokerage firm fails financially.
Investors with Multiple Accounts
Understand how SIPC protection works if you have multiple accounts.
Investor FAQs
Find answers to your questions.
Fraud Alerts
See our latest fraud alerts to protect yourself.
Protecting Yourself Against Fraud
Steps you can take to protect yourself from fraud.
SIPC Annual Report
The year in review.
Brochures
Download or view SIPC brochures here.
For Member Firms
For Member Firms
SIPC member brokerage firms can find information here about filing requirements, the SIPC assessment, and the SIPC logo.
Member Information
Guidelines and tools for SIPC member brokerage firms.
Assessment Rate
Member FAQs
SIPC Logo Rules
Order Brochures, Signs, and Decals
Fraud Alerts
See our latest fraud alerts to protect yourself.
Portal Information
Information about the SIPC Broker-Dealer Portal.
Portal Webinar
Watch a webinar about the SIPC Broker-Dealer Portal.
Member Filing Requirements
Questions about filing requirements? Call the membership department at (202) 371-8300 or email form@sipc.org.
How To File Your Assessment Forms (SIPC-6/SIPC-7)
How to File Your Annual Report
How To File Your Agreed-Upon Procedures (AUP) Report
How To File Your Form SIPC-3
Portal Information
Information about the SIPC broker-dealer portal.
Portal Introduction
Portal FAQs
Portal Administrator Delegation
How To File Portal Forms
SIPC Broker-Dealer Portal
Pay Your Assessment
News & Media
News & Media
News releases, brochures, reports, and more.
News Releases
Speeches and Testimony
Brochures
Annual Reports
In the Media
Media Contact
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List Of Members
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What SIPC Protects
SIPC protects against the loss of cash and securities – such as stocks and bonds – held by a customer at a financially-troubled SIPC-member brokerage firm. The limit of SIPC protection is $500,000, which includes a $250,000 limit for cash. Most customers of failed brokerage firms are protected when assets are missing from customer accounts. There is no requirement that a customer reside in or be a citizen of the United States. A non-U.S. citizen with an account at a brokerage firm that is a member of SIPC is treated the same as a resident or citizen of the United States with an account at a SIPC member brokerage firm.
SIPC protection is limited. SIPC only protects the custody function of the broker dealer, which means that SIPC works to restore to customers their securities and cash that are in their accounts when the brokerage firm liquidation begins.
SIPC does not protect against the decline in value of your securities. SIPC does not protect individuals who are sold worthless stocks and other securities. SIPC does not protect against losses due to a broker's bad investment advice, or for recommending inappropriate investments.
It is important to recognize that SIPC protection is not the same as protection for your cash at a Federal Deposit Insurance Corporation (FDIC) insured banking institution because SIPC does not protect the value of any security.
Investments in the stock market are subject to fluctuations in market value. SIPC was not created to protect these risks. That is why SIPC does not bail out investors when the value of their stocks, bonds and other investment falls for any reason. Instead, in a liquidation, SIPC replaces the missing stocks and other securities when it is possible to do so.
How Is My Cash Protected
SIPC protects cash in a brokerage firm account from the sale of or for the purchase of securities. Cash held in connection with a commodities trade is not protected by SIPC. Money market mutual funds, often thought of as cash, are protected as securities by SIPC. SIPC protects cash held by the broker for customers in connection with the customers’ purchase or sale of securities whether the cash is in U.S. dollars or denominated in non-U.S. dollar currency.
What Are Securities
SIPC protects stocks, bonds, Treasury securities, certificates of deposit, mutual funds, money market mutual funds and certain other investments as "securities."
SIPC does not protect commodity futures contracts (unless held in a special portfolio margining account), or foreign exchange trades, or
investment contracts (such as limited partnerships) and fixed annuity contracts that are not registered with the U.S. Securities and Exchange Commission
under the Securities Act of 1933.
For a more detailed explanation, consult the definition of “security” in the Securities Investor Protection Act, section 78lll(14):
The term “Security” means any
note,
stock,
treasury stock,
bond,
debenture,
evidence of indebtedness,
any collateral trust certificate, preorganization certificate or subscription,
transferable share,
voting trust certificate,
certificate of deposit
certificate of deposit for a security, or
any security future as that term is defined in section 78c(a)(55)(A) of this title,
any investment contract or certificate of interest or participation in any profit-sharing agreement or in any oil, gas, or mineral royalty or lease (if such investment contract or interest is the subject of a registration statement with the Commission pursuant to the provisions of the Securities Act of 1933 [15 U.S.C. 77a et seq.]),
any put, call, straddle, option, or privilege on any security, or group or index of securities (including any interest therein or based on the value thereof), or
any put, call, straddle, option, or privilege entered into on a national securities exchange relating to foreign currency,
any certificate of interest or participation in, temporary or interim certificate for, receipt for, guarantee of, or warrant or right to subscribe to or purchase or sell any of the foregoing, and
any other instrument commonly known as a security.
Except as specifically provided above, the term “security” does not include any
currency, or
any commodity or related contract or futures contract, or
any warrant or right to subscribe to or purchase or sell any of the foregoing.
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Securities Investor
Protection Corporation
1667 K St. N.W., Suite 1000
Washington, D.C. 20006-1620
Telephone: (202) 371-8300
Fax: (202) 223-1679
Email: asksipc@sipc.org
华人投资美股的话资金安全吗？关于SIPC（美国证券投资者保护公司）的一些信息 - 知乎
华人投资美股的话资金安全吗？关于SIPC（美国证券投资者保护公司）的一些信息 - 知乎首发于全球网络券商大全 - 盈透证券切换模式写文章登录/注册华人投资美股的话资金安全吗？关于SIPC（美国证券投资者保护公司）的一些信息YingTouIB盈透用户，港股，美股首先给出结论：华人投资美股，开户的话应该只选择由SIPC（美国证券投资者保护公司）承保的美国本土网络券商（通过美国以外的券商，例如香港券商买卖美股，实际上并不一定覆盖在SIPC保险范围内，因此你的资金也就不一定安全），这样你的资金安全才有保障！拥有股份有很多方法。大多数普通的美股投资者都是通过开立网上股票交易账户里来拥有自己的股票、债券、公积金和其他金融资产。这样做的结果是，你的美股券商在理论上代表客户（也就是你）持有股票。当一个券商破产时，如果没有美国证券投资者保护公司（SIPC）的承保，客户将失去所有资产。另外，投资人的股票凭证有丢失的风险，而且给股票持有人带来需要登记与存放在保险箱、在销售时取回和重新登记给新主人等诸多麻烦。了解到这一点，美国政府于1970年通过证券投资者保护法案（SIPA），创建了美国证券投资人保护公司（简写为SIPC）。它不是一个隶属于美国联邦政府的机构，而是一个委员机构，参与其中的每个金融机构成员都是其支付系统的组成部分。美国证券投资者保护基金SIPC，是1970年在美国国会的要求下成立的一个证券业的非营利性会员组织，当时美国国会制定了《证券投资者保护法案》(Securities Investor Protection Act)，并依据该法案建立了证券投资者保护基金（即SIPC），目的是在券商面临破产或倒闭的困境时，使投资者的利益依然能够得到有效的保障。该法案强制性要求所有符合美国《1934年证券交易法》第15（b）条，依法注册的证券经纪商、自营商、全国性证券交易所的会员成为SIPC的会员，并按照经营毛利的5‰交纳会费,以建立投资者保护基金。其成立的目的是为符合条件的证券经纪商和自营商的顾客提供保险保护，使这些顾客在其证券商因破产或陷入财政危机而失去偿付能力时能得到赔偿。中国投资人普通担心的问题：如果我开户的美股网上券商破产，如何保证我的股票和资金安全呢？SIPC不是防止投资者免受投资损失。它所做的只是，如果投资者的经纪人或金融机构破产，向他们补偿其经纪账户里的大部分投资财产。仅此而已。如果你拥有通用电气破产之前的500支股票，那么在SIPC员工解决了该破产问题之后，你将能得到另一个你所选择的机构新的经纪账户下的500支通用电气股票，就这么简单。与此同时，通用电气时而繁荣时而低迷，或者它可能无果而终宣告破产，其股票变得一文不值，这类风险，SIPC是不会提供任何保障的（由于股价下跌或公司破产所造成的损失，世界上应该没有哪个国家的投资者保护机构会提供补偿的）。了解SIPC不承保哪些人很重要。据官方网站，“SIPC不承保出售一文不值的股票和其它证券的个人。SIPC帮助那些资金、股票和其他证券被经纪人偷走或经纪公司因故破产时被置于危险境地的个人。”他们还说了下面的内容：SIPC何时参与承保。当一个经纪公司破产，但是仍亏欠客户在其账户中丢失的现金和证券，SIPC通常请求联邦法院指派受托人清算该公司并保护其客户。针对较小的经纪公司破产亏，SIPC有时直接与客户处理该事件。符合SIPC帮助资格的投资者。当经济公司破产，资产从客户帐户流失时，SIPC帮助其大多数客户。受SIPC保护的投资。客户持有的陷入财务困境的经纪公司的现金和证券（如股票和债券）都受到SIPC保护。无SIPC保护资格的投资有商品期货合约、货币、以及没有在1933年证券法案下注册于美国证券交易委员会的投资合约（如有限责任合伙公司）。SIPC的保障金额有多少？一个破产美股经纪公司的客户拿回所有已经被注册或在过程中注册在他们的名下的证券（如股票和债券）。接下来，该公司的剩余客户资产将按比例和共享基金一起分成与索赔相称的部分。如果在该公司的客户帐户上没有足够的资金来满足这些限制内的赔偿，SIPC的储备基金就用来补充差额，最赔偿金高达50万美元/客户，包括最高25万美元的现金索赔（帐户中的货币市场基金会被视为证券），英文原文为：SIPC protects the accounts of customers, up to $500,000 for securities and cash (including a $250,000 limit for cash only)。把清算经纪公司的成本考虑在内，额外资金可以用于满足客户投诉后的剩余部分。很多国内美股投资者一直有个疑问，那就是SIPC是否保护非美国国籍的投资者，答案是肯定的，具体可看SIPC官网上的说明：There is no requirement that a customer reside in or be a citizen of the United States. A non-U.S. citizen with an account at a brokerage firm that is a member of SIPC is treated the same as a resident or citizen of the United States with an account at a brokerage firm that is a member of SIPC.（来自于该页面：What SIPC Protects）简要翻译：没有规定说该理赔客户必须住在美国或是美国公民。非美客户在SIPC保险成员经纪商开户和美国居民在SIPC成员经纪商开户和理赔时享受同等对待。如何进行转账。在一家有准确记录的破产经纪公司，法庭指定的受托人及SIPC可能安排一些或所有客户帐户转移到另一个经纪公司。客户的帐户被转移将得到及时通知，然后可以选择留在新公司或移动到另一个自己选择的经纪公司。如何评估赔偿。通常，当SIPC要求法院把陷入困境的经纪公司进行清算时，客户帐户的金融价值按照 “申请日期”计算。只要有可能，客户所拥有的实体股票和其它证券将返回本人。为了实现这个目标，在必要时将使用SIPC的储备基金在自由市场购买替代证券（如股票）。市场一直变化的可能性或破产经纪公司（或其他地方）的欺诈会导致返回的证券部分丢失，甚至全部丢失其价值。在其他情况下，这些证券的价值可能有所增加。如果你的美股券商破产，多久才能从SIPC那拿回属于自己的财产？SIPC还说，“大多数客户能够在一到三个月内拿到他们的财产。当破产经纪公司有准确记录时，受托人收到完整的客户索赔表单后不久，一些证券和现金就能交付给客户；如果受托人可以将客户帐户转移到另一个经纪公司，交付时间甚至更早。当破产经纪公司的记录是不准确的，那么通常出现延迟几个月的情况。当陷入困境的经纪公司或其负责人参与了欺诈时，也常常会出现延迟。”更多相关知识：美国投资者保护情况介绍本文通过介绍美国“证券投资者保护公司”的基本情况，概览美国在实施投资者保护方面的具体做法。一、“证券投资者保护公司”简介1、成立背景证券投资者保护公司（SIPC）起源于1968-1970年间纽约交易所的“定单拖欠危机”，由于没有预料到对股票的需求量巨大，经纪商无法处理大批定单，给投资者造成相当大的损失。大批经纪商因而被兼并、收购或者被迫停止营业，甚至倒闭。证券市场的公众信誉岌岌可危。此时，美国国会迅速行动，通过了《1970证券投资者保护法》，目的在于对由于经纪商危机而给投资者造成的损失提供一定程度的保护，并且因此重新燃起投资者对美国证券市场的信心。在此基础上，创立了一个非赢利性的政府机构——证券投资者保护公司，来保护投资者，使其免遭因经纪公司破产而造成的损失。2、组织结构证券投资者保护公司是一个非赢利性的会员制公司，其会员为所有符合美国《1934证券交易法》第15（b）条的证券经纪商和自营商。截止2000年12月31日，SIPC共有7033家会员。SIPC的董事会由7位董事构成。其中5位董事经参议院批准由美国总统委任，在这5位董事中，3位来自证券行业，2位来自于社会公众。另外两位董事分别由美国财政部长以及联邦储备委员会指派。董事会的主席和副主席由总统从社会公众董事中任命。SICP共有员工28位，担负了所有与会员清算、邀请受托人及其律师和会计师、检查索赔要求、审计财产分配等有关的事宜。3、资金来源SIPC基金由会员摊派而来，这些资金被用以投资美国政府债券，其利息也作为SIPC资金的一部分。作为赔偿基金的补充，SIPC还从银行财团获得了一种周转信贷额度。除此之外，如果有必要，证券交易委员会（SEC）有权向美国财政部申请额度高达10亿美元的借款，然后再出借给SIPC，用以急需。至2000年底，SIPC的基金额度高达12.2亿美元，比上年底增加了9000万美元。二、“证券投资者保护公司”的作用“证券投资者保护公司”是美国整个投资者保护体系的一个重要组成部分。尽管有许多各种性质的处理投资欺诈行为的机构——联邦范围的、自律性的、州属的，但SIPC与这些机构不同，其关注的范围更狭窄些，它主要针对当金融经纪商或自营商面临破产或者财务危机时，用公司基金给有关投资者以补偿。“证券投资者保护公司”未被国会授予其反对欺诈的权利。当一家经纪商由于破产或其他财务困难而倒闭时，SIPC会在一定期限内尽快履行归还投资者储存于该经纪商的现金、股票或者其他证券。没有SIPC，这些与处于倒闭状态的经纪商有关的投资者将可能永远损失掉其证券或者货币，或者需等待数年时间以寻求法律上的解决。99%以上的适合资格的投资者从“证券投资者保护公司”获得了投资回报。自从1970年国会通过其设立，至2000年12月，SIPC共预付了3.91亿美元用以补偿大约443000投资者的38亿美元的资产。就目前的情况，每位客户的最高获配上限为50万美元，其中现金额最多为10万美元。“证券投资者保护公司”成了投资者面临经纪商破产事件时的第一道防线。三、“证券投资者保护公司”的服务范围证券投资者保护公司与联邦储备保险公司不同，后者为银行储蓄者提供一揽子式保护，而前者不是。当一家会员银行面临破产时，联邦储备保险公司会保证所有有关储蓄者的损失小于一个确定的水平。多数储蓄者将钱存放在经过FDIC保险的银行的帐户上，原因就是由于他们承担不起货币损失的风险。这点与股票市场上“风险与回报共存”的投资者行为恰好相反。在股票市场上，由于市场价格起伏不定，因而在这种受风险驱动的投资领域里，投资者头寸的损失是经常发生的事情。这便是为什么在股市萧条期间，面对投资者的资产（股票、债券等）跌水，SIPC并不向投资者支付任何货币赔偿的原因所在。SIPC通常将对破产机构的所有投资者提供相关保护。不过，SIPC的服务范围不包括当个人投资者持有的股票或其他证券毫无价值时的情形。但是，SIPC会帮助其股票或其他证券被经纪商偷窃或置于经纪商破产的风险之下的个人投资者。另外，如果破产机构的顾客同时又是以下类型之一者，其索赔要求将不属于SIPC基金的保护范围：Ø 该机构的一般合伙人、董事或者高级职员；Ø 持有该机构任何类型证券达5%或以上的优先股东。（持有某些不可转换的优先股票的股东除外）；Ø 占该机构净资产（或净利润）份额5%或以上的有限合伙人；Ø 对该机构的管理和政策具有控制影响力的人；Ø 为了自身业务运营而非为了其客户的证券商、经纪人、银行。四、“证券投资者保护公司”的运作模式只有准确理解有关规则才能有效地保护自己的财产。美国证券投资者保护公司为投资者提供保护的规则如下。① 当一家经纪机构面临倒闭时，SIPC通常要求联邦法院派员前去对该机构进行清算并保护其客户的利益。② 受SIPC保护的投资活动所有处于财务危机状态的经纪机构的客户，其现金、股票和债券都将受SIPC的保护。而商品期货合约、投资合约（比如有限合伙协议）等未按《1993证券法》在美国证券交易委员会注册的投资行为，不受SIPC的保护。③ SIPC的帮助项目面临破产机构的客户将索回所有已经以其名义登记或正在以其名义登记的证券（比如股票和债券）。其后，该机构剩余的客户资产会以客户的索取规模为基础进行按比例分割，如果机构的客户帐户上仍没有足够基金用以满足客户的索赔要求，SIPC将动用储备基金来补充分配的不足，包括最大现金额25万美元在内，每位客户最多可获得50万美元。④ 如何进行帐户转移联邦法院的委派人员以及SIPC可以安排某些或者所有的客户帐户转移到另一家经纪商，被转移帐户的客户会被立即通知获悉，并且可以自由选择是否转移到其他的经纪商处。⑤ 如何估价索赔要求典型的做法是，当SIPC请求法院对某一经纪商进行清算时，有关客户帐户的财务价值按索赔要求的“提出日期”进行计算。无论如何，客户所拥有的证券是要得到补偿的。为此目的，若有必要，SIPC会动用其储备基金，从市场上购买替代证券来赔偿投资者。由于市场的变化莫测以及破产经纪商等的欺诈，投资者获得的证券经常会变得跌值，有时甚至一无所值。但也有所获证券的价值增加的情形。发布于 2021-03-25 15:00美股入门美股赞同添加评论分享喜欢收藏申请转载文章被以下专栏收录全球网络券商大全 - 盈透证券主要介绍合规、靠谱的美股、港
Securities Investor Protection Corporation (SIPC): Overview
Securities Investor Protection Corporation (SIPC): Overview
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Securities Investor Protection Corporation (SIPC): Overview
By
Will Kenton
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Will Kenton is an expert on the economy and investing laws and regulations. He previously held senior editorial roles at Investopedia and Kapitall Wire and holds a MA in Economics from The New School for Social Research and Doctor of Philosophy in English literature from NYU.
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Updated April 29, 2022
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Charles Potters
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What Is the Securities Investor Protection Corporation (SIPC)?
The Securities Investor Protection Corporation (SIPC) is a nonprofit corporation created by an act of Congress to protect the clients of brokerage firms that are forced into bankruptcy.
SIPC members include all brokers and dealers registered under the Securities Exchange Act of 1934, all members of securities exchanges, and most National Association of Securities Dealers (NASD) members. SIPC coverage protects members in the event the firm fails.
Key Takeaways
The Securities Investor Protection Corporation (SIPC) is a nonprofit corporation created by an act of Congress to protect the clients of brokerage firms that are forced into bankruptcy.SIPC members include all brokers and dealers registered under the Securities Exchange Act of 1934, all members of securities exchanges, and most NASD members. The SIPC is an insurance that provides brokerage customers up to $500,000 coverage for cash and securities held by the firm (although coverage of cash is limited to $250,000).
Understanding the Securities Investor Protection Corporation (SIPC)
Authorized and created under the Securities Investor Protection Act of 1970, the SIPC oversees the liquidation of broker-dealers who go bankrupt, lapse into financial trouble, or if the assets of their customers go missing. The intent of the SIPC is to return the customers’ securities and funds to them as quickly as possible.
The focus of the SIPC is getting assets returned from bankrupt or financially troubled firms. The SIPC does not investigate fraud or securities crimes. It is not an agency, nor is it part of the United States government. Essentially, it is an insurance that provides brokerage customers up to $500,000 coverage for cash and securities held by the firm, with a limit of up to $250,000 for cash.
From its creation by Congress in 1970 through December 2020, the SIPC has helped to recover $141.8 billion in assets for an estimated 773,000 investors.
The SIPC Fund was established with the corporation to cover its expenditures. The fund comes from members and interest from U.S. government securities that the SIPC purchased. The corporation also maintains a $2.5 billion line of credit with the U.S. Treasury.
Member firms of the SIPC must seek the corporation’s approval before entering into insolvency or bankruptcy proceedings.
Special Considerations
When dealing with liquidation, customer status will be determined by the SIPC in relation to the filing date for the proceedings. If an individual acted with cash or securities with the firm that is being liquidated after the filing date of the liquidation, they might still be classified as a customer. The determinant is whether their actions would have classified them as a customer had they taken place before the filing date.
The trustee of the liquidation must also be satisfied that the actions of the individual were taken in good faith in advance of the filing date. The day the customer took this action will be considered as the filing date to determine the net equity that is due to the customer.
When the trustee in the liquidation is distributing securities to affected customers, the securities will be valued based on the close of business on the filing date.
Article Sources
Investopedia requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our
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SIPC. "What SIPC Protects." Accessed July 14, 2021.
SIPC. "History and Track Record." Accessed July 14, 2021.
SIPC. "The SIPC Fund." Accessed July 14, 2021.
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