自从金融危机后,银行倒闭成为常态,“存款保险”这个概念也渐入普通百姓的视野。2016年6月6日邮政储蓄la banque postale寄来上个月对账单的同时附了一封信,对“存款保险”做了详细说明。

共10点


一:邮政储蓄la banque postale的“存款保险”投保公司为:Fond de garantie des dépôts et de résolution(FGDR)

二:最高赔付额: 10万欧元 / 自然人(公司) / 银行 (中国存款保险赔付额为50万人民币,以2016年6月29日汇率计算为67 842.61欧元)
      例:某人在某家银行的储蓄账户中有9万欧,活期有2万欧。则他领到的赔付额为10万欧。(储蓄账户指除livret A ;LDD ;LEP之外的可生息账户。法国的活期账户不但没有利息,还要缴纳账户管理费。)

三:如果在同一家银行拥有多个账户:多个账户余额汇总后最高赔付10万欧。

四:联合账户:
      首先将“联合账户”的余额按照拥有人的数目进行平均分配。然后与此人在此银行拥有的其他账户余额汇总,此人在此银行的最高赔付额为10万欧

五:特殊情况
      1, 如在联合账户的合同条款里注明了分配比例,则按照分配比例分配,而不是平均分配。
      2, 公司账户余额按照股份额进行分配;个人公司(EIRL:Entrepreneur Individuel a Responsabilité Limite)账户中的余额视作个人账户处理。
      3, Livret A ,LDD,LEP等3个账户不计入10万的最高赔付额里,而是另行计算。
          例:某人在livret A,LDD中一共拥有余额3万欧;在活期中拥有余额9万欧,则他可以拿到的赔偿金为12万欧
      4, 为居住目的购买房屋的前期款:详见 网站说明

六:银行倒闭后的赔付时限:7天(2016年6月1日起施行)
      如遇以下情况此期限可延长:需要特殊操作;需补充材料;需验证存款人身份。
      赔付款支付方式由保险公司选择:或通过带回执挂号信用支票支付;或通过银行转账支付

七:赔付币种:欧元

八:联系方式:Fonds de garantie des depots et de resolution(FGDR)
                     65,rue de la Victoire—75009 paris
                     Tel : 01 58 18 38 08
                     Courriel :该Email地址已收到反垃圾邮件插件保护。要显示它您需要在浏览器中启用JavaScript。

九:更多信息查询:http://www.garantiedesdepots.fr/

十:储户确认收讫:此信息以储户的签字为准确认收到。如2016年1月邮政储蓄发布该条款后2月内未获得储户签字,则自动默认为储户收到。

重要提示:一般情况下,所有个人储户或公司储户都在FGDR的保护下。有些个别未投保的产品均在FGDR网站上详细列出。
               储户所在银行会在储户的要求下提供产品是否投保的信息。如果产品投保,银行需每年至少一次随银行对账单通知其储户“存款保险”的相关信息。


学习完后我的总结和问题如下
1,livret A ;LDD ;LEP:是三个法国的生息账户,每个人只能开设一个,其利息免交社会分摊金和个人所得税。因为是免税账户,为了防止民众占太多便宜,所以万税之国—法国对这三个账户的存款都规定了上限。截止到2016年6月28日,三个账户的存款上限为
      Livret A : 2 2950欧,年息0.75
      LDD(Livret de Développement Durable) : 1.2万欧,年息0.75
      LEP (Livret d'épargne populaire (LEP) : 7 700欧,年息1.25%
      累计每人为:4 2650欧
存钱的时候先把这三个有利息,又免税的账户存满,再考虑其他账户。

2,除去这3个账户以外,每家银行的存款不要超过10万欧元。其实,我现在的主要工作应该放在怎么赚到10万欧元。

3,如果欧盟解体(刚刚过去的英国脱欧公投表明这不是杞人忧天),欧元就会消亡。那么赔付用欧元支付,这钱不是变废纸吗?

以上均为博主自行翻译,法语水平有限,如有理解错误希望给我留言指出,以免误导大家。


本文由巴黎宝石花原创,欢迎分享此文,转载请保留出处!

相关文章:
6月21日起的银行(ING DIRECT)新规
法国的货币基金收益
法国公司开设一个银行账户的维持成本
CA银行关户小记

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