예금자 보호법 해당없는 은행Deposits that are not returned by financial institutions can be refunded up to 50,000 won through the Depositor Protection Act. However, it does not apply to banks such as post offices. Today, we will have time to find out which banks are not subject to the Depositor Protection Act.
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1. Depositor Protection Act (subject to protection)
2. Banks not subject to the Depositor Protection Act
First, it is subject to the protection of the Depositor Protection Act. Financial institutions subject to protection are banks and investment traders. There are investment brokers, merchant banks, and mutual savings banks, and each institution is guaranteed up to 50 million won.
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For example, Kookmin Bank, Nonghyup Bank, Shinhan Bank, Woori Bank, Hana Bank, K Bank Bank, Toss Bank, Kakao Bank (Korea Kakao Bank) Bank / NH Investment & Securities, Kyobo Securities, Daishin Securities, Samsung Securities, Shinhan Financial Investment , Toss Securities, Kakao Pay Securities Financial Investment/NH Savings Bank Co., Ltd., Daishin Savings Bank Co., Ltd., Hana Savings Bank Co., Ltd., IBK Savings Bank Co., Ltd., Eugene Savings Bank Co., Ltd. are applicable.
Numerous other institutions are protected and can be checked through the forecast website.
(Go to the information on the application of the Depositor Protection Act)
Source: https://www.kdic.or.kr/
1) Click on Depositor Protection System at the bottom of the main screen of the forecast homepage.
Source: https://www.kdic.or.kr/
2) Select the related menu item to be protected.
Source: https://www.kdic.or.kr/
3) Please download the file at the bottom of the information on financial companies subject to protection.
The site updates the status of changes and lists on a quarterly basis, so it would be helpful to take a look. The following is a guide to banks that are not subject to the Depositor Protection Act of 50 million won.
As in today’s topic, depending on the products handled by financial institutions, they may be excluded from protection. Typically, financial investment products are investment products that pay the principal and profits based on performance, so they cannot be regarded as deposits, so the principal is not guaranteed.
In addition, Shinhyup and Nonghyup. Local Fisheries Cooperatives and Saemaul Geumgo are also not subject to the Depositor Protection Act, but postal deposits are protected by the state, and the rest are protected by the Depositor Protection Fund operated by the Central Association. Let’s recap
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1. Post Office
Under the law, the post office is fully protected by the government
2. Shinhyup, Nonghyup. Suhyup Regional Unit Cooperative, Saemaul Geumgo
Up to KRW 50 million is protected by the depositor protection fund operated by the central association.
In addition, housing subscription savings are known to be compensated by the country, so they can be protected if possible, but it may vary depending on the institution’s product, so it would be better to check and sign up.
So far, we have looked at banks that do not fall under the 50 million won Depositor Protection Act. For accurate information, please check the forecast website (https://www.kdic.or.kr/) once again.
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