Federal Deposit Insurance Corporation AMERICAN BANK SYSTEM

The Federal Deposit Insurance Corporation (FDIC)in the United States (US), the federal government is running under an independent state institution. In the years of the great Depression, many of the bank's result of the sinking of the 1933 Glass-Steagall Act was established. The basic purpose of the American financial system is to achieve and maintain public confidence. A member of the FDIC for banks and savings institutions, demand and savings accounts deposited by the depositor per 100,000 American Dollars and deposits under the guarantees. FDIC, the banking system, which constitutes more than a half 5,250 bank and examines the side, watching. Banks, state or federal government to permit may be issued to the organization. By the provinces imtiyazlanan banks of the Federal Reserve System member is also entitled to have. FDIC concession by the province to take the Federal Reserve System and the non-member banks of the primary federal regulator. In addition, the FDIC, the rest of the banks and savings institutions backup of position of the observer.
Assurance Requirements of the[change | modify source]

The system member banks and certain liquidity and reserve requirements to fulfill. Risk-based capital ratio according to the bank group 5 are divided into:
A good degree, and have been capitalized : 10 %or higher
Enough : 8 %or higher
Less : less than 8 %
Significantly less than : 6 %less
Critical level in less : less than 2 %of
A bank less capitalized have FDIC if it gives a warning to the bank. Rate 6 %falls under the FDIC, the management and the bank may change the status of the fix to take action in the direction of the force. If the bank comes to a critical level, the FDIC, the bank declared bankrupt.