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Canada Deposit Insurance Corporation
The Canada Deposit Insurance Corporation (CDIC) is a Canadian federal Crown corporation created by Parliament in 1967. The CDIC insures Canadians' deposits held at Canadian banks (and other member institutions) up to CA$100,000 in case of a bank failure. CDIC automatically insures many types of savings against the failure of a financial institution. However, the bank must be a CDIC member and not all savings are insured. The CDIC does not protect against fraud or theft.〔http://www.cdic.ca/Coverage/Pages/default.aspx〕 The CDIC also serves as the lender of last resort for commercial banks in Canada to protect the Canadian banking system from insolvency and bank runs.
== History ==
The Canada Deposit Insurance Corporation was created 4 March 1967〔 (under Schedule III, Part 1 of the ''Financial Administration Act'' and ''Canada Deposit Insurance Corporation Act''). It is similar to the Federal Deposit Insurance Corporation in the United States. Since 1967, 43 financial institutions have failed in Canada and all 43 were members of CDIC. There have been no failures since 1996. At December 31, 2012, member institutions numbered 82, according to CDIC's Summary of the Corporate Plan, 2013/2014 to 2017/2018.
The roots of the CDIC can be traced back to the 19th century, such as the Upper Canada’s financial problems of 1866, the North American panic of 1872 and the 1923 failure of Toronto’s Home Bank, symbolized today by Casa Loma. Historically in Canada regional risk has always been spread nationally within each large bank, unlike the uneven geography of US unit banking, layered with savings & loans of regional or national size, who in turn disperse their risk through investors. The Canadian banking system is regulated in part by the Office of the Superintendent of Financial Institutions who can, in an extreme case, close a financial institution. Alongside Canada’s mortgage rules, the risk of bank failures similar to the US are slim, but not impossible.
The original amount of insurance per eligible deposit account was $20,000. This was raised to $60,000 in 1983. The present $100,000 in coverage was changed in 2005 from per eligible deposit account to per depositor.〔http://www.fiscalagents.com/newsitems/cdic.shtml〕
抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』
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