Ukuvuselelwa kwe- Umkhawulo wokufakwa kwe-Deposit Insurance Fund (FSD). kuya ku-S/ 116,700Isilinganiso, esisebenza kusukela kuZibandlela wezi-2025 kuya kuFebruwari 2026, siphinda futhi siphakamisa umbuzo wezinga langempela lokuvikela elinikezwa ukonga kwabasebenzisi bohlelo lwezezimali. Nakuba leli nani lingase libonakale liphakeme, ukuncipha uma kuqhathaniswa nesikhathi esidlule kudala ukungabaza okunengqondo phakathi kwalabo abanamabhalansi abalulekile emabhange, ezinkampanini zezimali, noma emabhange okonga.
Lo mshini, ophethwe yi- I-Superintendency of Banking, Insurance kanye ne-AFP (SBS) E-Peru, isebenza njengenetha yokuphepha kwabadiphozi uma ibhizinisi kuthiwa lihlakaziwe futhi selikhishiwe. Isiqephu esisha se S/ 116,700 umuntu ngamunye kanye nebhizinisi ngalinye Lokhu kusho ukuthi uma ibhange noma ibhange lokulondoloza liqothuka, isikhwama sinesibopho sokufika kulelo nani lilonke ikhasimende ngalinye kuleso sikhungo, kungakhathaliseki inani lama-akhawunti noma imikhiqizo elingene kuyo inkontileka.
Umkhawulo omusha we-S/ 116,700 kanye nesizathu sokwehliswa
Okwekota kusuka Disemba 2025 kuya kuFebhuwari 2026I-SBS isethe inani eliphezulu elikhavwe yi- Idiphozithi Isikhwama Somshwalense nge-S/ 116,700Lesi sinqumo sibekwe Kusekhula No. F-615-2025, ekhishwe ngokuvumelana namandla anikezwe Isigaba 349 Somthetho Ojwayelekile Wesistimu Yezezimali Nomshuwalense (Umthetho 26702 nezichibiyelo zawo).
Isigqoko esisha simelela a ukuncishiswa kwe-S/1,600 uma kuqhathaniswa nekota eyandulele ngokushesha (Septhemba – Novemba 2025), lapho ukuhlinzekwa kwasungulwa ngo S / 118,300Lokhu akukhona ukulungisa okukodwa, kodwa ukuqhubeka kwethrendi eyehlayo eye yabonwa ngo-2025.
Imithethonqubo ithi i Inani lomshwalense libuyekezwa njalo ezinyangeni ezintathu. ngokusekelwe ekuhlukeni kwe-Wholesale Price Index (WPI). Kulokhu, i- ukwehla kwe-MPI Lokhu kuchaza ukuthi kungani inani elinomshwalense lincishiswa esikhundleni sokunyuka, into engase ingqubuzane nombono ovamile wokuthi ukwehla kwamandla emali kwenyusa izibalo kuphela.
Empeleni, lesi sibuyekezo sisho ukuthi uma ibhizinisi elingaphansi kwe-FSD liphelelwa yisikhathi ngalesi sikhathi, isikhwama sizokwazi ukubona inani eliphezulu S/ 116,700 ngofake imali ngayinyeKungakhathaliseki ukuthi ikhasimende belinayo yini imali eningi ebhange. Ngakho-ke noma yini engaphezu kwalelo zinga ayifakwa ekuvikelweni.
Ukuvela kwe-Deposit Insurance Fund ngo-2025
Kuwo wonke u-2025, a ukuncishiswa okuqhubekayo komkhawulo oqinisekisiwe ngeSikhwama Somshwalense Wediphozithi. Uma kubhekwa izindawo ezihlukene njengereferensi, iphethini ibheke phansi ngokusobala futhi ishiya ibhalansi eqoqiwe ebalulekile.
Lezi kube yizo amazinga ukufakwa okuphezulu ngesikhathi ngasinye:
- Disemba 2024 kuya kuFebruwari 2025: S / 121,600
- Mashi kuya kuMeyi 2025: S/ 121,000 (ukwehla kwe-S/ 600)
- Juni kuya ku-Agasti 2025: S/ 120,000 (ukwehla kwe-S/ 1,000)
- Septhemba kuya kuNovemba 2025: S/ 118,300 (ukwehla kwe-S/ 1,700)
- Disemba 2025 kuya kuFebruwari 2026: S/ 116,700 (ukwehla kwe-S/ 1,600)
Sekukonke, selokhu kuqale unyaka, inani eliphezulu lomshwalense lehliswe ngo S / 4,900Nakuba isisekelo salokhu kulungiswa siwubuchwepheshe (ukwehluka ku-IPM), kubalondolozi umphumela ubonakala kakhulu: Inetha lokuphepha elihlinzekwa yi-FSD lincane namuhla ukuthi ekuqaleni kuka-2025.
I-SBS ibophezelekile ngokomthetho bala kabusha inani le-FSD ngekota ngayinyeLokhu kwenzelwa ukuthi umkhawulo uhlale uhambisana nokuthuthuka komnotho kanye nezintengo zamawholesale. Ezimweni zokuzinza noma ukwanda kwe-PPI, isibalo singakhuphuka; ezikhathini zokuwohloka, njengalena yamanje, uphahla lokuvikela nalo luyehla.
Ngabe ngempela iDeposit Insurance Fund ihlanganisani?
I-Deposit Insurance Fund ayivikeli yonke into ikhasimende okungenzeka linenkontileka nebhange lalo, kodwa kunalokho a uhlu oluthile lwemikhiqizo ebhekwa njengediphozithiKugxilwe ekuqinisekiseni ukufinyelela kokonga okuyisisekelo kwabantu ngabanye kanye nezinhlangano ezithile ezingenzi nzuzo.
Ngokuqondile, ukumbozwa kudlulela ku- amadiphozithi abhalisiwe, nganoma iziphi izimo zayo, okungokuka Abantu bomzimba kakade izinhlangano ezizimele ezingenzi inzuzoKufakwe futhi funa amadiphozithi kwezinye izinhlangano ezisemthethweniOkungukuthi, ama-akhawunti lawa mabhizinisi awasebenzisayo emisebenzini yawo yansuku zonke.
Imikhiqizo efakwe kumshwalense ihlanganisa lokhu okulandelayo: funa amadiphozithi, ama-akhawunti okonga, amadiphozithi esikhathi esinqunyiwe kanye Nezimali Zesinxephezelo Sobude Besevisi (CTS)Ngaphezu kwalokho, umshwalense awugcini nje ngokuhlanganisa inhloko-dolobha, kodwa futhi inzuzo enqwabelene njengoba idiphozi yasungulwa noma kusukela ekuvuselelweni kwayo kokugcina, inqobo nje uma konke lokhu kungaphakathi kwengqikithi yomkhawulo we-S/ 116,700.
Esinye isici esibalulekile ukuthi i-FSD iphinde ihlanganise ukonga imali yakwamanye amazwe, nakuba zikhokhwa njalo ngokulingana kwazo ngemali kazwelonke. Endabeni ye- ama-akhawunti ahlangeneIbhalansi ihlukaniswa ngokulinganayo phakathi kwabanikazi abahlukene, futhi ingxenye ngayinye ibhekwa njengediphozithi ngayinye ngaphansi komkhawulo wokukhava ngomuntu ngamunye.
Indlela okuhlanganisayo okusetshenziswa ngayo: ngomuntu ngamunye kanye nebhizinisi ngalinye
Elinye lamaphuzu ayisihluthulelo ngezinye izikhathi awanakwa ukuthi Umkhawulo we-FSD usebenza ngomgcinisimali ngamunye kanye nesikhungo ngasinye sezezimali.Lokhu kusho ukuthi ngisho noma umuntu enemikhiqizo eminingi ebhange elifanayo (ama-akhawunti amaningi, amadiphozithi esikhathi esinqunyiwe, i-CTS, njll.), isamba esiphelele esivikelwe asinakudlula [inani elilahlekile]. S / 116,700 kuleso sikhungo.
Uma ikhasimende lisabalalisa imali yalo phakathi kwezinhlangano ezihlukene ezixhumene ne-FSD, Inomkhawulo ofanayo kuzo zonkeNgakho, isu elivamile lalabo abaphatha izizumbulu zemali uku hlukanisa ukonga emabhange amaningana noma amabhange okonga ukuze kwandiswe ingxenye ehlanganiswa ngempumelelo yisikhwama.
Lapho ibhizinisi eliyilungu limenyezelwa ukuthi lingenile ukuhlakazwa kanye nokuqedwaI-SBS ilungiselela a uhlu lwamaqembu afakwe kumshwalense kanye namanani aqashelwayo esebenza njengesisekelo sezinkokhelo. Lesi sitatimende sichaza ukuthi yimalini ofake idiphozithi unelungelo layo ngaphakathi kwenani eliphakeme elikhavwe yi-FSD, kucatshangelwa uhlobo lwe-akhawunti, amabhalansi ayo, kanye nenzalo enqwabelene.
Isicelo somshwalense sicutshungulwa ngokulandela izinqubo ezisungulwe yi-SBS kanye ne-Deposit Insurance Fund uqobo, okuhloswe ngayo ukuqinisekisa ukuthi labo abathintekayo bangakwazi. buyisela ingxenye eqinisekisiwe yokonga kwakho ngokushesha okukhuluNoma iyiphi imali enqwabelene eyeqa umkhawulo kufanele ifunwe ngesikhathi sokutshona noma ezinqubweni zokuqedwa kwebhizinisi.
Yiziphi izinhlangano ezifakwe eSikhwameni Somshwalense Wediphozithi?
Ukufinyelela kwe-FSD kudlulela engxenyeni ebalulekile yohlelo lwezimali olusemthethweni, nakuba kungenjalo lonke. Ngokusho kwedatha yakamuva, Izikhungo zezezimali ezingama-40 Njengamanje babamba iqhaza ohlelweni lokuvikela, befaka isandla ngezikhathi ezithile esikhwameni ngeminikelo yabo eyisibopho.
Lezi zikhungo zihlanganisa Amabhange angama-17, okufaka amabhizinisi amakhulu nagqamile njenge-BCP, i-BBVA, i-Scotiabank, i-Interbank noma i-Mibanco, kanye namanye amabhizinisi amancane asebenza ngokukhethekile kumasegimenti ahlukene wamakhasimende.
Iqembu liqedelwa ngu Izinkampani zezezimali eziyisi-7 (njengeCrediscotia, Financiera Confianza noma Oh!, phakathi kwabanye), 11 amabhange okonga kamasipala ukonga kanye nekhredithi kanye 5 amabhange okonga asemaphandleniZonke ziyingxenye ngokusemthethweni yeSikhwama Somshwalense Wediphozithi, ngakho-ke, imikhiqizo eshiwo ngenhla yamakhasimende awo ivikelwe kuze kufike umkhawulo wamanje.
Kubalulekile ukukhumbula ukuthi, lapho a ibhizinisi elisha liqala ukusebenza Kuleli zwe, ayifakwa ngokushesha ekufakweni kwe-FSD. Umthetho ojwayelekile wukuthi kufanele ukufaka isandla esikhwameni izinyanga ezingama-24 ngaphambi kokuthi amadiphozithi abo aqinisekiswe. Ngaleso sikhathi, amakhasimende aleso sikhungo awavikelwa umshwalense wediphozithi, into engaziwa noma yaziswa njalo lapho ekhipha idiphozi.
Kunconywa kubasebenzisi Hlola ukuthi ibhange lakho, isikhungo sakho sezezimali noma ibhange lokonga lixhumene ne-FSD futhi kusukela nini, ukuze bacace mayelana nokuthi imali yabo elondoloziwe ivikelwe ngempumelelo futhi ifike kuliphi inani uma kuba nezinkinga ezinkulu ebhizinisini.
Isimo samanje, nge umkhawulo we-S/ 116,700 kanye ne-trajectory eya phansi ngo-2025Lokhu kuphoqa abongi ukuthi bahlakaniphe kakhulu lapho behlela ukuthi bazoyabela kuphi futhi kanjani imali yabo. Ukuqonda kahle ukuthi iSikhwama Somshuwalense Wediphozithi sihlanganisani, obani abazuzayo kuso, nokuthi imingcele yaso engokoqobo ithini sekucishe kwabaluleke njengokukhetha imbuyiselo noma izinkokhelo zediphozithi. i-akhawunti yokonga enesivuno esikhulu noma idiphozi yesikhathi esinqunyiwe.
