अमेरिका के फर्स्ट रिपब्लिक बैंक पर ताला लग गया और अब उसे जेपी मॉर्गन ने खरीद लिया है

वित्तीय संकट के बाद अमेरिका के रेगुलेटर FDIC ने फर्स्ट रिपब्लिक बैंक को सीज कर दिया

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और उसे JP Morgan को बेचने पर सहमति जताई है

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यह तीसरा बड़ा बैंक है, जो डूब गया। इससे पहले सिलिकॉन वैली,और सिग्नेचर बैंक डूब चुके हैं

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अमेरिका में पिछले 100 साल में 27,000 से ज्यादा बैंक डूब चुके हैं

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भारत में बैंकों के डूबने की स्थिति में ग्राहकों को डिपॉडिट इंश्योरेंस मिलता है

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रिजर्व बैंक ऑफ इंडिया खाताधारकों को (DICGC) की सुविधा देता है

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इस इंश्योरेंस के तहत भारत में बैंक के डूबने या दिवालिया होने की स्थिति में ग्राहकों को 5 लाख रुपये गारंटी मिलेंगे

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पहले ये इंश्योर्ड अमाउंट एक लाख था, जिसे मोदी सरकार ने बढ़ाकर 5 लाख रुपये कम किया

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यानी अगर आपके बैंक खाते में 10 लाख रुपये जमा है और बैंक डूब जाता है तो आपको 5 लाख रुपये निश्चित तौर पर मिलेंगे

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अगर अमेरिका में कोई बैंक डूबता है तो ग्राहकों को FDIC के नियम के तहत जमा 2.5 लाख डॉलर पर डिपॉजिट इंश्योरेंस मिलता है। यानी 2.5 लाख डॉलर जरूर मिलेंगे

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