Bao hiem tien gui toi da bao nhieu?
Bao hiem tien gui toi da (Maximum Deposit Insurance Coverage) la muc tien toi da ma to chuc Bao hiem Tien gui Viet Nam (DIV) chi tra cho moi nguoi gui tien tai mot to chuc tin dung khi to chuc do mat kha nang thanh toan hoac pha san.
Thuat ngu tieng Anh: Maximum Deposit Insurance Coverage
Linh vuc: Nghiep vu ngan hang, Bao hiem tai chinh
Han muc bao hiem tien gui tai Viet Nam
| Thoi ky | Han muc | Can cu phap ly |
|---|---|---|
| 1999-2005 | 30 trieu VND | QD 528/TTg |
| 2005-2017 | 50 trieu VND | QD 109/2005/QD-TTg |
| 2017-2021 | 75 trieu VND | QD 21/2017/QD-TTg |
| 2021-nay | 125 trieu VND | QD 32/2021/QD-TTg |
So sanh bao hiem tien gui quoc te
| Quoc gia | Han muc | To chuc |
|---|---|---|
| Viet Nam | 125 trieu VND (~5,000 USD) | DIV |
| My | 250,000 USD | FDIC |
| EU | 100,000 EUR | National DGS |
| Nhat Ban | 10 trieu JPY (~67,000 USD) | DICJ |
| Han Quoc | 50 trieu KRW (~37,000 USD) | KDIC |
| Trung Quoc | 500,000 CNY (~69,000 USD) | PBOC |
Luu y quan trong cho doanh nghiep SME
- Han muc tinh theo nguoi gui: Moi ca nhan/phap nhan duoc bao hiem toi da 125 trieu VND tai mot TCTD
- Phan tan rui ro: DN nen gui tien o nhieu ngan hang de tang muc bao hiem tong the
- Khong ap dung cho: Tien gui lien ngan hang, tien gui cua co dong lon (>5%), tien gui mua bang chung chi tien gui
- Phi bao hiem: TCTD dong 0.15%/nam tren so du tien gui binh quan, khong thu tu nguoi gui
Bao hiem tien gui trong cac ngon ngu khac
| Ngon ngu | Thuat ngu | Phien am |
|---|---|---|
| Tieng Anh | Maximum Deposit Insurance Coverage | /ˈmaksɪməm dɪˈpɒzɪt ɪnˈʃʊərəns ˈkʌvərɪdʒ/ |
| Tieng Nhat | 預金保険の最大補償額 | Yokin Hoken no Saidai Hoshōgaku |
| Tieng Han | 최대 예금 보험 한도 | Choedae Yegeum Boheom Hando |
| Tieng Trung | 存款保险最高赔付额 | Cúnkuǎn Bǎoxiǎn Zuìgāo Péifù É |
| Tieng Tay Ban Nha | Cobertura maxima del seguro de depositos | Kobertúra máksima del segúro de depósitos |
Xem them: Tieng Anh | Tieng Nhat | Tieng Han | Tieng Trung | Tieng Tay Ban Nha
Bao ve tai san doanh nghiep cung BizLoan
Hieu ro bao hiem tien gui giup SME quan ly rui ro tai chinh hieu qua. BizLoan ket noi doanh nghiep voi cac to chuc tin dung uy tin, ho tro tim giai phap vay von phu hop. Dang ky tu van mien phi.
Bao hiem tien gui toi da bao nhieu tieng Anh la gi?
Bao hiem tien gui toi da bao nhieu trong tieng Anh la Maximum Deposit Insurance Coverage (/ˈmaksɪməm dɪˈpɒzɪt ɪnˈʃʊərəns ˈkʌvərɪdʒ/).
Dinh nghia
Maximum Deposit Insurance Coverage refers to the highest amount a deposit insurance organization will reimburse each depositor when a financial institution becomes insolvent. In Vietnam, the Deposit Insurance of Vietnam (DIV) guarantees up to VND 125 million (~USD 5,000) per depositor per institution since 2021, significantly lower than the US FDIC limit of USD 250,000 or the EU standard of EUR 100,000. SMEs holding operating funds exceeding VND 125 million at a single bank should consider diversifying deposits across multiple institutions to maximize coverage.
Cac thuat ngu lien quan
| Tieng Anh | Phien am | Tieng Viet |
|---|---|---|
| Deposit Insurance | /dɪˈpɒzɪt ɪnˈʃʊərəns/ | Bao hiem tien gui |
| Bank Insolvency | /bæŋk ɪnˈsɒlvənsi/ | Mat kha nang thanh toan ngan hang |
| Depositor Protection | /dɪˈpɒzɪtər prəˈtɛkʃən/ | Bao ve nguoi gui tien |
Vi du cau
"Vietnamese SMEs should be aware that the maximum deposit insurance coverage is only VND 125 million per institution — businesses with larger operating balances need a multi-bank treasury strategy."
→ SME Viet Nam can luu y bao hiem tien gui chi toi da 125 trieu VND moi TCTD — doanh nghiep co so du lon can chien luoc ngan quy da ngan hang.
Bao hiem tien gui trong cac ngon ngu khac
| Ngon ngu | Thuat ngu | Phien am |
|---|---|---|
| Tieng Viet | Bao hiem tien gui toi da | — |
| Tieng Nhat | 預金保険の最大補償額 | Yokin Hoken no Saidai Hoshōgaku |
| Tieng Han | 최대 예금 보험 한도 | Choedae Yegeum Boheom Hando |
| Tieng Trung | 存款保险最高赔付额 | Cúnkuǎn Bǎoxiǎn Zuìgāo Péifù É |
| Tieng Tay Ban Nha | Cobertura maxima del seguro de depositos | Kobertúra máksima del segúro de depósitos |
Tim hieu them ve giai phap vay von SME
BizLoan ket noi doanh nghiep voi nhieu lender qua mot nen tang duy nhat. Dang ky tu van mien phi.
Bao hiem tien gui toi da bao nhieu tieng Nhat la gi?
Bao hiem tien gui toi da bao nhieu trong tieng Nhat la 預金保険の最大補償額 (Yokin Hoken no Saidai Hoshōgaku).
Dinh nghia
預金保険の最大補償額 la muc boi thuong toi da cua bao hiem tien gui. Tai Nhat Ban, 預金保険機構 (DICJ - Deposit Insurance Corporation of Japan) bao hiem toi da 10 triệu円 (~67,000 USD) cho moi 預金者 (nguoi gui) tai moi 金融機関. 決済用預金 (tai khoan thanh toan) duoc bao hiem toan bo khong gioi han. 定期預金 (tiet kiem co ky han) va 普通預金 (tiet kiem thuong) tinh chung trong han muc 10 trieu yen. Che do nay ap dung tu 2005 sau 金融危機 (khung hoang tai chinh) thap nien 1990.
Cac thuat ngu lien quan
| Tieng Nhat | Phien am | Tieng Viet |
|---|---|---|
| 預金保険 | Yokin Hoken | Bao hiem tien gui |
| 金融機関の破綻 | Kinyū Kikan no Hatan | Ngan hang pha san |
| 預金者保護 | Yokinsha Hogo | Bao ve nguoi gui tien |
Vi du cau
「ベトナムの預金保険の最大補償額は1億2,500万ドン（約5,000ドル）で、日本の1,000万円と比べると大幅に低い水準です。中小企業は複数の銀行に預金を分散させるべきです。」
→ Bao hiem tien gui toi da tai Viet Nam la 125 trieu VND (~5,000 USD), thap hon nhieu so voi 10 trieu yen cua Nhat Ban. SME nen phan tan tien gui o nhieu ngan hang.
Bao hiem tien gui trong cac ngon ngu khac
| Ngon ngu | Thuat ngu | Phien am |
|---|---|---|
| Tieng Anh | Maximum Deposit Insurance Coverage | /ˈmaksɪməm dɪˈpɒzɪt ɪnˈʃʊərəns ˈkʌvərɪdʒ/ |
| Tieng Viet | Bao hiem tien gui toi da | — |
| Tieng Han | 최대 예금 보험 한도 | Choedae Yegeum Boheom Hando |
| Tieng Trung | 存款保险最高赔付额 | Cúnkuǎn Bǎoxiǎn Zuìgāo Péifù É |
| Tieng Tay Ban Nha | Cobertura maxima del seguro de depositos | Kobertúra máksima del segúro de depósitos |
Tim hieu them ve giai phap vay von SME
BizLoan ket noi doanh nghiep voi nhieu lender qua mot nen tang duy nhat. Dang ky tu van mien phi.
Bao hiem tien gui toi da bao nhieu tieng Han la gi?
Bao hiem tien gui toi da bao nhieu trong tieng Han la 최대 예금 보험 한도 (Choedae Yegeum Boheom Hando).
Dinh nghia
최대 예금 보험 한도 la han muc bao hiem tien gui toi da. Tai Han Quoc, 예금보험공사 (KDIC - Korea Deposit Insurance Corporation) bao hiem toi da 50 triệu원 (~37,000 USD) cho moi 예금자 (nguoi gui) tai moi 금융기관. Tu 2024, 국회 (Quoc hoi) dang thao luan tang han muc len 100 trieu won. 이자 (lai) va 원금 (goc) tinh chung trong han muc. 외화예금 (tien gui ngoai te) cung duoc bao hiem neu ngan hang la thanh vien KDIC.
Cac thuat ngu lien quan
| Tieng Han | Phien am | Tieng Viet |
|---|---|---|
| 예금 보험 | Yegeum Boheom | Bao hiem tien gui |
| 금융기관 파산 | Geumyung Gigwan Pasan | Ngan hang pha san |
| 예금자 보호 | Yegeumja Boho | Bao ve nguoi gui tien |
Vi du cau
"베트남의 최대 예금 보험 한도는 1억 2,500만 동(약 5,000달러)으로, 한국의 5,000만 원보다 상당히 낮습니다. 중소기업은 예금을 여러 은행에 분산해야 합니다."
→ Bao hiem tien gui toi da tai Viet Nam la 125 trieu VND (~5,000 USD), thap hon 50 trieu won cua Han Quoc. SME nen phan tan tien gui.
Bao hiem tien gui trong cac ngon ngu khac
| Ngon ngu | Thuat ngu | Phien am |
|---|---|---|
| Tieng Anh | Maximum Deposit Insurance Coverage | /ˈmaksɪməm dɪˈpɒzɪt ɪnˈʃʊərəns ˈkʌvərɪdʒ/ |
| Tieng Viet | Bao hiem tien gui toi da | — |
| Tieng Nhat | 預金保険の最大補償額 | Yokin Hoken no Saidai Hoshōgaku |
| Tieng Trung | 存款保险最高赔付额 | Cúnkuǎn Bǎoxiǎn Zuìgāo Péifù É |
| Tieng Tay Ban Nha | Cobertura maxima del seguro de depositos | Kobertúra máksima del segúro de depósitos |
Tim hieu them ve giai phap vay von SME
BizLoan ket noi doanh nghiep voi nhieu lender qua mot nen tang duy nhat. Dang ky tu van mien phi.
Bao hiem tien gui toi da bao nhieu tieng Trung la gi?
Bao hiem tien gui toi da bao nhieu trong tieng Trung la 存款保险最高赔付额 (Cúnkuǎn Bǎoxiǎn Zuìgāo Péifù É).
Dinh nghia
存款保险最高赔付额 la han muc boi thuong toi da cua bao hiem tien gui. Tai Trung Quoc, 存款保险条例 (Dieu le Bao hiem Tien gui) co hieu luc tu 05/2015, quy dinh 最高偿付限额 la 500,000元 (~69,000 USD) cho moi 存款人 tai moi 银行. 央行 (PBOC) quan ly quy bao hiem. 活期存款 (tien gui khong ky han), 定期存款 (co ky han) va 利息 (lai) deu tinh chung. Cac 国有大行 (ngan hang nha nuoc lon) nhu 工商银行, 农业银行 duoc coi la "大而不倒" (too big to fail).
Cac thuat ngu lien quan
| Tieng Trung | Phien am | Tieng Viet |
|---|---|---|
| 存款保险 | Cúnkuǎn Bǎoxiǎn | Bao hiem tien gui |
| 银行破产 | Yínháng Pòchǎn | Ngan hang pha san |
| 储户保护 | Chǔhù Bǎohù | Bao ve nguoi gui tien |
Vi du cau
"越南的存款保险最高赔付额为1.25亿越南盾（约5,000美元），远低于中国的50万元人民币。中小企业应将资金分散存放于多家银行。"
→ Bao hiem tien gui toi da tai Viet Nam la 125 trieu VND (~5,000 USD), thap hon nhieu so voi 500,000 NDT cua Trung Quoc. SME nen phan tan tien gui.
Bao hiem tien gui trong cac ngon ngu khac
| Ngon ngu | Thuat ngu | Phien am |
|---|---|---|
| Tieng Anh | Maximum Deposit Insurance Coverage | /ˈmaksɪməm dɪˈpɒzɪt ɪnˈʃʊərəns ˈkʌvərɪdʒ/ |
| Tieng Viet | Bao hiem tien gui toi da | — |
| Tieng Nhat | 預金保険の最大補償額 | Yokin Hoken no Saidai Hoshōgaku |
| Tieng Han | 최대 예금 보험 한도 | Choedae Yegeum Boheom Hando |
| Tieng Tay Ban Nha | Cobertura maxima del seguro de depositos | Kobertúra máksima del segúro de depósitos |
Tim hieu them ve giai phap vay von SME
BizLoan ket noi doanh nghiep voi nhieu lender qua mot nen tang duy nhat. Dang ky tu van mien phi.
Bao hiem tien gui toi da bao nhieu tieng Tay Ban Nha la gi?
Bao hiem tien gui toi da bao nhieu trong tieng Tay Ban Nha la Cobertura maxima del seguro de depositos (Kobertúra máksima del segúro de depósitos).
Dinh nghia
Cobertura maxima del seguro de depositos la han muc boi thuong toi da cua bao hiem tien gui. Tai EU va Tay Ban Nha, Fondo de Garantia de Depositos (FGD) bao hiem toi da 100,000 EUR cho moi depositante (nguoi gui) tai moi entidad financiera (TCTD), theo Directiva 2014/49/UE. Han muc nay ap dung cho cuentas corrientes (tai khoan thanh toan), depositos a plazo (tien gui co ky han) va cuentas de ahorro (tiet kiem). Ngoai ra, depositos temporales altos (tien gui tam thoi lon) nhu ban nha duoc bao ve them 6 thang voi han muc 500,000 EUR.
Cac thuat ngu lien quan
| Tieng Tay Ban Nha | Phien am | Tieng Viet |
|---|---|---|
| Seguro de depositos | Segúro de depósitos | Bao hiem tien gui |
| Insolvencia bancaria | Insolvénsia bankária | Ngan hang mat kha nang thanh toan |
| Proteccion al depositante | Proteksión al depositánte | Bao ve nguoi gui tien |
Vi du cau
"En Vietnam, la cobertura maxima del seguro de depositos es de 125 millones de VND (aproximadamente 5.000 USD), significativamente inferior a los 100.000 EUR de la Union Europea. Las PYME deben diversificar sus depositos entre multiples bancos."
→ Tai Viet Nam, bao hiem tien gui toi da 125 trieu VND (~5,000 USD), thap hon nhieu so voi 100,000 EUR cua EU. SME nen phan tan tien gui.
Bao hiem tien gui trong cac ngon ngu khac
| Ngon ngu | Thuat ngu | Phien am |
|---|---|---|
| Tieng Anh | Maximum Deposit Insurance Coverage | /ˈmaksɪməm dɪˈpɒzɪt ɪnˈʃʊərəns ˈkʌvərɪdʒ/ |
| Tieng Viet | Bao hiem tien gui toi da | — |
| Tieng Nhat | 預金保険の最大補償額 | Yokin Hoken no Saidai Hoshōgaku |
| Tieng Han | 최대 예금 보험 한도 | Choedae Yegeum Boheom Hando |
| Tieng Trung | 存款保险最高赔付额 | Cúnkuǎn Bǎoxiǎn Zuìgāo Péifù É |
Tim hieu them ve giai phap vay von SME
BizLoan ket noi doanh nghiep voi nhieu lender qua mot nen tang duy nhat. Dang ky tu van mien phi.