中英对照：信用合作社的安全和好处远比你想象的要多！

 

 

 

在安大略省，信用合作社的存款保险由安大略省的存款保险公司（Deposit Insurance Corporation of Ontario，简称DICO，网址dico.com）承保。 DICO的保险范围比CDIC的保险范围更广！

 

In Ontario, the deposit insurance for Credit Unions is covered by Deposit Insurance Corporation of Ontario (DICO) – (dico.com). The insurance coverage by DICO is more comprehensive than those insured by CDIC for banks!

 

虽然加拿大约有88家银行，但信用合作社却更多。魁北克省以外有251个信用合作社，魁北克则有227个（称为平民储蓄协会）。如今，安大略省有70多个独立的信用合作社。每个合作社都为其社员和社区服务。

 

While there are roughly 88 banks in Canada, there are more Credit Unions. There are 251 Credit Unions outside of the province of Quebec and 227 of them (known as caisses populaires) in Quebec. Today, there are over 70 independent credit unions in Ontario. Each one serves its members and the community.

 

信用合作社是干什么的呢？合作社是社员之间合作，向社员提供银行服务。信用合作社可以由大型公司，各类组织和其他实体的雇员或社员组成。合作社由社员创建、拥有和经营。因此，合作社是非营利性企业，享有免税资格。

 

So what are Credit Unions? A credit union is a financial cooperative that provides traditional banking services. Credit unions can be formed by large corporations, organizations, and other entities for their employees and members. They are created, owned, and operated by their participants. As such, they are not-for-profit enterprises that enjoy tax-exempt status.

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与传统的银行相比，信用合作社的服务项目要少，分社也不多。由于合作社不是上市公司，并且只需赚取足够的钱来维持日常运营，因此，合作社可以为客户提供更好的利率和在更多地点提供自动取款机（ATM）服务。

 

Credit unions have fewer financial options than traditional banks and fewer branches, but offer clients access to better rates and more automated teller machines (ATM) locations because they are not publicly traded and only need to make enough money to continue daily operations.

 

信用合的经营模式允许社员集资。从技术上讲，社员可以购买合作社中的股份，以便合作社能提供贷款，定期存款以及其他金融产品和服务。因为不谋利，合作社经营过程中产生的收入都将用于资助那些让社区和社员得益的项目和服务。

 

In the Credit Unions business model, members pool their money—technically, they are buying shares in the cooperative—in order to be able to provide loans, regular deposit accounts, and other financial products and services to each other. Any income generated is used to fund projects and services that will benefit the community and the interests of its members as a non-profit organization.

 

过去，信用合作社的社员资格仅限于“有共同志向”的人，比如在同一行业或同一公司工作，或在同一社区生活。最终，信用合作社放宽了社员入社的限制，允许任何人加入。

 

In the past, membership in a credit union was limited to people who shared a "common bond": working in the same industry or for the same company, or living in the same community. Eventually, credit unions have loosened the restrictions on membership, allowing the general public to join.

 

在信用合作社中开设帐户后，你即成为社员和合作社的所有者。这意味着你参与合作社里的各类事务。你有权决定谁进入董事会和有关合作社的决定。社员在社里的权力不取决于其帐户中钱的多少，每个社员都有同等的投票权。

 

As soon as you open an account in a Credit union, you become a member and partial owner. That means you participate in the union's affairs; you have a vote in determining the board of directors and decisions surrounding the union. A member’s voting ability is not based on how much money is in their account; each member gets an equal vote.

 

安大略省存款保险公司（DICO）是根据1994年《信用社和储蓄法》设立的安大略省机构。DICO的作用是保护安大略省在信用社里的钱免受损失。存款保险是安大略省承保所有信用社内的存款计划中的一部分，该计划由省的立法做保证。魁北克和其他省份的存款保险范围与安大略省不同。

 

The Deposit Insurance Corporation of Ontario (DICO) is an Ontario Provincial Agency established under the Credit Unions and Caisses Populaires Act, 1994. DICO’s role is to protect depositors of Ontario credit unions and caisses populaires from loss of their deposits. Deposit insurance is part of a comprehensive depositor protection program for all Ontario credit unions which is backed by provincial legislation. In Quebec and other provinces, they each have different deposit insurance coverages than Ontario under their own legislation.

 

和任何企业一样，信用合作社也会倒闭。它并不经常发生，但是曾发生并且可能发生。如果你的信用合作社停业，你的最高补偿额为$250,000元，且你在有保险的“注册账户”里的所有钱（见下面所列）均会被赔偿，没有上限。如果存款没有存款保险的保障，你有可能会损失你的存款。安大略省DICO并非承保所有存款，它只承保加元账户和以下账户：

 

Just like any other businesses, Credit unions can go out of business. It does not happen often, but it has and can happen. If your credit union goes out of business your insured deposits are protected up to $250,000 and unlimited for insurable deposits in registered accounts * (see below). If your deposits are not covered by deposit insurance there is a risk that you may lose them. Not all deposits are covered by DICO in Ontario – only Canadian dollar accounts and of the types below:

•储蓄账户和支票账户

•定期存款，包括与指数挂钩的定期存款和GIC

•汇票，经认证的支票

•个人持有的存款

•联名持有的存款

•信托存款

•人寿收入基金（LIF）*

•固定退休帐户（LIRA）*

•固定退休收入基金（LRIF）*

•注册退休收入基金（RRIF）*

•注册残疾储蓄计划（RDSP）*

•注册教育储蓄计划（RESP）*

•注册退休储蓄计划（RRSP）*

•免税储蓄账户（TFSA）*

 

•             Savings accounts and chequing accounts

•             Term deposits including index-linked term deposits and GICs

•             Money Orders, Certified Cheques and Drafts.

•             Deposits held in one name

•             Deposits held in more than one name

•             Deposits held in trust

•             Life Income Fund (LIF) *

•             Locked-In Retirement Account (LIRA) *

•             Locked-in Retirement Income Fund (LRIF) *

•             Registered Retirement Income Fund (RRIF) *

•             Registered Disability Savings Plans (RDSP) *

•             Registered Education Savings Plans (RESP) *

•             Registered Retirement Savings Plans (RRSP) *

•             Tax Free Savings Account (TFSA) *

 

DICO不承保以下产品：

 

DICO does not insure any of the following:

 

•信用社发行的社员股份和投资股份

•互惠基金

•股票，债券

•国库券

•外币存款

•保险箱内的物品

•合作社保管的证券

 

•             Member shares and investment shares issued by the credit union

•             Mutual Funds

•             Stocks, bonds and debentures

•             Treasury Bills

•             Foreign currency deposits

•             Contents of safety deposit boxes

•             Securities held for safekeeping

 

将信用合作社的存款与银行存款的安全性做比较，你可能会重新思考将放血汗钱存在何处的策略。合作社的“注册帐户”特别有吸引力。 DICO保险担保“注册帐户” 里的全部金额，且“注册账户”的种类高于银行。信用合作社还提供比银行更好的存款利率，因为合作社不必雇佣更多的员工和开分社的费用。

 

When we compare these insurable protections for Credit unions with those provided by the banks, it will make us rethink our strategies on depositing our hard-earned cash; especially with the “registered accounts”. The Credit union insurance from DICO covers the “entire amount” for more kinds of registered accounts than those offered by banks. Credit unions also offer better rate of return on deposits than banks as they do not have to pay for more staff and branches.

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对于那些将大量资金投入“注册帐户”的人来说，选择是明确的。问题时，你能容忍信用合作社提供的服务项目和方便程度不如银行吗？如果不能，那可能是你乐意与银行打交道的唯一原因。

 

For those who have a lot of money invested in “registered accounts”, the choice is clear. For the rest of us, can we tolerate less personal services offered by the Credit unions? If not, then that may be the only reason to stay with the banks.