[20010521]RS20920_信用合作社存款保险：目的、管理和政策问题.pdf

Congressional Research Service ? The Library of CongressCRS Report for CongressReceived through the CRS WebOrder Code RS20920May 21, 2001Credit Union Deposit Insurance: Purpose,Management, and Policy IssuesPauline H. SmaleEconomic AnalystGovernment and Finance DivisionSummaryThe federal deposit insurance fund for credit unions is the National Credit UnionShare Insurance Fund (NCUSIF). The insurance fund is administered by the NationalCredit Union Administration (NCUA), the federal regulator for the credit union industry.Membership in the NCUSIF is mandatory for federal credit unions. The vast majorityof state-chartered institutions are also federally insured. Funds deposited into accountsat credit unions are covered to $100,000, the same as provided by the Federal DepositInsurance Corporation (FDIC) for banks and thrifts.To carry out its management responsibilities and protect the insurance fund, theNCUA has developed procedures to evaluate the financial condition of federally insuredinstitutions. The agency has established policies to “resolve” troubled credit unions andto close failed institutions. In addition, the NCUA monitors the adequacy of NCUSIFreserves as a standard measur