Quebra de bancos: como funciona a proteção do FGC aos clientes

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[{"selector":"#anim-287f6bb2-56f8-4236-9ccf-636d15a48fa6","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2dc17728-234c-4046-9637-5ce73cbee19b","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2926d1ea-01ae-4195-a85e-efc180d0eb91","keyframes":{"opacity":[0,1]},"delay":0,"duration":500,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-4d41891c-8e59-482c-9efe-4f9899de7c9f","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":0,"duration":500,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-2c88a8e8-8b01-4c5b-bf29-95ac6da5047a [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(7.833806562318987%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] Após o Banco Master entrar em liquidação, clientes da instituição passaram a buscar informações sobre o que acontece com o dinheiro aplicado quando uma instituição financeira quebra. A resposta é: a proteção oferecida pelo FGC (Fundo Garantidor de Créditos) WERTHER SANTANA/ESTADÃO CONTEÚDO

[{"selector":"#anim-4fe78d9d-52d5-4476-b920-5196128f1a1f","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9f19f32b-a961-41d6-8d0c-62b0eea09bcf","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e7c32e64-3b1b-4439-afc8-0388b72b89ae","keyframes":{"opacity":[0,1]},"delay":0,"duration":500,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-80b1dc05-0fcf-471d-a19e-00f8954b321b","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":0,"duration":500,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-b33e50e6-b14e-4f49-92f7-921a71d60f72 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(-15.680803366201346%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] O mecanismo privado atua para ressarcir depositantes e investidores em situações de intervenção ou liquidação extrajudicial Freepick

[{"selector":"#anim-daec984f-8159-4776-8bf2-9e8ec003c0e5","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a8808de5-f49a-479c-aa7b-2199e8cca6bf","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ec30f72d-0647-4076-87f4-0058cb9642a6","keyframes":{"opacity":[0,1]},"delay":0,"duration":500,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-1c310363-de56-4586-a965-6801b5d4c391","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":0,"duration":500,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-2fa7fd99-73e1-4664-91c1-f794a6fee08c [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(33.02723203899589%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] O FGC é uma entidade sem fins lucrativos, mantida pelas instituições financeiras autorizadas pelo BC (Banco Central). Cada banco contribui com aportes mensais para formar a reserva usada no pagamento das garantias. Não há uso de recursos públicos Pexels/oleksandr pidvalnyi

[{"selector":"#anim-9564e5be-5605-4fff-b01e-3ba82c31d2e2","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b21f8112-f836-491c-aac9-1915b8efa463","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b91549c8-eecf-40d1-ba77-04b652614e68","keyframes":{"opacity":[0,1]},"delay":0,"duration":500,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-6e96c923-920c-4d69-b863-45604d6421d9","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":0,"duration":500,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-369b4728-c921-48e6-91d3-18a57c8ea7c3 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(-31.249999886225726%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] A cobertura do FGC é automática e segue dois limites: até R$ 250 mil por CPF ou CNPJ por instituição e até R$ 1 milhão a cada quatro anos, renovado ao fim do período Pixabay

[{"selector":"#anim-7ff895ac-9766-43ce-b7d6-2fcb8fff8bdc","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e2ee7c74-2a7b-4e4c-8bca-b85bdcead739","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8aa10c50-e8b0-4acd-8371-4d84ac0cd1e2","keyframes":{"opacity":[0,1]},"delay":0,"duration":500,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-58804c25-c102-4d16-8dbe-6416424c0360","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":0,"duration":500,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-5bd82aa6-8273-430e-9c59-9354d8ca3e67 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(7.812499744007886%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] A proteção vale para conta corrente, poupança, CDBs, RDBs, LCIs, LCAs, letras de câmbio e depósitos a prazo. Fundos de investimento não fazem parte da garantia Freepick

[{"selector":"#anim-8a3334b7-65fa-4ef2-b21b-756be3f3ba0e","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-50a2dfed-9307-4dba-ad60-b04105aa7b23","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2c90f22b-e35d-4e40-9a4f-62a2939ed197","keyframes":{"opacity":[0,1]},"delay":0,"duration":500,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-2d03c27c-58f6-499a-9c71-35d46ef5593c","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":0,"duration":500,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-ea290b67-b02f-4910-9a95-7de3c227eaee [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(34.17499990397451%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] Quando um banco é colocado em liquidação, o FGC abre um sistema de habilitação para que os clientes consultem seus saldos e documentos necessários ao resgate. A devolução é feita em etapas, geralmente por transferência para outra instituição parceira, após validação dos valores Freepick

[{"selector":"#anim-d29d7195-60ce-4296-9961-1be2868dcb8a","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-77d2ac65-8112-4d42-b86e-589cbfca31dd","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2e195a13-8911-4f34-8499-4dc90bcfbeb0","keyframes":{"opacity":[0,1]},"delay":0,"duration":500,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-e6484d5a-2a3e-4cd2-ac45-94048ce7c187","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":0,"duration":500,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-ad352ba4-69b0-49f3-8357-98404b3c09eb [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(-12.499999772451451%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] Na prática, o FGC funciona como um mecanismo de segurança que limita perdas e preserva a confiança no sistema financeiro em momentos de crise Wellington Cruz/Pexels

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