What is an isolation account?
In terms of isolation accounts, it is isolation of funds, that is, the customer's assets and institutions' own assets are effectively separated.
Know the example of the actual operation here::
The securities company's self -operated disk AA is the investment behavior of securities companies using its own assets;
The BB of the securities company's brokerage business is bought and sold for agencies. All the money is customers, and the earnings are also customers.
These two are transactions from securities companies, but assets must be separated.
Open the dealer's website, in the security column of funds, there will be "funds isolation" normally.
The word isolation in the exchange circle includes the meaning of two layers.
First, traders use custody banking services to place customer funds and margin deposits in bank accounts differently from the company. The funds of the sharing accounts can only be used on the purpose of the customer themselves.
Second, the funds and deposit deposits between customers and customers are managed separately.A customer's funds and margin can only be used in their own transactions, settlement, guarantees, and other uses of the customer themselves.
From the perspective of our investors, our funds are safely guaranteed and are not maliciously occupied or lost by the trading platform.
The exchange circle isolation account cannot be used as operating funds for the exchange circle dealers, so it is also a efficient and transparent way to protect customer funds.Putting customer funds in a bank account that is different from the company can protect the investment funds of customers or traders on the regulations cannot be misappropriated by traders.
Most traders use a single bank custody account and place customer funds in this account name.Fund custody bank is the custody bank of customer funds.The regular platform is generally funds. When investors choose a dealer, they must choose a dealer who can provide bank trust client accounts.The bank trust account will be supervised by the commissioner, the trustee, and the bank. The operating funds of the customer's funds and the trader company are separated from different bank accounts.dedicated.
If it is not isolated, it means that the dealer can use customer funds, which will be very dangerous.Generally, the black platform is similar. It can be imagined as P2P. What is the danger of isolation and misappropriation.
Choosing a foreign exchange dealer who can provide custody is more secure for investment funds for investment funds.
It doesn't matter if you don't understand the more professional information above. I know that I will give you a summary here: When we choose a dealer, we should try to choose a dealer who isolate the account.If individuals are difficult to distinguish, I know that my brother has also sorted out some supervision of the isolation account. You can probably understand the following supervision. The platform is an isolated account.
British FSA is a strict "isolation account"
The FSA is given the power to formulate industry norms, investigate illegal business behaviors, and enforce the power of enforcement.As long as a non -banking financial company is established in the UK, it must be registered with FSA and accepts the supervision of FSA.
FSA strictly implements the "isolation account" system, that is, foreign exchange companies that require business in the UK must put customer funds on independent separation accounts.
Simply put, once the foreign exchange company regulated by the FSA has unfortunately closed, the customer's money is still the customer, and there will be no less.Shareholders and creditors of foreign exchange companies cannot dig the east wall to make up for the west wall, or roll money with their auntie.
American NFA is the nominal "separation account"
According to the US National Futures Association (NFA) traders and investors 'asset protection regulations: The funds and dealers' own funds of all financial retail customers must be completely isolated and placed in the NFA permitted investment banks.At the same time, the dealer must establish a trust guarantee with the bank to ensure that the customer's funds are isolated from the bank assets and are not used as a bank's investment operation.
However, the funds of US foreign exchange companies are placed in separate accounts, which is very different from the isolation account.The National Futures Association (NFA) and the US Commodity Futures Commission (CFTC) did not strictly require foreign exchange companies to put customers' funds on an "independent separation" account.
The biggest difference between separation accounts and isolation accounts is the attributes of accounts.Opening an account in a British company and stored in foreign exchange companies, 100%belong to the customer's own under the eyelid monitoring of the British FSA.Customers who open an account in the US company are stored in another account opened by foreign exchange companies in the bank to separate from the account operated by foreign exchange companies itself, so it is called a foreign exchange company sub -account.In terms of moral, 100%of this separated account belongs to customers. However, in jurisprudence, this account still belongs to one of the accounts under the name of the foreign exchange company.
Under the principles of accounting in the United States (when the customer has the "customer fund account" under the name of the foreign exchange company, the customer is the creditors of the company. In addition to the profit and loss of the transaction, how much does the customer account be, that is, the foreign exchange company is a foreign exchange company.The debt owed by customers has to pay it one day.
If one day this foreign exchange company is closed, the account of customer funds is still the assets of foreign exchange companies. When the company closed down and liquidated, the so -called "customer fund" account will also be included in calculation.Investors are indeed a creditors, but creditors have large small models. As long as no one in your team is more important than you, there is a chance to get 100%of funds.However, if the equity of this company is complicated, and a borrowed money outside the outside, there are some preferred shareholders, priority creditors, and government funds.The probability of getting it back is not necessarily.In addition, Switzerland FINMA, Cyesec (Cyprus Securities Regulatory Commission), Belize, Malta and Hong Kong regulatory agencies all demanded isolation accounts.The New Zealand FMA did not clearly refer to the requirements of isolation accounts.Australia (ASIC) is a non -complete isolation account. ASIC supervision has not required isolation before, but in 2016, a new policy was issued and also required isolation.
For customers, choosing a foreign exchange broker who can provide an isolated account is much safer than choosing a regulatory, but does not provide this service.
How to identify if a dealer uses an isolation account?
1. Ask the customer service directly, whether the trading platform isolates the account.
2. Check whether the bank account information registered when the deposit is income is consistent with the bank account information when the gold is issued.If it is consistent, this foreign exchange dealer can basically use the isolation account.
Understand two more points:
1. It is best to use the information of bank telegram to directly verify whether the selected foreign exchange broker uses isolation accounts.
2. Some investors will choose account custody during investment because of their lack of investment experience. It should be noted that the hosting account is not an isolation account. The former is only isolated in the transaction period.
If you want to query the supervision of the platform, it is recommended that you can query on the Hui app, and you can see the supervision of various platforms and comprehensive scores.
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