Traduction de «dépôt de couverture » (Français → Anglais) :

Therefore claims with regard to deposits remaining in the credit institution under resolution should be limited to the difference between the funds transferred and the coverage level provided for by Directive 94/19/ECWhere transferreddeposits are superior to the coverage level, the depositor should have no claim against the deposit guarantee scheme with regard to deposits remaining in the credit institution under resolution.

2. Where the level and/or scope, including the percentage, of cover offered by the host Member State guarantee scheme exceeds the level and/or scope of cover provided in the Member State in which a credit institution is authorized, the host Member State shall ensure that there is an officially recognized deposit-guarantee scheme within its territory which a branch may join voluntarily in order to supplement the guarantee which its depositors already enjoy by virtue of its membership of its home Member State scheme.

The depositors shall be informed of the provisions of the deposit-guarantee scheme or any alternative arrangement applicable, including the amount and scope of the coverage offered by the deposit-guarantee scheme.

92. Classified information, including any cover note/letter, annexes, deposit slip and/or other parts of the dossier, shall be transferred to the secure archive in the Secure Area six months after it was last consulted and, at the latest, one year after it was deposited.

Following the specific amendments agreed by the Commission, the proposal now: - makes clear that a credit institution that also acted as an investment firm could belong to a single compensation scheme as long as the scheme met the requirements of both the deposit-guarantee Directive and the investor compensation Directive - incorporates equivalent clauses to the bank deposit-guarantee Directive concerning the possibility for branches to opt-in to higher levels of compensation in the host country ('top-up'), the regime for branches of firms with their head office in a non-EU country (Member States must ensure home countries schemes offer equivalent cover or oblige branches to join the host country scheme) and the principle that schemes shoul ...[+++]d be financed by investment firms themselves - includes revised definitions of "investment firm" and "branch" which refer to the definitions in the Investment Services Directive and a new definition of "joint investment" - clarifies that authorisation for investment firms is based on the principle of home country control and that no investment firm (other than credit institutions exempted under the deposit-guarantee Directive) could operate unless it participated in an investor compensation scheme - simplifies the definition of when and how the amount of an investor's claim should be determined - makes a specific reference to the exclusion from compensation of any transaction in connection with which there has been a conviction for money-laundering as defined by the Directive on the issue (91/308/EEC) - includes a requirement for continued coverage by the compensation scheme even when a firm's authorisation to operate has been withdrawn (in case it should subsequently transpire that the firm was unable to meet its commitments to investors) - requires the Commission to report on the Directive's operation three years after it is due to be implemented (31.12.96) rather than five years after.

There are several reasons for choosing this figure: one is that according to the data available to the Commission, this guarantee will cover most deposits, since the average size of deposits is about ECU 2 500; a second reason is that the median of the existing levels of maximum cover in the Member States is approximately ECU 15 000.