Inshorensi idiphozithi. Uluhlu kweebhanki zifakiwe kwi-inshorensi idipozithi

Insurance System Idiposithi (WUDI) - indlela yokukhusela yesibambiso yebhanki yabaxumi. Le yinkqubo ekhethekileyo zimiliselwe ngurhulumente. Xa kuthe kwakho umngcipheko inshorensi (umz ungonakala) le-Arhente Inshorensi Idiposithi (YOSUKU) kweli xesha lifutshane kangangoko eyokwenza abagcinisa imali yonke imali ngaphambili eyenziwe ngazo, oku kukwadala uluhlu kweebhanki zifakiwe kwi-inshorensi idipozithi.

Umgaqo esebenza ngayo le inye karhulumente Russian

Ukusebenza kwalo isakhiwo ngokungqinelana ne FZ № y77-FZ ka 23.12.03 Eyona njongo iphambili yale nkqubo karhulumente lonke (xa kuthe yokuphelisa ubume logcino) ukubuyela mali imali yonke imali yakhe ngeendleko umthombo othile, nto leyo nemali ozimeleyo ngokupheleleyo nabani kunye nantoni na. Ukongeza, umtyali-mali akuyomfuneko ukuba ukugqiba Ukongezelela kunye nesakhiwo kwibhanki efanayo isivumelwano ezizodwa iminikelo inshorensi. Uluhlu kweebhanki zifakiwe kwi-inshorensi idipozithi, iquka zonke ezo amaziko mali ezinikezela iinkonzo ezifanayo.

imisebenzi ye-Arhente

Umsebenzi ophambili we-Arhente kukuqinisekisa ukuba imisebenzi kwenkqubo ye-inshorensi yesibambiso yabantu ngokwasemzimbeni ngemali. Wamalungelo ukuba zonke iinkalo kunye nezigaba kobudlelwane zebhanki, i-Central Bank kunye iimali zabo. Imisebenzi esemqoka yeziko:

• Lawula niwuzalise fund-inshorensi, ubambe ukuqokelelwa iminikelo zamaqela.

• Uluhlu kweebhanki zifakiwe kwi-inshorensi idipozithi: accounting yayo, mindzulamiso.

• Accounting ukuze kuboniswe abagcinisa, ukwamkelwa kwezicelo deposit imali.

• Imali ye hlawuleka.

• Ukuchaza iimeko kunye nenkqubo kweentlawulo yebhanki izibalo.

• Utyalo-mali evotelweyo elungiselelwe injongo yengeniso ezongezelelweyo ngokungqinelana nomthetho ezikhoyo.

• Iimfuno iinkcukacha ukuxhasa kwiibhanki ukusebenza yonke ubume inshorensi.

• leziBheno Central Bank nakwifom yesicelo amanyathelo afanelekileyo neebhanki, leyo yephule ukumelana neemfuno zesifundo eso.

amaqela inye

Amalungu ale nkqubo abathengi yesakhiwo logcino lwe Russian Federation:

• Banks ezifumene ilayisensi yokuqhuba imisebenzi ngabanye, oko kukuthi, iibhanki zifakiwe kwi-inshorensi idipozithi.

• idiphozithi Insurance Agency.

• CBR. It is a yinkalo ezilawulayo kule nkqubo.

• Bemi Russian Federation, kunye nemeko yomntu.

• SP ukuba ayinabume bobukhosikazi ngokomthetho, kodwa ukuvula i-akhawunti ye imisebenzi ukusebenza qho professional (avdokaty okanye amaxwebhu).

• Ezinye ii-arhente, nto leyo nawo ngokusemthethweni, kunye neebhanki, ngaphambili ithathwa njengokuba imibutho ezibonelela ngeenkonzo inshorensi.

Iibhanki zifakwe kwinkqubo ye-inshorensi idipozithi mandatory kwi Russian Federation? Impendulo libandakanyeka kakhulu zonke iibhanki. Akukho ibhanki enye abakwazi ukuba bafumane iziqinisekiso mvume, ukuba akukho iqela le inye. Njengoko inkqubo yokhuseleko yoluntu yesibambiso yebhanki eRashiya ukusukela ngo-2003, kukho inkqubo cash-inshorensi ayidiphozithe (SSDV). Injongo yale nkqubo kukubuyisela iidipozithi eluntwini njengomthombo mali oluthile, ukuba kubekho Ukumiswa kwimisebenzi yeziko zemali, yinxalenye yoluhlu kweebhanki abathatha inxaxheba kwinkqubo ye-inshorensi esisinyanzelo iminikelo. Kufuneka ethile umthombo mali olongezelelweyo - le mali-inshorensi reserve. Yena Lasekwa ngo-arhente inshorensi. Isiseko wemvula (omnye ezininzi) kwaye Russian Federation na iibhanki ukuba uzimisele ukusebenza abangekho. Yaye kuphela emva kokwenza igalelo ethile lemali-mali ebekelwe bucala yeebhanki banelungelo lokuba mvume ukuba ukusebenza nabantu emzimbeni. I Fund agcwaliswa iibhanki qho ngekota. Esi sixa mali ibekwe yiBhodi yabaLawuli. Oko kunto-nye kuzo zonke iibhanki, kodwa ngamanye amaxesha ivavanywa ukulungiswa, mvisiswano leyo, kwelinye icala, kufuneka lusekelwe kwi imeko ekhoyo yezoqoqosho kunye nabanye.

iidipozithi Insurable

Insurance ngokuxhomekeke iidipozithi, apho kwenziwe naluphi na lwemali. Ukuba isiganeko benefits oku kwenzeka, umtyali-mali kubuyiselwa sonke isixa esifunekayo, kodwa hayi ngaphezulu kwe-1.4 miliyoni engange. Isiseko inshorensi isebenza njengoko izivumelwano waqukumbela ngamaqela achaphazelekayo kwi ukuvulwa i-akhawunti egameni yebhanki umthengi lowo.

Uluhlu iibhanki ezithatha inxaxheba kwinkqubo inshorensi idipozithi

Nasiphi na isakhiwo bank uthandana abantu ebonakalayo ngokususela ilayisenisi zibandakanyiwe kwirejista Arhente. Kwaye ngendlela reverse - nayiphi na ibhanki ze uthe irejista unephepha-mvume imisebenzi nabantu emzimbeni. Ukuba akukho iqukiwe kuluhlu kweebhanki zifakiwe kwi-inshorensi idipozithi, ngoko akunakwenzeka ukuba ukuqhuba imicimbi efanelekileyo. Bank ongena uluhlu wathi kuwo kuphela xa umvuzo iminikelo ezithile kwingxowa-mali ye-inshorensi. Kwaye ke arhente inshorensi, nayo, inegunya ngaphandle nayiphi na ibhanki kwaye ngaloo ndlela ukunyenyisa uluhlu kweebhanki zifakiwe kwi-inshorensi idipozithi. Kuphela kwiimeko ezimbini, ibhanki ingasuswa kuluhlu:

• Ukurhoxiswa kwelayisenisi kwaye akayeki ukusebenza.

• Ukusungulwa ye-Central Bank of yokunqunyanyiswa kweZkim elunxwemeni ngokungqinelana neemfuno abatyalwayo.

Okwangoku, iibhanki inxaxheba kwenkqubo ye-inshorensi yesinyanzelo iidipozithi abantu benza uluhlu, equka amaziko ngaphezulu kwe 1000.

Okokuqala, ukuba onke amaziko ezinkulu odumileyo a zebhanki mihla Russian, phakathi kwabo:

• Sberbank;

• "Gazprombank";

• "Alfa-Bank";

• "Bank Agricultural";

• "Raiffeisenbank" kunye nabanye.

Ukongeza, i-inshorensi idipozithi kunye nenkxaso kancinane-eyaziwa iziko: "Plus Bank", "Loco-Bank", "Cedar" njalo njalo.

Ukuze ufumane uluhlu iibhanki ezithatha inxaxheba kwinkqubo inshorensi idipozithi (a abangaphezu kwe-800), ngokwaneleyo ukuba isicelo kwi-Arhente. I-website esemthethweni lombutho inikeza lonke ulwazi oluyimfuneko. Naye ukunika ingcaciso iibhanki, ebindilahlekile ilungelo yokuqhuba imisebenzi kutyalo mali yayo kwingxelo abantu bendalo okanye ukuzibandakanya ngabemi imali inshorensi.

Iinjongo kunye indlela le Fund

Esi sakhiwo zemali wenziwa njengesiseko ukuze isikolo sisebenze kakuhle kwendlela yoluntu inshorensi idipozithi wemali. Eyona engundoqo kwaye mhlawumbi injongo yaso kuphela ukuba sibuyele sonke isixa abahlali elinguvimba, ngoobani abathengi abachatshazelwa yi ukupheliswa yokusebenza ibhanki xa ngenxa yaso nasiphi na isizathu sokuphila. Fund ngengqiqo epheleleyo iintlobo iminikelo zemali ezenziwe iiBhanki inkqubo inshorensi idipozithi, kwaye ukusuka ngengeniso stock investvlozheny mali.

Eyona engundoqo iindlela makasizalise stock

1. Urhulumente olujikelezayo ingxowa mali ethile yi-Central Bank of Russia. Okwangoku, esi sixa ilingana engange-7.9 billion.

2. Iibhanki inxaxheba kwenkqubo ye-inshorensi imali eyimfuneko.

3. Ingeniso evela mali investvlozheny stock kwi izibambiso lwemibutho inkulu kwemali ye-Bank of Russia. Utyalo-mali yenziwa kuphela xa kuthotyelwe iimfuneko zomthetho federal kwimibutho iintlobo ezingezizo-ngeniso msebenzi.

Eyona uphawu kwimpahla wakhetha ukuzimela yayo nayiphi arhente zikarhulumente kunye neebhanki. Oku kuqinisekisa ukuba arhente zakhe ayikwazi kusetyenziselwa ezinye imisebenzi ngaphandle dipozithi intlawulo inshorensi. Into ebalulekileyo olwahlula le sakhiwo kukuba i-arhente yaso musa ukufaka izohlwayo ngemimiselo amaziko zemali ababhaliswe kuluhlu kweebhanki zifakiwe kwi-inshorensi idipozithi nokuqhuba iminikelo.

Iimpawu yesibambiso kwemali amazwe

Iidipozithi kwimigangatho baseRashiya na amazwe efunekayo ukuze baye inshorensi. Nangona kunjalo, qaphela ukuba xa kuthe isiganeko benefits ziya kubuyiselwa kwi version engange. Ngako oko, recalculation olwenziwa ngohlobo CB kwi izinga lotshintshiselwano lwemali, leyo ziye zangena ngexesha xa imeko kuye kwavela inshorensi. Isixa-inshorensi yokhuselo na ikhulu ekhulwini nobungakanani bubonke sedipozithi, kodwa hayi ngaphezulu kwe-1.4 miliyoni engange. kwenzala yesibambiso kwemali amazwe kwakhona zithathelwe ingqalelo imbuyekezo. Umyalelo yokubuyiswa kweengxelo iidipozithi amazwe iyafana iidipozithi engange.