Insurance kweliso kwi Russian Federation

Inshorensi - oku isivumelwano esisemthethweni. It inshorensi uthembisa ukuba iqalise imingcipheko kwelinye icala - i-inshorensi. Zonke bezomthetho phakathi kwe-inshorensi kunye zeinshorensi ziya zibhalwe ngohlobo yesivumelwano.

Ukuze uqiniseke umxhasi xa isiganeko benefits isixa, kukho kweliso karhulumente eyodwa phezu kakhulu intsebenziswano yazo zonke iinkampani ze-inshorensi. Kwaye ukuba oku imisebenzi inshorensi kufuneka mvume. Yintoni na, enyanisweni, kweliso inshorensi, yaye yintoni na imisebenzi yayo?

Insurance Supervision e Russia

umbutho Insurance ithatha iingozi ezicaciswe kule mvumelwano, ngokuxhomekeke kwiimeko ezithile kwaye ibe lidini lentlawulo. Ukuze ukuba siyabhanga, yonke nkampani kufuneka ntliziyo - ezo abasebenzi ukubala okuba lwesiganeko. Actuaries kufuneka neziqu.

Nzuzo kusuka ukuthenga imigaqo-inshorensi kufuneka lubandakanye iindleko mbutho ngakumbi nazinkinga kwaye yenze imisebenzi yayo kuqoqosho. Ukongeza, ezinye iindidi ze-inshorensi eRashiya ezifunekayo. Umzekelo, i-inshorensi practice nomlando.

Inshorensi, ukuthenga umgaqo, akhuselwe ngokupheleleyo kwimiphumo lentlekele kunokwenzeka. arhente inshorensi Worldwide bandisa imali ebonakalayo. Kwaye ukuzaliseka izibophelelo zabo kuyimfuneko ukwenza egadiwe.

Ukuba umxhasi akafumani imbuyekezo ilahleko okanye afumane imali encinci naleyo eboniswe kwi isivumelwano, ukuthembeka kwezi mibutho ukuba shwaka.

Ngubani livelela iinkampani ze-inshorensi?

Xa kutshintsho lwezoqoqosho emarikeni kwi ngqwabalala 90 xa akheke ngokutsha-isakhiwo karhulumente, umsebenzi kweliso phezu arhente inshorensi kunye arhente-inshorensi zabucala ukususela ngo-1996 ababekhonza Supervision iSebe phantsi yoMphathiswa wezeMali. Ukususela ngo-2004, onke amagunya kweliso batshintshelwa Federal Service of the yoMphathiswa wezeMali.

Ngo-2011, FSIS wapheliswa. imisebenzi FSIS eyenziwa yi-FS Fin. Markets kunye Bank of Russia. Ngeli xesha (ukusukela 2013) zonke ezi imisebenzi ye-inshorensi kweliso eyenziwa liSebe imarike inshorensi ye-Central Bank of the Russian Federation.

Imithetho elawula le-inshorensi kunye kweliso yeshishini inshorensi

Njengoko kumiselwe yi-inshorensi? Insurance kweliso kwi Russian Federation isekelwe gl.48 Inxalenye 2 Code Civil. Mvume olwenziwa phantsi kwemiqathango emiselwe yi ngokomyalelo № 02-02 / 08. A-inshorensi yezempilo ngokuxhomekeke "Inshorensi yezeMpilo On" Umthetho we 06.29.91.

umsebenzi inshorensi kweliso

Insurance kweliso kwi Russian Federation njengenkqubo yonke wenza imisebenzi ebalulekileyo ilandelayo:

• ISebe ijonga ukuthotyelwa kwemithetho-inshorensi.
• Wenza Actuaries isiqinisekiso.
• Issue okanye ikhetha-mvume.
• Ukunika umgaqo-nkqubo karhulumente emanyeneyo.
• Standard-setting umsebenzi.
• Lawula ngabalawulwa yeshishini inshorensi. Ukuthintela ungonakala yabo.

Kakade ke, omnye weyona misebenzi iphambili ukukhusela amalungelo policyholders. Eli Sebe libonelela arhente inshorensi ogunyazisiweyo ukwandisa capital isabelo okanye imvume ukuvula isebe kwi-arhente Russian kutyalo mali kwamanye amazwe.

Ukongeza, into ebalulekileyo kukuba ukulawula imeko imarike insurance, ukwenzela ukuthintela bodwa kule marike. IKomiti Antimonopoly kwakhona rhoqo iliso insurer.

Principles of Insurance Supervision

Igunya nelawula onikwe amagunya athile. Yena kakhulu unelungelo ukuba iqhube uphicotho-zincwadi zolawulo ohlwaye abo banoxanduva okanye ukuqala ityala enkundleni. Kodwa ke igunya zokusuphavayiza kuxhomekeke kwakhona kwimigaqo ethile, njengoko nayo ngaphakathi kolawulo isakhiwo.

kweliso Insurance lwenziwa kule mithetho siseko ilandelayo:

1. Ngolawulo lomthetho. Kumiselwa zikarhulumente ngokuxhomekeke kwimithetho bonke abasemagunyeni zikarhulumente nakuwo onke amagosa.
2. ubunye bombutho. Ngokwahlukana lwesithuba kunye isenzo central integrally.
3. Umphakathi. Umgaqo kuthetha ukuba yonke ingcaciso ngemisebenzi yeSebe ukho kuwonke-wonke. Ishicilelwe kwi-intanethi ukuze uluntu ngokubanzi, ukuze wonke umntu ufikelelo kulwazi. Ukongeza, inkampani yeinshorensi nganye nje kufuneka ukunika uluntu uhlalutyo kokhuphiswano kumsebenzi wakhe wezimali. inkcazelo eyinyaniso imeko yemali kwinkampani ye-inshorensi iya kunceda aseMpumalanga kwi ezikhethiweyo zeinshorensi, ukuba uthe okwangoku isigqibo koko inkampani kubhetele ukuba babuyele.

Ngenxa yoko, iSebe inokubeka nje iliso ukuqhuba ishishini inshorensi eRashiya ukuze uqinisekise ukuba onke amaqumrhu ukubheka ukuba iimfuno enye yezomthetho kunye inshorensi ngokuzola, ningabi naxhala imali.

Injongo kweliso inshorensi eRashiya

Urhulumente kunye wabadlali market umele "ukuva 'enye nenye kwaye basebenze kunye. Kungenxa ngokomdla omabini amacala. Ngoko ke, isebe inshorensi kweliso kubandakanya ukubeka ezi njongo zilandelayo:

• Formation kweemfuno abathengi abaqhelekileyo malunga nenkonzo inshorensi.
• I ngakumbi Ukwakhiwa kwenkqubo kweliso karhulumente
• Ukuqinisekisa ukuphunyezwa nezibophelelo-inshorensi ukuze akhuphe imali
• Formation of kwezibonelelo kwimarike inshorensi.
• Ukulungiswa kwabasebenzi abatsha.
• Ukudala iimeko utyalo-mali kwicandelo inshorensi.

Onke amanyathelo olawulo enziwa kweliso inshorensi Russian, igalelo kuphuhliso imarike ye-inshorensi.

Kufuneka kuqatshelwe ukuba ulawulo nokulawula imisebenzi kwiinkampani zangaphandle neenkampani kunye nesabelo olongamileyo capital amazwe. Ishishini inshorensi kwi Russian Federation kufuneka babe oluphucukileyo, yaye ngaloo ndlela, umgaqo-nkqubo karhulumente kufuneka kuphuculwe iinkampani ze-inshorensi.

Njani na kweliso lwemisebenzi-inshorensi?

ISebe of kwimarike insurance ngokusekwa nemimiselo nolawulo phezu nokubulawa zabo.

Insurance Supervision eRussia zingabuchaphazela emarikeni ngezi ndlela zilandelayo:

• Ichaza eminye imiba luxanduva kwegunya okugada;
• Inika iinkcukacha irejista enye ezikhoyo inshorensi okanye abhalise imibutho ezahlukeneyo ezikhoyo-inshorensi;
• enza izinto kulawulo welayisenisi kumsebenzi-inshorensi;
• enza ukuba ukuyirhoxisa loo layisenisi.

Supervision ijolise ikakhulu kuphuhliso loshishino inshorensi, kuliwa hayi ngenjongo yokuthintela kuyo. Ngoko ke, lo ulawulo oluqhutywa iimfuno zabathengi, kwaye uninzi arhente inshorensi.

Imisebenzi eluxanduva amaqela ngokungqinelana nemithetho ye-Russian Federation

Kuba waphula umthetho iimeko ezichazwe kwimvumelwano, amaqela amabini (kunye inshorensi kunye polisi) athathe uxanduva ngokupheleleyo. Le polisi olukhuselwe "Umthetho phezu woKhuseleko Consumer Rights." Kuba ukunyhashwa kwamalungelo abathengi iinkonzo inshorensi liya kuba nelungelo lokwenza ibango umonakalo.

Le polisi akakwazi ukuhlawula imbuyekezo, kwimeko apho ityala isiganeko yesehlo inkampani yeinshorensi client ngokwayo. Ngapha koko, ngokuba imithetho ye-Russian Federation ngabalawulwa imarike elingana.

Kwakhona, kukho ummiselo uthi umntu wemvelo lowo ekufuneka ngokomthetho ukuba inshorensi kodwa inshorensi, ukuze alinakukhuselwa enkundleni. iinkcukacha ngaphezu zonke unxulumano kwizifundo zigutyungelwe Chap. 48 "Insurance" kweKhowudi Civil.