NPF "European Pension Fund" (AO) lwemisebenzi iingenelo. fund Pension "European" (NPF): ingxelo yokuba abathengi kunye nabasebenzi

NPF "yaseYurophu" - enye yeenkokheli kwimarike yezemali Russian Federation, ogama abathengi babe ngabantu abazizigidi 1.8 baba. Ekuqhubeni imisebenzi kwi ukuqukumbela izivumelwano operatives kunye neeNGOs malunga abemi Russian inshorensi iminyaka 22, "European Pension Fund" (NPF, AO) buyekezwa umsebenzi arhente kunye nokuhlawulwa iminikelo pension akuthethi ukufihla - le web kukho zombini Abathengi abonelisekileyo kunye sikabani ukuba abatyali-mali.

Ukususela irejista imali - e NPF

Ekuqaleni kwingxowa-mali ekubhekiselelwe kuye ngokuba "pension fund" kunye neenkonzo pension kuphela. Ukususela ngo-2012, umgca imveliso iSebe NPF "yaseYurophu" esivumela ukuba abathengi inkonzo ye-inshorensi kunye ntle kubo bonke Ukuthanda: ukusuka nokugqitywa kweemvumelwano operatives eqhelekileyo kwizicwangciso pension ngamnye kwaye corporate, kubandakanywa Consulting pension, ukuphunyezwa eyinkunzi kubeleka, co-ngezimali inkamnkam. ofisi iintloko ibekwe ofisi eMoscow, kodwa esimi yenkampani libamba namanye amaziko yengingqi. Izimvo NPF "European Pension Fund" kwi-Internet aqhelekile - ukusuka kwiziko ezizodwa kakhulu, ukufumana izicelo ezivela abaqeshwa amashishini metallurgical, iye yaba inkampani yeinshorensi widebody, bakhonza njengoko isivumelwano ngamnye kunye nohlobo wobambiswano isicelo.

amaqabane Fund

iinkampani Key Ngokubambisana Foundation "European NPF" (reviews yemisebenzi yabo baziwa kulo lonke ihlabathi), zezi:

• Iibhanki 'ukuvula' yaye 'Imbotyi Bank "(" ukuFumaneka kweFidi "ibonelela i-akhawunti yangoku kuba operatives-izivumelwano," Imbotyi Bank "- Retirement (NGOs))," Isixeko Bank "," yaseYurophu Bank for Reconstruction and Development Bank "," Renaissance Capital Bank "," Credit Yuruphu Bank ".
• nabo Western: Morgan Stanley (ibhanki zorhwebo American, eyinxenye ye zilime elikhulu), Deutsche Bank - ibhanki German, arhente omkhulu wezizwe.
• Iinkokeli Russian ngensimbi mveliso - eChelyabinsk phambene no-2 Tube Rolling Plant.

Abanini NPF "yaseYurophu"

Uninzi kwizabelo yenkampani, ezizezi - 30%, ngo-2012 waba impahla 'yaseYurophu Bank for Reconstruction and Development "(EBRD). Nangona kunjalo, imisebenzi ibhanki-mali zingaphelelanga ukuthenga 1/3 kuphela asethi APF, yaye emva intengiselwano, kunye nesakhiwo zemali eChelyabinsk Pipe Rolling Plant uthenge enye-25%.

Ngenxa yoko, inkampani waqalisa ukuqhuba uninzi yeempahla ze-mali (55%), nto leyo, kwelinye icala, ukuphuhlisa efanayo kwindawo lwangaphakathi (xa utshintshe abanini omnye emva komnye, bathabathe bazise kunye kwabasebenzi abatsha kunye nabalandeli, ingulowo ufuna ukwalathisa imisebenzi "indlela yayo"), kunye kwelinye - watshabalalisa ukhuphiswano kwezinye iinkampani kufuneka iziko ngokwezimali enomtsalane.

Noko ke, oku akuzange kuchaphazela iimpendulo zabo otshintshele NPF "yaseYurophu", - ngokubanzi, abaxhasi ukuvavanya imisebenzi iqumrhu elisemthethweni njenge ekhula ngokuthe ngcembe, kodwa angakholiswa wavakalisa malunga nendlela ukungena iimvumelwano arhente inshorensi abangengabo boyika ukusondela ekhaya izimali kunye nefomu ekholisa ukubuza khetha inkampani yabo indawo ye ukutshintshwa pension ukuqokelelana kwezibonelelo.

Rating kwipenshoni yabucala "yaseYurophu" Foundation of "Expert RA"

Ukuba inkampani leyo sixakekile ukuthengiswa kweemveliso zemali kunye inshorensi labantu Russian, akoyiki inxaxheba rankings arhente ozimele, kuba nempembelelo entle imeko kwi qela, kunye nohlaziyo ka NPF.

"Le ngxowa-European yomhlala" - omnye weyona mizekelo iphawulekayo babucala ezo inxaxheba kwezi zixeliweyo. Le nkampani iye ilinganiswe yi-arhente ezintathu eziphambili: "Expert RA", "i-arhente rating ezizimeleyo" kunye nenkampani RusRating.

"Ingcaphephe RA 'ukuba iibhanki kunye nemali yomhlalaphantsi ezimele ixabiso efanayo njengoko ucofe; kuba aba" abagwebi "imisebenzi yezoqoqosho kunye inshorensi anasiphulaphula kuphela ezo mibutho ukuba awufuni ukuba i flow client oluzinzileyo, kwaye akunamsebenzi yeyiphi indlela amandla inshorensi aya kuyinyula ikamva labo. 2015 ukuba inkampani lokufumana banga liphezulu uzinzo kunye namandla kwiinkonzo zemali kunye inshorensi - A ++. Mveliso eyenza ukufumana amanqaku omkhulu onjalo, ngaba nangoko nomtsalane kuluntu - njengokuba ngoku abathengi baya ukunikela ingqalelo izimvo zabantu inshorensi edlulileyo ukuba ashiye amaphepha kwi Internet.

Fumana awona manqaku aphezulu, "yaseYurophu NPF" reviews yemisebenzi yabo akwazi kwicala zemali ekunene - le web akabanga izikhalazo ezivela inshorensi ekubeni abathengi zibuthandabuze uzinzo inkampani okanye andiqondi ukuba ukuqokelelana yabo iminikelo ngumqeshi na ezandleni elungileyo.

Zokukala "Independent Republic of Armenia" - manani ebalulekileyo bonke NPF

Kwaye nangona uzinzo Fund asiyomali uyathandabuza, nkqu abahlalutyi anempembelelo ezifana "Expert RA" iqela "arhente rating elizimeleyo 'ukuhlola le nkampani kuphela kancinci athobekile kwaye yabelwa ngxowa-15 kuzo ngokubaluleka phakathi zonke NPF Russia ngo-2015 ukuba, Noko ke, iye yaba nefuthe kangako kwi ekudalweni ipateni eqhelekileyo lombutho ( "yaseYurophu NPF" ncomo ezinxulumene imeko yemali kwimarike, le izuze kuphela okulungileyo, yaye ukuba kungafumaniseka amanani, umzekelo, 3,42% kwisabelo lilonke ubunini kwimarike kunye th 11 yi umthamo oyongele umhlala-phantsi Abantu abaKhuselwe ngeInshorensi).

RusRating - oyingcali kwiinkampani zemali Russian ngamazwe

Umsebenzi kwavavanywa NPF kunye nezinye arhente abanempembelelo olusebenzisa inethiwekhi - RusRating. Le nkampani iye yanikwa inkampani kwi "enkundleni" yesizwe oluzinzileyo amandla hoxa - AA. Kodwa ke imisebenzi ngamazwe umntu esemthethweni sisweli - ngo-2015 kwaye kuqikelelwa ezifanelekileyo - BBB, nto leyo ethetha ekuphuhliseni umbutho entsha, leyo siqinisekiso 100% ngempumelelo kwintsimi yehlabathi-inshorensi pension.

Kodwa Internet ka NPF "fund yomhlalaphantsi yaseYurophu" ncomo umthengi evela kwamanye amazwe musa kufumana - oku kubangelwa share zisezantsi emarikeni (ngaphantsi kwe 0,01%) kunye nenani labantu zeinshorensi, nto iyonke musa ngaphezulu amawaka 2 abantu ..

Kunye nomgaqo-nkqubo yenkampani ikakhulu ijolise umdla abathengi basekhaya - stream umahluko lincinane, kodwa ke abameli balo abemi inshorensi lula kakhulu ukugqithisa iingenelo ephambili inguqu kwi NPF kunye ukugqiba isivumelwano, ngaphandle kokulinda ukuba imvume yamagqwetha okanye ukususa bokuqonda ingenalo novelwano.

Kungenxa yoko le nto isabelo enkulu umhlala elizayo kunye abamkeli inzuzo abaye bayishiya nokubuyekezwa NPF "yaseYurophu" - baseRashiya (99.98%).

yokusebenza kwezimali yequmrhu elisemthethweni JSC NPF "European PF"

Imisebenzi NPF "yaseYurophu" izigxeko umthengi kwi web ukufumana asinto inzima kuyaphi - yenye yeenkokheli yemarike yaye ngokusebenzayo yokusayina r kunye nee-savumelana kuphela inani eliqingqiweyo labantu zeinshorensi (umzekelo, njengoko wenze mali zabucala ekujoliswe efuna abasebenzi babo ukuba le nkampani ngokusekelwe yokuzithandela-ekunyanzelekileyo transfer imali yabo kwi-mali abakufutshane okanye indina), kunye necandelo ebanzi kubathengi - ukutshintshela iminikelo yabo yomhlala bonke abemi baseRashiya.

Inani izivumelwano, umsebenzi inyuswe sibulela umsebenzi eququzelelweyo-arhente-inshorensi, unefuthe NPF ishishini.

Ngo-2015, imali ye pension ethe ngumntu engekho phantsi kolawulo lukarhulumente, ufumene ngaphezu kwama-2368 abathengi basayine imvumelwano-inshorensi pension enyanzelekileyo, yaye ngowe-1921 umntu wokubonelela non-karhulumente. Imali iyonke mali, ezibe ejoliswe ekuqinisekiseni imisebenzi yabo abantu zeinshorensi, yaba ekupheleni kwexesha elidlulileyo 49 319.04 amawaka engange operatives kunye 15 586.29 amawaka engange - .. Ukuze NGOs. Esi sisalathisi egqwesileyo kwaye uchaphazela inshorensi ngokumalunga basenokuba ngabaxhamli beenkonzo, kunye nento yokuba abatyali sele lenza isigqibo malunga nokuphunyezwa kwe kwizibophelelo i "European" (NPF) Review Kuphela neempawu ezintle.

Impumelelo mali liqumrhu elisemthethweni "European PF" kwi iikhontrakthi abantu inshorensi, otshintshele inxalenye numbers ye pension, siqinise kuqhubekile nokuba phezulu, ngo-2015 umyinge wenzala lifikelele 13,63%. Kuba ilungiselelo non-imo inzuzo kwi fund "yaseYurophu" eyayifikelela kwi 15,64%.

Ngokwe-manani ukusuka iinkampani renkingovyh, kuphononongwe inxalenye yemali-mali, ngo-2010-2015. isixa umrhumo inshorensi amaziko iziko mali inyuke nge-101,4%.

Ingxelo evela kwabo oyaziyo into athetha. Yintoni abasebenzi ukuxhasa inkampani yakho?

Ngaphandle kwento yokuba uluvo imisebenzi yayo nayiphi na inkampani enikezela ngeenkonzo kuluntu, i injongo ungenza kuphela umthengi xa isicelo ngokwawo kumbutho osemthethweni, xa ukhetho yabemi NPF beqhubeka ndiphethulela ingqalelo yabo ncomo ngokwabo abasebenzi. Oku kungenxa yokuba kunye sengqondo onoxanduva umbutho yangaphakathi kule nkampani kuwonke umoya ngezandla ezishushu kweli qela, kwaye ichaphazela indlela arhente inshorensi bafuna ukuba negalelo kuphuhliso inkampani, kwaye ngaphezulu babandakanyeke kuyilo technology kuba operatives kunye izivumelwano NGO .

Sebenza NPF "yaseYurophu", ncomo apho zibekwe kwi-Intanethi ezahlukeneyo kakhulu loo misebenzi arhente kwezinye iinkampani non-state - apha kwaye apho imbopheleleko insurer abandakanya ukukhuthazwa esebenzayo iimveliso pension, ngokunjalo nabaxumi iingcebiso abaye sele zidluliselwe pension yabo sokuzuza lo mbutho. Ngokufuthi ke kunyanzeleke ukuba enze ngandlela zimbi yonke indlu, njengoko flow client engenayo akusoloko nako ukunika 100% ukusebenza ngayo ishishini.

About NPF ncomo "European 'abasebenzi abaye bafudukela kwenye inkampani, elimsulwa - ezinye akhalaze ngenxa yokulibaziseka umvuzo, enye - ukuba zikhule imeko ngakwicala kwabasemagunyeni, engafuni ukumamela ku hlamusela insurer, nto leyo angazange ukutsala abathengi ezintsha. Kodwa ke oku akuthethi ukuba umoya yangaphakathi kweli qela, "isiqhwala" - uninzi lwabasebenzi anelisekile indawo yazo yangoku umsebenzi. Yenza ngayo ishishini nzima yonke, nokuba iibhanki okanye amanye amaziko zemali, kunye nomsebenzi kwi-ofisi efanayo kunye bume abakwazi ukuhlawula yonke inkampani.

reviews NPF "fund yomhlalaphantsi yaseYurophu" abasebenzi isikhalazo malunga non-inzaliseko sicwangciso kuthathela ingqalelo kuphela ukuba semthethweni izigwebo zabo. Nangona kunjalo, akukho namnye kubo uthi 100%, nto leyo kwindawo esekugqibeleni umsebenzi - inkampani wadala iimeko ekuthengisweni esebenzayo, uqhuba noqeqesho kunye nokuqeqesha abasebenzisi abatsha, ukuba enze umnyinyiva, kwaye ukulungele ukuxhasa abo yakwazi ukukhuthaza iimveliso inshorensi. Kodwa ke, ngokungafaniyo ezibhankini microfinance zonke NPF kunzima ukuphumeza ukwanda ngamandla ukuba abasebenzi ayalelayo ayakhanya - uninzi urhulumente kuhlala ngabathengisi ukuba kwizikhundla zobunkokeli imele ngaphantsi kwe-5% weqela lonke.

Abo ukubona ikamva labo kwi-arhente inshorensi okanye APF kufuneka uzilungiselele ukuqinisekisa ukuba umthengisi ngaphandle izakhono ukuya phambili njenge-arhente akunakwenzeka ukuba baphumelele.

Customer ngempendulo malunga nemisebenzi 'yaseYurophu "

Inkampani enjalo njenge "European Pension Fund" (NPF, AO) ukubuyekeza kwi web malunga nemisebenzi yayo ayenziwanga uzimele - umgaqo-nkqubo in iibhanki kunye noshishino zomhlala ayizange ngempumelelo ngakumbi. Kwelinye icala, policyholders ezinokuba banomdla kakhulu ukufumana indlela ulwazi iphezulu iqumrhu elisemthethweni, abakubonayo njengoko kuyiwa ukudlulisela imali yawo.

Kodwa akusoloko kulula olupheleleyo ngumlinganiselo yomsebenzi ngokunyaniseka. Ngokwahlukileyo koko, umsebenzi wale ngxowa-mali, ngokunjalo namanye amaziko amaninzi engekho phantsi kukarhulumente, i-inshorensi, yeha, akayi kufumana inkxaso ngaphezu kwe-20% kuzo iinkonzo. Bashiya iingxelo elimsulwa, ingakumbi ukuba i "European Foundation" (NPF) ingxelo umxhasi, zokufuna ukuba ikhadi sokufikelela kwi-akhawunti yakho, mkhuba. Le Mboniselo isikhalazo ephambili, phakathi kwezinye reviews abantu inshorensi, abawashiyayo kwi-Internet.

Owesibini umba ezithandwa kakhulu loo nto ivumelane abathengi i arhente ukutyelelwa. Le ndlela yokuthengisa iimveliso inshorensi kakhulu zithandwa na iimali non-wonke, nto leyo, ngokungafaniyo iibhanki, akunguye kumngcelele amakhulu abathengi abanomdla ukutshintshwa ekongeni evela kumqeshi. Kunoko, le arhente ngenkani ukukhangela umthengi usebenzisa iziseko kunye neenkqubo zazo, kodwa, ngokuchaseneyo iminxeba ephumayo, apho abathengi ukuba lula ukuyeka ukutyelelwa - eyona ndlela isebenzayo yokuthengisa r nee-NGOs.

NPF "fund yomhlalaphantsi yaseYurophu" izigxeko umthengi kumsitho ukwala imveliso insurance sithabathela ingqalelo, kodwa agents inshorensi ke kufuneka zanelise iimfuno engqongqo ngaphezulu.

Phakathi kwiinkalo ezakhayo - fast nge ikhadi lwabathengi buqu, kugxininisa imigangatho yaseYurophu yenkonzo yaye kwangexesha abaqeqeshiweyo uncedo kwedesika inkxaso.

Yintoni eza kwenzeka NPF "European"?

Ngaphandle kwento yokuba web malunga nemisebenzi esiqinileyo reviews "fund yomhlalaphantsi yaseYurophu" umthengi diverge, inkampani isebenza emarikeni kunye nempumelelo ecacileyo, kwaye uyaqhubeka ukuphuhlisa imisebenzi yayo phezu ukuqukunjelwa izivumelwano operatives kunye NGOs.

Malunga yokuba le ntlekele koqoqosho kuba ibulale kuye ukuba Ungakhathazeki - i "umqamelo" mali iya kuvumela iziko ukuhlangabezana neemfanelo zalo, kunye nongeniselo okuthe kwinani labaxhasi umtsalane ingeniso ngakumbi kule nkampani.