NPF Sberbank: ncomo. NPF Sberbank: inzuzo

Pension - kuphela lilungelo leZiko eliQinisekisa RPF, kodwa kukho inani elikhulu imibutho engekho phantsi korhulumente profile efanelekileyo. Enye edumileyo - NPF Savings Bank. Yini ephawula imisebenzi ingxowa-mali yomhlala-phantsi yabucala? Yintoni bathi ukubuyekeza umthengi? Yintoni na indawo mali kwezi zixeliweyo?

Yintoni ingxowa-mali yomhlala-phantsi

Ngaphambi kokuhlolisisa le pension non-karhulumente ingxowa-mali ye-Savings Bank, kuya kuba luncedo ukuba baphathe kuphambuko encinane theoretical kumxholo iphambili yale magazini. Loluphi uhlobo lombutho - i NPF? mali yomhlala-phantsi yabucala - ukuba nkcukacha yomsebenzi wabo kunye nenjongo kwiziko lenu?

Eyokuqala SPC wabonakala 90, kodwa ixesha elide abazange bafumane lonikezelo ngokubanzi. Lukwa enye ukuya umbutho karhulumente - i-Russian Pension Fund, nto leyo eyaba ngumasipala othabatha isikhundla ngokwasemthethweni isakhiwo esifanayo, leyo yasebenza kwi-USSR. Ukudalwa mali yabucala kwaye bizela, ngokutsho iingcali, umnqweno kukarhulumente ukunciphisa umthwalo mali. Njani?

Isibakala sokuba isambuku izibophelelo yomhlalaphantsi karhulumente kubemi balo, ngokusekelwe kwi-nkcukacha kwinkqubo yokhuseleko loluntu ezikhoyo Russian Federation, kungenxa lokusekwa inxalenye inkxaso ye iintlawulo. Isiseko yinxalenye ukuzibophelela incinane kakhulu - urhulumente zaso kuthatha ngaphezu.

imali yomhlalaphantsi Private, ukongeza, kwiimeko ezininzi, zibe kumgangatho ophezulu yentlawulo tivi kungenxa ezisebenza imali iintlobo ezahlukeneyo ze-asethi, inxaxheba ukuthenga nokuthengisa lwamaphepha kunye nezinye iintlobo zemisebenzi yorhwebo esemthethweni. Njengomgaqo, imali yomhlalaphantsi ngenxa yale njongo basebenzisane kunye neenkampani zolawulo, izinto ezo olawula eli hlobo izicwangciso zemali.

imali Pension oovimba akhuselwe ngokwaneleyo umthetho. Ukongeza, iikhrayitheriya zokwamkelwa imisebenzi NPF ngoku kakhulu engqongqo, nangenxa emarikeni nje awukwazi ukulishiya inkampani, leyo ingozi ungonakala. Ke kaloku eRashiya kukho ezinkulu NPF ezimbalwa elinesibini. Phakathi kwabo - ye pension non-karhulumente ingxowa-mali ye-Savings Bank. Zeziphi ezi nkcukacha yemisebenzi yayo? Mkhulu kangakanani isivuno APF ukuba Savings Bank ngo-2013 yaye kulindeleke ngo-2014?

Overview

Makhe sifunde ulwazi jikelele kwi-mali okhankanywe. Umsunguli NPF - Sberbank of Russia, iziko inkulu zemali kwilizwe lethu. The Foundation wadalwa ngo-1995, kwiminyaka emi-3 emva kokupapashwa ummiselo uMongameli we-Russian Federation, ezaba imithetho yokuqala yezomthetho elawula izinto zenkampani.

Le ngxowa-mali yomhlalaphantsi idityanisiwe Association ezifanelekileyo zikazwelonke. Ngokutsho arhente ezininzi analytical, ngokukala NPF Savings Bank - enye liphezulu kuluhlu yezenzo-mali yomhlalaphantsi non-karhulumente. Ngokutsho komnye imibutho likhulu ezakha uqikelelo ahambelanayo,-mali oluthembekileyo ezona. Ngokukodwa, ezi zithuba eyamkelwe ziingcali ze-Arhente Rating yeSizwe, kwakunye kumaqela anjenge "Expert RA".

NPF Savings Bank of the Russian Federation libhekisela amaziko zicalulwa njenge "fund isiphelo open-." Iziko linikezela ngoluhlu izikimu pension kunye nemigca zoshishino ngamnye. Ngokukodwa, isivumelwano inkonzo ukungena abemi (phakathi kwi-inshorensi esisinyanzelo kunye nokubonelela inxaxheba kwiprogram ka-co-mali) kunye nemibutho esemthethweni. Ukuba nokwenzeka ekuqukunjelweni izivumelwano iimeko ngamnye lwenziwe phantsi apho isicwangciso yomhlala wena, imiqathango efanelekileyo imithetho.

NPF ethetha Savings Bank inokufunyanwa phantse naluphi mmandla Russia. Le ngxowa-mali yomhlala - enye edumileyo kwi Russian Federation, amasebe awo zimelwe kweli lizwe kwiimeko ngokubanzi. Eyona misebenzi iphambili ye SPF lwenziwa nge-ofisi inkampani engumzali i-, ngokunjalo ngalo ukubandakanyeka kwezibonelelo network arhente.

isakhiwo solawulo

isakhiwo solawulo Umbutho Higher kaThixo - yeBhunga Foundation. Ngokwemiqathango yalo of reference yimiba qhinga kunye nolawulo lulonke umsebenzi kwiziko. IBhodi Fund nayo ekuphuhliseni iintlobo ezahlukeneyo amaxwebhu olumisiweyo, ngokutsho izicwangciso zolawulo oovimba pension, ulindele inzuzo kunye neminye imisebenzi zemali.

Xa isakhiwo kulawulo NPF Savings Bank kwakhona iKomiti yoPhicotho langoku. It is run ulawulo phezu imisebenzi yezoqoqosho lombutho. Oqeshwe yiBhodi leKomiti Foundation. Kwakhona isakhiwo umbutho iBhodi yeTrasti. In kwakhe nekhono - lokongamela ye- ukuthotyelwa komthetho. Njengenxalenye yale Bhodi ye Trasti noo- abakhoyo abaxhasi mali.

kuhlela

Ngo-Apreli 2014, iNgxowa-mali iye ngokutsha waza wafumana iwonga elitsha bombutho osemthethweni. Ngoku kuthiwa ngokusesikweni "NPF Savings". Ngaphambi koku, le fund waba iwonga "umbutho ongenzi nzuzo lokhuseleko loluntu." Onke amalungelo nezibophelelo NPF, ekusebenzeni kwi-sikhokelo endala karhulumente, uwele ayitshintshanga kulo mbutho, leyo isebenze njenge nkampani imfuyo ngokuhlangeneyo.

Ixabiso eyinkunzi eligunyazisiweyo Savings Bank of NPF njengenkampani - million 150 engange. Ukwabelana ephethwe yi umsunguli. Oko kukuthi, i-Savings Bank of Russia. Corporatization-mali, ngokutsho iingcali, ngenxa neemfuno ezintsha zomthetho. Ngokutsho kwabo, phambi January 1, 2016 bonke SPC ukuba imisebenzi yayo basebenza kwi profile-inshorensi pension mandatory, kufuneka similise iinkampani ngokudibeneyo stock. Ukuba SPC liyasebenza, edibanisa operatives kunye nolungiselelo zabucala, ingxowa-mali kufuneka kuyilwa, nto leyo inxaxheba kumsebenzi kwicala wokuqala kuphela. Ngenxa yoko, imali yomhlalaphantsi, ogama umsebenzi edibene ubonelelo non-karhulumente, ngokuxhomekeka inkampani imfuyo joint ngaphambi January 1, 2019. Ukuba mali musa ukugcina ngaphakathi uhlobo olufanelekileyo noguqulo ngexesha imida emiselwe ngumthetho, baya kuphela.

bebephethe

NPF Savings Bank - umbutho ixesha ukufumana okuninzi amabhaso mboni yokusebenza kwayo. Zeziphi onokubonwa kwindawo yokuqala?

Ngo-2013, umzekelo, ingxowa-mali iye imbasa yidiploma ezazidumile-arhente "Expert RA" (lowo eyenza amanqaku kwemali). Nomination - "Kuba uphuhliso ingxelo yomhlalaphantsi yabucala." Kulo nyaka NPF Savings Bank wafumana enye imbasa. Libizwa ngokuba "Financial Elite of Russia". Nomination iyalila "Kukho unxulumano yophuhliso."

Ngo-2012, NPF Savings Bank kwakhona esikhutshwa ngu "Expert RA". Kodwa ke yokutyumba lahlokoma eyahlukileyo - "izinga eliphezulu lokukhula kwisiseko sabathengi of SPC". Kulo nyaka, SPC wafumana imbasa "Olympus Financial 2011". yokutyumba ehambisana Yayingathi "Firm Uthutho nokuStorisha Utshintshiselwano". Kunikwa ngendlela udidi ekhethekileyo, leyo kuthiwa "Kukho unxulumano kunye nokusebenza."

Ngo-2011, i-Savings Bank NPF wafumana iidiploma ukusuka 'Expert RA ". Ngaphezu koko, ngo iindidi eziliqela. I wokuqala - "izinga eliphezulu lokukhula kwisiseko sabathengi." Elesibini - "Kuba ukuphucuka kukuthembeka."

Ngo-2010, njengoko oko kungqinwa data evela kwinani kwimithombo, NPF Savings Bank yaba umbutho kuphela lentsimi yayo, yona ibe yeyona iphuma yesahlulo "Company of the Year". Nomination Yayingathi "Finance". Ukongeza, kulo nyaka-mali wafumana i "Finance 2010". yokutyumba ehambisana kwakungathi "Kuba qhinga umbono."

Ngo-2009, NPF uye waba umbutho kuphela lentsimi yayo, leyo wawongwa "Financial Olympus". Nomination elizongomayo, "Strategy Management mali yomhlalaphantsi". Ngo-2008, i-Foundation wafumana ibhaso "Le Count Guryev" ngegalelo lakhe elikhulu kuphuhliso lwamashisini kwakho. Ngowe-2007, NPF uye wawongwa "Financial Olympus". Nomination elizongomayo, "Strategy Management mali yomhlalaphantsi".

abasebenzisi izimvo

Kaloku, bebephethe NPF Sberbank ngokwaneleyo. Kodwa indlela angqamane ingxelo umthengi? Yintoni ubuntu esilawulwa kushiywa ngabo kushishino online nezinyuko ncomo? NPF Savings Bank - ethembakeleyo, olusekelwe phezu kwengxelo zabathengi, isakhiwo? Umbuzo edidayo. Kodwa sizama ukunika isikhokelo impendulo kunokwenzeka.

Ukuba uthathe nje ngesiseko novavanyo NPF Savings Bank ncomo abathengi 2014 okanye kwiminyaka edlulileyo thina, amaqela amabini izimvo zingahlukaniswa. Lokuqala - i negative cala-. Yesibini - HIV. Ngokuphathelele lo wokuqala. Abantu Ndathanda ukufumaneka kunye nomgangatho kweziseko ezingundoqo zenkonzo, eyenziwe yi Sberbank. Uyakwazi ukuya naliphi isebe leziko mali ezichaphazelekayo ibhanki ze ucele nayiphi na imibuzo ngokuphathelele umsebenzi NPF, ukusombulula yokuntsonkotha asakhasayo. Noko ke, njengoko kuqatshelwe abanye abathengi, inqanaba imbopheleleko specialists amanye amasebe ukuba abe kakuhle ngenxa indlela zange ziphuhliswe ngokupheleleyo intsebenziswano ye Fund kunye ukuseka isakhiwo yayo akusoloko phezulu. Kwaye - ezinye negative, nto leyo ebonakalisa iimpendulo. NPF Savings Bank ngexesha elifanayo adunyiswe manufacturability (kamva siya ukuvula le ezincinane). Qaphela umgangatho ophezulu ingxelo. Ngokomzekelo, ekupheleni abathengi kufika unyaka kusoloko amaxwebhu iinkcukacha ibonisa NPF Sberbank yintoni isivuno kangangexesha elithile. Olu hlobo ingxelo zinakho sibenokubizwa njengendawo eziqhitsini HIV. Kwakhona kolu didi kukho izimvo ezibonisa umgangatho ophezulu-arhente, babhunga, ephetha abemi contract service pension. Nangona, njengoko kuqatshelwe yi kwezinye iingcali, inokuba alidityaniswanga ngqo le nkqubo nabasebenzi Savings Bank.

Malunga uluvo loluntu ngokuphathelele umsebenzi-mali akakwazi ukuthetha ncomo client kuphela. NPF Savings Bank ekhoyo kwiqela ebizwa ngokuba "mlinganiselo Abantu," oluqulunqwe ezithile ezikumaziko ewebhu shishino. Kulo mzekelo, njengoko umthetho, umgangatho wenkonzo kuqikelelwa. isikhundla mali ethile ngexesha elifanayo zahlukile kakhulu kwiinguqulelo ezahlukeneyo ratings.

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Enyanisweni, ngoku kwi umba ebonisa izibonelelo yangoku. Ngaphezu sibonile ukuba umsebenzi NPF Sberbank ngokwaneleyo technologized - kwaye ziphawuleka yokuqala bonke abathengi. Ikakhulu kuziwa kwiindlela online yentsebenziswano kunye mali abatyali-mali. Yiba umxhasi ngalinye NPF Savings "Akhawunti Yam", nto leyo kungafikelelwa ngokusebenzisa browser. Ukongeza, ukuba isicelo sobhaliso kwinkqubo NPF iinkonzo ezintsha kwakhona ngokusebenzisa website lwequmrhu. Kwanele ukuskena ifoto, yokundwendwela, SNILS, uze ulayisha kubo ngokusebenzisa ifomu online. Ngokutsho kwezinye iingcali, ubuchwepheshe bale mihla, ezo ibephakathi NPF Savings Bank ( "Akhawunti Yam 'kwindawo yokuqala), ekugqibeleni ibe imboni standard kwaye iza kubandakanya ngokubonakalayo oku kwakhona kwezinye iimali.

inzuzo

Ngoku kwengeniso ngqo. inzuzo Indlela ukunika yomhlala phantsi kolawulo NPF Savings Bank? 2014 uthembisa ukuba inzuzo ngokwesiseko imeko yezoqoqosho?

Okokuqala, iingcali zithi - amancedo nokubambisana mali yomhlalaphantsi non-karhulumente ikakhulu ixhomekeke nkcukacha zemvumelwano kugqitywa phakathi kwabo kunye nabemi. Izivumelwano inzuzo elaziwayo izicwangciso ekuthiwa-ngamnye. Inyaniso ukuba malilungiselelwe eyiyo iRashiya ezincinane - umvuzo "kwiimvulophu". Ukongeza, olu hlobo yokuvumelana abemi kakuhle umvuzo ongaphezu kwemfuneko-47 amawaka engange (njengoko - isiseko wokugqibela kubalwe umrhumo) ..

Ke kaloku, ukuze ezicacileyo. Ngawaphi amazinga lokubuya NPF Savings yeBhanki yalo nyaka-2013? Zekota ngumbutho, - 6,74%. Kuyinto nzima, Kakade, oko kusenokubonakala ezindilisekileyo kungenzeka. Noko ke, ngaphezu kwamaxabiso, nto leyo 6.5% ngo-2013. Kwaye - enye indlela eziphambili ezibangela intsebenziswano kunye NPF, iingcali zithi. Sithetha izinto ngokobunyani bazo, ukuze afumane imali ezinkulu abagcinisa NPF yingxaki. Eyona nto ibalulekileyo - ukukhusela indodla ukusuka kwamaxabiso. Kwaye ukuba APF ukujongana nayo, ngokunjalo neziphumo zemisebenzi yalo mgaqo, unako azivavanywa HIV. Ngoko abahlaziyi wathi. Kaloku, ukunyuka kwamaxabiso ukhona xa usibona iziphumo ka-2013, ukusekwa kobume anempembelelo ezifana Sberbank, NPF. Customer ingxelo ibonisa ukuba intsebenzo ngokubanzi, wanelisa abemi. Nangona, njengoko abatyali kuphawuliwe NPF, kufuneka imali, apho ingeniso ethe xaxa.

Nangona kunjalo, kububulumko ukuba asikhangele komsebenzi, hayi kuphela kunyaka omnye, kodwa iminyaka eliqela. Kuqikelelwa, umzekelo, ukuba ukususela ngo-2009 ukuya kwikota yokuqala ka-2013 isivuno APF Sberbank yaba malunga-70%. Kwaye oko okuninzi, malunga-31% ngaphezulu kwezinga lokwenyuka kwamaxabiso yongeza kubo xesha. Okwangoku, ngokutsho kwezinye amanqaku kushishino, avareji isivuno ngonyaka APF Savings Bank - 7.86%.

amathuba

Ziziphi iingcali zibonwa uqikelelo Fund isivuno? Zeziphi amathuba ukuba nezinyuko amacandelo uza koyisa HIV abhekiswe ncomo yabathengi NPF Savings Bank? 2014 - nzima iRashiya ngokoMthetho zoqoqosho nezopolitiko. Njani le izohlwayo, ukuwa kwamaxabiso e-oyile kunye engange kwi inzuzo mali yomhlalaphantsi yabucala?

Iingcali zikholelwa ukuba yayibaluleke apha - iintshukumo urhulumente Russian. Kungenzeka, abahlalutyi bathi, abasemagunyeni kuya kufuneka basebenze kakuhle kwi Ukuphuculwa esiliqili ngokubanzi sophuhliso loqoqosho kweli lizwe. Ukuba urhulumente akwazi ukumelana nemingeni isuke kokusingqongileyo lwangaphandle, ngoko kukho onke amathuba okuba nakopoleniya abemi NPF uya kukhula ngokwaneleyo ngokukhawuleza.

imiba ngokukala yokusebenza kwezimali

Ke kaloku, malunga ukulinganisa kunye nokusebenza kwemali. Ukuba ndamqu- sinikele ingqalelo kuzo? kangakanani na neemeko kunye umxhasi izijonge kwakhona? NPF Savings Bank of the Russian Federation, njengoko yaziwa, ilinganiswa kwinqanaba eliphezulu kwisikali-arhente "Expert RA". Ngokutsho uqikelelo entsha lombutho, ingxowa-mali iya kuba ukuthembeka izinzile. Kukho nezinye noluhlu, leyo, ingakumbi, ithathele ingqalelo imiba efana kwinani labaxhasi, nenzuzo, nokubandakanya inani izixhobo okuhlalutya ezoqoqosho - ezifana, umzekelo, "Sharpe Ratio". Ngokutsho kwakhe ngxowa-mali kwakhona athathe isikhundla esiphezulu.

Kukho ubungqina bokuba NPF Savings Bank yabonisa okuhambisa ukukhula kakhulu phakathi iinkampani abangakwaziyo kwisiqingatha sokuqala sika-2013. Kukuthenga umthamo-mali beza ekupheleni 2013th kwi phezulu ezintathu. Yinto eyaziwayo ukuba inkampani ekhoyo kwi eziphezulu kwiinkampani 10 profile wayo khrayitheriya ezifana inani labathengi ahonjiswe isivumelwano mandatory inshorensi pension, kwakunye NGOs.

I-avareji Ixabiso wegalelo zabathengi ukuya NPF Savings Bank - malunga 56 amawaka engange .. Eli nani - omnye kakhulu phakathi mali phambili. Ngokukodwa, oko malunga 1.3 amaxesha ngaphezu avareji nemakethe. Emva iziphumo ka-2013 NPF Savings Bank yabamba isabelo lemarike 6,65%. Umthamo imali - ngaphezu kwe-72 billion engange.