Wokuphelelwa kwemibutho inshorensi: ingakumbi iinkqubo

) этих структур вызывает особый интерес. Ekuhlalutyeni iziseko imisebenzi yemali iinkampani ze-inshorensi amatyala (ungonakala) kwezi ziseko umdla ethile. Kubalulekile imiba enxulumene kumhlaba ukuqondwa yenkampani utshonile, le nkqubo nemiqathango ngokuphumeza amanyathelo okuthintela yimali, iinkqubo ezinikezelwa ngumthetho, neminye imiba ezivelayo kwimeko yokungakwazi kwishishini ukuba ukwanelisa amabango tyalwayo ngokupheleleyo.

. Eli nqaku lichaza iimpawu imilinganiselo eentlangano inshorensi.

imithetho

Njengoko bebubalaselisa jikelele amatyala wakhetha amaqumrhu asemthethweni nokungakwazi ukubhatala izibophelelo ukuba abatyalwayo kunye nohlahlo lwabiwo-mali, xa iimfuno zaziza wadibana zingekapheli iinyanga ezintathu ukususela kumhla.

imimiselo Key zichaze iimpawu imilinganiselo kwiinkampani insurance, umisela № uMthetho Federal 127.

amanyathelo othintelo

предусматриваются следующие нормативные инструменты: Ukuthintela amatyala (imilinganiselo) yeenkampani insurance inika izixhobo zokulawula zilandelayo:

• Ukubonelelwa uncedo lwemali wabaseki / nxaxheba yequmrhu elisemthethweni okanye namanye amaziko.
• Utshintsho kwi isakhiwo asethi namatyala.
• Ukunyuka kwemali yesabelo.
• Kuhlela.
• Amanye amanyathelo na akuvumelekanga ngumthetho.

Izizathu ngokuphumeza amanyathelo othintelo

предпринимаются при: Amanyathelo okuthintela imilinganiselo ye kwinkampani ye-inshorensi ukuba ezithathwe:

1. Ukuphinda Ukungaphumeleli ukuhlangabezana nezibophelelo zemali amatyala phakathi inyanga. Ukwala ukuze ziqondwe non-inzaliseko / inzaliseko ngokungafanelekanga ngeemfuno zingadlulanga iintsuku ezilishumi ukususela kumhla origination isibopho, ngaphandle kokuba ezisungulwe ngenye indlela mthetho. Thathela ingqalelo iintsuku zokusebenza kuphela.
2. Izakungagqibeki kwi ukugxothwa iintlawulo mali kwisithuba seentsuku ezili-10 (abasebenzi) ukususela kumhla ukwenzeka kwayo.
3. mali olunganelanga imali intlawulo yokuqala (lwabiwo-mali ngokunjalo), ukuba sele lifikile ixesha lokuba oku.
4. waphula okuphindiweyo yeemfuno isakhiwo kunye nokwakhiwa-asethi, esisekwe-Ofisi yoMphathiswa wezeMali, zingaphelanga iinyanga ezili-12. ukususela kumhla efumanise bezityholo yokuqala.
5. Ukurhoxiswa, ukumiswa okanye isithintelo-mvume oshishino.

Kwisithuba seentsuku ezili-15 ukususela kumhla ukwenzeka kwezi meko zingasentla inkampani yeinshorensi kufuneka athumele kwigunya zokusuphavayiza (bank central) isaziso. Okuqhotyoshelwe kolu xwebhu sisicwangciso ukubuyisela yokuhlawula amatyala. . Ezi zenzo kwenzeka ukuba akukho zimpawu yimali ye kwinkampani ye-inshorensi. Kwiintsuku ezili-30 (zomsebenzi) emva kokufumana isicwangciso esekelwe kwiziphumo zokufunda kwakhe igunya zokusuphavayiza liya kwenza isigqibo sokuqeshwa inkampani yeinshorensi okanye kulawulo wethutyana yokusetyenziswa ngendlela engeyiyo. Kwiimeko ebekwe yi-Ofisi yoMphathiswa wezeMali imimiselo, inokuba kwakhona isigqibo sokuba iqalise on-site nokuhlolwa. Ukukhangela oluqhutywa ngendlela emiselwe ligunya okugada.

Iimpawu ungonakala inkampani yeinshorensi

Isicwangciso Uhlalutyo ukuze kubuyiselwe yokuhlawula amatyala okanye iziphumo on-site uhlolo ndiyibonakalalise iimpawu amatyala. документа представлен в статье). Kwiimeko ezinjalo, umphathi liya kungenisa isicelo bankruptcy ngayo kwinkampani ye-inshorensi (uxwebhu isampuli linikwa kwi nqaku).

Ukuba iqumrhu elisemthethweni uphumeza inshorensi enxulumene kwimicimbi yeemanyano zabasebenzi-inshorensi, okanye enye intlangano elinoxanduva ukutshintshwa imbuyekezo iintlawulo, umphathi kufuneka anike isaziso kwezi zakhiwo phakathi evekini ukususela kumhla elivela kuzo izizathu ngokuphumeza amanyathelo okuthintela ungonakala. Ukubonelelwa efanelekileyo Inqaku lesi-4 fixes. 184,1 yomthetho Federal № 127.

профобъединения несут обязанности и реализуют права, предусмотренные законодательством для финансовых структур. Ngexesha awile ye inkampani yeinshorensi zemanyano zabasebenzi uya kwenza imisebenzi kwaye asebenzise ilungelo olubonelelwa ngumthetho kwamaziko zemali.

ulawulo interim

Ikhutshelwa xa:

1. при отсутствии уведомления надзорного органа об их наличии. izizathu Found ukuphunyezwa kwe amanyathelo okuthintela imilinganiselo ye inkampani yeinshorensi xa lingekho umzimba abaziisuphavayiza wesaziso phambi kwabo.
2. Oko wagqiba ukwenza isicwangciso yokubuyisela yokuhlawula amatyala okanye ulawulo ekumiseleni ngaphezulu ekwenzeni kwayo.
3. iziko elisemthethweni lingasebenzi / engaqhubi ngendlela engafanelekanga ibonisa yesi sicwangciso.

Isigqibo igunya umphathi ulawulo lethutyana ukushukumisa.

iimfuneko zomthetho

Isigqibo ukunyanzelisa ulawulo wexeshana wamkelwa mandatory kwimeko urhoxiso, ukunqunyanyiswa okanye umda-mvume. Izizathu zoku:

1. Ukugcina inkampani yeinshorensi na umsebenzi kungavunyelwa izenzo emisiweyo ye-Russian Federation, kwakunye waphula imiqathango ebekwe phantsi ukuba lilugunyazise.
2. Ukungaphumeleli ukuthobela lombutho amalungiselelo omthetho elawula ishishini inshorensi, ngokwemiqathango yayo indalo kunye nokubekwa mali, egciniweyo kunye mali ukuqinisekisa ukuphunyezwa iintlawulo imbuyekezo.
3. Ukungaphumeleli ukuthobela imiqathango zenkampani ebekiweyo ukuqinisekisa umlinganiselo yenkampani equity-zabelo 'namatyala gunya, kwakunye neminye imimiselo enxulumene ukuba uyayilondoloza yokuhlawula amatyala kunye uzinzo kwezemali.
4. Ukungabikho kwemali uhlawule kwangethuba izibophelelo ukuba abatyalwayo kunye nebhajethi.

Inkampani yeinshorensi unelungelo lokuba umngeni isigqibo esithathwe yi ligunya abaziisuphavayiza kwi ulamlo okanye inkundla wolawulo ngokubanzi. Kulo mzekelo, inkqubo yokubhena ayizukumisa umsebenzi wolawulo yethutyana.

zimpawu ungonakala

Bona asibeka Art. инициируется, если: 183,16 Federal Umthetho inombolo 127. kwiinkqubo wokuphelelwa iinkampani ze-inshorensi kuqalisiwe ukuba:

1. Imali leempawu amabango angeniswe yi tyalwayo kwi izibophelelo emali, intlawulo yokuqhawula inkonzo intlawulo okanye ahlawule abantu abasebenza (abaqeshwe) kwiimvumelwano zabasebenzi, okanye ityala ngokupheleleyo phambi kokuba ibhajethi ayikho ngaphantsi kwe-100 lamawaka. P., Yaye ezi mfuno ayifikelelwanga kwisithuba seeveki ezimbini phambili umhla lokubulawa kwabo. Izinyanzeliso ukuba abasebenzi balo ngexesha elinye kufuneka uqinisekiswe izinto enkundla, ukuba angene ukusebenza.
2. Elingayizalisanga isigqibo yolamlo okanye yinkundla wolawulo ngokubanzi, elikhuphe IL (an lokubulawa) ekunyanzelisweni nesigqibo senkundla ulamlo ukuba luyakuvala kwi kwiziko zemali ezinkozo. Isixa amabango amatyala 'kule meko Akukhathaliseki.
3. Ixabiso le propati / asethi unganelanga ukuhlangabezana nezibophelelo ukuba abatyalwayo kunye nebhajethi.
4. Imisebenzi yolawulo wokhuseleko wethutyana Musani ukuya kwakhona yokuhlawula amatyala.

Isicelo isampulu bankruptcy kwinkampani yeinshorensi

Igunya lolawulo iya kubonisa kuxwebhu:

1. Igama wenkundla, apho wakhonza.
2. Igama lenkampani ye-inshorensi, idilesi kunye nokuchonga ulwazi. Le yokugqibela kuquka inombolo ungeno kwi registration ubume amaqumrhu asemthethweni, VAT.
3. ulawulo Igama isakhiwo kunye nedilesi.
4. Isixa amabango phantsi amatyala, isixa setyala malunga neentlawulo-mali, ixabiso asethi (ipropati) okanye ezinye iinkcukacha eziphathelele kwinkqubo.
5. Igama elipheleleyo umphathi kulamlo lokugqibela, igama kunye nedilesi ye-self-regulatory framework apho oko kukuthi, okanye igama lombutho, kumalungu apho kufuneka lwamkelwe, idilesi yayo.
6. Uluhlu lwezicelo.

Isicelo Administration ethutyana aya siqulathe ulwazi kakhulu efanayo, ngaphandle inani lamanqaku:

1. Endaweni yoko, igama webhunga lolawulo lubonise F. IO yintloko yolawulo yethutyana, idilesi apho kuya kuthunyelwa imbalelwano, iinkcukacha kuxwebhu eqinisekisa ukuba imvume umntu kwesi sikhundla.
2. Igama self-regulatory isakhiwo kunye nedilesi yayo abonisa ukuba yintloko yolawulo yi Trasti ngo ungonakala.
3. Ulwazi malunga candidacy le yimali trustee, ukuba ngokungqinelana kunye nenani Federal uMthetho 127, Asiyiyo Insurance Agency idiphozithi.

Kwizihlomelo eziya kwi isicelo

Ngaphandle kwamaxwebhu, uluhlu apho Iqinisekile APC kwisicelo:

1. La maxwebhu kuMgaqo kwinkampani ye-inshorensi, iSt kobhaliso karhulumente ubume iqumrhu elisemthethweni.
2. Phaya kwibalance sheet ngomhla ingxelo yokugqibela okanye uxwebhu obambeleyo.
3. Isakhiwo Solution yeengxelo ulawulo kwicala ulamlo wenza ixesha kwangaphambili ukuba FZ № 127 kokuba ugqibe ukuba kufuneka uthathe ulawulo ngokwayo.
4. ngokubaluleka ye-asethi kwingxelo inkampani yeinshorensi, eyenziwe Umvandlakanyi (ukuba xwebhu ikhona).
5. Isiphelo kwi imeko yemali kwinkampani ye-inshorensi, ukuba isicelo singeniswe ngokungqinelana ne Art. 183,13 ngenani Federal uMthetho 127, okanye ingxelo ngomsebenzi wolawulo malunga okwethutyana, ukuba isicelo sithunyelwe enkundleni ngokungqinelana ne Art. 183,14 loMthetho efanayo.
6. Namanye amaxwebhu kubekiwe ngenani Federal uMthetho 127.

Ukwamkelwa kwesicelo

Iikopi ngesigqibo ulamlo ukwamkela isibheno emaziqwalaselwe kwi-sicelo, inkampani ye-inshorensi kunye nomzimba yokuzolusa ungadlulanga umhla wama ngosuku olulandela umhla kunikezelo yayo. isakhiwo esomphathi, nayo, ithumela ikopi inkcazo ngumbutho elawula kunye Arhente Insurance idiphozithi.

amacala

осуществляется в арбитражном суде. Ulingo lwe imilinganiselo kwiinkampani insurance lwenziwa enkundleni ungonakala. Kulo mzekelo, sebenzisa amalungiselelo Aic kunye nenombolo Federal uMthetho 127.

Declaration siqaphela inkampani yeinshorensi utshonile yamkelwe yinkundla phambi uphawu ubuncinane omnye, ngasentla. при оценке финансового состояния учитывается ее обязанность по осуществлению компенсационной выплаты, а также по отчислению части премии при досрочном прекращении договора страхования. Kwimeko yimali kwinkampani yeinshorensi xa ehlolisisa imeko yemali imfanelo yayo ukuze bakuthathele ingqalelo ukuphunyezwa intlawulo zembuyekezo, kwakunye agxothwe ipremiyamu ekupheleni kwexesha lesivumelwano inshorensi. Isinyanzelo ukuba kumiselwa ngumthetho federal, oqale ukusebenza umyalelo wenkundla okanye isivumelwano inshorensi.

по обращению временной администрации продолжительность разбирательства не должна превышать 4-х мес. Xa kuqalwe inkqubo yi kwinkampani ye-inshorensi kokuphatha ulawulo yethutyana ngexesha inkqubo iya kuba ngaphezu kweenyanga 4. umhla isicelo siqwalaselwe. Ngeli xesha iquka ixesha elabelwe nokulungiselela izinto kunye nezisombululo nokunikeza.

bokuqonda

Kwisimo esisiso ityala kunye nenkqubo yolawulo lwangaphandle kuchaziwe ngenani Federal Umthetho 127, musa isicelo.

Xa uchwayitile yi ulawulo lwethutyana ukulungiselela unyango yemveliso ngenxa yokungakwazi ukubuyisela indlela yokuhlawula amatyala ngayo inkqubo yokubeka esweni yenkampani akukho wabelwa.

sirhoxisiwe isivumelwano

Ekufikeleleni isigqibo malunga ingqalelo wenkampani ongenamali yinkundla kunye ekuqaleni zingekho. ingaphelanga inyanga enye ukususela kumhla wokufunyanwa kwesaziso i-inshorensi ukuze rhoxisa ikhontrakthi inshorensi unilaterally.

Kulo mzekelo, anelungelo kwinxenye ipremiyamu ehlawulwa yinkampani kwelo lizwe, kuba ixesha elingekapheli le isivumelwano okanye intlawulo kwetu.

intlanganiso babatyalayo '

Amalungu ayo amagunya anobuchule babatyalayo imilinganiselo ogama amabango zifakwa kwirejista ngomhla wentlanganiso. Ezi zifundo kufuneka ilungelo lokuvota.

Kwintlanganiso ngaphandle amalungelo okuvota ungakwazi ukuthatha abameli inxalenye:

• abasebenzi sonetyala;
• amalungu / abasunguli;
• self-kulawula umbutho, nto leyo ophathiswe ezikweletini;
• umzimba wokongamela.

Aba bantu isinyathelo imiba zifakiwe kwi-ajenda yentlanganiso. Njengoko umthetho, idilesi apho intlanganiso babatyalayo 'eMoscow phezu ngeziphumo ilamle imilinganiselo iinkampani ze-inshorensi - Big Golovin Pereulok, 3, Bldg .. 2 (kumgangatho 2).

Ukutshintshelwa portfolio inshorensi

Abaxhamli kunye inshorensi kufuneka aziswe wolawulo lwethutyana, yimali trustee, okanye (ukuba abathanga ababelwe) inkampani ezininzi insurance malunga ukutshintshwa ezayo yepotifoliyo. Phawula kupapashwa ngendlela emiselwe Art. 28 F№ inombolo 127, ungadlulanga owe-inyanga phambi kokuba le nkqubo.

Xa isaziso le ngcaciso ilandelayo kufuneka abe khona:

1. Igama lenkampani, ukuba ukudluliselwa kwesikhundla insurance, inani lobhaliso karhulumente yemeko iqumrhu elisemthethweni, inombolo VAT, idilesi.
2. Izizathu zokwenza imicimbi.
3. Ulwazi malunga nokumiswa / isithintelo kwamagunya izakhiwo yesigqeba yombutho, isikhundla ekudluliseleni.
4. Igama lenkampani solawulo, ezichaza iimpawu (Inn, inombolo yobhaliso zikarhulumente), idilesi.

SK "Investment and Finance"

NgoJulayi ka-2016 yi ngesigqibo Central Bank namandla imizimba elawulayo yenkampani Kumiswe. Ngo-Oktobha waloo nyaka, kwakukho iingxelo malunga ekurhoxisweni-mvume kwinkampani ye-inshorensi "Investment and Finance". предприятия было инициировано временной администрацией, назначенной ЦБ. Wokuphelelwa lweshishini lwaqaliswa yi kulawulo wethutyana oqeshwe yi-Central Bank.

Isigqibo sokurhoxisa ilayisenisi kwakubangelwa:

1. Inkampani owenza izenzo ukuba zichasene nomthetho Russian.
2. Ubukho unqandayo kwi zokwahluka ithuba elimiselwe ukuzivela okutshiwo mimiselo.
3. Ukungaphumeleli kwemimiselo Central Bank.

Xa ulwazi yokuqala malunga nokwenzeka sunguleni iinkqubo malunga abathengi yenkampani kunye namaqabane kucetyiswa ngokukhawuleza kangangoko kunokwenzeka xa wayebhalela ukukhupha iimfuno kwaye wathumele kwinkundla kulamlo lokugqibela.

SG "Uralsib"

Isicelo yokuqala ukusuka abantu ukwenzela ukuqaphela iinkampani matyala waya enkundleni ngoDisemba 2016 Januwari 31, 2017 kwafakwa ubizo yokuqala iqumrhu elisemthethweni.

Uphando lubonise inani labathathi-nxaxheba zemarike, ityala le nkampani ukuba amahlakani ayo ukuba amashumi eziliqela ezigidi engange.

analysis ingxelo ngo-2015 lwabonisa ukuba lo mbutho sele usebenza iminyaka emibini ilandelelana ngokuthe tye ezimbi. impahla zenkampani ekupheleni konyaka zibe ngaphantsi kwe iimfanelo engange-2,9 ezigidi. Ukongezelela, ngoku imimiselo Central Bank yokuhlawula amatyala imajini waphulwayo, ukubekwa kokulingana kunye inshorensi loovimba.

08.11.2016, oko kuphela mvume SG "Uralsib" ngokusilela ukuhlangabezana neemfuno Central Bank.

Ekupheleni January, oko kuqinisekiswa ngokohlengahlengiso ukuthembeka yenkampani kule B ++.

Ngokutsho kweengcali, ngexabiso eliphantsi loo ukusilela unxulunyaniswa iimfuno zolawulo kunye nexabiso yeNgxowa-negative ukuphambuka umda yokuhlawula amatyala le norm lusekiwe.

Iingcali waphawula:

• imbuyekezo elibi ubulungisa kunye nempahla;
• ukuncitshiswa ngemali yakhe;
• inshorensi ezimbi, kuxoxwa yokuhlala ezilandelelanayo 4 ngaphandle sum lilonke;
• Ukunciphisa iintlawulo;
• amatyala ephantsi (ROI) lotyalo-mali kunye nokunciphisa magnitudes zabo;
• umlinganiselo ophakamileyo kokufunyenweyo kunye ezihlawulwayo-asethi, njl ..

Kuthiwa ukuba amarhe imilinganiselo ye inkampani yeinshorensi "Uralsib" Sasihamba ixesha elide. Le nkampani - yinxalenye-asethi ebhankini "Uralsib", nto leyo ekwindla ka-2015, le nkqubo lwaqhutywa kunye inxaxheba iintloko ukuphucula "Neftegazindustriya" Vladimir Kogan kunye Arhente Insurance idiphozithi.

SK "eMoscow"

NgoMeyi 24, 2017 ulawulo wethutyana ukusebenza entlanganweni. NgoJulayi 20 Ingxelo malunga nokuqaliswa zingekho. ibhalisiwe kwi yoLamlo Court of eMoscow. inkampani yeinshorensi "eMoscow" mvume walahlekelwa ngemini elandelayo - Julayi 21, yena Waziqhiwula CB. Le nkampani Akuvunyelwe ukusebenza kwi ngokuzithandela inshorensi kunye nepropati, kunye MTPL.

Isigqibo eso sathathwa ngenxa komlawuli yi tsandzeka ku ukuphelisa singadlulanga isithuba esimiselweyo i Central Bank of zokuphula amalungiselelo omthetho elawula ishishini inshorensi, ngokunxulumene ukuqatshelwa apho mvume emsebenzini.

Ingakumbi, le nkampani na neemfuno zanelisiwe ngenxa yokuhlawula amatyala kunye uzinzo lwemali yinxalenye nokudalwa koovimba-inshorensi, hayi iimeko kunye nenkqubo imali ebekelwe kunye nemali yakhe.

Ngokutsho Central Bank, isixa sentlawulo kwinkampani ye-inshorensi ngo-2016 ngaphaya engange 1.6 billion., Ke Imali pakani 596,7 yezigidi.