Bancassurance: ingqiqo, esi sikhokelo esemthethweni, iimbono kunye neembono. Bancassurance eRussia

Inkqubo zebhanki ezinzileyo - sisiseko ukhuseleko olupheleleyo karhulumente. Enye zokunqika evumela ukugcina uhlobo uzinzo, kukwaziswa kwe-inshorensi yebhanki enyanzelekileyo. Le nkqubo kuhlanganisa umsebenzi ngeendlela ezimbini: inshorensi jikelele kunye nemingcipheko zebhanki ngqo.

Bancassurance eRussia

Phantsi ingqiqo jikelele uthathwa-inshorensi izakhiwo zikaxakeka, ezo iibhanki, impahla, iibhanki, izixhobo imoto, ephethwe ngamaziko zemali, imfanelo yoluntu kwabamnini beepropati xa kuthe zokulahleka kubantu besithathu. Kule uhlobo ikwaquka-inshorensi yoluntu yabaqeshwa (ezempilo, umhlalaphantsi, ingozi, njalo njalo).

Ingcamango bancassurance kakhulu ngokubanzi. Xa siqwalasela apha ukukhusela ipropati ebhankini, ubuchwepheshe bee-computer, izixhobo ze-elektroniki. Kwakhona kuqondwe kunye nobuqhophololo computer. Iingcali kufuneka zibandakanye kwakhona neengozi ezinxulumene nokusetyenziswa amakhadi zeplastiki kunye mboleko, kubandakanywa inshorensi ngokwabo yeemveliso zebhanki kunye software.

Ngoko ke, lo ingqiqo bancassurance kuquka lonke uluhlu lweentlobo-inshorensi kwisigaba yentsebenziswano yamaziko zebhanki ne-inshorensi.

Izizathu intsebenziswano iibhanki kunye neenkampani ze-inshorensi

Imfuneko ukubandakanya iinkampani ze-inshorensi kwicandelo logcino ngenxa yezizathu ezininzi:

• ithuba yokunciphisa imali reserve iibhanki 'mingcipheko;
• ukukwazi ukwenza i injongo yomgaqo-nkqubo namaxabiso kweebhanki;
• ukwehliswa komgangatho yamaziko zemali, iindleko ezinxulumene nakuphunyezo lolawulo lwangaphakathi;
• ukuncitshiswa ubungozi negama egcina imali ngokwabo.

Inxaxheba iinkampani ze-inshorensi kwicandelo logcino iye logic logama nje iinkampani ze-inshorensi iindleko zeenkonzo ayidluli iinzuzo zoqoqosho yomsebenzi wabo. Ukongezelela, iinkampani abanganyanisekanga sinokudala imingcipheko eyongezelelweyo ebhankini.

umthetho Russian kunye nenkqubo-inshorensi zebhanki

isiseko somthetho bancassurance eRashiya bathiwa kunye ukwamkelwa kwe-Civil Code of the Russian Federation. Eyona iqhekeza ephambili umthetho olawula inshorensi kunye bancassurance ingakumbi, kwi-Russian Federation i Code Civil. Le isithuba-mthetho kule ndawo lo mthetho 1992 "Kwi-inshorensi", nto leyo ichaza ingqiqo, abeke phambili iimfuno-nxaxheba zentengiselwano, yakha intsimi ngokusemthethweni zokhuseleko kweliso.

Ingaba imithetho ebalulekileyo elawula ubudlelwane kwi-inshorensi yezempilo kunye pension. A indawo ekhethekileyo kolu ngcelele uthabathe imithetho ka-2003 no-2004 elawula imiba kuphela kweebhanki inshorensi: inshorensi yesibambiso abantu 'kunye Bank of Russia iintlawulo kubantu iminikelo yabo baba kwiibhanki akuphumelelanga.

Ngenxa yoko, sinokuthi isiseko somthetho-inshorensi yebhanki kwi Russian Federation zisekelwe regulatory sikhokelo efanelekileyo elawula ubudlelwane yomthetho zeinshorensi kunye insurer. Ngoko kwenzeka ukuba kwakhiwe ubudlelwane intsebenziswano oluphucukileyo amaziko ezemali kunye neenkampani ze-inshorensi eRashiya.

Iimpawu bancassurance eRashiya

ERashiya, ukuvela kwicandelo logcino wathabatha indawo 90 kwenkulungwane wokugqibela, nto leyo eyakhokelela ekubeni ukuvela ezinye iimpawu kwi intsebenziswano beebhanki kunye neenkampani ze-inshorensi. Ingcambu ezibangela le intsebenziswano kwakusekho imfuneko ukusebenza mboleko ngxaki ekhutshwe ngamaziko zemali. Ngeli xesha, iibhanki ndiqalile inshorensi ngokwabo mboleko, yenze uxanduva ngokubuyisela i mboleko ingxaki, ogama isabelo kwipotifoliyo mboleko iyonke yaba malunga asixhenxe ekhulwini iinkampani ze-inshorensi.

bancassurance ingakumbi Russia musa rhoxisa amalungiselelo ibalulekileyo ukukhusela kwiindawo ezininzi inzuzo zomsebenzi logcino - yokubolekisa. iingozi Namhlanje zebhanki inshorensi Russian ezinxulumene mortgage liboleke abanye; ngenxa umdla egcina imali njengoko abaxhamli. Eneneni, kulo mzekelo, xa umxhasi akakwazi ukuhlangabezana nezibophelelo zawo amatyala, iziko zemali lifumana yonke loo mali-mboleko. Oku kukwasebenza nakwiimeko apho inshorensi yobomi yomboleki xa kukufa kwakhe, kwaye UK ngelo xesha ukuhlawula amatyala ebhankini. Ukongeza, iziko zemali ufumana ikhomishini kwinani amabanjwa kunye kwinkampani ye-inshorensi izivumelwano abathengi lomlambo lowo.

Ngamnye i-inshorensi ibalulekileyo dipozithi. Ngapha koko, wonke umtyali ufuna ukuqinisekisa ukuba imali yakhe ziya kubuyiswa. uphuhliso bancassurance kufuneka kuphuhliso lwe-moya nje iintengiselwano imali. Le nkalo yenkqubo mali iba nefuthe ngqo kuzinzo lwentlalo. Le ndlela qinisekisa imbuyekezo yotyalo-mali kungakhathaliseki majeure amandla ikhuthaza ukubandakanyeka nangakumbi kweemali zoluntu kuqoqosho olunika uphuhliso yayo engaphezulu.

Kuba Russia, olu hlobo inshorensi yeyona ndlela elinemveliso zebhanki, iinkqubo-inshorensi kunye noqoqosho ngokubanzi. Ukudalwa yedipozithi Guarantee Fund abantu bendalo kunye nokusebenza kwayo - linyathelo elikhulu ukuya ukubuyiselwa ithemba loluntu.

yomngcipheko inshorensi abagcinisa xa ungonakala yeziko zemali - inkonzo na ethandwayo eYurophu. Ukuphuhlisa lo kwinqanaba eRashiya. Ngapha koko, umngcipheko kuphela iibhanki ukuba ndiyaniyaleza imali yabo kubathengi, kodwa abantu nokutyala imali yabo kwiziko zemali. kulo mba Insurance uneempawu zawo. Ibhanki nga ukuzikhusela amabango zemali xa kunokwenzeka ukuba inani izizathu ukuba babuyele imali ebhankini ayiyi kuphumelela. Abasebenzisi, ngolu hlobo Ungakhathazeki ngento eza kubakho imali.

Circle of abathengi ibhanki iya kuba ngakumbi kakhulu ukuba iziko mali iya inshorensi amabanjwa kwezivumelwano imali xa amatyala. Ngelishwa, ukuza kuthi ga ngoku, hayi zonke iibhanki bangamalungu kwiNgxowa- inshorensi idipozithi abantu bendalo. Ukongeza, asingabo bonke abathengi bayazi into yokuba umbutho onjalo ikhona. nokubhala Financial - yingxaki enkulu kubantu abaninzi abasebenza kunye neebhanki.

Enye yezona iinkalo asakhasayo kakhulu ngokukhawuleza na amakhadi inshorensi benkampani. Imingcipheko engundoqo kule ndawo yaba manga, intshayelelo ekhohlisayo utshintsho, ilahleko, ubusela.

Akukho ngaphantsi imfuno bancassurance yi ekuthiwa-mthetho zekhompyutha, ezibandakanya ukhuselo yeenkqubo zekhompyutha, iinkcukacha-elektroniki kunye nabakhi zabo. inshorensi Bank kuxhomekeke ekubeni ixabiso ukuba amaziko ezemali bathathe yokugcina: cash, izibambiso, amatye anqabileyo, izinyithi, kunye nezinye obuciko.

Kwakhona ngokubanzi zobungcali inshorensi liability abasebenzi ebhankini, nto leyo evumela abathengi ukuba abuyekeze ilahleko ngenxa izenzo ezithile kukho iingcali zoqoqosho kwiziko lemali. Izivumelwano zixhaphakileyo igqitywa ngokuphathelele bemali kunye thamsanqa. Esi siganeko inshorensi inokuba yinto yabantu, nto leyo ebonakaliswa umonakalo umxhasi ngenxa Kwingcingane iimpazamo izibalo ekubaleni izinga lotshintshiselwano, iintlawulo inzala, iintlawulo zebhanki, ukonakaliswa kwempahla, njl

Iintlobo bancassurance zahlukahlukene kwaye zizakuxhomekeka umthamo imisebenzi kwiziko lemali. Firm neqabane yobungcali inshorensi, nguye ngetyala kakhulu trust.

Yintoni kubalondolozi ngengubo Bond?

Ilizwe umseki ekuqalisweni kwe-inshorensi yebhanki lweengozi kunye nophuhliso imilinganiselo yayo ezingundoqo-United States of America. Lo mgaqo-nkqubo wokuqala inshorensi mingcipheko zebhanki wayilwa phaya kude 1911. practice World bancassurance negalelo ekuveleni zebhanki esimbaxa umngcipheko inshorensi.

Bancassurance kwelinye lwenziwa ngokusebenzisa inkqubo ye-inshorensi olubanzi iingozi yebhanki ekuthiwa kubananisi Ingubo Bond. Kuthetha ukuthini ukuba ibe? inshorensi olubanzi iingozi yebhanki echazwe olusenza sibe iintlobo angasentla kweebhanki inshorensi-nkqubo omnye. Uninzi amazwe aphuhlileyo kwakhona ngqo izinqumo, guarantors engoma of the American Association for iibhanki United States. Inyaniso leyo wamnika ekuqaleni ukuya kuphuhliso inshorensi ezibanzi, ipolisi ye-inshorensi iyilwe kwinkqubo yokhuseleko ehlanganisiweyo Melika ukuya I kweMfazwe Yehlabathi, yayiqinisekisa eyinkunzi lomlambo evela ilahleko. Ukuza kuthi ga ngoku, kuphela United States kunyaka ngamnye ikhutshwa phandle kugqitywe esingekho ngaphantsi kwe amawaka amabini policyholders iibhanki ezibanzi inshorensi.

Kubalondolozi ngengubo Bond ngokuphathelele Russia

Nakuba kufaneleka ngamazwe iibhanki oluntsonkothileyo umngcipheko inshorensi BBB eRashiya, ngelishwa, ukuba kude ekubeni ngokupheleleyo kwaye kunethuba elikhulu kuphuhliso. Bakhetha olu hlobo lwe-inshorensi yinto yokuba ukusetyenziswa kwenkqubo ezinjalo kuvumela icandelo logcino ye-Russian Federation ukuba bahambelane nemigangatho yamazwe ngamazwe. Oku, ukutsala utyalo-mali oluvela kwamanye amazwe.

Noko ke, kukho bancassurance eRussia asisiso ipakethe BBB. Yeyona ukhuseleko lwepropati, ubutyala yobuciko yemvumelwano. Le umyalelo kungenxa imfuneko isisombululo olubanzi imiba emininzi kwaye yenza ulawulo olululo iingozi.

Ukongeza, i-inshorensi ukunyaniseka abasebenzi yebhanki ', okt ukukhuselwa amaziko zemali ukususela ngokulahlekelwa ngabom okanye bengenzi ngabom, kunokubangela Specialist yayo. Nangona ukubaluleka kwale mveliso inshorensi, nekhulu ekhulwini ukuphelisa umba babantu ayinakuba priori. Bhalisa amaxwebhu onke amathuba yokungenelela kwabantu kwiziko logcino kunzima kakhulu. Olu hlobo inshorensi kufuna iziko zebhanki Kwathi uphicotho, nto leyo eza kubeka esweni ngakumbi amathuba kokuzifaka lahleko kubo.

Enye yeendima-inshorensi olubanzi i-inshorensi ipropati BBB iibhanki: ngaphakathi, nezinto eziphathekayo, ubugcisa, imali, izibambiso.

BBB ikwabonelela inshorensi nxamnye ilahleko ekungenwe kuzo Bank ekuphumezeni imisebenzi amaxwebhu zomgunyathi. imisebenzi enjalo zahlulwe iintlobo ezimbini: ubuqhetseba kunye iitshekhi kunye namaxwebhu elinganayo; izibambiso yobuqhophololo (imisebenzi kunye engamaphepha zomgunyathi).

Iimfuneko iikontraka zokhuseleko kwi-sikhokelo BBB

Ngokusekelwe kungentla, kufuneka kuqondwe ukuba BBB yinkqubo odityanisiweyo we-inshorensi iya zemali iingozi, eyenkundla impahla kweebhanki. Ngoko ke, umthetho i-Russian Federation lilawula endle leswaku olu hlobo lwe-inshorensi ubeka iimfuno ezithile kwi iziko lamatyala mvume ukuqhuba iinkonzo zebhanki. kufuneka:

• kule mvumelwano inshorensi ucacise onke amasebe ezihlawulelwayo le-inshorensi;
• sihlale sikhumbula ukuba imvumelwano azisayi kwandiselwa imibutho zebhanki angawabantu abamnyama ngokungaphelelanga yi-inshorensi;
• cinga ukuba ilungelo ibango isiganeko benefits le polisi uye ithatha.

Ngenxa yoko, i-inshorensi kufuneka mvume-inshorensi nezakhiwo amaqumrhu asemthethweni kwaye abantu, ngokunjalo nemingcipheko zemali kunye noshishino.

Ngeempawu eziyingozi zebhanki ekulungiseleleni i-inshorensi BBB

iingozi ekwabelwana ezingundoqo ezongezelelweyo. Imingcipheko engundoqo Zakwantu ziquka ubusela, ukonakaliswa kwempahla ngaphakathi ebhankini ngenxa zokonakaliswa okanye umonakalo ngabom ngamaqela esithathu. Oku kuquka umonakalo ngexesha izithuthi.

Cinga imingcipheko eyongezelelweyo ezinxulumene ne ekuchongweni amaxwebhu enkohliso yi-inshorensi yomntu wesithathu. Ngaphandle ngokuhlawulwa yembuyekezo-inshorensi ezidibeneyo up imiba enxulumene ne umonakalo izixhobo zekhompyutha, iinkqubo zekhompyutha, nedatha yekhompyutha. Kulo mba, iibhanki Russian, umkhuba ukuthenga-inshorensi ezongezelelweyo, ezenzelwe yokugubungela ilahleko inshorensi ulwaphulo-elektroniki. Isenzo esinjalo bayagwetyelwa ngaye. Lo mgaqo-nkqubo lugubungela phantse zonke umonakalo obangelwe iinkqubo zekhompyutha kunye idatha yazo. Ezingaqukwanga liability insurance ngayo nayiphi na ilahleko zeinshorensi evela imililo, abagrogrisi.

Ukusebenza kwekhontrakthi inshorensi kwi BBB yahluka-avareji ukusukela kunyaka omnye ukuya kwiminyaka emihlanu.

iingxaki inshorensi yomngcipheko logcino

Ngokunxulumene nengxaki neyezoqoqosho kwezinye iinkalo inshorensi kwiibhanki zasekhaya. Iingxaki ingasombululwa. Eyokuqala, yintoni utshintsho ezichaphazelekayo ntlekele, ixabiso nkqubo inshorensi. Ngokuphathelele iingozi zemali, iindleko intengiselwano liye landa kakhulu. Ngelo xesha inshorensi impahla enokususwa kunye engenakushenxiswa namhlanje lungabizi kakhulu.

Ngokwemveli, umbhodamo kakuhle nefuthe kukuhla komthamo kwalo kwimarike, kodwa wamvumela ukuba usempilweni. Iinkampani ze-inshorensi azikho nkqubo ngokwaneleyo dyondzisaka ngokubhekiselele kwimfuneko ukuphuhlisa imigaqo-nkqubo ngamnye, nto leyo kufuneka ithathele ingqalelo bokuqonda ezithile polisi ngamnye.

Uphuhliso bancassurance eRashiya kunokwenzeka kwisifundo kwaye ukusombulula ezi ngxaki zichazwe ngentla apha.

Ukhetho lwe-inshorensi ukuba iibhanki

umbutho bancassurance ibandakanya ukukhetha ngenyameko-inshorensi kolu hlobo lomsebenzi.

Indlela emisiweyo yokukhetha liqabane enokuthenjwa ukuze weebhanki ukukwazi kwabo ukubhatala ezinzileyo, ubukho nothungelwano olubanzi lwengingqi, amaxabiso efikelelekayo, ukukwazi ukwenza amagama bhetyebhetye yesivumelwano, amava Isisombululo entle ungquzulwano inkathazo-free. Sokubambisana inkampani egqibeleleyo, ixesha-kuvavanywa. Kuphela kule meko nkqubo inshorensi ibhanki iya kuzinza ngokuchanekileyo.