Inshorensi idiphozithi. Umthetho on-Inshorensi of Deposits

inshorensi idipozithi kwi Russian Federation yindlela ekhethekileyo ukukhusela imali yabemi '. Ingcamango ephambili nkqubo - kukuqinisekisa intlawulo ekhawulezileyo ukusuka kumthombo ngemali ezimeleyo (umzekelo, ingxowa-mali ezizodwa) ekupheleni komsebenzi lombutho apho kwakukho imali. Makhe sihlolisise ngokweenkcukacha indlela inshorensi mandatory iminikelo.

iingenelo yenkqubo

Njengoko amava uninzi lwamazwe ngophuhliso kwezoqoqosho, inshorensi sedipozithi iibhanki kuba kusebenza njengesixhobo esiphumelelayo zokusombulula iingxaki ezintsonkothileyo zoqoqosho nezentlalo. Okokuqala, inkqubo le imali ayiqinisekisi ukuthintela panic phakathi abemi. Oku, iqinisekisa nokusebenza ezinzileyo inkqubo yogcino-mali. Xa inye efanayo inceda ukunciphisa iindleko zentlalo ukuphelisa le nempembelelo yale ntlekele. inshorensi idiphozithi abantu bendalo, phakathi kwezinye izinto, kwandisa ukuzithemba koluntu amaziko zemali kunye namatyala. Oku kudala ezona zinto zifuneka kuqala ukuze ukwanda ixesha elide iidipozithi zabucala. Namhlanje, i-inshorensi idipozithi karhulumente ikhona kumazwe 104 ehlabathini lonke.

iidipozithi inshorensi labantu ngokomzimba baseRashiya

Ithwalwa ngokwe uMthetho bazo. Umthetho "Kwi-inshorensi yesibambiso" wavunywa ngo-2003, ngomhla we-23 kuDisemba. amalungiselelo alo ukuchaza yintshukumo inye, inkqubo yokubonelela isiqinisekiso. Ngokukodwa, ngokungqinelana nomthetho federal, ikhusela imali bonke abemi ', zibekwe kwi-akhawunti ukuba anike ezibhaliswe kwi kummandla iibhanki Russian. inshorensi idiphozithi iyasebenza kwiingxowa aphezu amakhadi (ngaphandle ngetyala), njengoko kusebenza kwakhona akhawunti nje eqhelekileyo. Ukukhuselwa imali eyenziweyo ngenxa uMthetho utshilo. Oku kuthetha ukuba akukho mfuneko ngakumbi ukugqiba isivumelwano njengezikhuselo. Ngomhla kummandla Russia isebenza YOSUKU - Arhente Insurance idiphozithi. Le Corporation wasekwa ngo-2004, ngoJanuwari. Agency Insurance Sedipozithi ibonelela ulongamelo nokulawula inkqubo. I-nxaxheba Russian e la yinxalenye engundoqo imisebenzi yemibutho abenza ekutsaleni nasekugcineni ulondolozo abemi '. Ukuza kuthi ga ngoku, le nkqubo-inshorensi kuquka ngaphezulu kwama 800 iibhanki.

Ixabiso imbuyekezo

of iidipozithi ngamnye umbutho, apho kwenzeka isiganeko inshorensi, uqhutywe kwi-100% lemali isixa asethi igcinwe, kodwa hayi ngaphezulu kwe-1.4 miliyoni engange. Imali kwi-akhawunti in yelizwe angaphandle eziguqulelwe kusetyenziswa izinga lotshintshiselwano ngexesha le ngozi. ixabiso eliphezulu imbuyekezo - 1.4 mln - kubalwa iidiphozithi ezigcinwe kwii-akhawunti enye yebhanki ezahlukeneyo (okanye okufanayo). Imali ukuba kumaziko zemali ezahlukeneyo, zibonelelwa ngokuzimeleyo enye kwenye.

into ebaluleke

Emva kokuba uhlawule i-inshorensi yembuyekezo, ilungelo lokufuna ukuba le abagcinisa yi isixa elingaphezu ixabiso iziqiniseko yanelisekile ngexesha iinkqubo imilinganiselo ye kumgcelele wokuqala Iwabantu abatyalwayo. Ilungelo ibango imali ehlawulwe ukuya YOSUKU. Ukuba ngaba umtyali-wanikwa mboleko ebhankini, apho kwakukho kwityala inshorensi, imali yembuyekezo kuncitshiswa isixa counter-amabango kwiziko lemali kunye ngetyala ngomhla lokuyeka umsebenzi wayo.

amacala ukulungisa

Lo Mthetho waseka meko zilandelayo apho imbuyekezo leyo abagcinisa:

1. Ukucinywa (ukurhoxiswa) ilayisenisi.
2. Ekubuyiselweni Bank of Russia ukuba iqhube imicimbi yemali.

Iintlawulo Imbuyekezo ziqala zingadlulanga iintsuku ezintathu zomsebenzi emva kokungeniswa amaxwebhu ukuya YOSUKU, kodwa hayi iiveki ngaphambi kwe ezimbini emva kokuvela naziphi na iimeko zikhankanywe apha ngasentla. idiphozithi iyabuyiswa kwi-ofisi Arhente okanye (ukuba imali iyonke kunye nenani saver amancinci), okanye iyunithi enye okanye ezininzi eligunyazisiweyo, okanye ngeposi. Kuba imeko nganye wamisela inkqubo ethile ngokuwanika imbuyekezo.

ngaphandle

Insurance isihloko:

1. Imali kwi-akhawunti amaxwebhu kunye amagqwetha, ukuba zivuleleke ukuveliswa a umsebenzi umsebenzi, ngaphandle uMthetho.
2. Igalelo kwi-bearer.
3. Ukudluliswa kwemali ngaphandle kokuvula i-akhawunti.
4. Iidipozithi kwii-ofisi basemzini kwiibhanki zasekhaya.
5. Iimali ii-akhawunti metal ezingabiwanga.
6. Savings idluliselwe kumbutho imali e trust.
7. Imali elungiselelwe ekubaleni kuphela kunye nokusetyenziswa ngendlela ngekhompyutha kwentlawulo ngaphandle kokuvula i-akhawunti in kwishishini zemali kunye namatyala.

izisekelo zemali

inshorensi idipozithi luxhaswa kwisiseko elizimeleyo. ubukhulu yalo ngomhla we-7 Meyi, 2014 yaba engange 195.7 ezigidi. (Net of ilungiselelo intlawulo indemnities waqola amatyala -. 157,6 bhiliyoni engange). Eyona mithombo iphambili zemali Fund urhulumente impahla igalelo - 7.9 billion engange, kwaye zezavenge ze-inshorensi ebhankini kunye nengeniso utyalo-mali zawo .. Iminikelo minye yonke imibutho zemali kwaye kufuneka ihlawulwe qho ngekota. Intlawulo ke emiselwe yiBhodi yabaLawuli YOSUKU. Okwangoku, izinga yi 0.1% kwixabiso avareji ye-inshorensi abantu kulondolozo kwikota ahambelanayo.

amanqaku ngembali

Ukususela mzuzu xa liqala ukusebenza inshorensi idipozithi, imali yembuyekezo liye landa izihlandlo ezili-14. Ngexesha lokuqala Ngeloxesha 100 amawaka engange. Ukusukela Agasti 2006, iintlawulo baye banda 190 000 engange, ukususela ngoMatshi 2007 -. Ukuze 400 000 ngo-Oktobha ka-2008 - ukuya ku engange 700 000. Ngo-2014, i-Sihlomelo kwenziwe nguRhulumente Duma, njengoko apho inani eliphezulu yembuyekezo yaba engange-1.4 miliyoni. Ngexesha lokudla le inye baba ngaphezu kwama-180 amatyala inshorensi.

Ukuze ufumane inkcazelo engakumbi malunga izilungiso

Ukwandisa imali yembuyekezo kabini ngenxa ukwesaba kwabagcinisi. Ngokutsho kubananisi, eli nyathelo likaRhulumente Duma liyavumelana kakhulu, kodwa kusenokwenzeka ukuba negalelo yokufika yesibambiso. Financial Markets IKomiti yaye yagqiba ukuba ukuxhasa le projekthi. Intlanganiso yabanjwa ngexesha non-yemveli lalifihlakele zintatheli. Njengokuba kuphawuliwe yintloko yeKomiti Burykina, ukulungiswa ngelo xesha baba ezingalungile, yaye akufuni ukungaqondani ingxoxo kamva kufuneka kwenzeke ngaphandle eendaba.

ajenda yentlanganiso

IKomiti kwafuneka ingqalelo iindleko ezimbini. I ochaphazelekayo kuqala ukwanda iintlawulo inshorensi ngesiqingatha, kwaye eyesibini - ukuyilwa yeqela inter-noqhekeko of namasekela, leyo beziza kuwasingatha kunye nokuzinziswa imeko kwimarike zemali Russian. Nangona kunjalo, le ngxoxo kwakhona ochaphazelekayo amanye nemiba.

Izizathu imbuyekezo yokwanda

Imfuneko njengenyathelo esiphuthumayo kubangelwe sisixa ebonakalayo imali akhawunti engange yabemi. Ukususela ekuqaleni kuka-2014 sasifana malunga 216 billion engange. Ngenxa ukuqala ngoDisemba yeengxaki zemali eye kakhulu amathuba okuba abantu ahlale. Kubalondolozi alatha nomnqweno omkhulu baseRashiya ukuze ukutshintshela iimali zabo akhawunti lwemali, ngokunjalo imali kwipropati. Ngokutsho Aksakov, umongameli we lombutho "Russia", ukunyuka ubungakanani-inshorensi iza kuba negalelo ekungeneni kwemali kwi iinkampani zemali zasekhaya. Njengokuba ubungqina esikhundleni sakhe, yena sicaphula imeko ngo-2008. Ngelo xesha, nencindi iidiphozithi kwaqondakala, waba 7%. Emva ukwandisa isixa-inshorensi ukuya 700 lamawaka. Thambisani. imali yesibambiso abemi 'landa ngo-Oktobha ngo-10%.

umsebenzi YOSUKU kwindawo entsha

Ekubeni senziwe izilungiso ukwandisa ukhuselo inshorensi Aksakov uthi, inkqubo ezibanjwayo-mali akunakwenzeka ukuba bangenele naluphi na utshintsho. Nangona wokunciphisa YOSUKU reserve ukuba ungenza isicelo semali-mboleko ne-Central Bank. Olu phawu inika uMthetho Federal of inye. Njengokuba kuphawuliwe Isaev (agency oyintloko), esi sigqibo siza kuchaphazela umsebenzi corporation, kunjalo, kufuneka uqhagamshelane Central Bank ayikenzeki.

amathuba eyongezelelweyo kubemi

Njengoko sesitshilo ngasentla, oonobhanki kuqwalaselwa ukunyusa ubungakanani iintlawulo inshorensi sigqibo kakhulu. Okwangoku, ixabiso umndilili iidipozithi zabemi 500 lamawaka engange. Eli nani liphantsi kakhulu kungenxa yokuba abaninzi batyunyuzwa kunye neendlela zabo ukunciphisa ingozi ukuvula akhawunti kumaziko zemali ezahlukeneyo. Njengoko abagcinisa ukwandisa intlawulo inshorensi bayakwazi ukuqokelela ngeemali ezinkulu imali ebhankini mnye. Kunye nale banda imbuyekezo njengento isiqinisekiso eyongezelelweyo kaRhulumente. Oku, phakathi kwezinye izinto zinegalelo ukwandisa ukuzithemba kwicandelo mali yangaphakathi. Kunye nale, ngokutsho kubananisi, ulungiso kuya kuthoba isantya wokucinywa-mvume kunye nokukhethwa ukuze xiphephana ekomelezeni fund-inshorensi.