Mboleko yemfundo elichumayo

Phantsi imfundo elungileyo ephakamileyo namhlanje, baseRashiya abaninzi baqonde idiploma leyunivesithi ezidumileyo. Kodwa ukuba njani, okanye mandithi, ukuba ahlawule, kuthathelwa ingqalelo ukuthotywa yonyaka kwenani iindawo mali kumaziko - umbuzo inzima kakhulu. Ukuba abazali abakwazi ziqulathe umfundi: imali yesikolo wakhe, indawo yokuhlala, ukuzonwabisa, ungazama imali ukuboleka. Umzekelo, ibhanki.

mboleko Ezemfundo - enye yeendlela ukuba ndihlawule imali eninzi inkqubo zokufundisa, eziqhutywa phantsi kwesikhokelo oonjingalwazi kakhulu abakulungeleyo kunye oonjingalwazi nabo. Noko ke, le nkonzo ayikho ethandwa kakhulu ezibhankini ngokwabo, ngenxa yokuba, ngokungafaniyo mboleko yabathengi bemveli, wezeZimali kwinto ezingenakuchukunyiswa - ulwazi. Kwaye ukuba uyavuma, akukho umatshini ifriji kunye nokuhlamba, ibe wathengisa ngayo ngoko uncedo-mali.

Eqonda ukuthingaza kubananisi ukuba ukubolekisa ngemali ukufunda, emva ngo 1996, ucinga umthetho "Kwi imfundo", bethethe ngalo mbono, njengoko i-mboleko yemfundo yenkxaso karhulumente. kweminyaka elishumi kamva, iprojekthi ehambisana nalo mbono, abasebenzi walungisa izakhiwo ezininzi ezinkulu - i-Ofisi yoMphathiswa weMfundo and Science, i-School Higher of Economics, Association of Banks Russian, iNational Union of mveliso kunye Entrepreneurs. Emva koko wacela ukuba ezona-25 amawaka eerandi ngaphandle isibambiso, umboleki unako ukuhlawula kwisithuba kwiminyaka 3-10 emva kokugqiba. Kodwa akaba nako ukubuyela - phantsi kwemiqathango ethile. izinga mboleko ngqo engabizwanga, yaye kubekwe kuphela ukuba ipesenti esezantsi iya kukhethwa phakathi iibhanki ezikhoyo.

Xa kwafika ukuba baziqhelanise, mboleko yemfundo yaye wahlala yesininzi zokufuna ukuba umgangatho ophezulu wemfundo azifikeleleki. Banks, nkqu kwingcinga yokuba urhulumente ndandishumayela ekukhetheni ngenyameko, uyavuma ukuba anike imali kuphela baseRashiya omdala. Ukuba sele ingazaliseki eyi-18, kuyafuneka ukuba benze kuzo zonke zamaphepha co-nye umnikimali nomamkelimali. Ukuba 25 amawaka eerandi - kukungafumani uqeqesho ukulungiselela le mali, ubukhulu mboleko kwaye ikhutshwa kuphela inxaxheba Bhodi yeTrasti.

Iinkcukacha kufuneka ahlale phezu umba kwenzala. Ngo -mboleko yemfundo Savings Bank buxabise abathengi kongezwe-12% ngonyaka. Rosinterbank uthembisa ukuxhasa uqeqesho 11-20% ngonyaka, i-Bank Agricultural - 16%, kwaye kwiBaltic Bank - 19%. Hi ndlela leyi, imali imfundo iibhanki ngaphantsi kwe ezilishumi zasekhaya kunye elinye kuphela.

Kakade ke, iintsapho ezininzi Russian ngetyala yemfundo kule fomu - hayi kunazo zonke. Ngoko ke, siya ingqalelo imeko apho umqeshi waba ngummeli wowona ulungileyo uya kwenza phambi kokuba iziko-mali. Isivumelwano somsebenzi kufuneka bagqibe phambi kwelona xesha, ide umqeshwa akahlawuli off. Kwaye xa kuthe izibophelelo isiphelo lebhanki wegqitha waya ingcali omncinane. Kwakhona kwacetyiswa ukuba "ukuxolela"-mboleko ukuba umsebenzi onesidanga ixesha elithile zokusasaza. Kubalondolozi bathi banyamekela besiya kurhulumente. Yambatha ngokwendlela yabo, ibhekisela izibonelelo ezithile yerhafu nokuthathela ubume amaziko emfundo wabaseki, okanye amalungu mncinanana okugada kunye Board of Trustees.

Ngoko ke umbuzo indlela yokufumana imali-mboleko yemfundo, ihleli ibaluleke kakhulu. Kwelinye icala, urhulumente kufana uzama ukunceda abantu abatsha ukuba bafunde kwixesha elizayo ukuze ufumane umsebenzi ophambili, kwelinye - akukho ukulungele ahlukane ezinye izikhundla ezihlawula, isimo, kunye nezinye iimpawu yamandla.