"Trust" (NPF): ncomo, ukulinganisa. NPF "Trust": indlela lirhoxe isivumelwano?

In Russia kukho ezininzi eziliqela-mali yomhlalaphantsi yabucala. Owona msebenzi wabo - ukunceda karhulumente intlawulo uhlobo olufanelekileyo yembuyekezo kubemi. Phakathi kwezona yemiyinge abadumileyo yemalike inshorensi pension eRashiya - NPF "Trust". Lo mbutho sele ukusebenza ngempumelelo kwimarike ngaphezu kweminyaka engama-17. Zeziphi ezi nkcukacha-mali "Trust"? Ziziphi abathengi NPF abhale ncomo, phezu intsebenziswano kunye fund? Zeziphi iindawo kwi arhente zixeliweyo NPF eyaziwa?

ulwazi Fund

NPF "Trust" wasekwa ngo-1997 - yenye zabucala yokuqala yengxowa-mali yomhlalaphantsi ye-Russian Federation. Phakathi co-abaseki lombutho - inkampani "VolgaTelecom", JSC "NMGK", OJSC "Granite", JSC "Nizhpharm" kunye Cjsc "Nizhegorodpromstroybank". APF usebenzisana nje kuphela amaqumrhu asemthethweni elibonakalayo, kodwa.

Ngo-2004, lo mbutho wafumana ilayisensi yokuqhuba entsimini-inshorensi pension kunye zokhuseleko zabucala. Ngo-2010, i-NPF "Confidence" asayina isivumelwano JSC "Bin". Kamva, le nkampani abaphathi lombutho 'bin FINAM Group ". Okunye Code Criminal, oko no-mali - LLC "MC isiSeko Beka". Ngoku NPF - encotsheni iinkampani 10 Russian iprofayl. I Fund yenye inzuzo. Largest fund impahla yakhe - encotsheni iinkampani 30 Russian.

Geography of

Iphi na i-ofisi elikomkhulu NPF "Trust"? INcwadi yeeDilesi ye isakhiwo sokuphatha lombutho :. Moscow, Big Savvinsky Pereulok 12, ukwakha 9. lamalungelo eyinkunzi lombutho - engange million 150. Kwendawo ekhoyo ye-PPF "Doverie" - Moscow kunye nemimandla ezingaphezu kwama-20 Russian. I Fund kuqikelelwa ziingcali njengomnye ezanda kwi mba wophuhliso womnatha kwi ngabalawulwa nakwiimanyano ezichaphazelekileyo.

Utshintsho nesakhiwo

Ngo-2014, i-Foundation iye yenziwa inkqubo yotshintsho yemeko yomthetho - ukusuka NGOs kwi AO. ZAO "NPF Trust" - isakhiwo entsha yenziwe. Ngo-2015, iNgxowa-mali iye zifakiwe kubhaliso karhulumente imibutho eziye amaqela amalungelo iinkonzo ze-inshorensi. Ngoku JSC "NPF Trust" - igama elisemthethweni lombutho.

Iziphumo nezilinganiso

Ngo-2012, lo mbutho bangena mali top 10 ngenani izivumelwano eyasayinwa ngomhla we-nxaxheba ngabemi kwinkqubo inshorensi yomhlalaphantsi enyanzelekileyo. Kulo nyaka siye saba amaqabane NPF iibhanki ezininzi eziphambili ezisebenza eRashiya. Isicwangciso ukuthengisa -mali ibandakanya uluhlu olubanzi lwemisebenzi: ukusebenza lamajelo zentengiso, izibonelelo on-line.

NPF inika imisebenzi 2 eziphambili: umsebenzi kwinkalo yokhuseleko non-karhulumente, kwakunye intsebenziswano kunye abemi kwisakhelo lweenkqubo inshorensi yomhlalaphantsi ezinyanzelekileyo. Zombini imiyalelo zombutho eziqikelelwa ziingcali ophumeleleyo. Umzekelo, kwikota yokuqala ka-2013 ngaphezu kwe-339 lamawaka. WoMntu inkalo yokusebenzisana kucwangciso lwe fund-inshorensi yomhlalaphantsi ezinyanzelekileyo uyamethemba. NPF, reviews kuzo zaba lasasazwa intanethi, waphawulwa ngabathengi nje isakhiwo apho iingcali abaqeqeshiweyo olusabelayo. Kwikota 1 ka-2013 umthamo eyongiweyo kwi-mali yaba engange 7.8 bhiliyoni., Yiyiphi na malunga 20 amaxesha ngaphezu ozise xesha linye ngo-2012.

Ukuvavanywa Agency Rating National

Enye indlela kukuthembeka umboniso NPF "Trust" - rating. Inokubuyiselwa kwakheka kwi isiseko kweekhrayitheriya eziphakanyiswa kwimibutho eyahlukeneyo. Ngenxa yoko, i-Arhente Rating kaZwelonke yagqiba ukuba i NPF "Trust" rating kufuneka sizimisele kwinqanaba AA-. Ngokungqinelana ulwahlulohlulo, esi salathisi sibonisa ngxowa-mali nje isakhiwo ethembeke kakhulu yamkelwa entlanganweni.

Ngu RA "Expert"

Omnye umbutho, i-arhente "Expert RA", kucingwa ukuba iNgxowa-mali kufuneka lichazwe angumbutho omnye olungu-A +. Ukungqinelana ukuhlelwa arhente leyo ethetha ukuba i-NPF linophawu ezithembeke. Kwangaxeshanye, abahlalutyi "Expert RA" yadityaniswa ubume lentelekelelo "isitali". Oku kuthetha ukuba inkampani "NPF Trust" (iimpendulo iingcali ezininzi masihambelane lo mbono) kunye namathuba eliphezulu baligcine rating ngoku kwixesha elide. Cinga uhlobo zixeliweyo ezifanelekileyo ngakumbi.

Izimo izikhundla eziphezulu

Yintoni isizathu sokuba nesikhundla omkhulu onjalo wathabatha "Trust" fund? NPF (reviews labahlalutyi amaninzi kwimakethi ukuqinisekisa oku), ngaphezu kwabo bonke, bakwazi ukwakha icebo lotyalo-mali ezinzileyo. Kwakhona omnye wemiba HIV uvavanyo lwemisebenzi yombutho - yinkxaso ezibonelelwa yi abasunguli. A indima ebalulekileyo eyadlalwa ukwabiwa olutshintshayo leeyunithi ze NPF kwimimandla Russia, kwakunye emfundo aphezulu abasebenzi kwi Fund. Ngokutsho umhlaziyi, kuhlanganiselo amalungu aphezulu kwaba batyali-mali abantu abasebenzayo, ziphakathi onolwazi kummandla inshorensi pension non-karhulumente.

Umgaqo-nkqubo wotyalo-mali mbutho iphawulwa ziingcali njengoko ngendeb ngokwaneleyo. Okt NPF "Trust" (feedback evela kubasebenzi abasebenza kwindawo efanelekileyo, ukuqinisekisa oku) kwakha umsebenzi wakhe, ukuzama ukuqinisekisa, kwelinye icala, inqanaba eliphezulu inzuzo, kwelinye - ukusebenzisa izixhobo zemali ezithembekileyo.

Ngokuphathelele ngokokubona arhente "Expert RA", into entle kuhlolo yayo ireyithingi-mali nayo yaba inqanaba eliphezulu isivuno lokonga ethe kwi-akhawunti zakho kwabemi abaye zisayinwa NPF kwekhontrakthi inshorensi. Ngokomzekelo, phakathi-2009 no-2012, inani ehambelana 29%, ngelixa izinga lokwenyuka kwamaxabiso khange igqithe-23% ngeli xesha linye.

La manqaku aphezulu ukuthembeka JSC "SPC Trust", abahlalutyi bathi, inokuba kwakhona iyanyaniswa Dynamics onomtsalane lokukhula lokonga, kwakunye nenyaniso yokuba le ngxowa - kuquka iinkokeli kwimarike Russian kwi khrayitheriya efana nenani izivumelwano ungenile operatives ingxenye.

Ezinye Iimpawu ezintle yanefuthe rating of "Expert RA" - umlinganiselo ngokupheleleyo reserve inshorensi, yaye into efana VVCP. Abahlaziyi ziye zabhala ekupheleni kwekota yesi-3 ka-2013 sasifana ku 6.4%, ngelixa ixabiso median imarike sabhalwa kwinqanaba-6%.

Unako kwakhona uqaphele ukuba iinkqubo zoshishino kunye nokusebenza fund IT-infrastructure "Expert RA" zavavanywa ukulungiselela NPF "Trust" njengokuba obuphakathi phezulu.

Eyona nto ibalulekileyo eziphembelele iindawo eziphakamileyo nokubeka i-Arhente odumileyo NPF - Ukuxelwa imibutho yenkxaso-mali isicwangciso sokonga. Ngoko ke, ngo-2011, ezo zenzo phantsi kumaziko ezinkulu zemali, leyo unomdla ekukhuthazeni imarike ye-inshorensi yomhlalaphantsi yabucala.

criteria izithintelo

Enye indlela ngokunciphisa ukuvavanya iingcali fund uzinzo "Expert RA" kukuba i NPF uphawuleka izabelo yokonga eziphakamileyo asethi yomhlalaphantsi iyonke - malunga ne-97%, kwakunye nje ukwanela kunokuba eliphantsi IOUD - ekupheleni kwekota yesi-3 ka-2013 sasifana ku 0 2% xa kuthelekiswa imali, kwakunye-2% xa nomba weendleko NPF. Abahlaziyi "Ingcaphephe RA" ufumene kube nzima ukuvavanya namathemba umgangatho weenkonzo ziimpawu Code Criminal "Finam bin Group". Lo mbutho ukuba zivavanywe nomba kweentlelo ukuthembeka, lisekwa ziingcali "Expert RA" kunye nezinye izakhiwo eyaziwayo odibana nendlela yokukhetha zenkampani ukuya kwinqanaba "A" kunye namanyathelo kugqithisela.

kuphuhliso oluqhubekayo lwe-qhinga

Ezipapashwe imithombo eyahlukeneyo ze data icebisa ukuba ingxowa-mali iya kugxininisa kuphuhliso ukwanda ngakumbi isiseko umthengi, kwakunye ekudalweni izicwangciso pension kwi yequmrhu ingxenye yonxibelelwano.

Kwakhona fund ongumzekelo ishishini ethembisayo linombono engaphezulu ekuphuculeni umgangatho yokuxhulumana kunye abathengi kunye nokuphucula ukusebenza izakhiwo ezahlukeneyo lombutho xa lilonke.

Ukupheliswa kwesivumelwano kunye NPF

Ngaphandle kwento yokuba ekhohlo kwi ezizodwa Intanethi abathengi NPF "Trust" reviews - ubukhulu becala HIV, abanye abemi sijamelene imfuneko lokuphelisa isivumelwano kunye Fund. Oku kube ngenxa yezizathu ezahlukeneyo. Ngokomzekelo, iziphakamiso inokuyalela inkampani Njengomqeshi, ongene kwisivumelwano kunye kwenye ingxowa-mali. Ukuba umntu iye yagqiba ekubeni usala ukusebenzisana kunye NPF "Trust" ukuze kupheliswe isivumelwano yeyona ndlela ichanileyo?

ngokwemigaqo eyamkelekileyo kokupheliswa kwesivumelwano

Ngokuhambelana nomthetho, ukupheliswa kwesivumelwano kunye NPF kunokwenzeka nangaliphi na ixesha. Konke kufuneka wenze ngummi - ukuthumela ku ya eminhlanganweni ya uhlobo olufanelekileyo ingxelo. Kuyimfuneko ukuba atyikitye amaxwebhu, njengoko apho zixa zifakwe kwingxelo NPF, baya kutshintshelwa kwenye ingxowa-mali okanye idluliselwe kwi -akhawunti yebhanki ommi.

Xa inkqubo efanayo yentlawulo kumiselwa NPF "Trust", zingohluka kwezo imigangatho eyamkelwe kwezinye kwimibutho yabucala efanayo. Kodwa ngokuqhelekileyo, isixa intlawulo yenziwa sokubandakanyeka yayo kwifomula ekubaleni imali ezingasetyenziswanga, kwakunye ukungeza ingeniso. Kwicredit abo iintlawulo esele ziphunyeziwe.

Akukhathaliseki ngqo xa ndoda yagqiba ekubeni ukuluphelisa ulwalamano lwenu-mali "Doverie" - ngexesha xa kukho zemali mali, okanye inkqubo ukuphunyezwa kweentlawulo. yonke imali ihlawulwe umxumi, kufuneka zihlawulwe ngaphakathi emileyo.

amatyala irhafu

Ilungelo ngummi ukufumana ingeniso evela NPF, leyo ulwenze isivumelwano, kananjalo ephelekwa unyanzelekile ukuba ahlawule irhafu yengeniso ngokweengeniso uhlobo ahambelanayo. Noko ke, ukuba umntu ukhethe uhlobo apho mali zidluliselwa kwenye NPF of "ithemba", akukho mfuneko yokuba ahlawule irhafu. Enye iinkcukacha: iindleko zemali ezinxulumene ukuthunyelwa kwemali ukusuka qumrhu omnye komnye, sabelwa NPF client.

Siye saxubusha imithetho - ziqhelekile zonke iimali ezingezizo karhulumente, kuquka NPF "Trust". Indlela lokuphelisa isivumelwano, siye safunda. Ngoku sihlolisisa lwaseNtshona Koloni ziba uluvo ingcali kunye nje ngabathengi 'ithemba. " Yintoni na iqondo Uluvo abatyali ye pension fund non-karhulumente?

Ukuphonononga lo fund "Trust"

Iingcali ezininzi market yabonisa imbono yokuba le fund nethamsanqa kunye negama oluquka igama elithi "ithemba". NPF (reviews ezininzi abanikeli ukuqinisekisa oku) ikwazile ukuchukumisa abemi inqanaba eliphezulu nolwazi lwabasebenzi. Abemi zithetha neengcali lemibutho njenge iingcali abaqeqeshiweyo, abanamava Abaxhobele ukuchazela umxhasi zonke bokuqonda iiprogram pension.

Kuba izimvo ingqalelo le NPF luphawulwa into yokuba iqondo zovandlakanyo lombutho akuxhomekekanga kwi mmandla. Ukuba umzi, elinabemi lwabaxhasi abemkileyo malunga NPF "Trust" reviews - Moscow, ngokoluvo ngendlela eyakhayo kakhulu ngokungathi abatyali yabo ifom, umzekelo, ukusuka Orenburg. Oku kubonisa ukuba zonke iingingqi SPC asebenze kwi-sikhokelo imodeli elidityanisiweyo yentsebenziswano kunye nabathengi, nto leyo, mhlawumbi, sibonakala indlela wena ngokwaneleyo kunye nenkonzo esemgangathweni ophezulu, abemi contact. Ukuba umzi, noqhuba isebe NPF "Trust" - Samara, ncomo, mhlawumbi ukusuka abemi bendawo ziyafana nezo ikhefu ukusuka eMoscow.

isivuno factor

Yintoni na ofana abagcinisa-mali, zamadoda nkonzo? Xa sihlalutya izimvo ngomxholo yeemeko emva trust - NPF (reviews labahlalutyi ezininzi zingqamene nayo) ezitsala abathengi ukuthembeka. Okt fund engathembisi abagcinisa amanani engakholelekiyo lokubuya, Noko ke, oko kwenza kucace ukuba amanani, leyo ziyaphunyezwa kwixa sikhokelo yesicwangciso yangoku investment, akazange khona ngengozi. Ngoko ke, njengoko kuboniswa kule dilesi NPF "Trust" ncomo, abaxhasi bathanda yi ngaphaya kubudlelwane kunye nokucwangciswa abagcinisa. Iingcali NPF, leyo kusebenzisana abemi, ukucacisa ngokweenkcukacha iingenelo ukubhala isivumelwano kunye Fund, ugxininise balance umbutho model utyalo-mali.

Kukho iNgxowa-mali ngokubhekiselele kwimisebenzi zabemi kunye nokusingqongileyo kwakhona degree ezilungileyo kwamathandabuzo. ukuba Bakha becala kunye izandulela, ezityhila ukundwendwela NPF Apartments basenokuba ngabaxhamli beenkonzo kunye ukucela ukuba ukugqiba isivumelwano. Nangona kunjalo, akukho lwazi yoluntu enokuthenjwa yintoni na isiko NPF na lwenkqubo, kwakunye izibakala, obungathandabuzekiyo ebonakalalisa ukuba amabuyelo abasebenzi nje "trust." I-arhente ingaba umlamleli enikeza kuqukunjelwe imvumelwano kunye SPF ezahlukeneyo.