Isikhwama sempesheni esingekho sezwe i-Rosgosstrakh: izibuyekezo, izilinganiso

Isikhwama sempesheni se-non-state i- Rosgosstrakh yinhlangano ethanda abantu abaningi. Ngaphambi kokuqala ukubambisana naye, abaningi batadisha ukubuyekezwa kwamakhasimende wangempela yenkampani. Basiza ukuhlola ubuqotho benkampani. Kuthiwani nge-NPF ekhonjiwe?

Mayelana nomsebenzi

Isibonelo, emkhakheni womsebenzi. Akukho lutho olucacile lapha. Into ethi Rosgosstrakh uye wabandakanyeka emshwalense isikhathi eside. Kubandakanya impesheni.

Ngamanye amazwi, le nkampani yindawo lapho kungenzeka khona ukufaka ingxenye ekhokhelwa ngempesheni. Imali lapha ayigcini nje kuphela, kodwa iphindwe futhi. Akukho lutho okusolisayo ngalokhu. I-Rosgosstrakh ayihambisani nanoma yimuphi umgomo wezithunzi. Lesi yisikhwama somhlalaphansi esivame kakhulu sehlobo olungezona uhulumeni, kodwa ngezici zalo siqu.

Ukusakaza

Kubalulekile ukuphawula ukuthi inkampani efundwayo ayiyona inhlamba. Kunoma yikuphi, kunezizathu eziningi zokukhuluma ngobuqotho benhlangano. Isikhwama sesempesheni esingezona sezwe i-Rosgosstrakh sikhulu kakhulu. Unamagatsha kulo lonke elaseRussia. Futhi lokhu akushiyi abantu abangenandaba - ngisho nasemadolobheni amancane kunabo bonke abangathola umnyango wesikhwama.

Futhi iphi ihhovisi lekhanda? Kuphi ukusingatha ngqo izimangalo? Isikhwama sempesheni esingekho esimweni "Rosgosstrakh" sinalo ikheli: Russia, Moscow, Obrucheva street, indlu 52, ukwakha 3.

Kufanelekile ukunaka iqiniso lokuthi inkampani yomshuwalense "i-RGS" ngokwayo ivele esikhathini esidlule. Kodwa isikhwama sempesheni esingezona uhulumeni esivela eRussia savulwa ngo-2002. Kusukela ngaleso sikhathi ukuthi inhlangano yaqala ukusakazwa kulo lonke izwe. Futhi ngempumelelo ngempumelelo.

Isilinganiso

Ngenkampani ngayinye ukulinganisa kwayo kubalulekile. Okuphakeme, ukunakekelwa okungaphezulu kwamakhasimende kuzokwenziwa. Iyini isikhwama sempesheni engeyona uhulumeni "Isilinganiso se-Rosgosstrakh" eRussia?

Le nkampani iphakathi kwama-NPF ayishumi aphezulu ezweni. Imithombo ehlukene ikhombisa ulwazi oluhlukahlukene mayelana nesimo sesikhwama. Isibonelo, ngokulandela imiphumela ka-2013, kungaphetha ngokuthi i- Rosgosstrakh isendaweni yesihlanu yesilinganiso. Futhi ngaphansi kwalokhu uphawu, yena, njengoba umthetho, ahla.

Kunoma yikuphi, inhlangano efundwayo ingomunye wabaholi bezimali ezingezona zombuso zempesheni. Kukhona zonke izizathu zokuthembela le nkampani. Akuyona indawo engcono kakhulu yokusindisa izimpesheni, kodwa ngokuvamile kubhekwa abantu.

Ukuzuza

Isikhwama sesempesheni esingezona sezwe iRossgstrstrstrakh sinenzuzo enhle. Nakuba ezinye izibuyekezo zibonisa ukuthi umthelela wokubambisana nenkampani awuphezulu kakhulu.

Ngokusho kwedatha ka-2015 (yilolu suku olulodwa ulwazi olufanele olutholakala ngokukhululekile), ungabona ukuthi isivuno sesikhwama sika-7.5%. Akuningi kakhulu, kodwa kunezinhlangano eziningi ezifanayo ezinikezayo.

Amaklayenti athi ukuthi ukwandisa imali yempesheni, "RGS" kufanelekile, kodwa akufanelekile ukulinda izinguquko ezinkulu. Okuhlongozwayo 7-7,5% yenzuzo kuyinkomba ezithinta ukukhuphuka kwemali. Leli qiniso kumele libhekwe. Ngakho-ke, kukhona njalo ithuba lokukhiqiza okuphezulu.

Izinga lokuthembela

Esinye isibonakaliso esibaluleke kakhulu izinga lokuthembela kwabantu. Ukhomba ukuthi abantu bakholelwa kangakanani ebuqothweni nasekuthembekeni kwenhlangano. Kule ndawo, isikhwama sempesheni esingezona sezwe i-Rosgosstrakh sinenkomba eziphezulu.

Kuze kube manje, i- "CSG" inezinga lokuthembana, elibhekwa njenge-A ++ (noma i-AAA). It isela "Higher Trust". Lokhu kusho ukuthi abantu bacabanga ukuthi inhlangano efundiswayo ingathembekile futhi igxilile. Lokhu kuwubufakazi bokuthi i- Rosgosstrakh iphakathi kwezikhulu eziningi zabaholi bezimali ezingekho ngaphansi kombuso wezwe.

Ukulawula kude

Kodwa akuzona zonke izinto ezibukeka kahle. Isikhwama sempesheni engekho uhulumeni waseRossgosstrakh sithola kumakhasimende ayo? Naphezu kwazo zonke ezingenhla, imibono ishiywe ngezindlela ezimbili. Kungani?

Isibonelo, ngenxa yokuthi kungenzeka ukuphathwa kwe-akhawunti eyikude. "CSG" inikeza amakhasimende ayo "iKhabhinethi Yomuntu". Uyakuvumela, ngaphandle kokushiya ekhaya, ukuqapha isimo se-akhawunti yakho kanye nezitatimende zokuhleleka kuzo. Amathuba anjalo awashiyi ukunganaki. Kulula kakhulu - nganoma isiphi isikhathi ungathola kalula ulwazi oluthakazelisayo mayelana ne-akhawunti kanye nokugcinwa kwempesheni.

Noma kunjalo, okungahambi kahle kubonisa ukuthi okwamanje awusebenzi umsebenzi ophelele weKhabhinethi yomuntu siqu. Abantu abaningi bathi ukugunyazwa kubangela ezinye izinkinga. Futhi wayala ukuba iziqhumane zilinde isikhathi eside kakhulu. Yingakho ungabona okuningi okungalungile, ukubuyekezwa okuthukuthele mayelana nenhlangano. Noma kunjalo, "iKhabinethi yangasese" yiyona, isebenza. Leli thuba lokuhlukumeza.

Ukubambisana

Kodwa akusikho konke. Ezinye izibuyekezo zibonisa ukuthi isikhwama sesempesheni esingezona isimo i- Rosgosstrakh singama-fraudsters. La mazwi avelaphi? Ingabe kulungile?

Into ethi abanye abatshalizimali bakhomba ukuthi bathola ingxenye engxenyeni yempesheni engalindelekile esikhwameni sempesheni engeyona yezwe "RGS". Futhi izimo ezinjalo ziholela emcabangweni wokukhwabanisa. Azikho izaziso, isiphetho sezinkontileka nokunye okuxhumana neklayenti! Konke kwenziwa "ngokuthula".

Abameli bavame ukuphawula ngalolu daba. Kusuka kokubukwa kwezomthetho, akukho ukuphulwa. Kungani? Konke lokhu kungenxa yokuthi "i-CSG" iphetha izivumelwano zokubambisana nabaqashi abahlukene. Futhi bonke abangaphansi kwalokhu noma leyo nkampani badlulisela ngokuzenzekelayo impesheni ezixhaswe ngemali esikhwameni. Kufanele kubikwe enhloko, hhayi i-NPF.

Ngakho-ke, zonke izinsolo zokukhwabanisa azisekelwe. Uma kungenjalo, isikhwama sasizobe sinqatshelwe ilayisense. Lesi yisilinganiso samanje sokulwa nokuchichima kwezikhwama ezingekho ngaphansi kombuso zempesheni eRussia.

Isiphetho

Yini engagcwaliswa? Kuyacaca ukuthi yiyiphi iRossgstrstrstrakh (isikhwama sempesheni engeyona uhulumeni) esamukelayo . Ukulinganisa kwalenhlangano nakho akusiseyimfihlo.

Le nkampani yindawo enhle yokugcina nokwandisa imali yokugcina imali yempesheni. Naphezu kwezibalo ezinhle kakhulu, ukubuyekezwa kwamanye amakhasimende kusenza sicabange futhi ngobuqotho benkampani. Abameli bathi akukho isidingo sokwesaba imibono evuthayo. Phela, i- "CSG" ikhona isikhathi eside eRussia. I-Foundation ihlanganisiwe kuma-NPF angu-10 aphezulu kakhulu ngesizathu. Ungacabangela le nhlangano ngokubunjwa kwezimali zempesheni, kodwa ucabange ngezinto ezimbi ezichazwe amakhasimende.