"Msk" (inkampani yomshuwalense): CTP, Hull, amagatsha, amahhovisi, website esemthethweni, amakheli, izinombolo zocingo, kanye nokubuyekeza

MSC - inkampani yomshuwalense, esihlinzeka izinsizakalo ukuze izakhamuzi. Lesi sihloko sichaza motor inkampani yangaphandle isithiyo.

Umqondo elithi

Umshuwalense - okwakuvela ohlotsheni olukhethekile lwenkanyezi ubudlelwane wezimali uma ithuthukisa inqubomgomo kanye nokusebenzisa imali ukonga, okuyinto abakhonza isinxephezeliso umonakalo odalwe okuvela izinhlobo ezahlukene izingozi futhi ezikhokhwa ngabanye noma izinhlangano ezingokomthetho.

Ngomqondo ewumngcingo, lobu buhlobo nhlangothi zombili ukuvikela kumuntu ngokwakhe noma impahla yakhe ngezithukuthuku izimali, okuyinto akhiwa ikhokhwe umshuwalense oVikelwe.

Ngomqondo obanzi - ke kufaka imisebenzi ukuthi kamuva kwamiswa lo Ukuvikelwa impahla.

izenzo normative-zomthetho, okuncike lezi ubudlelwane iyona Civil Code of the Russian Federation (Ingxenye Yesibili, Isahluko 48) futhi zoMthetho Federal "Ngo Inhlangano Womshuwalense Lebhizinisi", echaza izici enemininingwane kwethemu. Ngesisekelo le zoMthetho Federal kungaqondakala kanje: Umshuwalense ubuhlobo counterparties ezimbili ekukhokhweni tibalo ezithile inkontileka by ngapha langapha ngaphansi kwazo.

Izinhlaka kanye neembopho zabo

Kulezi ubudlelwano, ngokuvamile namalungu amabili. party Okokuqala - ngomshuwalense (inhlangano kungaba sangasese masheya yomphakathi). Okwesibili - yemvelo futhi abantu zomthetho.

yemfanelo umshwalense sika:

1) ukuze sivale lapho sisilela kolunye uhlangothi umonakalo lapho kwenzeka efanelekayo (izinhlekelele zemvelo).

2) Nesithakazelo umuntu wemvelo noma womthetho nemithetho futhi umehluko wemisindo nemiqondo yamagama ukuthi okuhlotshaniswa nale sihloko.

3) Ngaphezu isinxephezelo umonakalo ukuthi kwabangelwa kumcimbi kwesamba, futhi buyisela nezinye izindleko.

4) Ingabe ngeke akhiphe ukwaziswa okungase ezwa iqembu lesibili kuya sivumelwano (okuyinto zihlanganisa impilo, impahla, nokuningi).

5) Ngemva ebhaliwe isaziso pholisi kungase kuthathe indawo umzuzi umuntu ehluke ngokuphelele.

6) Esimweni ekunqanyulweni ekuqaleni yesivumelwano kusengaphambili kuvimbela ehlangothini lwesibili.

Izivumelwano kwesamba:

1) ukukhokha ngesikhathi esifanele iminikelo.

2) ulwazi izimo mazaziwe nguye, okuyizinto ezibalulekile ukuze kutholakale imbangela kumiswa umcimbi kwesamba.

3) Ekuphetheni inkontileka, leli qembu uyaqhubeka ezinakekela ukuphepha impahla.

4) Ngokushesha wazise inkampani yomshwalense mayelana nezinguquko yokubhekana nezimo inkontileka.

5) Njengoba ngokushesha ngangokunokwenzeka azise enye inhlangano yengozi.

6) Inikeza ilungelo subrogation kuya umshwalense (ayemkweleta ushintsho nezikweletu umshwalense).

7) Esimweni ekunqanyulweni ekuqaleni yesivumelwano kufanele azise enye inhlangano ngenhloso yawo.

MCK - inkampani yomshuwalense

Vula Joint Stock Company, ngokuthi "eMoscow inkampani yomshuwalense" (isifinyezo "CMC") yahlonywa iqhaza Government of eMoscow ekuqaleni kuka-1998. Kusukela maphakathi nawo-2007 umninimasheya esemqoka yalolu inkampani ubhekwa ka "Capital Insurance Group." Ukulawula athwala hhayi kuphela Government of eMoscow, kodwa futhi inhloko-dolobha amabhange.

MSCs (inkampani yomshuwalense) has a enhlokodolobha charter, okulingana ruble ezingaphezu kwezigidi eziyizinkulungwane ezingu-3,5. libuye libe ilayisensi ukwenza umsebenzi 23 izinhlobo umshwalense, okuyinto okuhloswe ngalo ukubhekana izithakazelo zazo zonke izakhamuzi. Ukuthembeka kanye nekhwalithi umsebenzi kuqinisekisa Fitch Isilinganiselwa isilinganiso ngamazwe ejensi. MSCs (inkampani yomshuwalense) ukusimamisa izikhungo zezimali kokubili kwi kazwelonke ngezinga angaphandle.

ubuye ilungu inyunyana izinhlangano eziningana ezifana "Zonke-Russian Union" (BCC), "eMoscow Association" (ICA), "Aviation and Space Corporation" (RAAiKS), RSA nabanye abaningi.

nokwethenjelwa lwezezimali inkampani yomshuwalense

Kulo nyaka inkampani anda nomholo ukukhula kokweqa isilinganiso emakethe idatha 2007. Imali ephelele yale lo umshuwalense safinyelela ruble 5.8 bhiliyoni. Inkampani inemali ayo, kanye Imali etholakele lapho ukuvikelwa ezimakethe zomhlaba jikelele futhi ezifuywayo, ukunikeza ithuba izinkonzo yinkimbinkimbi nelula. Ngesikhathi esifanayo, inkampani uqinisekisa ikhwalithi kanye nokusebenza ngokwethembeka izibopho azithathele.

Ngokwe-orientation yezenhlalakahle zohlelo MSC (inkampani yomshuwalense) ukuhlangabezana nazo zonke izidingo zanamuhla: lapha ukuthathelwa umshuwalense wempilo, impahla kanye nomthwalo wemfanelo yezakhamuzi.

Ukwandisa inani abathengi abasebenzisa amasevisi le nhlangano, bavula amahhovisi amasha MSC (inkampani yomshuwalense). Amagatsha le nkampani zitholakala emadolobheni kuka 170 of the Russian Federation. Inani le inkampani yomshuwalense ibhalisiwe cishe ejensi 120 futhi amagumbi amancane 55.

ezicini ezinhle inhlangano

Buhle nobubanzi balolu inkampani kugujwa izinhlangano ezinkulu lesifunda kanye wedolobha namabhizinisi. Lezi zigaba zibandakanya eMoscow Uxhumano Power Company (MIPC), Segezha Umtfumbu neLiphepha Mill (SPPM). Libuye omuhle mayelana inhlangano aphendule Novosibirsk Metallurgical Plant (NMP), "imisele yamanzi", ezinye izinkampani eziningi kanye namabhizinisi.

Le nkampani iyona ejenti eyinhloko Government of Moscow on umshuwalense nempahla, laphetfwe nguhulumende, izakhiwo ezahlukene, abasebenzi Franchise emkhakheni we iziphathimandla zikamasipala kanye nesimo.

Ngaphezu Uhulumeni wale nkampani unesinye counterparty unomphela - "Bank of Moscow". Kule ndawo, le nkampani kumele ukuhambisana nezibopho ngaphansi uhlelo mortgage abolekise, eseduze imoto sokubolekwayo. Iphinde ibambisane nezinye Russian amabhange: Agricultural Bank, Gazprombank, VTB-24, "Alpha", nabanye abaningi.

izici Negative emisebenzini inkampani yomshuwalense

Ngaphezu izinzuzo kule nkampani kukhona nemibi:

• ikakhulukazi izakhamuzi ukushiya impendulo engeyinhle inkampani yomshuwalense msk;
• kwezinye amagatsha inkampani abasebenzi basebenze, kukhona ulimi lokwedelela esetshenziswa olungcolile ukubhekana zonke amakhasimende ayo;
• izakhamuzi eziningi abangajabule ukuthi imibuzo yabo, ikakhulukazi ezihlobene zomgwaqo, ziyaxazululwa ezinyangeni ezimbalwa;
• Kukhona izimangalo eziningi isahlulelo phezu MSA;
• MTPL inkampani yomshuwalense akusho ngaso sonke isikhathi ukubala kahle, amaphutha ahlukahlukene ezihlobene nalolu daba ziye zabonakala;
• CASCO izindleko futhi ibalwa ngendlela engafanele, akuthathi ku-akhawunti okuhlangenwe nakho ukushayela;
• muva MSCs (inkampani yomshuwalense) ihlanganisa amagatsha, ngaphandle ngichaze izizathu amaklayenti ayo izinyanga ezimbalwa ngo-2014 saphela usebenze Amahhovisi emizini Kurgan, Smolensk, Syktyvkar, Barnaul, Zheleznogorsk (eKursk esifundeni), Ryazan, Chelyabinsk, futhi kuyinto encane kuphela ingxenye .

Overseas Impahla Umshwalense

Emazweni angaphandle, Umshwalense we izakhiwo kanye ezokuthutha Sekuyisikhathi eside umkhuba ovamile kakhulu. Lokhu kusinikeza ithuba ukulungisa umonakalo ngesikhathi izimo ezingalindelekile. Nokho, angaphandle umshwalense uhlelo has izici zayo siqu.

Ngakho, kufanele kuphawulwe ukuthi indima cishe juqu inenani kwempahla esiye noma uzobe kuluthola. Ngokwemvelo, siyoba sikhulu ukuthi imalini, lo ezibizayo kuyoba umshwalense. It is kunakwe, kungakhathaliseki impahla yindawo yokuhlala, noma akulona izindlu kuphela. Ngakho, uma kukhona izingozi ezingase zibe khona, ucingo inkampani yomshuwalense msk enza thola cishile. Konke kwenziwa kusengaphambili, njengoba le nkampani ihlonipha amakhasimende ayo kanye izinqumo zabo.

Umthelela on izindleko inqubomgomo inikeza umshwalense futhi umlando lokho okubizwa ngomlobokazi insimu lapho kokhona kuluthola. Iqiniso liwukuthi uma le ndawo ngokuphindiwe hit izinhlekelele zemvelo, inkampani ibekwe kahle ukwandisa usayizi izinkokhelo umshwalense. It is kunakwe kanye kuphela kakhulu endaweni lapho isikhungo ikhona.

Umehluko oganizatsy elise eRussia nakwamanye amazwe

Ezweni ngalinye, nomshuwalense ngaphezu standard, izinto ezengeziwe. Ngokwesibonelo, eFrance, ezithandwa kakhulu izivumelwano ukuthi ukuthathelwa umshuwalense abanikazi lapho balikhiphe. ENgilandi, ngeke ukuthathelwa umshuwalense ngokumelene ukulinyazwa kwempahla elafika ngenxa ukuqhuma a kubhayela isitimu isitoreji gas izindawo, ukwehluleka isimiso sokuthutha indle noma ugesi, ngisho ekwindla ka iyiphi idivayisi emoyeni-injini. Futhi eJalimane Franchise okwandile icala civil, okuhloswe ngalo ukuze sivale lapho sisilela yomonakalo komunye umuntu noma impahla yabanye abantu. ECzech Republic kungenzeka ukuthola umshwalense ukuthi lizokubuyisela umonakalo uma enza umonakalo kuya landscape imvelo. E-United States, yena, kuthandwa kakhulu isihloko umshwalense, esihlinzeka ukunxeshezelwa umonakalo kungenzeka uma ukulahlekelwa amalungelo impahla nezindlu ezithengiswayo.

Uma sithatha, isibonelo, inkampani Russian ezifana MSC (inkampani yomshuwalense), website esemthethweni ukuqinisekisa ukuthi azikho izimpawu awunazo.

Igama elithi ezincane ze-CTP

abanikazi abaningi imoto bayaqaphela ukuthi ukushayela emigwaqweni akuvunyelwe ngaphandle saziso wesithathu umshwalense isithiyo. Kungenxa yokuthi lokhu izakhamuzi futhi baphethe izinkontileka nezinkampani ezahlukene. Ngokusho umthetho, okuyinto ethatha ensimini ka WaseRussia, kwesikhathi okungenani CTP kungashintshwa ezigabeni ezintathu.

Inketho yokuqala - abanikazi kabani imoto isidlulile ukubhaliswa isimo ngaphandle Russia. Kubantu abanjalo inkathi elinganiselwe izinsuku 5 kuya ku-15.

Eyesibili inketho - abantu abalandela endaweni yokuba babhalisile noma ekuhlolweni lobuchwepheshe emotweni. Isikhathi obuncane yizinsuku ezingu-20.

Eyesithathu inketho - okuvame kakhulu. Inkontileka kuphothulwe, uma kwenziwe ukubhalisa ne omgwaqo. Isikhathi esincane akumele kube ngaphansi kuka-3 izinyanga.

Kuleso simo, uma unquma ukuthathelwa umshuwalense imoto yakho ngoba ingxenye eyodwa kwezine (inkathi), izindleko inqubomgomo kuyoba 30% lemali yonyaka. Ngokuvamile, lezi zinhlobo inqubomgomo MTPL ukuhlobisa abanikazi imoto usebenzisa imoto akuyona round.

lwati lolufinyetiwe Hull

Lolu hlobo lwe-umshwalense ubhekwa yokuzithandela. Uma kukhona inqubomgomo CASCO isakhamuzi bengathola isinxephezelo yezimali nokweba imoto noma ilimaze uzobabangela impilo umshayeli nabagibeli. imali yokugcina sizonikeza inhlangano kuwe isicelo okuyinto. Ngokwesibonelo, uma unquma ukuze asayine inkontilaka bese inqubomgomo, khetha inkampani ezifana MSC (inkampani yomshuwalense). Amakheli amagatsha endaweni yakini kungatholakala kuyi-Internet.

Amapharamitha elandelayo ngokuvamile kunakwe kulesi sibalo sikebhe:

• nemoto brand;
• unyaka womshini umshini (ngokuvamisile ukuthathelwa umshuwalense izimoto ezintsha kuphela);
• yobudala yokushayela (asebekhulile ngokuvamile uyaphuma ezibizayo);
• ukushayela isipiliyoni (Wabasaqalayo sizinake ngaphezu kuqhathaniswa abashayeli abanolwazi);
• khona Franchise (inqubomgomo yayo ukusetshenziswa kuyoba eshibhile);
• ukupaka imoto zokuqukethwe okuvikelekile (kulesi simo ibhodi buzoba buncane);
• khona anti-theft alarm;
• isifunda lapho imoto izosetshenziswa.

MSCs (inkampani yomshuwalense), indawo esemthethweni futhi konke ephathelene nayo

Ungathola ulwazi oluningi ezahlukene mayelana inkampani ethile noma ibhizinisi. Ngesikhathi esifanayo, ungathola inthanethi, okuyinto ukukhuluma mayelana nezinhlangano omubi. Ulwazi Esinokwethenjelwa kubhekwa, okuyinto yashicilelwa ku-website esemthethweni. Ngakho, uma unquma ukuthola ulwazi mayelana yenhlangano, efana isibonelo inkampani yomshuwalense msk, ukubuyekezwa kanye neminye imininingwane mayelana zakhe azilona imfihlo.

Ngosizo website esemthethweni yenhlangano zingenziwa inthanethi ukubala bewuzokuba yini izindleko cishe inqubomgomo CASCO futhi MTPL. Ukuze wenze lokhu, faka idatha edingekayo emikhakheni ethile (brand, ngonyaka, ubudala ukushayela isipiliyoni). Lapho inthanethi, ungenza ukukhetha ngokubala maqondana inkampani ethize umshwalense. On izinsiza inthanethi, ungabona izimpendulo ezinhle nezimbi bayizakhamuzi uke kuyasetshenziswa kule noma ukuthi inhlangano ukubanjwa wabeka izinkokhelo zabo.