NPF "European Pension Fund" (AO) amasevisi izinzuzo. Isikhwama "European" (NPF): impendulo amakhasimende nabasebenzi

NPF "European" - omunye wabaholi emakethe yezimali Russian Federation, ogama amaklayenti babe abantu abayizigidi ezingu-1,8 baba. Ekufezeni imisebenzi ku ekuphetheni izivumelwano zama-OPS ezingekho ngaphansi kukahulumeni Russian izakhamuzi umshwalense iminyaka 22, "European Pension Fund" (NPF, AO) libuyekeza umsebenzi ejenti kanye nokukhokhwa iminikelo impesheni akufihli - kuwebhu kukhona kokubili amakhasimende anelisekile futhi baqole zimali.

Kusukela yemali - at NPF

Ekuqaleni lesi sikhwama wazibiza ngokuthi "imali yempesheni" futhi amasevisi anikezwa kuphela impesheni. Kusukela 2012, umugqa umkhiqizo NPF "European" esivumela ukuba simnikeze amakhasimende isevisi yomshuwalense kanye inhlalakahle yawo wonke akuthandayo: kusuka kube isiphelo sesimiso ejwayelekile izinkontileka OPS ukuba izinhlelo nempesheni ngabanye futhi corporate, kuhlanganise impesheni Consulting, ukuqaliswa womama dolobha, izimpesheni co-ngokwezimali. Ihhovisi Head itholakala ehhovisi eMoscow, kodwa isimo sendawo inkampani ithumba futhi kwezinye izindawo. Uphenyo NPF "European Pension Fund" kuyi-Internet kuyizinto ezivamile - kusuka isikhungo ezikhethekile kakhulu, ethola izicelo abasebenzi we amabhizinisi Metallurgical, sekuwumkhuba inkampani yomshuwalense widebody, silokhu sikhonza njengamaphayona esikhathi inkontileka ngabanye kanye nesimo yenkampani isicelo.

abalingani Isikhwama

izinkampani Key ubambisana Foundation "NPF European" (izibuyekezo imisebenzi yabo zaziwa emhlabeni wonke), yilezi:

• Amabhange 'evulekile' futhi 'Bean Bank "(" Ukutholwa "inikeza i-akhawunti yamanje OPS-izinkontileka," Bean Bank "- Umhlalaphansi (NGOs))," City Bank "," i-European Bank Reconstruction and Development Bank "," Renaissance Capital Bank "," Imithombo Europe Bank ".
• abalingani Western: Morgan Stanley (ibhange commercial American, okuyinto iyingxenye eliyifa esikhulu), Deutsche Bank - Ibhange isiJalimane, ejenti omkhulu wezizwe.
• Russian abaholi ngezinsimbi umkhakha - Chelyabinsk Ural futhi 2 Tube Rolling Plant.

Abanikazi NPF "European"

Iningi amasheya eNkampani, okungukuthi - 30%, ngonyaka ka-2012 laba impahla yabantwana "Ibhange aseYurophu neKwakha kaBusha nekuTfutfukisa "(EBRD). Nokho, imisebenzi yebhange ayigcini ukuthenga 1/3 kuphela APF amafa, ngemva kuthengiselana, kanye Chelyabinsk Pipe Rolling Plant isakhiwo sezimali wathenga enye 25%.

Ngakho, inkampani laqala ukuqhuba iningi amafa yesikhwama (55%), okuyinto, ngakolunye uhlangothi, ukuthuthukisa ukungaguquguquki esimweni sangaphakathi (lapho abanikazi washintsha omunye ngemva komunye, bekhulisa kanye abasebenzi abasha kanye abalandeli, ngamunye kuwo ufuna ukuqondisa imisebenzi "Yiqiniso yayo"), futhi ngakolunye - wabhubhisa ukuncintisana namanye amafemu abe isikhungo ezikhangayo zezimali ezifana.

Nokho, lokhu akuzange kuthinte izimpendulo zalabo idluliselwe NPF "European", - ngokuvamile, amakhasimende ukuhlola imisebenzi esemthethweni njengoba ekhula kancane kancane, kodwa nasekubeni ungamukelwa lizwakalise mayelana nendlela ungene ezivumelwaneni nazo, amanxusa umshwalense abangekho esabe ukufika ekhaya abangafaka imali emabhizinisini abo futhi ifomu obukholisayo ukubuza akhethe inkampani yabo njengoba indawo ye ukudluliselwa impesheni ekuqongeleleni imithombo.

Isilinganiselwa bemphesheni yangasese "European" Isisekelo "Isazi RA"

Uma inkampani imatasa ukuthengiswa kwemikhiqizo zezimali kanye yomshuwalense labantu isiRashiya, asesabi iqhaza rankings of abazimele uchwepheshe ejensi e, kuba nomphumela omuhle isimo kuleli qembu, futhi izibuyekezo NPF.

"I-European sempesheni" - esinye sezibonelo yesiteleka kakhulu amafemu ukuthi iqhaza le rankings in. Le nkampani iye ezilinganiswe ejensi ezintathu ezinkulu: "Isazi RA", "ezimele isilinganiso ejensi" futhi inkampani RusRating.

"Isazi RA" ngoba amabhange kanye nezimali impesheni yangasese inenani elifanayo njengoba cindezela, ngokuba njengomumo lezi "abahluleli" imisebenzi kwezomnotho kanye umshwalense ungalaleli kuphela lezo zinhlangano ukuthi asifuni ukuba esitebeleni iklayenti ukugeleza, futhi akunandaba indlela bezikhali izinkampani zomshuwalense ayoyikhetha ikusasa yabo siqu. 2015 avunyelwe inkampani ukuthola amamaki aphakeme ukuzinza namandla zezezimali kanye yomshuwalense - A ++. Amankampani ukuthi uthole amaphuzu aphezulu anjalo, ngokushesha ezikhangayo emphakathini - njengoba manje amakhasimende ngokuya benaka ngokubona abantu odlule oVikelwe ukuba ashiye amakhaya amakhasi ku-intanethi.

Thola amaphuzu aphezulu, "European NPF" izibuyekezo ezenziwa abangane bakhe zingaba ngiphendukele kolunye kwesokudla zezimali - kuwebhu babengenalo izikhalazo ezivela oVikelwe yokuthi amakhasimende bangabaza ukuzinza inkampani noma babengaqiniseki ukuthi inqwaba yabo iminikelo ngumqashi kukhona ezandleni omuhle.

Isilinganiselwa we "Independent Republic Armenia" - izibalo ebaluleke kakhulu kubona bonke NPF

Futhi nakuba ukuzinza Fund ayilona ungaqiniseki, ngisho ezifana abahlaziyi enethonya ngokuthi "Isazi RA" ithimba "isilinganiso azimele ejensi" ukuhlola inkampani kancane nesizotha more futhi ngabelwa Isikhwama kuphela 15 e ukubaluleka phakathi kwawo wonke NPF ye Russian Federation ngo-2015 ukuthi, Nokho, kuye kwaba nethonya kancane ku ukudalwa iphethini ezivamile yenhlangano (izibuyekezo "NPF European" ezihlobene isimo sezimali emakethe, uye wathola kuphela okuhle, futhi kungase kutholakale izibalo, isibonelo, 3,42% we share Imininingwane kobunikazi emakethe futhi 11 th by volume imali yomhlalaphansi abantu kwesamba).

RusRating - yingcweni izinkampani zezimali Russian nasemazweni angaphandle

Obekukade uhlolwa NPF nezinye enethonya ejensi kohlaziyo - RusRating. Le nkampani iye yaklonyeliswa inkampani kazwelonke "enkundleni" ezinzile futhi amandla isivuno - AA. Kodwa imisebenzi ngamazwe lomuntu zomthetho ayiyinhle - ngo-2015 kwalinganiselwa ngesizotha - Bbb, okusho ukwakha inhlangano abasha, angeke akuqinisekise 100% impumelelo khona ensimini yomhlaba wonke yemikhiqizo umshwalense impesheni.

Kodwa-Inthanethi NPF "European sempesheni" Izibuyekezo ikhasimende bakwamanye amazwe abatholi - lokhu kungenxa isabelo esincane emakethe (esingaphansi 0.01%) kanye njengobunengi bemiphefumulo kwesamba, okuyinto isiyonke musa idlule abantu abayizinkulungwane 2 ..

Futhi mgomo yenkampani is zihlose kakhulu edonsa amakhasimende yasekhaya - ekusakazeni kwamangqamuzana incane, kodwa umshwalense izakhamuzi zawo ejenti lula kakhulu ukudlulisela Izinzuzo esemqoka we shintsho NPF futhi isivumelwano, ngaphandle kokulinda ukuba kwemvume abameli noma ekuqedeni ezicashile bureaucratic.

Yingakho share enkulu impesheni esizayo nokuzuza abamukeli abashiya Izibuyekezo NPF "European" - baseRussia (99.98%).

ukusebenza lwezezimali of inhlangano engokomthetho JSC NPF "European PF"

Imisebenzi NPF "European" Izibuyekezo ikhasimende kuwebhu ukuthola akunzima - ke ingenye abaholi emakethe futhi limatasa ngemvume ops kanye lenhlanganiso ezizimele zodwa bangezwani kuphela ngenani elilinganiselwe abantu kwesamba (isibonelo, njengokwenza izinto okubhekiswe izimali ngasese ezidinga abasebenzi babo lokhu inkampani ngesisekelo yokuzithandela-ayimpoqo yokudlulisa imali yabo esikhwameni angomakhelwane noma ezibangela), kanye ne-indastri ezibanzi amaklayenti - ukuze uthumele iminikelo yazo yempesheni kukhona zonke izakhamuzi zaseRussia.

Inombolo izivumelwano, umsebenzi luyanda sibonga umsebenzi ehlelekile amanxusa umshwalense, kunemtselela ibhizinisi NPF.

Ngo-2015, impesheni enqwabelene ngumuntu ezingekho ngaphansi kukahulumeni, baye bathola okungaphezu 2368 amakhasimende usayine inkontileka yomshuwalense okuyimpoqo impesheni, futhi ngo-1921 umuntu ngelungiselelo non-state. Lonke inani izimali, eyayibonakala elibanzi eliqonde ukuqinisekisa ukuthi imisebenzi yazo kubantu kwesamba, zaba ekupheleni nesikhathi sangaphambilini 49 ayizinkulungwane 319,04 ruble OPS futhi 15 ayizinkulungwane 586,29 ruble - .. Ukuze NGO. Lena inkomba enhle kakhulu futhi sithinta oVikelwe ngokuphathelene kumakhasimende angaba namandla, kanye neqiniso lokuthi zimali kakade isivumelwano ukuqaliswa izibopho yi "European" (NPF) Buyekeza uhlamvu omuhle kuphela.

Impumelelo yezezimali kwenhlangano engokomthetho "European PF" phezu izinkontileka abantu oVikelwe, ngubani adluliselwe ingxenye accumulative impesheni, le nkampani ibilokhu njalo okusezingeni eliphezulu: ngo-2015 inani lenzalo ifinyelele 13,63%. Ukuze ukuhlinzekwa non-isimo inzuzo Isikhwama "European" zaba 15,64%.

Ngokwezibalo kusukela izinkampani renkingovyh, ukuhlaziya ingxenye yezimali yesikhwama, ngesikhathi 2010-2015. inani iminikelo impesheni oVikelwe isikhungo izinhlangano zezimali kukhuphuke ngo 101,4%.

Impendulo kulabo owazi ukuthi ukhuluma. Yini abasebenzi ukukhokhela inkampani yakho?

Naphezu kweqiniso lokuthi umbono on imisebenzi iyiphi inkampani inikeza ngamasevisi emphakathini, umgomo kungaba kuphela ukwenza ikhasimende uma sisebenzisa ngokwayo ukuze ibe inhlangano engokomthetho, ngesikhathi kukhethwa izakhamuzi NPF ngokwethukela ephendulela ukunaka kwabo ukubuyekezwa ngokwabo abasebenzi. Lokhu kungenxa yokuthi ezinokuthambekela wemfanelo enhlanganweni yangaphakathi ngokuqinile kuvikela isimo yokwamukela eqenjini, futhi sithinta ngendlela amanxusa umshwalense ufuna ukuba bafake isandla ekuthuthukiseni inkampani, nokuningi bahileleke ubuchwepheshe ipulani OPS futhi NGO izinkontileka .

Sebenza NPF "European", ukubuyekezwa zazo ezibekwe phezu inthanethi ezahlukene kakhulu kusukela imisebenzi agents kwezinye izinkampani ze-non-state - futhi lapha nalaphaya ezindaweni isibopho ngomshuwalense kuhlanganisa ukuthuthukiswa esebenzayo imikhiqizo impesheni, kanye ukwelulekwa amaklayenti asebethole adluliselwe impesheni yabo ekuqongeleleni enhlanganweni. Ngokuvamile baphoqekile ukuba benze izindlela zonke efulethini, njengoba engenayo iklayenti ukugeleza akakwazi ukunikeza 100% ukusebenza ukusebenza ibhizinisi njalo.

Mayelana NPF Izibuyekezo "European" abasebenzi abaye bathuthela kwenye inkampani, engathandeki - abanye akhononde ukubambezeleka inkokhelo, elinye - ukwenyusa isimo ingxenye iziphathimandla, engafuni ukulalela bathethelele izinkampani zomshuwalense, okuyinto kuhlulekile ukuheha amakhasimende amasha. Kodwa lokhu akusho ukuthi umkhathi yangaphakathi eqenjini, "izinyonga" - iningi izisebenzi aneliseke zamanje yabo umsebenzi endaweni. Yenza ukusebenza ibhizinisi kanzima yonke indawo, kungakhathaliseki ukuthi amabhange noma nezinye izinhlangano zezimali, kanye nomsebenzi ehhovisi okufanayo ezenza ungakwazi ukukhokhela hhayi yonke inkampani.

NPF "European sempesheni" abasebenzi Izibuyekezo ukuthi akhononde non-ukugcwaliseka plan uyakucabangela kuphela uma ubuqiniso ezahlulelweni zabo. Nokho, akekho kubo uthi ku-100%, okuyindawo okuphakelwa kuyo okubi kakhulu umsebenzi - inkampani uye wadala nemibandela yokuthengisa asebenzayo, uqhuba trainings kanye ukuqeqesha abasebenzisi abasha, basuse futhi ekulungele ukusekela labo bayakwazi ukuthuthukisa imikhiqizo umshwalense. Kodwa, ngokungafani amabhange kanye microfinance zonke NPF kunzima ukufeza ukwanda amandla kodwa ayikhanyi kakhulu ngakho ukwakhiwa izisebenzi - iningi isimo kuhlala nabathengisi ngobuholi izikhundla amele ngaphansi kwama-5% lonke iqembu.

Labo ukubona ikusasa yabo ejensi umshwalense noma APF kufanele uzilungiselele ukuqinisekisa ukuthi umdayisi ngaphandle amakhono ukuze ubuyele njengenhlangano agent akunakwenzeka ukuba aphumelele.

impendulo kwamakhasimende mayelana nemisebenzi ye-"European"

Inkampani ezifana "European Pension Fund" (NPF, AO) Izibuyekezo kuwebhu mayelana nemisebenzi yalo akacashi - yenqubomgomo yemfihlo yasebhange futhi ibhizinisi impesheni ayikaze iphumelele ngokwengeziwe. Ngakolunye uhlangothi, yamalungu ezingaba unesithakazelo kakhulu indlela ukuze uthole ukuqaphela esiphezulu inhlangano engokomthetho, abakubonayo njengoba uya khona uthumele imali yabo.

Kodwa ngaso sonke isikhathi nokuvuleka ephelele yisikali sokuthi umsebenzi ngokwethembeka. Ngokuphambene, umsebenzi yesikhwama, kanye nezinye izikhungo eziningi ezingekho ngaphansi kukahulumeni, umshwalense, maye, akusho uthole ukusekelwa ezingaphezu kuka-20% amaklayenti. Zisuka izitatimende engathandeki, ikakhulukazi iqiniso lokuthi "European Foundation" (NPF) ikhasimende impendulo, ngilangazelela ukufika ikhadi ukufinyelela ku-akhawunti siqu, umane indiva. Lokhu inkinga isikhalazo ukhiye phakathi kwezinye izibuyekezo abantu oVikelwe, okuyinto bashiya ku-intanethi.

Eyesibili lento adumile engenzi ivumelane namakhasimende siqu ukuvakashelwa ejenti. Le ndlela nokuthengisa imikhiqizo umshwalense ethandwa kakhulu ungaphakathi izimali ze-non-zomphakathi,, ngokungafani amabhange, akuzona ulayini zamakhulu amakhasimende nesithakazelo ukudluliselwa ukonga kumqashi. Kunalokho, ejenti ngokwabo ophoqelelwe ukubheka ikhasimende usebenzisa lezisekelo zazo kanye nezinhlelo, kodwa, ngokungafani kuya amakholi aphumayo, okuyinto amakhasimende kalula give up zokuvakashelwa - indlela ephumelela kakhulu lokudayisa ops kanye lenhlanganiso ezizimele zodwa.

NPF "European sempesheni" ikhasimende Izibuyekezo ngesikhathi zokuchithwa umkhiqizo umshwalense uyakucabangela, kodwa amanxusa umshwalense ke kumelwe ukwanelisa izidingo ezibophayo kakhulu.

Phakathi ezicini ezinhle - ukufinyelela okusheshayo nge ikhadi ikhasimende siqu, ukugxila yaseYurophu yesevisi futhi ifike ngesikhathi afanelekayo usizo edeskini ukwesekwa.

Yini elindele NPF "European"?

Naphezu kweqiniso lokuthi kuwebhu ngemisebenzi ifemu Izibuyekezo "sempesheni European" ikhasimende washintsha, inkampani isebenza emakethe nge impumelelo sobala, futhi uyaqhubeka ukuthuthukisa imisebenzi yayo ngesiphetho zezivumelwano OPS kanye lenhlanganiso ezizimele zodwa.

Mayelana yokuthi bomnotho kungaba inhlekelele wakhe ukuba ungakhathazeki - a "isiguqo" zezimali kuzovumela inhlangano ukuhlangabezana nezibopho zakhe, futhi ukwanda komthwalo isibalo amaklayenti ukuheha ngenzuzo nakakhulu inkampani.