Namuhla zimali ngaphambi ngokubeka idiphozi, khetha ibhange ngokucophelela, kokuhlola ukuthembeka, benaka izipesheli kangcono nezimo. Vele ambalwa eminyaka adlule, isinqumo esinjalo akanikwa, futhi zonke izakhamuzi kwakufanele izimali, ukwethemba imali yabo Sberbank. Abantu iminyaka ubeke eceleni imali izidingo ezihlukahlukene, umuntu efuna ukungazi imali noma yini akaphiki elidala, omunye umuntu avula i-akhawunti egameni enabantwana noma abazukulu, abanye ufuna ukulondoloza ekhaya lakho noma imoto. Kungakhathaliseki ukuthi laliyini, kodwa ngo-1991, wonke amathemba ashabalala ngomzuzwana. emashumini zanqwabelana devalued imali kaningi.
Kusukela isimo bekungeke kulunge ukushiya abantu bakhe ukuba isiphetho sabo, kanjalo isinxephezelo imali eyenziwa ngo-1996. Yiqiniso, ulwazi olumayelana nayo ekujaheni ukudalula, bambalwa kakhulu ukwazi ukukhokha, futhi engase akwazi ukubala izinhlayiya phezu emabhange imali abazalwa ngaphambi 1916. Kodwa manje imithetho zishintshile, futhi isinxephezelo for imali ayatholakala kuzo zonke izakhamuzi abazalwa ngaphambi 1991.
Ikhumbula kwamandla emali, uhulumeni washayelwa isikimu inkokhelo elandelayo. Kuye yobudala depositor iminikelo Soviet ezophindaphindwa ngo izikhathi ezimbili noma ezintathu. Ngakho, kulabo abazalwa ngaphambi kuka-1945, sihlinzekela ukunxeshezelwa kathathu inani imali ngo-1991, labo abazalwa phakathi 1946 kanye 1991, uzothola isinxephezelo ubukhulu double.
Ngisho noma inkokhelo sezivele zenziwe zimali unelungelo ukucela zokubala kabusha. Umnikelo kokuqala ezophindaphindwa ngo ezimbili noma ezintathu. Kuleli nani kufanele emalini isinxephezelo kakade wathola, kanye nokulinganisela uzobe ikhishelwe umfakisicelo. Konke lokhu isebenza uma umnikelo evumelekile, uma isivaliwe, isamba iyanda yi izici zokunciphisa. Coefficient incike umnikelo uma yavalwa kuka kamuva kwenziwa, ayanda ukubaluleka kwayo. Endabeni ukuvala idiphozi ngo-1991, isinxephezelo for imali ikhokhwe akuzona imali.
Namuhla, isinxephezelo inikezwa for imali kubanikazi bazo kanye izindlalifa. Esimweni sokuqala udinga ukuxhumana uMnyango Sberbank abazithandayo nge bankbook futhi iphasiphothi. Uma ibhuku lilahlekile, udinga ebhange ukuze ubhale isitatimende. Uma depositor ufile, isinxephezelo ku ezifakwa ukubeka kwendlalifa yakhe. Kulokhu, kufanele abe yamapasi, iphasipoti, idokhumenti eqinisekisa yisakhamuzi Russian we depositor futhi isitifiketi yefa.
Ngaphandle Russia, wokukhokha imali yesibambiso zenzeka kwamanye amazwe, ngaphambi wangaphambili republic aseSoviet. Esheshayo asabela ngayo Lithuania. Mayelana 80% isukela azimele walithatha sekukhokhwe imali elahlekile. Kulolu shicilelo Kazakhstan isinqumo ukukhipha izibopho. Bayobe ngokugcwele kubuyiselwe ngokubi impesheni eminyakeni 5 noma 10, futhi izakhamuzi enamandla - 15 - 20 iminyaka. Armenia ihlele nxephezela ngokugcwele ukufelwa emabhange ukuze 2015. Okokuqala, inkokhelo eyenziwe abaswele kanye nabahola impesheni. Azerbaijan wathembisa ukuxazulula inkinga ngoba iminyaka engu-10. Ngo Belarus Moldova nazo kubhekwe ukuthi kungenzeka isinxephezelo, kodwa ngenxa yokuntuleka yokukhokha cishe akukho mali.