Umshwalense Idiphozithi. Uhlu amabhange kufakwe ohlelweni umshwalense idiphozi

Idiphozithi Insurance System (DIS) - indlela yokuvikela imali ebhange amakhasimende. Lolu uhlelo ekhethekile ukusebenza nge isimo. Esimeni icala umshwalense ingozi (isib ucabanga) we Idiphozithi Insurance Agency (DIA) e esikhathini esifishane eyokwenza emabhange lonke inani ngaphambilini abazenzayo, futhi kudala uhlu amabhange kufakwe ohlelweni umshwalense idiphozi.

Umgomo we operation ye-Russian isimo CERs

Ukusebenza lesi sakhiwo ngokuhambisana FZ № y77-FZ ka 23.12.03 Injongo eyinhloko yawo wonke uhlelo state (uma kwenzeka ukuqedwa isakhiwo yasebhange) ukubuyela zimali etshaliwe yonke imali yakhe ngezithukuthuku emthonjeni othile, okuyinto ngokwezimali ukuzimela ngokuphelele bangabi ubani futhi noma yini. Ngaphezu kwalokho, zimali akudingeki ukuba ngaphezu kwalokho siyophetha ngenkulumo isakhiwo ibhange efanayo inkontileka ekhethekile eminikelo umshwalense. Uhlu amabhange kufakwe ohlelweni umshwalense idiphozi, lenziwa yilabo bonke izikhungo zezimali anikeza izinkonzo ezifanayo.

nemisebenzi Agency

Umsebenzi oyinhloko we-Ejensi wukuqinisekisa ukuthi imisebenzi uhlelo lomshuwalense imali sabantu ngokomzimba yemali. Amalungelo silisebenzise zonke izici futhi izigaba ubudlelwane yasebhange, Central Bank futhi izimali zabo emabhange. Imisebenzi esemqoka lesikhungo:

• Lawula ubuyise Isikhwama umshwalense, ebambe ukuqoqwa iminikelo amaqembu.

• Uhlu amabhange kufakwe ohlelweni umshwalense idiphozi: ezimali zayo, lolo shintsho.

• Izimali nezethulo emabhange, ukwamukela izicelo idiphozi imbuyiselo.

• Inani nokubuyisela.

• Ukuchaza izimo futhi inqubo yokukhokha ebhange izibalo.

• Ukutshalwa kwezimali kwezimali isivuno sisiningi kakhulu khona ngenjongo engeziwe okwenza inzuzo ngokuhambisana nomthetho ezikhona.

• Le mfuneko kolwazi ukusekela amabhange ku ukusebenza lonke isakhiwo umshwalense.

• Isikhalazo kuya Central Bank on isicelo izinyathelo ezifanele amabhange, okuyinto i- nezimfuneko zawo.

Amaphathi CERs

Amalungu zalesi simiso amakhasimende isakhiwo nolwasebhange Russian Federation:

• Amabhange anezithunywa ilayisensi yokuqhuba imisebenzi nabantu, okungukuthi, amabhange kufakwe ohlelweni umshwalense idiphozi.

• Idiphozithi Insurance Agency.

• CBR. Kuyinto isici zokulawula kulesi simiso.

• Takhamuti WaseRussia, nge isimo umuntu.

• SP abangenalo ilungelo elingokomthetho, kodwa ngubani ukuvula i-akhawunti nokusebenza ukusebenza ku uchwepheshe isisekelo (avdokaty noma notaries).

• Abanye ejensi, okuyizinto futhi ngokomthetho, kanye namabhange, ngaphambili waqaphela njengoba izinhlangano ezihlinzeka amasevisi umshwalense.

Yikuphi amabhange zifakwe simiso saziso umshwalense idiphozi ku Russian Federation? Impendulo shí zonke amabhange. Hhayi ebhange olulodwa abakwazi ukuthola ilayisensi, uma hhayi inhlangano CERs. Ngenxa Ukuvikelwa uhlelo civil imali ebhange eRussia kusukela ngo-2003, kukhona uhlelo imali umshwalense idiphozi (SSDV). Inhloso yalesi simiso ukuze sivale lapho sisilela ezifakwa sokuya empini ye umthombo wezimali, uma sekube ukumisa imisebenzi lenhlangano yezezimali, ingxenye uhlu amabhange abambe iqhaza ohlelweni of oyisibopho umshwalense iminikelo. Sidinga umthombo ezengeziwe zezimali - yesikhwama reserve umshwalense. Yena kwamiswa ejensi umshwalense. Ngesisekelo replenishment (omunye eziningana) kanye Russian Federation amabhange ukuthi bazimisele ukusebenza ongekho empini. Futhi kuphela ngemva kokwenza umnikelo othile yemali kulesi sikhwama reserve lamabhange unelungelo ukuba athole ilayisensi ukusebenza abantu ngokomzimba. Isikhwama agcwaliswa amabhange nsuku ngekwata. I kwinani laleyo mali isethwe yiBhodi Labaqondisi. Kungenxa wonke amabhange okufanayo, kodwa ngezinye izikhathi sibhekana ukulungiswa, okuyinto yena, kungase kusekelwe isimo somnotho samanje kanye nabanye.

ezifakwa Insurable

Umshwalense kuncike imali, okuyinto zenziwa nganoma yiluphi uhlobo lwemali. Uma umcimbi kwesamba kwenzeka, zimali ubuyiselwe yonke imali, kodwa esingeqile ruble ayizigidi ezingu 1.4. Isisekelo umshwalense futhi ukhonza njengesisebenzi izivumelwano waphetha ukuthi amaqembu ku kuvulwa i-akhawunti egameni yasebhange yekhasimende.

Uhlu amabhange abambe iqhaza ohlelweni umshwalense idiphozi

Noma isiphi isakhiwo yasebhange nobuhlobo abantu ngokomzimba ngesisekelo ilayisensi likhona irejista Agency. Futhi kule oda reverse - yimuphi yasebhange wathi irejista has ilayisensi imisebenzi nabantu ngokomzimba. Uma kufakwe ohlwini amabhange kufakwe ohlelweni umshwalense idiphozi, khona-ke akunakwenzeka ukuba ngiqhube ukuthengiselana efanele. Bank engena uhlu wathi kuphela uma pay iminikelo ezithile kulesi sikhwama umshwalense. Futhi ejensi umshwalense, esikhundleni salokho, enegunya sikhiphe nobe ngusiphi yasebhange futhi ngaleyo ndlela ukulungisa uhlu amabhange kufakwe ohlelweni umshwalense idiphozi. Kuphela ezimweni ezimbili, ibhange lingasuswa ohlwini:

• Ukwesulwa kwelayisensi nabongci ezisebenza.

• Ukusungulwa kwe-Central Bank of the ukujanyiswa kwesikhatjhana yasebhange ngokuhambisana nezidingo nabantu abakweletwayo.

amabhange Okwamanje iqhaza ohlelweni lomshwalense ayimpoqo imali abantu ukwenza uhlu, okubandakanya izikhungo ezingaphezu kuka-1000.

Okokuqala, kungcono esikhulu owamisa yasebhange yesimanje Russian owaziwa, kukhona phakathi kwabo:

• Sberbank;

• "Gazprombank";

• "Alfa-Bank";

• "Agricultural Bank";

• "Raiffeisenbank" nabanye.

"Plus Bank", "Loco-Bank", "Cedar" kanjalonjalo: Ngaphezu kwalokho, idiphozi umshwalense kanye nokwesekwa isikhungo elaziwayo elincane.

Ukuze uthole uhlu amabhange abambe iqhaza ohlelweni umshwalense idiphozi (ingqikithi ezingaphezu kuka-800), kwanele ukufaka isicelo Agency. I website esemthethweni ye Inhlangano inikeza lonke ulwazi olufanele. Wabuye kuhlinzeke imininingwane ngokufinyelela kwi amabhange, okuyinto wayeshonelwe ilungelo ukuqhuba imisebenzi ukuze ukutshala imali izimali zawo ukukhokhela i-akhawunti ye-abantu zemvelo noma ukuhlanganyela imali yomshwalense izakhamuzi.

Izinjongo kanye indlela kwesiKhwama

Lesi sakhiwo zezimali sidalwe njengoba isisekelo ukusebenza civil yemali umshwalense idiphozi indlela. The main futhi cishe injongo yawo kuphela ukubuyela lonke inani izakhamuzi Depository abangekho amaklayenti ehlaselwe ekunqanyulweni wokusebenza yebhange lokuzithola ngenxa yiziphi izizathu zokuphila. Isikhwama ngomqondo egcwele izinhlobo Iminikelo yezimali eyenziwa ngokuzithandela esenziwe iqhaza amabhange idiphozi uhlelo umshwalense, futhi kusukela inzuzo ngentengo yamasheya investvlozheny izimali siqu.

Izindlela eziyinhloko ubuyise isitokwe

1. Isimo ezikhanyisayo Isikhwama ethile Central Bank of Russia. Okwamanje, leli nani ilingana ruble 7.9 bhiliyoni.

2. amabhange abambe iqhaza kwalesi simiso saziso umshwalense idiphozi.

3. Income kusukela investvlozheny isitokwe izimali izibambiso yezinhlangano ngobukhulu e imali we Bank of Russia. Investments abazenzi kuphela kuhambisana nezidingo umthetho kahulumeni ku izinhlangano ezingenzi nzuzo izinhlobo zemisebenzi.

Isici esiyinhloko bohlu esivuna uzibuse kusuka noma yiziphi ezinye izinhlaka zikahulumeni kanye namabhange. Lokhu kuqinisekisa ukuthi amanxusa akhe ayikwazi ukusetshenziswa ngoba eminye imisebenzi ngaphandle deposit yokukhokha umshwalense. Isici esibalulekile oluhlukanisa lesi sakhiwo ukuthi abasebenzeli bayo azisebenzi izinhlawulo wokubhekelela izikhungo zezimali libhaliswe uhlu amabhange kufakwe ohlelweni umshwalense idiphozi nokuqhuba izifundo iminikelo.

Izici currency angaphandle ezifakwa

Imali emabhange baseRussia nganoma yiluphi uhlobo lwemali angaphandle kwakudingeka alandele inqubo yomshuwalense. Nokho, qaphela ukuthi uma kwenzeka isenzakalo kwesamba ngeke angabuyiselwa ku version ruble. Ngakho, zokubala kabusha wenziwa ngokuvumelana CB phezu exchange rate, okuyinto ziye zangena ngesikhathi lapho isimo Kuvezwe umshwalense. Inani umshwalense lokumiswa futhi amaphesenti ayikhulu ubukhulu ingqikithi idiphozi, kodwa esingeqile ruble ayizigidi ezingu 1.4. Zenzalo ka izimali zakwamanye amazwe ezifakwa nazo kucatshangelwe ukubuya. I-oda ukubuya ku zakwamanye ezifakwa iyafana ruble imali.