Mapangano Moyo Insurance Sindizakubweretsanso Anthu Bata

The Russian inshuwalansi moyo msika ati kupuma moyo, nthawi imeneyi kuwatsitsimula wake Sberbank akufuna kuchita. State Bank kanthu kukopa thandizo yotakata kwa akuluakulu malamulo. Kale kasupe, boma kuganizira kanthu za bungwe la Federal kwa Msika Financial, pali komanso nkhawa kwambiri kuti kudzipereka chokhala inshuwalansi ndalama, amene kwenikweni ndi inshuwalansi moyo, olumpha mlingo wa kufufuma. kukhazikitsa thumba lapadera kwa malipiro a Mapangano inshuwalansi moyo. Mwina, adzakhululukidwa popangidwa ndi zopereka za onse otenga mbali msika. Cholinga - kulera yonena za akadali osatchuka mu dziko, ndondomeko kumatanthauza ndalama.

Zovuta. Kufikira tsopano, makampani nawo mu Russian msika inshuwalansi moyo, sanathe popitilira bwino kwambiri mawu a kaikidwe ka ndalama makasitomala awo. Pa m'ndandanda wa mabukuwa, amene anafotokozedwa ndi malamulo ichi ndi yopapatiza ndithu, ndi Choyenereza a Mabwana ndi osauka.

Sberbank, azungu akukonzekera kukhazikitsa njira ndi mwamakani kugwila msika. Zolinga zimenezi, wagula inshuwalansi kampani, ndi omvera ndi chidwi chimphona akufuna mankhwala watsopano ayenera kukhala ndi ndalama rubles 60 zikwi mu zigawo ndi 100 zikwi likulu.

Kugula wothandizira mu inshuwalansi msika lonse la msika, ngakhale mu chinachake chophiphiritsa - Sberbank Munapezatu Russian "Mwana" wa Allianz German atagwira kampani "Moyo Alliance." Ku Ulaya, yaikulu inshuwalansi kampani kumsika ndi achikalekale ndithu, si oposa 1% ya inshuwalansi okwana mu Russia, pamene mu West, gawo ili angafikire 60-70% inshuwalansi .biznes moyo m'dziko lathu osati Yesuyo ananenera, ndipo monga kale Anzanga ambiri ake, anasiya Russia. The mavuto waukulu mu msika ndi awiri, ndi awiri zokhudza nkhani kukhulupirirana. Choyamba, mu dziko lathu sakhulupirira ndalama anatengedwa kwa nthawi yaitali. Lachiwiri, msika dziko inshuwalansi, makamaka moyo, anasonyeza kusadalirika ake pa mavuto azachuma otsiriza popanda boma thandizo kuti zafa ngakhale chotero "chilombo", monga AIG.

Palinso nkhawa kwambiri kuti mlingo chokhala ndi kubwerera inshuwalansi ndalama, amene kwenikweni ndi inshuwalansi moyo, upambana mlingo wa kufufuma.

ndalama Investment anasonkhana pansi mapangano izi umachitika pa malamulo ofanana monga kasamalidwe Mwachitsanzo, ndalama penshioni. Nthawiyi, Ngopambana patokha mbali zolipirira wa penshioni ndi kulandiridwa mu 2011, zotsatira zake zimakhala zoipa kwambiri kuposa boma la VEB, ndi kuti analephera kuti akakokoloredwe mlingo wa depreciation ndalama. Ie kupatsa anthu inshuwalansi ndalama kwenikweni palibe.

M'mawu ena, pamaso pa anthu banal madipoziti banki adzapitiriza kuyang'ana kwambiri poyerekeza kuposa makampani kotunga kasamalidwe. Amachita mu nthawi yochepa ndi kupereka dziko lathu apamwamba kapena wolimba akadzabweranso.

Pakadali pano, ndi njira ndalama za Bank ndalama za inshuwalansi msika bwinobwino, koma kale pali mfundo zimene bungwe ngongole ndi kukonza njira malamulo, amene ayenera kumuthandiza (ndi makampani ena onse, kwambiri) ndi yopindulitsa kwambiri kuika ndalama za nzika anagula ndondomeko. Palibe kukaika kuti ngati "sitima" posachedwapa munzere ndi ziwalo zina za moyo inshuwalansi msika, pokhapokha, ndithudi, Sberbank adzatha "falitsani" utumiki. Padakali pano, msika mu siteji embryonic kwambiri, si oposa 1% ya inshuwalansi okwana mu Russia, pamene mu West, gawo ili angafikire 60-70%.

chimphona Financial, kuwonjezera pa mavuto mwangwiro zamakono ayenera kuthetsedwa, ndipo mwangwiro maganizo vuto - mu inshuwalansi Russian amaona anthu monga zoipa kutero. Ndi chifukwa tikhoza kuganiza kuti ndalama zambiri adzabweranso posachedwapa, tsono, inshuwalansi kampani ya Bank ndalama adzakhala ntchito ndi chakudya chokwanira kulenga moyenera komanso zothandiza ndalama mbiri.

Chifukwa MoneyVector zipata limalangiza ogula kutali kwa mankhwala atsopano, dikirani osachepera chaka chimodzi kapena ziwiri kuona zimene zokolola adzakhala kupezera Ngopambana wa Bank ndalama. Ndipo ngati likukhalira pa msinkhu wa mitengo gawo, kapena ngakhale pansipa, kudikira kukula kwa luso la ntchito antchito a kampani ya inshuwalansi, yomwe zikugwira ndalama.

Komanso musaiwale kuti inshuwalansi ndalama inu palibe m'modzi vyendi, ndiye phindu sangakhale - izi zimachitika kaŵirikaŵiri dziko chuma. General kungakhale kutaya ichi, nayenso, si m'thupi. M'mawu ena, m'pofunika kuganizira maulendo khumi inu kupereka mapemphero a Sberbank Ngopambana.