Ingaba yimalini isixa iidipozithi zeinshorensi kwimigangatho?

Phambi kokuba uvula idipozithi ebhankini, kufuneka uqinisekise ukuba umbutho iyinxalenye yenkqubo inshorensi idipozithi (WUDI). Uluvo oluphambili kule nkqubo - ukuphunyezwa kweentlawulo ezikhawulezayo kubaxhasi evela kumthombo ezimeleyo (fund) kwimeko ukurhoxiswa kwaloo layisenisi yakhe. Ngoko, phambi kokuqalisa iinkqubo yimali abagcinisa abuyele imali yabo. Amava amazwe ngamazwe abonisa ukuba nkqubo uphakamisa bar sokuba nentembelo ngayo abathengi inciphise neendleko ngokoyisa le ntlekele.

Iibhanki insured

ERashiya, le nkqubo ilawulwa ngumthetho kwegama elifanayo, kwaye ayifuni ukupheliswa kwesivumelwano olongezelelweyo. Agency - Kwisebe ezizodwa karhulumente yenziwa ngo-2004 Ukwenzela ukulawula inkqubo Idiposithi Insurance Agency (YOSUKU). Oku abakule lokusekwa yokubhaliswa abagcinisa, kunye nokukhutshwa imali. Banks, iidiphozithi insured ngurhulumente: Savings VTB (24), Gazprom, "alpha", "Bank of Moscow," "UniCredit" "Promsviaz" MDM "Raiffeisen" "Bin", "Citibank" njalo njalo. . Olu luhlu lukwaquka enye 840 amaziko ezinkulu nezincinane zemali.

Isixa zeinshorensi sedipozithi iibhanki ngo-2015 yi-1.4 miliyoni engange. Oku kuquka imali zendalo abantu (01.01.2014 kunyaka - SP), ibekwe ngohlobo iidipozithi ixesha lokufuna iidipozithi, iimephu (credit aft) kunye akhawunti. Kulo mzekelo, iziko kufuneka zibhaliswe kwi kummandla Russian Federation. Urhulumente akaboneleli:

- imali akhawunti metal engabhaliswanga;

- iidipozithi ukuba obizwa;

- asethi kudluliselwa kulawulo trust;

- iidipozithi e kwamanye amasebe beBhanki;

- utshintshiselwano lwenziwa ngaphandle kokuvula i-akhawunti.

Isixa iidipozithi zeinshorensi kwimigangatho: Concept

Imali kunye namaziko ngetyala baseRashiya olukhuselwe ngurhulumente. Ukusukela ekuqaleni kwe-Arhente Inshorensi Deposit kunye 31.12.2014 ubungakanani iidipozithi zeinshorensi kwimigangatho ifikelele kwi-700 lamawaka. Hlikihla. agent ngalinye. Ukususela kulo nyaka, elo nani kabini. Oku kuthetha ukuba xa umxumi a iidipozithi ezininzi kufunyanwa emasebeni ezahlukeneyo kwiziko elinye ityala, ngoko kuthathelwa ingqalelo inkxaso-mali iyonke imali ngomdla. Kwimeko ukurhoxiswa kwelayisenisi ngaseludinini iya kuxhomekeka imbuyiselo kuphela iminikelo kwi-mali esizigidi 1.4 engange. Imali leyo ngaphezu eli nani akayi ingahlawulwa. Ukuhlawulwa kwezixa-inshorensi ababandakanyekayo YOSUKU.

Banks, iidiphozithi insured ngurhulumente, ipesenti ethile imali ebolekiweyo batshintshelwa waba ngummeli wowona ulungileyo. Ezi ezingenayo, kwakunye mali ezifunyenwe Central Bank, zisetyenziselwa iintlawulo abagcinisa kwityala xa ukurhoxiswa kwaloo layisenisi yakhe.

ingozi

Kuwa phantsi ubonelelo iidiphozithi ephakanyiswe na lwemali. Kodwa zithathwa iidipozithi ekhuselekileyo ngaphezulu engange. Kwimeko apho kukho ukwehla imali yesizwe, iidipozithi akwiidola, euro neekhilogram ziqala ukukhula. YOSUKU ubhatala iminikelo e engange, i-Bank of Russia ngeranti ngomhla ukurhoxiswa kwelayisenisi yentlangano ngetyala. Kukho iingozi ezimbini. Okokuqala, kunye ukwehla elinqatyisiweyo iindleko engange idipozithi inokuba ngaphezu urhulumente aqinisekisiwe. Ke wemali yonke imali yabo akayi kwamkela. Okwesibini, ukulahlekelwa ukuze kwakheke ngenxa umsantsa omkhulu phakathi kwamazinga ezisemthethweni kunye nemarike exchange.

i algorithm

Inye uya kungena ukusebenza emva kokuba ukurhoxiswa kwelayisenisi ye ebhankini. Emva koko abatyali angafaka isicelo YOSUKU kunye nemfuneko ukubuyisela idipozithi. Kulo mzekelo, kufuneka unikeze:

• isicelo;
• uxwebhu esiqinisekisa ilungelo ibango iindlalifa, okanye amandla ligqwetha.

YOSUKU makanike umxhasi sisicatshulwa esithathwe kwirejista kunye noluhlu noxanduva yebhanki phambi kwakhe. Imali iya kuhlawulwa zingadlulanga iintsuku ezi-3 zomsebenzi, ngokuxhomekeka ekubeni sele ngaphezulu kweeveki ezimbini ukusukela kumhla ukurhoxiswa kwaloo layisenisi yakhe. Ukuba Iwembuyekezo akaneliseki negalelo yangaphambili, unako ukubhala isicelo YOSUKU. Kuba iphepha kufuneka wenze uluhlu amaxwebhu ukuqinisekisa ilungelo lokufumana iinzuzo ezininzi.

Reform of inye

Kwiinyanga zokuqala-9 ka-2014 ukuhlola Central Bank Musa lugqithiselwa amaziko 40 ngetyala, kuquka ibhanki "Trust". Iidipozithi insured ngurhulumente kule mibutho ukuba isimbuku engange 212 billion. Isixa mali YOSUKU yonyaka yawa 237 ezigidi engange ukuba engange 154 ezigidi. Uninzi wema ngaphandle Mosoblbank, ukuphilisa leyo atshiphu, kunokuba ukubuyisela imiphumo yimali. Ukwehla emfono-avareji ye-1% in iibhanki ezincinci kunye naphakathi waqalisa ukuxhalatyiswa nabalawuli.

State amaziko abolekisa beshumayela indawo ephambili ukalisho yi-asethi phantsi kolawulo. Ezinkulu iibhanki ngokucwangcisekileyo ezibalulekileyo kunyanzeliswa ukuba mawuhlawule-inshorensi yesibambiso in ziinkathazo. Kukho iindlela ezimbalwa kule meko.

Kuqala. Banks, iidiphozithi insured karhulumente, ngenyanga uhlawule 0.1% yesixa ebolekiweyo mali. Umbuzo umahluko le irhafu. Kodwa oku kuya kufuna utshintsho kumthetho, amsondeze eninzi imbambano.

Yesibini. Okwangoku, urhulumente uqinisekise isixa iidipozithi zeinshorensi kwimigangatho-mali ka-1.4 yezigidi. Kukho isindululo lokuthintela kuphela umthamo kodwa ke iintlawulo-mali inombolo enye iidiphozithi kuvulwa kuzo zonke iibhanki kwisimo.

Okwesithathu. Rhoxisa umdla inshorensi iidipozithi. Iskim esebenza ngo 2006-2007. Oku kuya kunceda abanini yesibambiso yamanye amazwe.