Izivumelwano Life Insurance abusayi Abantu Stability

Imarike inshorensi yobomi Russian uza liwuphefumlele kwakhona, eli xesha ngokumphefumlela wakhe Sberbank uceba ukwenza. inyathelo State Bank iya kutsala inkxaso ebanzi kuba abasemagunyeni umthetho. Kakade eli komnyaka, urhulumente ingqalelo eli phulo le-Federal Service for Financial Markets, kukho kwakhona izinto ezibalulekileyo zinongezele inshorensi utyalo-mali oluqhelekileyo, lowo enyanisweni i-inshorensi yobomi, zidlule izinga lokwenyuka kwamaxabiso. kuseka ingxowa esikhethekileyo intlawulo yezivumelwano inshorensi yobomi. Mhlawumbi, uya lisekwa iminikelo yabo bonke abathathi-nxaxheba emarikeni. Injongo - ekuphakamiseni ukuthembakala nangoku abangafunwayo lizwe, inkqubo ithetha imali.

Hayi umsebenzi olula. De kube ngoku, iinkampani inxaxheba Russian kwimarike inshorensi yobomi, angabi nako ndoqhayisa nayiphi na impumelelo ebalaseleyo ngokwemo ukubeka iimali zabaxhasi zabo. Le izixhobo, ekhutshwayo kuchaziwe kumthetho oku kakhulu ezo zivaliweyo, zesiqinisekiso abaphathi ulihlwempu.

Sberbank, elingumthombo, ilungiselela ukuphumeza qhinga ndlongondlongo ukufaka emarikeni. Ukuze ezi njongo, oko othenge kwinkampani ye-inshorensi, kunye abaphulaphuli, nto leyo unomdla giant ufuna imveliso yawo omtsha kufuneka ingeniso-60 amawaka engange kule mimandla 100 lamawaka kwikomkhulu.

Ukuthenga arhente kwimarike ye-inshorensi ukuba yonke yemarike, nditsho into lokomfuziselo - Sberbank wafumana "intombi" Russian ka Allianz German Inkampani ephethe "Ubomi Alliance." EYurophu, inkampani yeinshorensi inkulu kwimalike kakhulu oludala, oko akukho ngaphezu kwe-1% ye-inshorensi iyonke eRashiya, lo gama i-West, le isabelo unako ukufikelela 60-70% inshorensi .biznes ubomi kwilizwe lethu ngokucacileyo elikhankanyiweyo, yaye, njengoko sele abaninzi oogxa bakhe, washiya eRashiya. Eyona ngxaki iphambili kweli yeemalike amabini, kwaye bobabini ezinxulumene umba trust. Okokuqala, kwilizwe lethu musa ukukuthemba imali ixesha elide. Okwesibini, imarike ihlabathi i-inshorensi, ingakumbi ubomi, wabonisa unreliability yayo ngexesha lokudodobala mali odlulileyo ngaphandle kwenkxaso yayiza ziwile nkqu "isilo" ezifana, njengoko AIG.

Kukho izinto ezixhalabisayo ezibalulekileyo ukuba izinga eqhubekekayo ukubuya inshorensi utyalo-mali, kuye enyanisweni i-inshorensi yobomi, ngaphaya izinga lokwenyuka kwamaxabiso.

imali Investment eziqokelelwe phantsi kwezi zivumelwano obanjelwe imithetho efanayo njengoko abaphathi, umzekelo, imali yomhlala phantsi. Ngelo xesha, iimanejala angasese inxalenye inkxaso ye pension efunyenweyo ngo-2011, isiphumo siba sibi kakhulu nemeko Veb, nokuba nayo ayizange yogqithe izinga lokuhla bemali. Oko ke kubeke imali-inshorensi abantu okunene namnye.

Ngamanye amazwi, emehlweni abantu needipozithi zebhanki banal ziya kuqhubeka ukujonga kakhulu uyakukhetha ngaphezu iinkampani zolawulo unikezelo. Zenziwe ixesha elifutshane ngexesha ukunika ilizwe lethu libe phezulu okanye uzinze ubuncinane imbuyekezo.

Ukuza kuthi ga ngoku, esi sicwangciso wotyalo-mali i-Savings Bank of imarike insurance alicacanga, kodwa sele kukho ulwazi iziko lamatyala lunghiselela amanye amanyathelo owiso, ekufuneka kumnceda (kunye nazo zonke ezinye iinkampani, too) kukulungele kanye ukuba babeke imali ngabemi ubazuzileyo nkqubo. Akukho mathandabuzo ukuba i "kaloliwe" ezinjalo kungekudala kukulayinisha phezulu kunye namanye amalungu inshorensi kwimarike yobomi, ngaphandle kokuba, kakade, Sberbank uya kukwazi 'ukuqalisa "inkonzo. Okwangoku, emarikeni kwisigaba osandul kakhulu, oko akukho ngaphezu kwe-1% ye-inshorensi iyonke eRashiya, lo gama i-West, le isabelo unako ukufikelela 60-70%.

isigebenga Financial, ukongeza iingxaki kuphela zeteknoloji kufuneka ukuqwalaselwa, ndikunyibilikise ngokufezekileyo ingxaki ngokwasengqondweni - kwi-inshorensi Russian ziqondeka njengabantu ububi kuyimfuneko. Kungenxa yesi sizathu siya kuthathwa ngokuthi imali enkulu uya kubuya kungekudala kakhulu, ngoko, inkampani ye-inshorensi ye-Savings Bank iya kusebenza kunye nezixa ezaneleyo ukudala elungeleleneyo nolusebenzayo ipotifoliyo yotyalo-mali.

Ngenxa MoneyVector portal icebisa abathengi ukukhangela kude ukuze imveliso entsha, linda ubuncinane ngonyaka okanye emibini ukubona isivuno baya kuba nako ukunika kubaphathi Savings Bank yintoni. Ukuba kuvela kwinqanaba irhafu imali, okanye ngezantsi, linda ukuba ukukhula kwezakhono zobungcali kwabasebenzi iinkampani ze-inshorensi, leyo bekwi mali.

Kwakhona musa ukulibala ukuba inshorensi mali kwakho akukho bani unako sithembiso, oko kukuthi, iingeniso isenokungabi - oku kudla ngokwenzeka ehlabathini zezimali. Ngokubanzi kunokuba ilahleko lo, kakhulu, hayi ugonyiwe. Ngamanye amazwi, kuyimfuneko ukuba ucinge izihlandlo ezilishumi phambi uyanikezela isicelo sobabalo abaphathi Sberbank.