Bancassurance: lingaliro, chimango malamulo, maganizo ndi malingaliro. Bancassurance ku Russia

A dongosolo banki khola - maziko a chitetezo chonse cha boma. Mmodzi wa levers kuti kulola kusunga mtundu wa bata, ndi kumayambiriro mokakamizidwa inshuwalansi banki. dongosolo Zimenezi zimatanthauza ntchito mbali ziwiri: inshuwalansi ambiri ndi kuopsa banki mwachindunji.

Bancassurance ku Russia

Mu lingaliro ambiri amaona inshuwalansi ndi mwadzidzidzi nyumba, amene mabanki, chuma, mabanki, zida galimoto, wokwatibwa ndi mabungwe azachuma, udindo wachibadwidwe wa eni chuma mu chochitika cha imfa ya lachitatu maphwando. Mitundu imeneyi mulinso inshuwalansi chikhalidwe antchito (thanzi, penshioni, ngozi, etc.).

Lingaliro la bancassurance ndithu kwambiri. Ngati tikambirana pano ndi kuteteza banki katundu, makompyuta, zipangizo zamagetsi. Iwo anazindikira ndi chinyengo kompyuta. Akatswiri pazikhalanso komanso mavuto kugwirizana ndi ntchito makadi pulasitiki ndi ngongole, kuphatikizapo inshuwalansi okha katundu banki ndi mapulogalamu.

Choncho, bancassurance mfundo zikuphatikizapo lonse osiyanasiyana mitundu ya inshuwalansi mu dera la mogwirizana kwa banki ndi inshuwalansi mabungwe.

Zifukwa mgwirizano a mabanki ndi kampani ya inshuwalansi

Kufunika kuchita kampani ya inshuwalansi mu gawo la banki chifukwa zifukwa zingapo:

• n'zotheka kuchepetsa mabanki 'malo ndalama kuopsa;
• kuthekera kupanga cholinga mitengo malamulo a mabanki;
• kuchepetsa mlingo wa mabungwe azachuma, ndalama kugwirizana ndi kukhazikitsa ulamuliro mkati;
• kuchepetsa chiopsezo reputational za mabanki okha.

NAWO wa kampani ya inshuwalansi mu gawo la banki ali mfundo malinga makampani inshuwalansi mtengo wa ntchito si upambana ubwino chuma cha ntchito yawo. Komanso makampani oipa kungabweretse mavuto ena kwa gombe.

Russian malamulo ndi banki dongosolo inshuwalansi

yodalirika bancassurance mu Russia anaikidwa ndi kukhazikitsidwa kwa Civil Code la Chitaganya cha Russia. Chidutswa chachikulu cha malamulo malamulo inshuwalansi ndi bancassurance makamaka latsopano la Russia ndi Civil Code. Chidutswa chachiwiri malamulo m'dera lamulo 1992 "Pa inshuwalansi" imene imalongosola zosiyana, kuika patsogolo zofuna za ophunzira wotuluka, ndipamene munda malamulo a chitetezo ndi kuyang'aniridwa.

Kodi malamulo ofunika malamulo Gona ndi thanzi labwino ndipo penshioni inshuwalansi. A malo apadera zino kutenga malamulo a 2003 ndi 2004 malamulo nkhani mwangwiro banki inshuwalansi: inshuwalansi ya madipoziti anthu 'ndi Bank of Russia malipiro kwa anthu amene zopereka anali Mabanki.

Choncho, tingathe kunena kuti yodalirika inshuwalansi banki latsopano la Russia zochokera wololera ndondomeko zolimbana ndi AIDS lolamulira banja mlandu wa inshuwaransi ndi insurer. Choncho likukhalira kumanga asapita kutukuka mgwirizano wa mabungwe a zachuma komanso kampani ya inshuwalansi mu Russia.

Features wa bancassurance ku Russia

Mu Russia, zikamera wa gawo la banki zinachitika mu 90s Mu zaka zapitazo, zimene zinachititsa kuti zikamera wa ena mbali mu mgwirizano a mabanki ndi kampani ya inshuwalansi. Zimayambitsa mgwirizano uno anali kufunika ntchito ndi ngongole vuto wosindikiza mabungwe a zachuma. Nthawi imeneyi, magombe ayamba kutsimikiza okha ngongole kusuntha udindo kubwerera pa ngongole vuto, amene gawo mu okwana mbiri ngongole anakwana za makumi asanu peresenti pa kampani ya inshuwalansi.

bancassurance makamaka Russia Musasinthe chakudya chofunika kwambiri kuteteza malo kopindulitsa kwambiri za ntchito banki - kukongoza. kuopsa lero banki mu inshuwalansi Russian kugwirizana ndi kubweza kukongoza, chifukwa chofuna mabanki monga opindula ndi. Ndithudi, choncho, ngati kasitomala sizikugwirizana ndi udindo wake ngongole, kosamalira ndalama amalandira ndalama zonsezo ngongole ya. Imeneyi imagwiranso pa nthawi imene wobwereka ndi inshuwalansi moyo ndi imfa yake, ndi UK nthawi yomweyo kulipira ngongole ku banki. Komanso, bungwe ndalama amalandira ntchito pa chiwerengero cha akaidi ndi inshuwalansi kampani wabizinesiyo makasitomala banki a.

Munthuyo ndi zofunika kwambiri gawo inshuwalansi. Pajatu aliyense Investor amafuna kuti akhale wotsimikiza kuti ndalama lake adzakhala refunded. ziyembekezo bancassurance chitukuko ayenera kukula kwa ndege monga wotuluka gawo. Mbali imeneyi ya zachuma kumakhudza mwachindunji pa kukhazikika chikhalidwe. Njira iyi kungakupatseni kubwerera pa ndalama kaya mphamvu majeure amalimbikitsa okhudzidwa kwambiri ndalama pagulu chuma yomwe imapereka chitukuko zina.

Kwa Russia, mtundu wa inshuwalansi njira asonyeza a banki, kachitidwe inshuwalansi ndi chuma wonse. Creation wa Fund Gawo Odalirika a anthu zachilengedwe ndi kugwira ntchito yake - sitepe chachikulu cha kubwezeretsa chidaliro cha anthu.

chiopsezo inshuwalansi depositor ngati bankirapuse wa bungwe ndalama - utumiki umene uli wotchuka mu Europe. Akutukuka dera lino mu Russia. Ndipotu chiopsezo si mabanki yekha kuti akamupatsa ndalama zawo makasitomala, komanso anthu amene aganyali ndalama ku bungwe ndalama. pankhaniyi Insurance ali makhalidwe yake. banki angateteze wotuluka zonena ndalama kukachitika kuti zifukwa zingapo kubweza ndalamazo pa gawo sadzapambana. Ogwiritsa, nayenso, sangathe nkhawa zimene ndalama adzataika.

Circle makasitomala banki adzakhala bwino ngati kosamalira ndalama adzakhala kutsimikiza akaidi a Mapangano gawo ngati insolvency. Mwatsoka, chibwenzi, si onse mabanki ndinu mamembala a Fund ndi gawo inshuwalansi ya anthu achilengedwe. Komanso, osati makasitomala onse amadziwa chakuti bungwe woterewu. Financial kulemba ndi kuwerenga - vuto lalikulu kwambiri kwa anthu ambiri amene ntchito ndi mabanki.

Imodzi mwa madera mofulumira kwambiri osauka ndi makadi inshuwalansi issuers. Kuopsa chachikulu m'dera limeneli ndi chinyengo, achinyengo oyamba kusintha, imfa, kuba.

No zochepa kufunika bancassurance ndi otchedwa milandu computer, monga chitetezo makompyuta, deta pakompyuta ndi otungira awo. Bank inshuwalansi imvera kufunika kuti mabungwe a zachuma kutenga yosungirako: ndalama, sheya, miyala yamtengo wapatali, zitsulo, ndi chuma china luso.

Komanso ambiri akatswiri udindo pa inshuwalansi ya ogwira ntchito ku banki, amene amalola makasitomala azilipira ndi zomvetsa anavutika chifukwa cha zochita za makamaka chuma bungwe ndalama. The Mapangano ambiri ali kutha kulemekeza olandira ndalama ndi olosera zam'tsogolo. Mwambo inshuwaransi ungayende anthu, omwe amasonyeza kuwonongeka kwa kasitomala chifukwa cha kopanda zolakwa masamu mu mawerengedwe a mlingo kuwombola, malipiro chidwi, chindapusa banki, katundu, etc.

Mitundu ya bancassurance ndi osiyanasiyana ndi kudalira voliyumu ya ntchito ndalama bungwe. Mwamphamvu akatswiri inshuwalansi naye, ali mu ngongole zazikulu kukhulupirirana.

Kodi Osunga Ndalama bulangeti Mgwirizano?

Dziko la anayambitsa oyamba a banki inshuwalansi a kuopsa ndi chitukuko mfundo zake zazikulu ndi United States of America. Woyamba inshuwalansi kwa kuopsa banki wa dziko uko mu lakutali 1911. World mchitidwe bancassurance chinathandiza zikamera wa banki zovuta mavuto inshuwalansi.

Bancassurance kunja ikuchitika mwa dongosolo la inshuwalansi mwatsatanetsatane za kuopsa banki otchedwa Osunga Ndalama bulangeti Mgwirizano. Kodi anatanthauza kuti? inshuwalansi Mabuku a kuopsa banki zafotokozedwa chimatigwirizanitsa mitundu pamwamba a banki inshuwalansi mu mfundo imodzi. M'mayiko ambiri olemera komanso kutsatira malamulo a, guarantors ophatikizidwa wa Association American kwa United States mabanki. Ndipotu A amene anapereka kuyamba kukula inshuwalansi mabuku, ndi inshuwalansi lalembedwa mu dongosolo Integrated chitetezo cha America kwa Ine World nkhondo, anaonetsetsa likulu gombe kuchokera zomvetsa. Chibwenzi okha United States chaka ikuchitika chilolezo cha osachepera zikwi ziwiri inshuwalansi mabuku inshuwalansi mabanki.

Osunga ndalama bulangeti Mgwirizano ndi ulemu kwa Russia

Ngakhale kuzindikira mayiko wa banki zovuta mavuto inshuwalansi BBB mu Russia, mwatsoka, ndi kutali mokwanira ndipo mungathe kwambiri chitukuko. Mokomera mtundu wa inshuwalansi chakuti kugwiritsa ntchito dongosolo sangalole nchito banki la Chitaganya cha Russia kutsatira mfundo za mayiko. Zimenezi, kukopa ndalama zambiri zochokera kunja.

Komabe, pali bancassurance mu Russia kuti sikuli kwa phukusi BBB. Ndi chitetezo cha chuma, wosakhwima ndi contractual udindo. kuti Ichi ndi chifukwa kufunika kuthana mwatsatanetsatane nkhani zambiri ndiponso kuona kuti ulamuliro nchito ya mavuto.

Komanso, inshuwalansi kukhulupirika banki antchito, mwachitsanzo kutetezeredwa mabungwe ndalama zomvetsa kuti mwadala kapena mwangozi zingachititse Katswiri ake. Ngakhale kufunika kwa mankhwala inshuwalansi, zana pa zana onse a chinthu anthu sangakhale zolemba. Register zikalata zothekera zonse za phukusi la anthu bungwe la banki ndi kovuta. Mtundu wa inshuwalansi amafuna bungwe banki pochitika kafukufuku, amene liyang'anire makamaka kuthekera anakhumudwitsa zomvetsa kwa iwo.

Mmodzi mwa zigawo zikuluzikulu za inshuwalansi mabuku ndi katundu inshuwalansi BBB mabanki: mkati, katundu makina, zojambulajambula, ndalama, sheya.

BBB amatipatsanso zitasoŵa anapalamula Bank mu kukhazikitsa ntchito pa zikalata wopeka. ntchito amenewa anawagawa mitundu iwiri: chinyengo ndi macheke ndi zikalata ofanana; sheya chinyengo (ntchito ndi banknotes linapanga).

Amafuna chitetezo kampani mu chimango cha BBB

Potengera pamwambapa, ayenera kumvetsa kuti BBB ndi mfundo kuphatikiza inshuwalansi ndi chuma, milandu ndi katundu mavuto a mabanki. Choncho lamulo la Chitaganya cha Russia nthawi munda umene mtundu wa inshuwalansi amaika zina zofunika pa ngongole bungwe chiphatso kuchita ntchito kubanki. inu muyenera:

• mu mgwirizano inshuwalansi mwachindunji nthambi zonse okutidwa ndi inshuwalansi izi;
• kukumbukira kuti mgwirizanowo sati anawonjezera kuti mabungwe banki kuti pang'ono m'manja mwa inshuwaransi;
• polingalira za ufulu wokatenga kwa chochitika inshuwaransi ya policyholder ali mwapadera.

Nayenso insurer ayenera chiphatso inshuwalansi katundu wa mabungwe alamulo ndi anthu, komanso mavuto azachuma ndi malonda.

Zochita za kuopsa banki pokonza ndi inshuwalansi BBB

Nawo zikuluzikulu ndi zina mavuto. Kuopsa waukulu kale monga kuba, kuwonongeka kwa chuma ndi mkati mwa gombe chifukwa cha vandalism kapena kuwonongeka mwadala ndi lachitatu maphwando. Kwa inunso aku kuwonongeka pa zoyendera.

Taganizirani mavuto zina kugwirizana ndi chizindikiritso cha zikalata onyenga ndi gulu lina insurer. Kupatula kupereka chipukuta misozi Integrated inshuwalansi ndondomeko mpaka nkhani kugwirizana ndi kuwononga zida computer, mapulogalamu a pakompyuta, deta kompyuta. Pa nkhani imeneyi, magombe Russian, mchitidwe kugula inshuwalansi zina, cholinga kuphimba zomvetsa inshuwaransi kwa milandu amagetsi. Zimenezi ndi wolungamitsidwa. mfundo chimakwirira pafupifupi onse kumawononga chifukwa cha zamagetsi ndi deta awo. Si ataphimbidwa ndi inshuwalansi udindo zomvetsa aliyense inshuwaransi moto, uchigawenga.

N'loonadi mgwirizanowo inshuwalansi pa BBB zimasiyanasiyana pafupifupi chaka chimodzi mpaka zaka zisanu.

mavuto banki chiopsezo inshuwalansi

Mogwirizana ndi mavuto azachuma lili zina za inshuwalansi banki zoweta. Mavuto angathe kuthetsedwa. Woyamba, pa zimene kusintha bwanji mavuto, mtengo wa inshuwalansi. Pankhani mavuto azachuma, mtengo wa ndikupeleka chawonjezeka kwambiri. Pa nthawi yomweyo kutsimikiza ndi makina ndi osasunthika chuma masiku ano angakhale ndi wotchipa kwambiri.

Anatinso mavutowo ndithu zimakhudzira pa kuchepa buku la msika, komanso zinamupatsa kuti wathanzi. Makampani a inshuwalansi si mfundo zokwanira kapena kusintha ndi nkhani kuti akhale ndondomeko munthu, amene ayenera kuganizira ena mokoma lililonse policyholder.

Kukula kwa bancassurance mu Russia n'zotheka kuphunzira ndi kuthetsa mavuto pamwamba.

Kusankha insurer kwa mabanki

bancassurance gulu kumafuna kusamala kusankha inshuwalansi mtundu umenewu.

I chachikulu posankha bwenzi odalirika mabanki ndi luso lawo kulipira khola, pamaso pa misewu yaikulu dera, mitengo Kufikika, kuthekera kupanga contractual mawu kusintha, zabwino zinachitikira vuto lililonse nkhondo kusamvana. Kampani mgwirizano wangwiro, nthawi anayesedwa. Only mu nkhani iyi dongosolo inshuwalansi banki udzakhazikitsidwa molondola.