Fund - ndi chiyani ichi? Fund penshioni, Fund Social, nyumba

Foundation - sanali phindu mtundu bungwe, anayambitsa omwe ali mbadwa wamba kapena anthu malamulo amene, pa maziko yaufulu zimathandiza kuti gulu la zopereka katundu. Okonza mabungwe zachikhalidwe ndiponso mabungwe, chikhalidwe ndi maphunziro ndi zina zolinga zothandiza kwa anthu.

anatsatira malamulo a ndalama ntchito

udindo malamulo a Fund ndi anatsimikiza osati mwa Civil Code, komanso lamulo mabungwe omwe si a phindu. Foundation - bungwe, limatchula za zomwe kuzichita ndi subordination yeniyeni lamulo. Ntchito za magulu ena a chuma umamumvera malamulo achindunji. Kugwirizana Public akulamulidwa mwa lamulo pa mabungwe onse. Ndalama osowa ntchito mu chimango cha ntchito zachifundo lamulo. Monga mbali ya umembala gulu ndiye ndondomeko ndi oyambitsa okha samenya nawo ntchito ya gulu ndipo alibe ulamuliro kutaya ndalama.

ndalama za boma

Lingaliro la thumba monga mabungwe osati sanali phindu amene tinakambirana pamwamba. Pali Russian ndalama, amene ali a gulu la boma. ndalama owonjezera bajeti unayamba kuonekera pamene pakhala kusintha kwa chuma cha Russia cha mma 1990. Iwo aganiza chilengedwe cha mabungwe yeniyeni kufunika kwa kuthetsa angapo mavuto zachilengedwe ndi zachuma. Mu m'tsogolo, anakonza kuti akonze dongosolo mosamala penshioni, zaumoyo ndi chikhalidwe chitetezo. Bajeti ya ndalama - khola gwero la ndalama ntchito ndalama zofunika za mlingo chikhalidwe cha anthu, ndi kuti labwino kwa nthawi yaitali kulosera. Magwero a mabungwe kubwezeretsa awatsata ananena, ndi kugwiritsa ntchito cholinga anakonzeratu.

Mitundu ya ndalama ndi malangizo a otaya ndalama

ndalama owonjezera bajeti mbali yofunika kwambiri mu dongosolo la ndalama centralized a dziko. Organization amasonkhana ndalama kunja kwa boma bajeti ndipo kumbali ikatha mabungwe a Russia. ndalama zonse ntchito kukwanilitsidwa kwa ufulu oyendetsera dziko nzika. The Fund Social ndi kupereka anthu ndi zaka, matenda, kulumala, kuthandiza pa imfa ya breadwinner ndi zinthu zina zambiri. bajeti ya lililonse gulu adzakhala kuvomereza msonkhano nduna ya mtundu wa malamulo. Ndalama mabungwe kupereka malipiro lamulo la msonkho logwirizana chikhalidwe. Kapangidwe ka boma kutali-bajeti ndalama za mtundu kumaphatikizapo:

• Fund penshioni Russian;
• Social Fund Insurance;
• feduro bungwe;
• Kupititsa gulu la inshuwalansi.

Ovuta bajeti

Bajeti ya ndalama - bungwe dziko kupangidwa kwa ndalama owonjezera bajeti, amene amalamulidwa ndi akuluakulu a dziko ndi ndondomeko imene yaloza yekha kukhazikitsa zofuna chikhalidwe monga zolinga wamba boma ndi malo. Bajeti ya Organization ndi ntchito zake chaka chonse aumbike mwa utsogoleli lomaliza. Ntchito tidzakwatulidwa anagonjera matupi boma la ulamuliro wamkulu ndi kutengedwa feduro malamulo mtundu. Ngati pali akusowa, kuwunikira ndi ovomerezedwa ndi magwero a liquidation ake. polojekiti ayenera kuperekedwa ndi magwero a ndalama ndi katundu magwero. Pamaso chiyanjo chake bajeti ayenera kudutsa unyolo wonse wa akuluakulu onse, ndipo kuphatikizapo khoti la Auditors.

Fund penshioni Russian

Yaikulu owonjezera bajeti thumba la dziko ndi penshioni. Iye atenge mbali ya lofunika kwambiri bungwe chikhalidwe cha dziko. mapangidwe yake kufunika kasamalidwe ka chuma cha makonzedwe penshioni ndi boma. Penshioni thumba kusiya zochimwazo kumathetsa imodzi mavuto awiri:

1. Linanena bungwe la ndalama penshioni ku dongosolo la ndalama la Consolidated.
2. Kutsiliza penshioni umayenda pa mlingo wa ndondomeko palokha.

Bajeti ndi chifukwa amachotsera ndalama kwa Fund ndi penshioni mu premiums inshuwalansi ndi malipiro ndi mtundu ntchito. Motero, boma bajeti katundu atachotsedwa mu mawonekedwe a wosamalira anapuma. Udindo anachita likuvutika malipiro inshuwalansi lapansi. Kusintha lotsiriza la penshioni kusasintha m'magulu atatu: Mfundo zikuluzikulu, inshuwalansi ndi accumulative.

Amapindula penshioni gulu

Fund penshioni amatitsimikizira malipiro a penshoni zofunika kwa anthu onse a zaka zopuma pantchito. malipiro apamwamba ndi akulimbana ndi anthu osakwana zaka zaka 80 ndipo ali ndi gulu 1 chilema. inshuwalansi gawo malipiro kukula zimatengera chokhazikika pa kutalika pensioner ndi kukula kwa malipiro ake. Payout aumbike mwa zopereka kwa thumba penshioni premiums mwezi uliwonse. malipiro Insurance limafanana ndi chiŵerengero cha notional likulu penshioni ndi chiwerengero cha miyezi ya nthawi alipire muchite. Ndipotu, ndalama si anasonkhana chifukwa cha munthu mmodzi, ndi ntchito ndalama kuti anapuma ena.

Fund Insurance Social

Woyamba thumba zotchinjiriza moyo mu Russia anaonekera mu 1992. Iye amatsatila malamulo. Monga Fund ndi penshioni, gulu amachita monga bungwe loziyimila palokha ndalama. katundu aliyense wa thumba - chuma feduro. ndalama sangakhoze kudzipatula ndipo sali mbali ya kuchita bajeti aliyense zimatiyika. mtundu zokhudza ndalama za inshuwalansi ndi kudzadza ndi amachotsera msonkho. Izi logwirizana msonkho chikhalidwe ndi msonkho pa ntchito dongosolo chosavuta msonkho kwa msonkho zodziwitsa ndalama msonkho ulimi. The malangizo waukulu otaya ndalama kuchokera kucheza - malipiro phindu kwa anthu amene ali ndi chilema zosakhalitsa. The pazipita kuchuluka kwa gawo ndi mosamalitsa okha mfundo normative.

nyumba

The thumba ali ndi mtundu yosiyaniranapo kuposa mabungwe amene anapereka pamwamba. Iye sakunena kudziunjikira chuma, koma Chili nyumba ndi nyumba zogonamo ya boma. Mfundo imeneyi akuti ndi tsinde la malamulo onse nyumba. The nyumba akhalire ankaona kuti wamphamvu boma chuma kusamala ndi kusungitsa chidwi zomwe lonse la anthu. Chiphunzitso zowombetsa mkota zikuphatikizapo substructures, kusiyanitsidwa monga muyezo zotsatirazi:

• umembala wa mbali zosiyanasiyana za umwini (payekha, oyang'anira tauni ndi boma);
• ntchito yeniyeni ya malo (ntchito zokhudza ndalama, malonda ndi munthu).

Ngati thumba penshioni, zikusungira mnzake yake pansi pa ulamuliro wa boma, lomwe amachititsa mlandu wake malinga ndi ndondomeko imene boma. Kachitidwe sakhala ndi nyumba kapena malo amene lolunjika pa nyumba pa nyengo kapena zosakhalitsa, kaya nthawi yake. Kapangidwe amangosankha anamanga sanali m'gulu thumba. Anthu zinthu zomwe si mbali ya kapangidwe, sangakhoze kukhala phunziro kwa malamulo a malamulo nyumba, ndi mpheto aliyense nawo zovuta kuchita, kuphatikizapo watsopano.