Gawo inshuwalansi. Chilamulo pa Insurance wa madipoziti

Gawo inshuwalansi latsopano la Russia ndi njira yapadera pofuna kuteteza ndalama nzika. The lingaliro lalikulu la dongosolo - ndi kuonetsetsa malipiro mwamsanga ku gwero ndalama palokha (mwachitsanzo, thumba lapadera) pa kuchotsa ntchito ya gulu limene panali ndalama. Tiyeni tione mwatsatanetsatane mmene inshuwalansi kuvomerezedwa zopereka.

ubwino dongosolo

Monga zinachitikira mayiko ambiri a zachuma otukuka, gawo inshuwalansi ku mabanki ali ngati chida champhamvu kwa kuthetsa mavuto zovuta zazikulu chuma ndi chikhalidwe. Choyamba, kachitidwe ka ndalama zimatsimikizira kuteteza chipwirikiti pakati pa nzika. Zimenezi, zipangitsa ntchito khola la dongosolo kubanki. Pa CERs yomweyo kumathandiza kuchepetsa ndalama chikhalidwe kuthetsa mmene vutoli. Gawo inshuwalansi ya anthu zachilengedwe, mwa zina, kumaonjezera chidaliro cha anthu mu mabungwe a zachuma ndi ngongole. Izi amalenga prerequisites zikuchuluka yaitali mu madipoziti payekha. Lero, boma gawo inshuwalansi alipo m'mayiko 104 padziko lonse.

Insurance madipoziti wa anthu thupi mu Russia

Iwo ikuchitika malinga ndi Chilamulo ziwalo. Lamulo "Pa inshuwalansi ya madipoziti" anavomerezedwa mu 2003, patsamba 23 December. madalitso ake chimatanthauza kanthu za CERs, ndondomeko kupereka ukutitsimikizira. Makamaka, malinga ndi lamulo la feduro, kuteteza ndalama nzika, anaika pa nkhani zofunika m'kaundula pa malire a mabanki Russian. Gawo inshuwalansi zimagwilanso nchito kwa ndalama zomwe ali pa makadi (kupatulapo ngongole), monganso iwowo kutumikira nkhani monga ochiritsira. Chitetezo cha ndalama anapanga ukoma wa mtemo * adati. Izi zikutanthauza kuti palibe kufunikira kunena pangano pa zodzitetezera. Pa gawo la Russia ukugwira okayikitsa - Gawo Insurance Agency. bungwe ili unakhazikitsidwa mu 2004, mu January. Gawo Agency Insurance amapereka woyang'anira ndi kulamulira dongosolo. Nawo Russian mu CER ndi mbali yofunika ya ntchito za mabungwe chinkhoswe mu kukopa ndi kusunga ndalama nzika. Pakali pano, dongosolo inshuwalansi zambiri kuposa 800 mabanki.

Mtengo wa malipilo

wa madipoziti munthu mu bungwe, mu ulemu wa kumene kunachitika chochitika inshuwalansi ikuchitika 100% kuchuluka kuchuluka kwa chuma kusungidwa, koma osati oposa mamiliyoni 1.4 rubles. Ndalama mu nkhani mu ndalama zakunja anamasuliridwa ntchito mlingo kuwombola pa nthawi ya ngozi. mtengo pazipita malipilo - 1.4 mln - masamu pa madipoziti kusungidwa mu nkhani banki wina pa osiyana (kapena ofanana). Ndalama zimene zili mu mabungwe osiyana ndalama, Amawapatsa paokha Chrixitu.

Chofunikanso

Mukamaliza kulipira inshuwalansi malipilo, ufulu wofuna kudziwa depositor ndi kuchuluka Zoposa mtengo wa ukutitsimikizira ndi kukhuta panthawi ya bankirapuse Kuthi wa ima pamzere woyamba wa angongole. The ufulu wokatenga malipiro a ndalama kuti zipite kwa anthu okayikitsa lapansi. Ngati Investor anapatsidwa ngongole kubanki, limene linali ndi nkhani inshuwalansi, malipilo yafupika ndi kuchuluka kwa potsimikizira-zonena za bungwe chuma ndi ngongole pa tsiku kuchotsa ntchito zake.

milandu ochimwilidwa

Act anakhazikitsa zinthu zotsatirazi zimene malipilo ndi depositors:

1. Kulipira (achire) chilolezo.
2. Moratorium Bank of Russia kuchita ankayendetsa zachuma.

malipiro Malipilo kuyamba mkati mwa masiku atatu ntchito pambuyo kugonjera zikalata kwa anthu okayikitsa, koma osati masabata kale kuposa awiri pambuyo pakutchulidwa aliyense mwa mavuto tatchulawa. gawo ndi refunded kwa Agency ofesi kapena (ngati chiwerengero ndi chiwerengero cha savers zing'onozing'ono), kapena mayunitsi chimodzi kapena zingapo udindo, kapena makalata. Pakuti aliyense zinthu anapereka njira yeniyeni opereka chipukuta misozi.

kuchotserapo

Insurance kosamugonjera:

1. Ndalama mu nkhani za notaries ndi achilamulo, ngati ali lotseguka kwa kupanga ntchito katswiri, anapereka Chilamulo.
2. Zopereka mtumiki wa.
3. anasamutsidwa ndalama popanda kutsegula akaunti.
4. Madipoziti m'maofesi yachilendo a mabanki zoweta.
5. Ndalama nkhani unallocated zitsulo.
6. Ndalama kunditumiza ku bungwe banki mu kukhulupirirana.
7. Ndalama anafuna kuti aziwerenga okha ndi ntchito njira zamakono za malipiro popanda kutsegula akaunti mu ogwira ntchito ndalama ndi ngongole.

maziko ndalama

inshuwalansi gawo imayendetsedwa ndi maziko palokha. kukula kwake ndi pa 7 May, 2014 anakwana rubles biliyoni 195.7. (Net makonzedwe kwa malipiro a indemnities kukhwima milandu -. Biliyoni 157,6 rubles). Waukulu magwero ndalama za Fund ndi boma chuma chopereka - biliyoni 7.9 rubles, ndi premiums inshuwalansi banki ndi ndalama ndalama kwa ndalama zake .. Zopereka ndi chimodzimodzi kwa mabungwe onse a zachuma komanso uyenera kulipidwa pa maziko miyezi itatu iliyonse. tariff The anatsimikiza ndi bodi a anthu okayikitsa. Pakali pano, mtengo wake ndi 0,1% pa mtengo avareji inshuwaransi anthu ndalama kwa kotala chogwirizana.

mabuku a mbiri yakale

Kuyambira nthawi pamene anayamba ntchito gawo inshuwalansi, malipilo chawonjezeka nthawi 14. Pa siteji koyamba zinali 100 zikwi rubles. Popeza August 2006, ndalama chawonjezeka 190 000 rubles, kuchokera March 2007 -. Kuti 400 000 mu October 2008 - mpaka rubles 700 000. Mu 2014, ndi Kusintha anapangidwa kwa State Duma, chimene pazipita malipilo anali miliyoni 1.4 rubles. Pa moyo CERs anali oposa 180 milandu inshuwalansi.

Kuti mudziwe zambiri za Kusintha kwa

Kuwonjezeka malipilo anali kawiri chifukwa cha mantha a depositors. Malinga ndi osunga ndalama, sitepe ili la State Duma ndi zabwino kwambiri, koma n'zokayikitsa amathandiza kuti kuchuluka kwa madipoziti. Komiti Msika Financial anaganiza kuthandiza ntchito imeneyi. Msonkhano unachitikira mu nthawi atsopano ndipo anabisidwa kwa atolankhani. Monga tanenera ndi mutu wa Komiti Burykina, ndi Kusintha panthawiyo anali olephera, ndi kupewa kusamvetsetsana zokambirana kenako ayenera kutenga malo opanda atolankhani.

cholinga cha msonkhano

Komiti anali kuganizira ngongole awiri. Woyamba nkhawa kuwonjezeka malipiro inshuwalansi ndi theka, ndipo chachiwiri - mapangidwe gulu yapakati-magulu a ziwanga, lomwe kuti athana ndi olimba wa zinthu pa msika Russian ndalama. Komabe, kukambirana anakhudzanso nkhani zosiyanasiyana ena apakhungu.

Zifukwa kuwonjezeka chipukuta misozi

Kufunika kwa chinthu mwadzidzidzi ndi chifukwa ndi outflow kwambiri ndalama nkhani ruble kwa nzika zonse. Chiyambireni cha 2014 izo anakwana biliyoni 216 rubles. Chifukwa kuyamba mu December mavuto azachuma ali ndithu kuchuluka chiopsezo kaŵirikaŵiri zimafalitsa. Osunga ndalama kuloza kwa chokhumba chachikulu cha Russia kusamutsa ndalama zawo nkhani ndalama, komanso kuti aganyali katundu. Malinga Aksakov, pulezidenti wa kuyanjana "Russia", kuchuluka kwa kukula kwa inshuwalansi azipereka kwa inflow ndalama ku makampani zoweta ndalama. Monga umboni wa udindo wake, atchula zinthu mu 2008. Pa nthawi imeneyo, outflow wa madipoziti unkachitika, anali 7%. Pambuyo kuwonjezera kuchuluka inshuwalansi 700. zikwi. Opaka. kuchuluka kwa madipoziti nzika 'adakulabe mu October ndi 10%.

Okayikitsa ntchito mu malo

Ndi kukhazikitsidwa kwa kusinthidwa kuonjezera inshuwalansi indemnity monga Aksakov anati, kachitidwe ka amachotsera ku thumba n'zokayikitsa zimasintha iliyonse. Pamene zayamba kuchepetsa malo okayikitsa akhoza kugwiritsa ntchito kwa ngongole ndi Bank wa Central. Mbali imeneyi amapereka Chilamulo Federal wa CERs. Monga tanenera Isaev (bungwe wamkulu), chigamulo zidzakhudza ntchito za bungweli Komabe, ayenera funsani Bank ku Central sichinafikebe.

njira zina za nzika

Monga zinanenedwa pamwambapa, osunga ndalama kuganizira kukula kukula kwa ndalama za inshuwalansi zochita zabwino kwambiri. Pakali pano, kufunika pafupifupi wa miyala ya anthu ndi 500 zikwi rubles. Izi chithunzi wotsika ndi chifukwa chakuti ambiri anali wosweka ndi njira zochepetsera chiopsezo cha kutsegula akaunti pa mabungwe osiyana ndalama. Ndi kukula depositors inshuwalansi malipiro amatha kudziunjikira ndalama zambiri ku banki wina. Pamodzi ndi kuwonjezeka kumeneku zosonyeza chipukuta misozi ngati chitsimikizo zina za boma. Zimenezi, mwa zinthu zina zimathandiza kuti kuchuluka chidaliro mu gawo zoweta ndalama. Pamodzi ndi uwu, malinga ndi osunga ndalama, ndi Kusintha adzakhala kuchepetsa mlingo wa Kulipira ziphatso ndi kusankha pofuna kupewa mavuto kulimbitsa thumba inshuwalansi.