"Khulupirira" (NPF): ndemanga, mavoti. NPF "Khulupirira": bwanji kuti mupewe mgwirizano?

Mu Russia pali ambiri angapo ndalama payekha penshioni. Ntchito yawo yaikulu - kuthandiza boma mu malipiro a mtundu yoyenera chipukuta misozi kwa anthu. Anthu ambiri zopangidwa wotchuka wa inshuwalansi penshioni msika mu Russia - NPF "Khulupirira". Bungweli wakhala bwinobwino ukugwira ntchito mu msika pa 17 zaka. ndi mfundo za mudalitso "Khulupirira" n'chiyani? Kodi makasitomala NPF kulemba ndemanga, pa mogwirizana ndi thumba? ndi udindo mabungwe masanjidwe NPF kudziwa zimene?

Fund mudziwe

NPF "Khulupirira" unakhazikitsidwa mu 1997 - ndi oyamba payekha thumba penshioni ya la Russia. Pakati pa Co-anayambitsa bungwe - kampani "VolgaTelecom", JSC "NMGK", OJSC "lubwe", JSC "Nizhpharm" ndi CJSC "Nizhegorodpromstroybank". APF amagwirizana osati ndi thupi, komanso mabungwe alamulo.

Mu 2004, bungwe analandira chilolezo ntchito m'munda wa inshuwalansi penshioni ndi chitetezo payekha. Mu 2010, NPF "Kukhulupirira" zinasaina pangano ndi JSC "nkhokwe". Kenako, kampani kasamalidwe anali gulu la "nkhokwe FINAM Gulu". Other Wachifwamba Code, amene anali osiyana ndi thumba - LLC "MC Maziko-Muzigwiritsa". Tsopano NPF - pamwamba makampani 10 Russian lolingana mbiri. The Fund ndi chimodzi mwa yopindulitsa kwambiri. Yaikulu thumba chuma payekha - mu pamwamba makampani 30 Russian.

Geography a

Ali mutu ofesi ya NPF "Khulupirira"? Kuthetsa dongosolo bwana wa gulu :. Moscow, Big Savvinsky Pereulok 12, kumanga 9. The hayala likulu la bungwe - 150 miliyoni rubles. Zintchito watsopano wa PPF "Doverie" - Moscow ndipo oposa 20 zigawo Russian. Fund The Akuti mwa akatswiri monga mmodzi wa yachangu kukula mu mbali ya chitukuko maukonde mu nzika za boma.

Transformation dongosolo

Mu 2014, Foundation wakhala akugwira kusintha ndondomeko ya chokhala m'dzikolo - kuchokera NGOs mu AO. ZAO "NPF Trust" - dongosolo latsopano wakhala analenga. Mu 2015, Fund anaphatikizidwa boma m'kaundula wa mabungwe kuti pokhala magulu ufulu wa makasitomala a dongosolo inshuwalansi. Tsopano JSC "NPF Trust" - nduna dzina la gulu.

Zotsatira ndi mavoti

Mu 2012, bungwe analowa pamwamba ndalama 10 ndi chiwerengero cha mapangano atalembedwa nawo nzika mu kuvomerezedwa inshuwalansi penshioni pulogalamu. Mu chaka chomwecho ife anadzakhala mnzanga NPF mabanki angapo kutsogolera ntchito mwa Russia. Njira malonda a thumba zikuphatikizapo osiyanasiyana ntchito: kutsegula a ngalande malonda, pa mzere chuma.

NPF amapereka 2 ntchito yaikulu: ntchito m'munda wa chitetezo si boma, komanso mogwirizana ndi nzika mu chimango cha mapulogalamu mokakamizidwa inshuwalansi penshioni. Onse malangizo a gulu akuti ndi akatswiri monga bwino. Mwachitsanzo, kotala choyamba cha 2013 oposa 339 zikwi. Munthu mbali ya mgwirizano pa pulogalamu ya mokakamizidwa thumba inshuwalansi penshioni anali ndi chikhulupiriro. NPF, ndemanga za amene amakhala ofalitsidwa online, anali yodziwika ndi makasitomala monga dongosolo limene akatswiri oyenerera ndi kumva. Kotala 1 2013 buku la ndalama mu thumba anakwana rubles biliyoni 7,8., Amene ali 20 maulendo chithunzi kwa nthawi yomweyi mu 2012.

Kufufuza National Mavoti Agency

Imodzi mwa mfundo za kudalirika chionetsero NPF "Khulupirira" - mlingo. Iwo akhoza kupangidwa pa maziko a muyezo akufuna ndi mabungwe osiyanasiyana. Choncho National Mavoti Agency anaganiza kuti kwa NPF "Khulupirira" mlingo ayenera kukhala wotsimikiza pa mlingo wa AA-. Mogwirizana ndi gulu la, chizindikiro ichi chikusonyeza thumba monga kapangidwe odalirika anatengera mu bungwe.

Ndi RA "Katswiri"

gulu lina, bungwe "Katswiri RA", ankaona kuti Fund ayenera wachinsinsi monga gulu ndi mlingo wa +. Mogwirizana ndi gulu la bungwe la kutanthauza kuti NPF amadziwikanso yodziwika odalirika. Pa nthawi yomweyo, ofufuza "Katswiri RA" anagwirizana udindo wa zanyengo ndi "khola". Izi zikutanthauza kuti kampani "NPF Trust" (mayankho kwa akatswiri ambiri correlate ndi mfundo imeneyi) ndi Mwina mkulu adzakhala nawobe mlingo wake panopa mpaka kalekale. Taganizirani chikhalidwe cha masanjidwe zogwirizana kwambiri.

Zinthu mkulu maudindo

ndi chifukwa chakuti zimenezi ndi malo apamwamba anatenga "Khulupirira" thumba chiyani? NPF (ndemanga za akatswiri ambiri msika akutitsimikizira izi), koposa zonse, ndi mphamvu yakumangirira moyenera njira ndalama. Ndi chimodzi cha zinthu zabwino mu ziyenera a ntchito gulu la - ndi thandizo kuti anali ndi oyambitsa a. A mbali yofunika kwambiri ankaimba ndi kufalitsidwa zazikulu mayunitsi a NPF m'madera a Russia, komanso kuyenerera mkulu wa ndodo ya Fund. Malinga ndi akatswiri, mu zikuchokera ziwalo apamwamba, mabwana thumba ntchito anthu, ali pakati woyenera kwambiri m'munda wa sanali boma inshuwalansi penshioni.

Lamulo ndalama za bungwe amakhala ndi akatswiri monga mokwanira ndiwofatsa. Ie NPF "Khulupirira" (mayankho ochokera ndodo ntchito pa maudindo zogwirizana, akutitsimikizira izi) amanga ntchito yake, kuti akhale, pa dzanja limodzi, mkulu mlingo wa profitability, pa zina - kugwiritsa ntchito zipangizo odalirika ndalama.

Ponena za maganizo a bungwe "Katswiri RA", chinthu zabwino aone ake a mlingo wa thumba la analinso mkulu mlingo wa zokolola ndalama accrued pa nkhani za anthu nzika amene walemba ndi NPF wa mgwirizanowo inshuwalansi. Mwachitsanzo, pakati pa 2009 ndi 2012, chithunzi lolingana anali 29%, pamene mlingo kufufuma sanali upambana 23% pa nthawi yomweyi.

The mlingo mkulu wa kudalirika kwa JSC "SPC Trust", akatswiri kunena, amathanso kugwirizana ndi mphamvu chidwi cha kukula kwa ndalama, komanso chakuti thumba - kuphatikizapo atsogoleri Russian msika pa muyezo monga chiwerengero cha mapangano Mukalowa mu Ops gawo.

zizindikiro zina zabwino zimene zinapangitsa chizindikiro cha "Katswiri RA" - mulingo woyenera chiŵerengero cha inshuwalansi malo, ndi chinthu monga VVCP. Akatswiri apeza kuti pa mapeto a kotala 3 wa 2013 izo anakwana 6.4%, pamene kufunika apakatikati pa msika chinalembedwa pa mlingo wa 6%.

Mukhoza kuona kuti njira ntchito ndi kugwira ntchito kwa thumba IT-zomangamanga "Katswiri RA" anali ayesedwa kwa NPF "Khulupirira" monga amtengo mkulu.

Chinthu chofunika kwambiri zimene zinapangitsa malo apamwamba mu kusanja wotchuka NPF Agency - Kuulula mabungwe ndalama kukonzekera Investor. Choncho, mu 2011, machitidwe awo nkhani ku mabungwe akuluakulu a zachuma, omwe ndi chidwi cholimbikitsa msika wa payekha inshuwalansi penshioni.

i zopinga

Mmodzi wa akugwirizana ndi kuchepetsa kuti aone akatswiri bata thumba "Katswiri RA" anali kunena kuti NPF amakhala ndi magawo mkulu ndalama mu okwana chuma penshioni - za 97%, komanso m'malo otsika chokwanira IOUD - kumapeto kwa kotala 3 wa 2013 izo anakwana 0 2% poyerekeza ndi ndalama, komanso 2% mu mawonekedwe a ndalama NPF. Akatswiri "Katswiri RA" wapeza kovuta kuti aone ziyembekezo ndi khalidwe la ntchito zomwe ndi Wachifwamba Code "Finam nkhokwe Gulu". Bungweli si imawunikidwa ku mbali ya mavoti kudalilika, popangidwa ndi akatswiri "Katswiri RA" ndi nyumba zina kudziwika kuti akakomane ndi muyezo wa kampani kuti mlingo wa "A" ndi masitepe kuti upambana izo.

anapitiriza kukula bwino njira

Lofalitsidwa magwero osiyanasiyana deta amati thumba idzafotokoza pakhale kuwonjezeka mu m'munsi kasitomala, komanso chilengedwe cha mapulani penshioni zisonyezo makampani gawo.

Komanso adzapeza ntchito chitsanzo thumba envisages kusintha zina za khalidwe la mogwirizana ndi makasitomala ndi kuwongolera kugwira ntchito kwa nyumba zosiyanasiyana za gulu lonse.

Kuthetsedwa kwa pangano ndi NPF

Ngakhale kuti lamanzere pa makonde apadera makasitomala NPF "Khulupirira" ndemanga - kwakukulukulu zabwino, nzika zina akukumana ndi kufunika kutsirizitsa pangano ndi Fund. Izi zikhoza kukhala chifukwa zifukwa zosiyanasiyana. Mwachitsanzo, ayamikira akhoza kulamula bwana kampani, walowa mu mgwirizano ndi thumba lina. Ngati munthu wasankha kukana kugwirizana ndi NPF "Khulupirira" monga kutsirizitsa mgwirizano ndi njira zambiri yolondola?

mawu Yovomerezeka ya kuchotsa mgwirizano

Malinga ndi chilamulo, kuthetsedwa kwa pangano ndi NPF n'zotheka pa nthawi iliyonse. Zonse muyenera kukhala nzika - kutumiza ku gulu la mtundu yoyenera mawu. M'pofunikanso kusaina zikalata, malinga ndi zimene ndalama anaika mu nkhani za NPF, adzakhala kunditumiza ku thumba lina kapena umasamutsidwa ku nkhani banki wa nzika.

Pa malipiro Momwemo anakhazikitsa NPF "Khulupirira" zimakhala zosiyanasiyana kwa obadwa mu mabungwe ena a mbiri ofanana mfundo. Koma kawirikawiri, malipiro ndalama ikuchitika ndi chibwenzi chake mu njira ankatha kuwerengetsera anapeza ndalama, komanso kuwonjezera ankapeza. Deducted ndi anthu malipiro amene kale akuyendera.

Zilibe kanthu chimodzimodzi pamene munthu anasankha kuthetsa ubale ndi Fund "Doverie" - nthawi pamene pali kudzikundikira ndalama, kapena m'kati kukhazikitsa malipiro. Kuchuluka lonse kuti ndi sonyezani kwa makasitomala, uyenera kulipiridwa mwa njira anakhazikitsa.

ngongole msonkho

kumanja nzika za kulandira ndalama kuchokera NPF, amene anathetsa mgwirizanowo amenenso limodzi ndi udindo kulipira msonkho munthu pa chimaposa cha mtundu chogwirizana. Komabe, ngati munthu wasankha ndi zosinthika limene ndalama ndi kunditumiza ku china NPF ya "chikhulupiriro", palibe msonkho. mfundo ina: ndalama ndalama kugwirizana ndi kulanda ndalama ku gulu wina ndi mzake, kukatumikira ku NPF kasitomala.

Takambirana malamulo - ali wamba onse ndalama sanali anthu, kuphatikizapo NPF "Khulupirira". Kodi kutsirizitsa pangano, taphunzira. Tsopano ife tione sipekitiramu maganizo Katswiri komanso makasitomala 'kukhulupirirana. " mlingo wa amaganiza za ndalama za mudalitso penshioni sanali boma ndi chiyani?

Reviews wa thumba "Khulupirirani"

Ambiri msika akatswiri ponena kuti thumba anali mwayi ndi dzina monga mawu "kukhulupirira". NPF (ndemanga ambiri zothandizira wake akutitsimikizira izi) anakwanitsa chidwi nzika mkulu mlingo wa yamtunduwu ndodo. Nzika kulankhula kwa akatswiri a mabungwe monga oyenerera, akatswiri odziwa okonzeka kufotokozera kasitomala mokoma onse mapulogalamu penshioni.

Pakuti maganizo ankaona wa NPF amakhala ndi chakuti mlingo wa ziyenera a bungwe sadalira pa dera. Ngati mzinda, ndi anthu makasitomala amene achoka za NPF "Khulupirira" ndemanga - Moscow, maganizo zambiri zaphindu ngati mawonekedwe a mabizinezi awo, mwachitsanzo, Orenburg. Izi zikusonyeza kuti m'madera onse a SPC ntchito mu chimango cha chitsanzo logwirizana la mogwirizana ndi makasitomala, amene zikuoneka amakhala mokwanira mwakukonda njira ndi mkulu khalidwe utumiki, nzika kukhudzana. Ngati mzinda, amene umagwira nthambi NPF "Khulupirira" - Samara, ndemanga, mwina kwa nzika wamba ndi ofanana ndi amene kusiya kwa Moscow.

zokolola Chinthu

ndi wotani kuti depositors la thumba, osati kuwerengera utumiki? Tikaona maganizo pa nkhani ya zinthu kumbuyo kukhulupirira - NPF (ndemanga za akatswiri ambiri chilamulira chikhalidwe ndi icho) amakopeka makasitomala kudalirika. Ie pa thumba salonjeza kuti depositors manambala zosaneneka adzabweranso, komabe momveka bwino kuti kanjedza, amene akwaniritsa mu chimango cha njira panopa ndalama, kodi osadzuka mwangozi. Choncho, umboni wopita kwa NPF "Khulupirira" ndemanga, makasitomala amakopeka ndi chilungamo mu ubale ndi gulu la depositors lapansi. Akatswiri NPF, amene kucheza ndi nzika kufotokoza mwatsatanetsatane ubwino kulemba pangano ndi Fund, moganizira bwino ndalama chitsanzo bungwe.

Pali thumba mu ulemu wa ntchito za anthu ndi chilengedwe ndi mbiri yabwino wa kukayika. N'zokhudza makamaka ndi precedents, amene amasonyeza Abale ndi NPF Nyumba kuthekera makasitomala ndi kupemphetsako kunena mgwirizano. Komabe, palibe odalirika mfundo pagulu zimene mchitidwe NPF ndi zokhudza zonse, komanso mfundo, indisputably kutsimikizira kuti maulendo ndi monga antchito "kukhulupirirana." Nthumwi akhoza kukhala mkhalapakati amene amapereka kunena zimenezi ndi SPF osiyana.