Izinkontileka Life Insurance ngeke nilingenise Abantu kokuqina

I-Russian yomshwalense emakethe uya ukuphefumula nokuphila futhi, kulokhu yokusiza umuntu ukuba aphefumule yakhe Sberbank ufuna ukwenzani. State Bank isinyathelo uyokhanga ukwesekwa ebanzi neziphathimandla zomthetho. Kakade lokhu entwasahlobo, uhulumeni angase acabangele isinyathelo Federal yesevisi Izimakethe zezimali, kukhona futhi ukukhathazeka okukhulu ukuthi ukuthela ezuziwe umshwalense utshalomali, okungekhona eqinisweni yomshwalense, idlule izinga lokwehla kwamandla emali. ukusungula isikhwama esikhethekile ekukhokhweni izivumelwano yomshwalense. Mhlawumbe, kuyothiwa ezakhiwe iminikelo yabo bonke ababambiqhaza emakethe. Umgomo - ukukhulisa ukuthembeka namanje engathandwa kuleli zwe, inqubo kusho ukonga.

Akuwona neze umsebenzi olula. Kuze kube manje, izinkampani ehilelekile Russian emakethe yomshwalense, ayikwazanga ukuziqhayisa noma iyiphi impumelelo ngokuya nokubekwa kwezimali amaklayenti abo. I yamathuluzi, okuyinto kuchazwa emthethweni ngoba lokhu ngempela ewumngcingo, kanye ziqu lwabaphathi ayiyinhle.

Sberbank, Okwamanje, ulungiselela nokuqhuba isu nolaka wasithatha emakethe. Ngenxa yalezi zinjongo, ke uthenge inkampani yomshuwalense, futhi izilaleli, okuyinto unesithakazelo giant ufuna umkhiqizo wawo omusha kumele babe ngemali ruble ayizigidi 60 ezindaweni futhi 100 ayizinkulungwane enhloko-dolobha.

Ukuthenga ejenti ezimakethe umshwalense lonke emakethe, ngisho into abangokomfanekiso - Sberbank aluthola "indodakazi" Russian of Allianz-German ubambe inkampani "Life Alliance." EYurophu, inkampani enkulu kunazo umshwalense emakethe kuyinto ngempela esingesihle, akusiyo ezingaphezu kuka-1% yomshuwalense Imininingwane eRussia, ngesikhathi eNtshonalanga, lokhu kwabelana ongafinyelela 60-70% umshwalense .biznes ukuphila ezweni lethu nje kungabekwa ngembaba esibekiwe, futhi, njengoba kakade abaningi asebenza naye, washiya Russia. Izinkinga main kule makethe ezimbili, futhi kokubili ihlobene nempikiswano ithemba. Okokuqala, ezweni lethu abangethembi imali ithathwe isikhathi eside. Futhi okwesibili, eziphethe imakethe yomhlaba wonke umshwalense, ikakhulukazi ukuphila, yabonisa kungathembeki yayo ngesikhathi kunezinkinga zokugcina zezimali ngaphandle yesibonelelo sikahulumeni ngabe ziwile ngisho "silo" enjalo, njengoba AIG.

Kukhona futhi ukukhathazeka okukhulu ukuthi izinga sezikhalazo ukubuya yomshuwalense utshalomali, okungekhona eqinisweni yomshwalense, idlule izinga lokwehla kwamandla emali.

Investment izimali eziqoqiwe ngaphansi lezi zivumelwano ligcinwe imithetho efanayo njengoba ukuphathwa, isibonelo, imali yempesheni. Phakathi naleso sikhathi, abaphathi eyimfihlo ingxenye uxhaso impesheni wathola ngo-2011, umphumela uba kunalokho isimo VEB, nokuthi futhi kuhlulekile dlula ngesilinganiso ukwehla kwentengo imali. Okungukuthi ukuphathisa ukonga umshwalense abantu empeleni ayikho.

Ngamanye amazwi, emehlweni sabantu banal ezifakwa emabhange uzoqhubeka ukubheka okuningi akukhetha ezingaphezu kuka izinkampani supply ukuphathwa. Zenziwa esikhathini esifushane futhi unike izwe lethu libe ephakeme noma okungenani uzinze uyabuya.

Kuze kube manje, lo Isu lokutshala izimali ye Savings Bank of emakethe umshwalense akucacile, kodwa kakade kukhona ulwazi ukuthi isikhungo credit ilungiselela ezinye netinyatselo ngekwemtsetfo, lapho kufanele umsize (kanye nazo zonke ezinye izinkampani, kakhulu) kuyinto inzuzo engaphezulu ukubeka imali yezakhamuzi abathenge nezinqubomgomo. Akungabazeki ukuthi "esitimela" enjalo maduze iyahambelana nezinye amalungu ukuphila umshwalense emakethe, ngaphandle-ke, Sberbank uzokwazi "ukhiphe" service. Okwamanje, emakethe in a sigaba embryonic kakhulu, akusiyo ezingaphezu kuka-1% yomshuwalense Imininingwane eRussia, ngesikhathi eNtshonalanga, lokhu kwabelana ongafinyelela 60-70%.

giant lwezezimali, ngaphezu izinkinga luyingxenye zobuchwepheshe kudingeka zixazululwe, futhi inkinga luyingxenye kwengqondo - ku umshwalense Russian ziqondakala labantu njengoba okubi kunesidingo. Kungenxa yalesi sizathu kuthathwa ngokuthi imali enkulu lizobuya ngokushesha kakhulu, ngakho-ke, inkampani yomshuwalense we Savings Bank ezosebenza nge okwanele ukwakha olinganiselayo futhi ngempumelelo iphothifoliyo yokutshala izimali.

Ngenxa MoneyVector portal weluleka abathengi ukuba babheke kude for umkhiqizo omusha, linda okungenani unyaka owodwa noma emibili ukuze ubone ukuthi isivuno bazokwazi ukuhlinzeka abaphathi Savings Bank. Futhi uma kuvela ezingeni idiphozi amazinga, noma ngisho ngezansi, ulinde ukukhula amakhono professional yabasebenzi izinkampani umshwalense, okuyinto bekwi utshalomali.

Futhi ungakhohlwa ukuthi umshwalense utshalomali akekho ongasho ngokuqiniseka ukuthi athembisa, okungukuthi, inzuzo kungase kungabi - lokhu ngokuvamile kwenzeka emhlabeni zezimali. Jikelele kungaba ukulahlekelwa nalena futhi, banawo. Ngamanye amazwi, kubalulekile ukuba ucabange izikhathi eziyishumi ngaphambi unganqotshwa ukuncenga Sberbank abaphathi.