Kungakanani inani imali kwesamba emabhange?

Ngaphambi uvula idiphozi ebhange, kudingeka siqiniseke ukuthi inhlangano kuyingxenye uhlelo umshwalense idiphozi (DIS). Umqondo eyinhloko esimisweni - ukuqaliswa izinkokhelo okusheshayo amaklayenti emthonjeni ozimele (Isikhwama) esimweni sokwesulwa ilayisensi. Ngakho, ngisho nangaphambi kokuba kuqale izinqubo ukuvalwa emabhange uthole imali yabo emuva. Ulwazi olutholakale emazweni omhlaba luveza ukuthi uhlelo enjalo iphakamisa ibha sokuqiniseka amakhasimende futhi lunciphise nezindleko sokunqoba crisis.

Yikuphi amabhange insured

ERussia, le nqubo ilawulwa ngumthetho igama elifanayo, futhi ayidingi kube isiphelo sesimiso isivumelwano olwengeziwe. Agency - Nge isimo inhlangano ekhethekile yadalwa ngo 2004. Ukuze ulawule uhlelo Idiphozithi Insurance Agency (DIA). It is waziphatha kumiswa ebhukwini emabhange, futhi Ukukhishwa ukonga. Amabhange, imali basuke insured isimo: Savings VTB (24), Gazprom, "-alpha", "Ibhange lase-Moscow," "UniCredit" "Promsviaz" MDM "Raiffeisen" "BIN", "i-Citibank" kanjalonjalo. . Lolu hlu sihlanganisa enye 840 izikhungo ezinkulu nezincane zezimali.

Inani kwesamba idiphozi emabhange e 2015 ruble ayizigidi ezingu 1.4. Kuhlanganisa yemvelo abantu izimali (01.01.2014 ngonyaka - SP), ibekwe ngendlela isikhathi ezifakwa ukuthi zifune imali, amabalazwe (credit aft) nasesikhathini akhawunti. Kulokhu, lesi sikhungo semfundo ephakeme kufanele zibhaliswe ensimini ka WaseRussia. State alinikezi:

- izimali engabhalisiwe metal akhawunti;

- ezifakwa ukuze Umthwali;

- amafa idluliselwe ukuphathwa ithemba;

- esisemanzini emagatsheni akwamanye amazwe eBhange;

- Ukudluliselwa ukuthi lwenziwa ngaphandle kokuvula i-akhawunti.

Inani imali kwesamba emabhange: Concept

Imali nge credit izikhungo baseRussia ivikelwe isimo. Kusukela ekuqaleni kokusebenza kwe-Idiphozithi Insurance Agency futhi 31.12.2014 lemali imali kwesamba emabhange zaba 700 ayizinkulungwane. Deda. ikhasimende ngalinye. Kusukela kulo nyaka, lelo nani liphindeke kabili. Lokhu kusho ukuthi uma ikhasimende ezifakwa eziningana zatholakala e amagatsha ehlukeneko yezinto ezifanako sesikweletu ke kunakwe isamba ukonga kanye nenzalo. Endabeni sokwesulwa ilayisensi ibhange uyakuba necala imali kuphela iminikelo in inani ruble ayizigidi ezingu 1.4. Imali ukuthi idlule lesi sibalo ngeke inzuzo. Ukukhokhwa tibalo umshwalense abathintekayo DIA.

Amabhange, imali basuke insured isimo, iphesenti ezithile izimali ezibolekwe zidluliselwa yisiboniso. Lezi izimali, kanye namanani etholakele Central Bank, asetshenziselwa izinkokhelo emabhange yesikweletu uma ukuhoxiswa yelayisensi.

ingozi

Fall ngaphansi ilungiselelo imali ephakanyiswe nganoma yiluphi uhlobo lwemali. Kodwa ezibhekwa ezifakwa evikelekile ngaphezulu ruble. Esimeni a ukwehla kwamandla kazwelonke, imali kumadola, euro namamane * eqala ukukhula. DIA okhokhela iminikelo in ruble, Bank of Russia exchange rate ngosuku sokwesulwa ilayisensi inhlangano credit. Zincane izingozi ezimbili. Okokuqala, ne ukwehla enamandla izindleko ruble idiphozi lingadlula isimo yibhange. Khona-ke zimali zonke izimali zabo ngeke uthole. Okwesibili, ukulahlekelwa zingase zimiswe ngenxa igebe elikhulu phakathi olusemthethweni kanye emakethe exchange rate.

I-algorithm

CERs oyakungena force emva sokwesulwa ilayisensi ebhange. Ngemva kwalokho zimali angafaka isicelo DIA nemfuneko ukubuyela idiphozi. Kulokhu, udinga ukunikeza:

• isicelo;
• idokhumenti esiqinisekisa ilungelo ngoba izindlalifa, noma amandla ommeli.

DIA kumele anikeze amaklayenti sicashunwa irejista uhlu kwezibopho ibhange phambi kwakhe. Izimali kumele sikhokhwe zingakapheli izinsuku 3 zomsebenzi, inqobo nje kuye kwaba kwamasonto amabili kusukela ngosuku kukhishwa ilayisensi. Uma ngembuyiselo onganelisekile abangamalungu akhokhela lo mshwalense wangaphambili, angawubhala isicelo DIA. Ukuze iphepha udinga ukwenza uhlu imibhalo eqinisekisa ilungelo lokuthola izinzuzo eziningi.

Kuhlelwa kabusha CERs

Phakathi 9 izinyanga yokuqala 2014 amasheke Central Bank kungukuthi lidlule 40 credit izikhungo, kuhlanganise "Thembela" ebhange. Imali basuke insured isimo kulezi zinhlangano for ingqikithi ruble 212 billion. Inani kwezimali DIA ngoba ngonyaka wawa ruble 237 billion ruble 154 billion. Iningi wama phandle Mosoblbank, sanitize okwakukhona eshibhile, kuka ukubuyisela nemiphumela ngokumiswa. Ukwehla zanqwabelana okuyisilinganiso sabangu-1% emabhange amancane kanye naphakathi waqala ukukhathazeka nabalawuli.

State abolekise izikhungo luthathe indawo ehamba phambili kule simo by izimali eziyobe zingaphansi kokulawulwa. Elikhulu amabhange systemically ezibalulekile bephoqeleka ukuba akhokhele umshwalense imali e elinezinkathazo. Kukhona izindlela ezimbalwa kulesi simo.

Okokuqala. Amabhange, imali insured isimo, njalo ngenyanga ukukhokhela 0.1% semali waboleka imali. Umbuzo we kwamangqamuzana we amazinga. Kodwa lokhu kuzodinga izinguquko umthetho, futhi kuzobangela eziningi mpikiswano.

Okwesibili. Okwamanje, uhulumeni yibhange lemali imali kwesamba emabhange e inani eziyizigidi ezingu-1,4. Kukhona isiphakamiso ukhawule hhayi kuphela umthamo kodwa futhi nenombolo eyodwa zimali ukukhokha for imali wavula yonke amabhange avuselelwe.

Okwesithathu. Khansela inzalo umshwalense ku imali. Isikimu eqhutshwa 2006-2007. Lokhu izohlomula abanikazi imali e izimali zakwamanye amazwe.