Rīanga tiakina. Ko te rārangi o pareparenga ngā i roto i te pūnaha inihua tāpui

Whakatakoto Pūnaha Insurance (dis) - he tikanga o te tiaki o putunga pareparenga o kiritaki. Ko te hōtaka motuhake whakatinana e te kāwanatanga tenei. I roto i te hui o te take o te mōrea inihua (hei tauira kaihau) o te whakatakoto Insurance Agency (DIA) i roto i te wa ka taea poto ka utu depositors te nui katoa i hanga i mua i a ratou, te reira hanga hoki he rārangi o pareparenga ngā i roto i te pūnaha rīanga tāpui.

Ko te parau tumu o te mahi o nga CERs kāwanatanga Russian

Mahi o tenei hanganga i roto i runga i FZ № y77-FZ o 23.12.03 Ko te whāinga matua o te pūnaha kāwanatanga katoa ko (i roto i te hui o te whakamutunga o te hanganga pēke) hoki te investor haumi tona moni katoa i te utu o etahi puna, i te mea moni tino motuhake o te tangata, me te o tetahi. I tua atu, e kore e te investor Me ki ato'a faaoti ki te hanga pēke taua he kirimana motuhake o takoha rīanga. Ko te rārangi o pareparenga ngā i roto i te pūnaha inihua tāpui, ngā o aua pūtahi pūtea katoa e whakarato ratonga rite.

mahi o te Pokapü

Ko te mahi matua o te Pokapü ko ki te whakarite e nga mahi o te pūnaha o te inihua o putunga o tangata tinana o moni. Tika faaohipa i te reira ki ngā āhuatanga me ngā wāhanga o whanaunga pēke, te Central Bank me depositors katoa. Ko te mahi matua o te institution:

• Mana kapi te pūtea inihua, e pupuri ana i te kohinga o takoha o te rōpū.

• Ko te rārangi o pareparenga ngā i roto i te pūnaha inihua tāpui: tona kaute, te whakarerekētanga.

• Kaute mo whakaaturanga depositors, whakaaetanga o tono mō te moni tāpui moni.

• Ko te nui o te moni.

• Te tautuhi i te tikanga me te tukanga o utu pareparenga tātaitanga.

• Investment o moni toenga mo te whakaaro o te moni atu i roto i te runga ki ture tīariari.

• Ko te whakaritenga o ngā mōhiohio tautoko te pareparenga i runga i te mahi o te hanganga inihua katoa.

• Pīra ki te Central Bank i te tono o mehua e tika ana ki tahataha, i takahi ona whakaritenga.

rōpū CERs

Ko nga mema o o tenei pūnaha nga kiritaki o te hanganga pēke o te Federation Russian:

• Banks e kua riro te raihana ki te whakahaere i ngā mahi ki te takitahi, e ko, ngā te pareparenga i roto i te pūnaha rīanga tāpui.

• whakatakoto Insurance Agency.

• CBR. Ko te huānga ture i roto i tenei pūnaha.

• Citizens o te Russian Federation, me te tūnga o te takitahi.

• SP te kore mana ture, engari e whakatuwhera he pūkete mō te ngā mahi o te mahi i runga i te pūtake ngaio (avdokaty notaries ranei).

• ētahi pokapū, e he ture ano, me te tahataha, mohio i mua kia rite ki ngā whakahaere whakarato ratonga rīanga.

E pareparenga e ngā i roto i te pūnaha o te inihua tāpui whakahauanga i roto i te Russian Federation? Kei te tino te whakahoki whai wāhi pareparenga katoa. Ehara i kore e taea e te pēke kotahi whiwhi i te raihana, ki te kahore te rōpū ki te CERs. Ka rite ki te pūnaha tiaki metarahi o putunga pēke i roto i Russia mai 2003, i reira te mea he pūnaha moni tāpui inihua (SSDV). Ko te whakaaro o tenei pūnaha ko ki te utu putunga haukāinga, o te puna pūtea ngā, ki te mea i reira kua he mutunga o ngā mahi o te kautaha fakapa'anga, wahi o te rārangi o pareparenga whai wāhi i roto i te pūnaha o te inihua obligatory takoha. E hinaaro tatou i te tahi mau atu puna pūtea - te tahua rāhui inihua. I hanga e ia i roto i te pokapū rīanga. Ko te pūtake o te whakakī (tetahi o te maha) me te Russian Federation he pareparenga e e pai ki te mahi ki te harangotengote. A muri iho i anake hanga tetahi kohikohi moni ki te pūtea rāhui o te pareparenga i te tika ki te kia raihana ki te mahi ki nga tangata tinana. Kei te te Fund whakakiia e te pareparenga i runga i te pūtake toru marama. Ko te nui o taua utu whakaturia e te Poari o Directors. Ko reira te taua mo pareparenga katoa, engari i ētahi wā te whakamamaetia ako, e, i roto i te tahuri, kia hāngai ai ki runga ki te āhuatanga ōhanga o nāianei, me ētahi atu.

putunga Insurable

Insurance raro ki putunga, e kua hanga i roto i tetahi moni. Ki te puta he hui inihua, utua te investor te nui katoa, engari e kore e nui atu 1.4 miriona moni. Ko te pūtake mō te inihua, me te kaimahi rite te whakaaetanga mutu e te rōpū i runga i te whakatuwheratanga o te pūkete i te ingoa o te pēke o te kiritaki.

Ko te rārangi o pareparenga whai wāhi i roto i te pūnaha inihua tāpui

ngā Tetahi hanganga pēke he hononga ki te tangata tinana i runga i te pūtake o te raihana i roto i te rēhita Agency. A i roto i te raupapa whakamuri - ka mea tetahi pareparenga o te mea he raihana mō ngā mahi ki te tangata tinana rēhita. Ki te te kore whakaurua te reira i roto i te rārangi o pareparenga ngā i roto i te pūnaha inihua tiakina, na e kore e taea ki te whakahaere i te whakawhitinga e hāngai ana. tomo Bank ki te rārangi mea anake, no te utu etahi takoha ki te pūtea inihua. Na te ti'amâraa inihua, i tahuri, kua te mana ki te aukati i tetahi taha, me te kupu ki te whakatika i te rārangi o pareparenga ngā i roto i te pūnaha rīanga tāpui. Anake i roto i te wā e rua, kia mukua te pēke i te rārangi:

• Whakakorenga o te raihana, me te mutu te whakahaere.

• Ko te whakapanga o te Central Bank o te moratorium i runga i te pēke i roto i runga i te whakaritenga o nga nama.

I tēnei wā, kia nga pareparenga whai wāhi o te pūnaha o te inihua herea o putunga o takitahi te rārangi, e ngā neke atu i te 1,000 pūtahi.

Tuatahi o te katoa, te reira pūtahi nui, me te rongonui katoa o te pēke Russian hou, he i roto ia ratou:

• Sberbank;

• "Gazprombank";

• "Alfa-Bank";

• "Agricultural Bank";

• "Raiffeisenbank" me etahi atu.

"Plus Bank", "Loco-Bank", "Cedar" me pera atu: i roto i te tua, inihua tāpui me te tautoko institution iti-mohiotia.

Hei kitea he rārangi o pareparenga whai wāhi i roto i te pūnaha inihua tāpui (he katoa o neke atu i te 800), nui ki te tono ki te Agency. Ko te paetukutuku e pā ana o te whakahaere whakarato te mōhiohio e tika ana katoa. whakarato hoki ia mōhiohio i runga i ngā tahataha, i i ngaro te tika ki te whakahaere ngā mahi ki te haumi ona moni ki te pūkete o tangata māori ki te whai wāhi i roto i tangata moni inihua ranei.

Ko te whāinga, me te tikanga o te Tahua

I hanga tēnei hanganga pūtea rite te pūtake mo te mahi o ā tikanga inihua tāpui moni. Ko te matua, me te pea tona whakaaro anake ko ki hoki te nui katoa o civilians nehua, e ko te kiritaki pāngia e te whakamutunga o te mahi a te pareparenga i roto i te viivii ore o tetahi take mo ora. Fund i roto i te tikanga ki tonu o nga momo o takoha pūtea i hanga e te pūnaha inihua whai wāhi pareparenga tāpui, me i hua i kararehe investvlozheny ake moni.

Ko te ara matua ki te kapi kararehe

1. Ko te āhua whakakopa pūtea etahi moni i te Central Bank o Russia. I tēnei wā, he rite ki te 7.9 piriona moni tenei nui.

2. Ko te pareparenga whai wāhi o te pūnaha o te inihua tiakina whakahauanga.

3. Income i pūtea investvlozheny kararehe i roto i te peeke, o te rōpū nui rawa i roto i nga putunga o te Bank o Russia. E kawea Investments i anake i roto i te hanganga ture ki te whakaritenga o te ture e hānga ana i runga i ngā rōpū puka pai-kore o te mahi.

Ko te āhuatanga matua o te take i roto i te manakohia o tona motuhake i tetahi pokapū kāwanatanga me tahatika. Tenei haapapu e kore e taea te whakamahi ana māngai mō te tahi atu ngā mahi haunga tāpui utu inihua. He āhuatanga nui o tenei hanganga ko e kore ona māngai e tono whiu mo nga herenga o pūtahi pūtea whakauru i roto i te rārangi o pareparenga ngā i roto i te pūnaha inihua tāpui me te whakahaere takoha.

Āhuatanga o putunga moni ke

Putunga i roto i te tahataha o mua i roto i tetahi moni ke e hiahiatia ana ki te mamae inihua. Heoi, kia mōhio e i roto i te hui o te hui inihua ka utua i roto i te putanga RUPO. Fakatatau ki ai, whakamana te tātai ano te rite ki te CB i runga i te auau utu moni, kua oti nei te noho pūmau i te wa, ka Kua puta ake te āhuatanga inihua. Ko hoki te nui o te inihua herenga kotahi rau ōrau o te rahi katoa o te moni tāpui, engari e kore e nui atu 1.4 miriona moni. Kei te mau ano auau Interest o putunga moni ke ki whakaaro i roto i te hoki. He rite ki te putunga RUPO te tikanga o te hokinga mai i runga i putunga moni ke.