"Whakaaetanga" (NPF): urupare o kiritaki me ngā kaimahi. NPF "whakaaetanga" - me pehea ki te whakamutu i te kirimana?

pūtea penihana "whakaaetanga" i roto i te mahi mākete inihua mai 1994, a i roto i taua wa ona kiritaki he neke atu i te 176 mano iwi. Mai 2010, i roto i te tua ki kirimana penihana NPF "whakaaetanga" whakarato ratonga rīanga me fakahokohoko o Ops heke mai penapena. Kia pehea te i tupu tenei? I te tukua 2011th o APF "whakaaetanga" ko te teitei i roto i te whenua - neke atu i te 33%. I roto i te 2015, mutu te kamupene ngā mahi Retirement me Insurance i te whakakorenga o te raihana i te Central Bank. Tae noa taua wa, i runga i nga mahi o te kamupene i kino "whakaaetanga" (NPF) arotake kiritaki e tika ana ki te whakahaere kaupapa here arumoni nui, tona matua whakaaro ko anake ki te hoko hua rīanga.

Mōhiohio Company

Neke atu i te 22 tau o te wheako i roto i te kamupene penihana me te inihua NPF "whakaaetanga" i matau whānuitia i roto i kiritaki me i roto i te whakataetae e tika ana ki te kaupapa here kaha o te kamupene mō ngā kirimana hou. E tiakina penapena Penihana o depositors i inihua tāpui, e ko, kiritaki i te 100% taurangi o utunga o te wahi pūtea o faatuhaaraa.

I roto i te oraraa o te whakahaere o neke atu i te 176 mano iwi whakawhiti ratou penapena ki NPF "Whakaae". e kore e wāhitau o te kamupene (hetikuota i Moscow), te paetukutuku e pā ana, me tari atu i roto i 2015, ka whakautu i tēnei wā ki ngā tono kiritaki me he kahore hāngai. Ko reira utu whakaaro he aha i tupu i te reira.

Ahakoa te meka e whakamutunga tau kua kē te NPF "whakaaetanga" raihana i whakakorea i te mutunga o 2014, te whakahaere 29 iwi ki te tiki i utu Ops kirimana i roto i te nui o 858.610 moni. I raro i ngā kirimana whakarato fakahokohoko fakamotu'aleá o utu inihua atu mō te tautoko kāwanatanga-kore, i putu utu i roto i te 1168 ki te kiritaki i roto i te nui o neke atu i te 3.17 miriona moni.

utu puranga moni, homai te fakahokohoko tiketike tohu te tupuraa o herenga ki depositors, a i roto i te anga o tenei take tata ahurei mo te u, rite te nuinga o te "mara" o te kamupene e kore he whakapati "whakaaetanga" (SPF) whakawākanga o depositors.

Whai wāhi i roto i te rangatira o ngā pokapū tohunga

Taking wahi i roto i te whakawākanga o ngā ratonga hoa kamupene, whakawhirinaki i runga i te meka e taea e ratou te ratou kaha ki te utu me te kaha ki te whakatau i te herenga ki depositors. I tua atu, i te mau a'oraa taumata tiketike e pā ana ki eu tūnga pūtea, me te whakanui ake i te taiva ore o kiritaki me te pūtea policyholders pea, e e pea atu ki te tono ki te whakahaere i arotakea.

I roto i te 2014, kua whakawhiwhia te kamupene renkingovaya mana "Tohunga RA" te NPF "whakaaetanga" rangatira taumata tiketike o te tika - A. te tau e whai ake nei, kua tenei ahua kua whakapumautia rite te roa rite kore i te tahua i whakakorea raihana mo te whakarato o ngā ratonga penihana. Ko te pūtake mō te whakatau taua o te Central Bank, rite ki te tikanga, ko te takahi mata'ā'aá o nga tikanga o te moni penihana o te kirimana inihua - kore o te kapinga pūtea, te whakarato utu heke mai ki depositors nei tukua te indexation o kamupene penihana penapena, amuamu i kiritaki, tuku roa o ngā mōhiohio e pā ana ki te kamupene.

i hāngai tika kaupapa here o te whakanui ake i te kiritaki kaha o te Tahua i te kukume pūtea hou i tetahi tikanga, ai e pā ana ki NPF arotake "whakaaetanga" e te nuinga negative.

pūkete Whaiaro o NPF "Whakaae"

Rerekē te tahi atu moni, te whakarato mōhiohio ki pūtea anake i haerenga whaiaro ki te tupu ake i te ī-mēra ranei, moni waho i te käwanatanga "Concord" kua he hongere uru mamao ki te kiritaki o te penihana penapena - "Pension Kāpeka" kaituku.

Hei kitea i roto i ngā mōhiohio e pā ana ki penihana penapena, me rēhita i te kiritaki i runga i te paetukutuku SPF, te whakakī i roto i te mōhiohio e tika ana e pā ana ki a ratou ano (te ingoa, SNILS uruwhenua me ētahi atu). I muri rēhita kiritaki ipurangi e taea te tiki i ngā mōhiohio e pā ana ki te mana o te pūkete. I tua atu, ka taea e te kaiwhakamahi te hono i te SMS-pānui e ka whakamōhio ia rihīti hou o moni, ka puta ke te pūkete te. Pūtea e ia iriti i te wahi utua riro te kāri ki te tomo i te "Pension Terminal" i te tahua, te ihirangi ratonga. Ko te take onge i roto i i nga tohutohu i roto i te āhua i te mahi o te "whakaaetanga" arotake kiritaki NPF tenei.

Ko te tirohanga i te roto. Mahi NPF "Whakaae"

Mahi i roto i tetahi kamupene nui te kaha e whai wāhi i roto i te hoko o ngā hua ki te taupori, kei te matua hāngai ana ki te pai, me te hua i roto i te maha o kiritaki hou. moni penihana Private - he kahore okotahi.

I te Internet, i roto i te tua ki kerēme o pūtea tangohia noatia, kia whakatau hoki kaimahi mua o kōrero NPF "Whakaae". Urupare i ngā kaimahi i runga i ngā mahi i te kamupene o hāngai ki te whakaaro o te kiritaki - he kaupapa tino o attraction, te hua i roto i te maha o pīsopé me NGO i tetahi tikanga o hoko kaupapa here inihua (tae atu i te tikanga o te tinihanga), te tupuraa herekore o te ngā taumata. E ai ki nga kōrero o ngā kaiwhakahaere me kairīanga, i tau'a ki nga mea katoa anake te hoahoa o ngā hua hou te whakahaere kamupene. No raruraru hauora ranei huru utuafare le'ei i tūkunga i te take o te tupuraa-kore o hoko mo te NPF "Whakaae".

He loto āpiha Reviews: mahi i roto i te kamupene i takoki, tono ahotea, whakapehapeha, ko te kaha ki te whakatairanga i te mahi a tae noa ki te hunga kiritaki kihai i nei hiahia i roto i tona hoahoa, me te tika kī tenei. I tua atu ki te huru ā kino - takaroa tamau i roto i te utu me te mōhio hoki te mutunga o kirimana, te ngaro o taurangi, me te tautoko i te ārahitanga, whakaahunga morare ki tona mahi.

Kahu Punch, pehea NPF "whakaaetanga" ranei rere kiritaki whakawhānui

Mai 2010 (ki te tīmatanga o hoko kaha o ngā hua hou, me te mau ohipa o āpiha ki te mahi i te mahere nui ki te whakatairanga kaupapa here rīanga) me ki te kōrero nei puta peto i runga i te Ipurangi, i whānako takoha kaiwhakahaere ki te whakawhiti takoha penihana o nga karere, me te NGO "whakaaetanga" (NPF) . Reviews o iwi i tinihanga e pā ana ki te kamupene te au maite i fafauhia ki kiritaki ki te ahua mīharo faahiti tahi i te tahi, me te whai i te tae rawa kino.

Mai te ara tika ki te kukume i te maha e hiahiatia o kiritaki e e rite ki te kia whakawhitia ki te kamupene ke ki te kaupapa here puatakore kihai i mahi, kua whakawhanakehia te āpiha tino kaha te mahere motuhake e ko he angitu arumoni nui mo te kamupene, engari ko te tinihanga ëtahi mō kaiuru hou i roto i te hōtaka. Ko te whakaaro ko e whai ake: āpiha inihua i raro i te guise o nga kaimahi Pension Fund mahi tatau-karo, akina nga rangatira ki te puta i te kāri motuhake ki te tomo i te "toku Account" RF Pension Fund. E ai ki te kōrero, kua "haere" tenei hoki te pae herea i roto i te tari FIU ki te tiki i nga kiritaki katoa, a ka hoki te wa roa, engari mo etahi take kihai i mahia e te reira. I muri e ki te kiritaki haina i te mōkihi o ngā tuhinga whakaratohia, ki te whakapae te whakau i te issuance o tenei kāri, me ngā kaimahi turanga tamata ki ulu atu kirimana i te whakararuraru tino fiemālie ranei mo te kau, i te investor i a ia kahore faingamālie ki te ako i te reira. Haere waitohu e hiahiatia ana koutou, rapua rite wawe tonu fakafofonga ki mawhiti.

Ka rite ki te putanga - he kape o te kirimana (me e kore te reira whakaputaina ki kiritaki katoa) ki te Fund, e kore te tau waea o nāianei o te kaimahi, he tikanga o te tinihanga, me te oto, me kōrero kino i runga i nga mahi o te kamupene "whakaaetanga" (kōrero i runga i Ngā Huinga me tukutuku i runga i ngā penihana o tangata Russian).

Ko tētahi atu kōrero - lzhetrudoustroystvo

I tua atu ki te kōrero o pūtea tangohia noatia e pā ana ki te āhua o ratou paheke whakaae ki te neke tika ki te NPF ratou fare, e whakarato ana te Internet he rota o kōrero i runga i te tumu parau o te pūrere tutuki ki te mahi, no te i te fariiraa o ngā tuhinga e hiahiatia ana ki te neke ki NPF "Whakaae". He loto arotake Customer: te mai mahana, te faaineineraa whakahaere o ngā tuhinga, ki te whakapae whakamatautau mahi, te fafau mai "maunga koura". Na hei utu o tenei katoa - he tauākī o te whakawhitinga hōtaka Ops ki te pūtea penihana.

I roto i te mau parau te tahi atu, te reira te kaupapa tinihanga hou, e hāngai ana nei i runga i te hiahia o ngā kaimahi pea ki te whiriwhiri i te kōwhiringa e tika ana mo ratou (pera i roto i te pānuitanga tika tohu anake nga tikanga pai o te mahi). Ka rite ki te tikanga, kiritaki feaa e pā ana te tika o tona mahi puta tata tonu i muri i mahue i te tari, ka i roto i nga ringa o te kawenata kiki kei a NPF "Whakaae". E na rite ki tetahi ki tetahi, i te mea kahore feaa e pā ana ki te meka e kore i te reira noa te ohipa taratahi, a ka ki te whakawhanake i tētahi rautaki ki te kukume depositors hou, e kore e ara ake arotake.

Ka rite ki riro āpiha kape o ngā tuhinga i te kiritaki ki te haere ki te NPF "Whakaae"?

Arotake i te mahi o NPF "whakaae",, kia kitea e koe arotake o te iwi i mahi e tenei moni waho i te käwanatanga e mea katoa ngā ki te meka e i te mutunga o te kirimana ki nga āpiha ka tango pikitia o ngā tuhinga i runga i tou waea pūkoro, rite wawe tonu ki te haina i te kirimana ki te kiritaki hou. Ko, ko te investor anake he meneti torutoru ki matau ki ta kei te tupu, me te mea i roto i tenei wā poto, e kore ia i whai wa ki te feruri i roto i te mea tohu, wahi utua o takoha heke mai whakawhitia hāparapara ki te tari o NPF, a i muri i te kiritaki te haamauraa (e kiia nei ko SMS-waehere o te operator, rite rawa, kahore he matauranga ki te mea kei te tupu) te whakawhiti whakamutunga ki tūmataiti kamupene whakahaere penihana.

Kia pehea te ko te whakawhiti i te FIU i kamupene kore-kāwanatanga "Whakaae"?

I muri haina nga tuhinga, te whakau i te tikanga o te kirimana i roto i nga karere NPF, nga āwangawanga e pā ana ki runga i te aha wā me pehea ko te whakawhiti whakamutunga ki tetahi atu moni maha wāhi. Hoki kamupene tūmataiti katoa (kamupene whakahaere, moni kāwanatanga-kore, tae atu i te "whakaaetanga" (NPF), arotake o e tohu i te kore o te mōhiotanga o kiritaki e pā ana ki te pehea, ki te whakawhiti i te wahi pūtea o te penihana) te taua ture, me te tikanga o te whakawhiti o te penihana: i muri i te tuku i te whakaaetanga i hainatia kiritaki, me kape o ana tuhinga mo te torutoru nga ra i te aroaro o te hōtaka kia karanga Ops kaiuru te operator me ui mo te haamauraa o te hiahia ki te huri i te tahua. Ka rite ki ka hiahiatia ano he haamauraa ki te tautuhi i te raraunga tuhinga (SNILS me uruwhenua) me te waehere motuhake e tae mai i roto i te puka o te SMS-karere i muri i tomo i te mōhiohio e pā ana ki te kaiwhakahaere kiritaki hou.

Te kore te haamauraa whaiaro ranei i te take o te kore ki te whakarato i te mōhiohio e tika ana ki te wahi utua o penihana ka noho he kaimahi i roto i te tahua o mua. mōhiohio Heoi, whakaputaina te Internet i runga i ngā take o te nekehanga ta'ehanotatau ki tetahi atu NPF kahore titauraa ki whakamōhio e (ki te kore te kiritaki e whakaae) ko te takahi i runga i te wahi o te penihana, a taea te kite i rite tinihanga. Te neke i roto i tenei ara e taea te kawea i roto i anake i roto i te take o te tau o ngā raraunga kiritaki me āpiha inihua tinihanga, tuhu ki he tau waea ki ai kia haere mai whakamōhiotanga, tou kāri Sim, ranei tetahi atu ruma e wātea ana (mārama e kore e no ki te taonga,).

Waho i te käwanatanga pütea "whakaaetanga": whakamutunga

Kiritaki e he kau fakafofonga inihua tahae takoha ki te whakawhiti ratou initareti e penihana i moni tetahi ki tetahi, i muri i te ite te mea i tupu hiahia tonu i roto i ngā pātai e pā ana ki te pehea, ki te tiki i roto o te NPF "whakaae" ko ki te whakamutu i te kirimana i runga i te whakawhitinga i roto i te NPF.

I mua i mataku koe, ka maka i te tōraro ki te kaimahi huaina e-pokapū, kua ki te kia tino i roto i nei moni penihana e inaianei i roto i tona whakaeminga te investor. Ki te mahi i tenei, karanga te takoha noa hotline FIU ka arataki i te kōrero o ngā tuhinga (uruwhenua, me SNILS). Tikanga, ka taea te whakatinana te translation i roto i te NPF i muri anake haamauraa i te kaiuru o te hōtaka, e kia kia huaina te waehere o te SMS-karere, me te kōrero e hāngai ana (me te haunga o nga take i runga ake-whakahuatia o te tinihanga i runga i te wahi o kaimahi NPF). Ki te mea kua kua riro kahore whakamōhiotanga ki te waea o te kiritaki, ranei ka he karanga i te mātanga, kihai ia ki te neke, te wahi Whakaemiemi o utu penihana i mua nei e noho i roto i te tahua o mua.

Ki te tonu i te kiritaki wā ki te whakaū i te whakawhiti, ka kia whakawhitia ona takoha ki te kamupene whakahaere ki te taha ki 1 o te tau i muri mai, a ki te aroaro o te mutunga o te wā wa ka kawea i roto i tango ki pūkete te indexation o te moni o te kamupene o nāianei. Fakatatau ki ai, i muri i whakaū, i roto i te take o te hiahia ki te neke ki te pūtea hou, he mea e tika ana ki te tono ki te Tari o te RPF, ki te hoki iriti ratou penapena i roto i te tono e hāngai ana. Heoi, kia whanau ai i roto i te ngakau e i te timatanga o te hauwhā 1 o te tau i muri mai, te parau, i haere mai mua, a ka manakohia. Nä, i reira te mea he tūpono ki te haere ki tetahi atu kamupene, ki te tonoa te tono i roto i te wā. I tua atu, i raro i te ture o nga tangata Russian Federation i te tika ki te huri i te pūtea penihana kore te mea neke atu i te 1 te wā ia tau.

Na e hiahia ana koe ki te whatiia atu whanaunga katoa ki NPF "Whakaae"? Me pēhea te ki te whakamutu i te kirimana, ka wero i te reira i te mōhiohio e whai ake nei: Ka taea e hanga e koe te hoki o te wahi utua (raro ki te wā tata o te mau herehere ana) mā te kōrero ki te paetukutuku e pā ana o te kamupene. Heoi, i roto i kore te hononga ki te whakakorenga o te whārangi moni raihana i runga i te tukutuku whakahoutia, aua, e kore te mea e hāngai ana te tukanga o te whakawhitinga ki te rā.

NPF "whakaaetanga": rite "hinga" kamupene pai

Hiahia ki te tiki i te hua pai i roto i to ratou penihana, i te taupori mahi, i te mea kaha hiahia i roto i te āhua o ratou aamu i roto i te Pūtea penihana, tamata ki te whakapiki ake i utu kāwanatanga heke mai mai 2006. Ko te whakawhiti ki te NPF mō kiritaki maha he anake te ara ki te tiki hua tika, me te e kore e whakawhāiti ake i roto i utu pūtea i roto i te tau tawhito.

NPF "whakaaetanga" i roto i te tīmatanga o tona mahi te matua matua o te utu kiritaki me te ratonga kounga taurangi hoki teitei hoatu. Ko e mo'oni, kihai i taea e taua indexation (i runga i te 30% te tau) whakamanamana o tetahi moni penihana. Heoi, ka rite ki te hua o te hiahia ki te riro nui atu i ratou hoatu, patua te "tika" ara o te whanaketanga me te arahina ki te meka i timata kirimana mo te translation o faatuhaaraa ki te faaoti i roto i te rahinga nui. tupu te pai o te kamupene, tupu te maha o ngā kaiuru ē, engari torutoru kua hanga te whakawhiti ki te NPF i runga i to ratou ake.

Pöuri, hōhā me te tautohe i waho ki te mau parau tumu tinihanga o āpiha arahina ki te meka i nui haere te taupū o te whakaahunga kiritaki papû, a ka puta te hua i runga i te pae kōrero atu tautoko. tonu Reviews o kiritaki tangohia noatia i runga i te whatunga ki puta, a inaianei, pera i te mahi o te pütea he whānui. Ko wai te mea ki te kupu i roto i tenei āhuatanga?

Tuatahi, ki te faaoti kirimana i roto i ngā tau nui, ahakoa te hiahia o ngā kiritaki, āpiha rīanga titau whakahaere te hoko e, i roto i to ratou tirohanga, ngā whāinga hao, hihiri kaimahi moni me mōhio atu. Otiia i roto i te mahi ka tahuri reira i roto i te ritenga - āpiha i te tinihanga e tona maro ake, e kua toutou tukua roa pūtea moni, me te kore he kia utu.

Tuarua, he whakataetae nui i roto i te mākete penihana maha arata'i ki te meka e kua takoha moni tūmataiti ki te mahi i runga i te parau tumu o "Ka ora kaha", pera ki te noho haumaru, vēkeveke ki te hopu ana tāwhai, te mutunga o ngā hōtaka penihana rangatōpū whakahaere katoa ranei whakahere tikanga tino mīharo ( tukua faahiahia atu takoha e tika ana ki te u, mahi).

Mahi taupori, e kore e tau'a ki o ratou takoha haumaru pāpori heke mai te whakarau e, i teie nei e hiahia ana koe ki te kia tino e te mea e waiho te kamupene i roto i te tūranga. A ka kōwhiri i te moni, kia kia utua tokanga makehe ki te wheako u, whakahaweatia ra te pono, arotake kiritaki me ratou tau katoa. Ehara i tika kia he "momo puku", wehi ki te noho i waho te penihana i roto i te heke mai - te kāwanatanga whakapūmau i te aromatawai haumaru e te pūnaha haumaru, me he nui raro atu i te NPF te tere o hoki i te FIU.

Otiia e kore e hi'a ki tinihanga scam, e faifai ka āpiha NPF "whakaae", ka haina tuhinga i roto i te hohoro, kahore ako ranei i roto i te take o te feaa i roto i te haavare ore o te kaiwhakahaere. Te rironga o te huamoni, me te haere ana i te mekameka o te whakahau - e kore te ahuareka tino, ka tono koe, ui ki ngā āhuatanga me ngā āhuatanga o te-kāwanatanga kore Fund katoa, e kore e waiho uaua, me te kore e tango i nui te wā.