Gawo inshuwalansi mu Russia ndi zochititsa

Nthawi zambiri timamva zamalonda akuti: "madipoziti ndi inshuwaransi." Koma si wina aliyense wa ife amamvetsa mutu ndi mfundo zake za msika Russian. Kupereka mwakhama amazipeza kubanki, muyenera kudziwa zimene mungayembekezere mu chochitika cha imfa ya laisensi yawo (bankirapuse), komanso momwe mungapewere zomvetsa awo. Zikatero, pali dongosolo gawo inshuwalansi (zonyoza), chimene chiri limagwirira kuteteza zofuna ndi mwalamulo anthu chokhudza anaika ndalama madipoziti banki. Tiyeni tibwerere ku nthawi ndi kuphunzira mmene dongosolo anaonekera.

nkhani

Kwa nthawi yoyamba inshuwalansi ya madipoziti anaonekera mu 1933 mu United States. Chifukwa cha mavuto azachuma CERs 30s. The pazipita kuchuluka inshuwalansi malipilo anakwana $ 5,000. M'kupita kwa nthawi, malire kuchuluka kwa 100 zikwi, ndipo mu 2008 anafika lamba mu $ 250 zikwi. Gawo inshuwalansi ndi kuvomerezedwa m'mayiko onse membala wa bungwe la European Union. Ambiri, CER ake ndi mayiko oposa 100.

Gawo inshuwalansi mu Russia

Kodi pali CERs latsopano la Russia? Molimba kulengeza kuti, inde. panali lamulo lolingana, ndipo patatha chaka anatsegula ofuna, ntchito yaikulu imene mu 2003 - kupereka mulingo woyenera ntchito inshuwalansi. Iwo amakhala ndi mayina a mabanki mayina dongosolo, malipilo adzakhala sonyezani, imapanga thumba inshuwalansi ndi zina zotero. D. banki aliyense kugwira ntchito mu gawo la Chitaganya cha Russia ndi kulandira miyala ya anthu zochitika pa CER. Ndipo ndithu. Ngati tikambirana inshuwalansi gawo mu 2013, chiwerengero cha mabanki kupereka msonkhano uno 891 (malinga ndi kaundula wa CERs).

Kodi si anaphimba CERs?

- Pakuti madipoziti nthambi kunja m'dera la Chitaganya cha Russia.

- Pa chifukwa ntchito pochita malonda.

- Ndalama zoperekedwa mtumiki wa.

- Nkhani notaries, maloya, etc., lotseguka zolinga akatswiri ..

- E-ndalama.

- Zitsulo nkhani.

Mtengo wa inshuwalansi chipukuta misozi

Ngati zinthu inshuwalansi inkachitika, ndalama akamutengere ndalama zonse padera (koma osati 700 zikwi rubles). Monetary chopereka recalculated mu rubles pa mlingo wa Bank chapakati pa tsiku la yatsoka za moyo inshuwalansi. Ngati Investor anali nkhani banki oposa mmodzi, ndiye malipilo adzakhala masamu kuchuluka okwana, koma osati kuposa chinachake. Payokha ndikufuna kunena za inshuwalansi gawo mu mabungwe. Ndiye tinene kuti munthu ali ndi nkhani mu 2 mabanki osiyana. Kodi chiphaso cha inshuwalansi kupatsidwa chipukuta misozi mmodzi wa iwo zimakhudza kuchuluka inshuwalansi malipilo mu zina? Kumene ayi. Pa mayesero onsewa, kudzakhala nkhani osiyana. Zodabwitsa ndizakuti, m'chaka cha 2013, boma la Russia waloledwa ovomerezedwa ndi zopereka inshuwalansi a ku 1 mln. Rubles. Ndiko kuti, kupitiriza malire anawonjezera 300 zikwi.

malipiro analandira

Pakuti Investor malipiro (kapena woyimira wake ndi ulamuliro) ayenera kugwiritsa ntchito ku banki wothandizila kapena bungwe zogwirizana ndi udindo kupereka ngongole, ndi kulemba mawu. akuti wake wa yobereka akuyamba ndi nthawi yatsoka za moyo inshuwalansi zimatha mpaka mapeto a dongosolo la kulephera banki.