NPF "Fund European penshioni" (AO) mabungwe ubwino. Penshioni thumba "European" (NPF): maganizo a makasitomala ndi antchito

NPF "European" - mmodzi wa atsogoleri mu msika chuma cha Russian Federation, amene makasitomala ndi anthu mamiliyoni 1.8 anakhala. Tikamachita zinthu pa mapeto a mapangano Ops ndi NGOs pa Russian nzika inshuwalansi zaka 22, "European Fund penshioni" (NPF, AO) amakambirana ntchito ya wothandizila ndi kupereka zopereka penshioni asamabisanso - the web pali makasitomala onse okhutitsidwa ndi kunyengedwa ndalama.

Kuchokera Polipilira - pa NPF

Poyamba thumba ankadzitchula kuti "ndalama penshioni" ndi yokha anapereka ntchito penshioni. Popeza 2012, mankhwala mzere wa NPF "European" amatilola kupereka makasitomala utumiki wa inshuwalansi ndi ndalama kwa zokonda zonse: kwa mapeto a muyezo Mapangano Ops zolinga munthu ndi kampani penshioni, kuphatikizapo kufunsira penshioni, kukhazikitsa umayi likulu, co-ndalama penshoni. ofesi mutu ili mu Moscow ofesi, koma madera a kampani analanda ndi m'madera enanso. Ndemanga za "Fund penshioni European" NPF pa Intaneti sizachilendo - kuchokera bungwe apadera kwambiri, kulandira ntchito kwa anthu ogwira ntchito makampani ndi zitsulo, izo zakhala kampani widebody inshuwalansi, kutumikira monga mgwirizano munthu ndi chikhalidwe ogwirizana a ntchito.

abwenzi Fund

makampani Ofunika kugwilizana ndi Foundation "European NPF" (ndemanga zochita zawo zimadziwika padziko lonse), ndi:

• Banks 'lotseguka' ndi 'nyemba Bank "(" Apeza "imapereka chifukwa panopa kwa Ops-Mapangano," Nyemba Bank "- Kupuma pantchito (NGOs))" City Bank "," Bank European kwa kumanganso ndiponso Bank Development "," Kubadwa Kwatsopano Capital Bank "," Mawu Europe Bank ".
• abwenzi Western: Morgan Stanley (American malonda banki, zomwe ndi mbali ya likhale lalikulu), Deutsche Bank - German banki, lalikulu wothandizila lonse.
• atsogoleri Russian zokhomakhoma makampani - Chelyabinsk Ural ndipo 2 chubu anagubuduza Bzalani.

Eni NPF "European"

Ambiri mwa magawo kampani akuti - 30%, mu 2012 linakhala cholowa cha "Bank European kwa kumanganso ndiponso Development "(EBRD). Komabe, ntchito banki a satanthauza kuti kugula 1/3 yekha wa APF chuma, ndipo pambuyo ndikupeleka, pamodzi ndi Chelyabinsk chitoliro anagubuduza Bzalani dongosolo ndalama anagula 25%.

Choncho, kampani anayamba kugwira ambiri a katundu wa ndalama (55%), amene pa dzanja limodzi, kukhala kugwirizana mu chilengedwe mkati (pamene eni anasintha akutiakuti, iwo kubweretsa pamodzi ndodo latsopano ndi otsatira, aliyense amene akufuna kutsogolera ntchito "Inde ake"), ndi pa zina - anawononga mpikisano wa makampani ena ndi wokongola bungwe la ndalama loterolo.

Komabe, izi si bwanji mayankho a anthu amene anasamutsidwa kuti NPF "European" - ambiri, makasitomala kuunikira ntchito za bungwe lalamulo ngati mvula yamkuntho kukula, koma mkwiyo anafuulira za momwe angalowere mu mapangano a makampani a inshuwalansi amene sali owopa kubwerera kunyumba ndalama kuthekera ndi mawonekedwe wosatsutsika kufunsa kusankha kampani yawo monga kopita kwa kulanda penshioni kudzikundikira chuma.

Muyezo wa penshioni payekha "European" Maziko "Katswiri RA"

Ngati kampani imene zimayesetsa kugulitsa malonda chuma ndi inshuwalansi Russian anthu, saopa nawo masanjidwe wa palokha Katswiri bungwe, ndi zotsatira zabwino pa nkhaniyi mu timu, ndi ndemanga za NPF.

"The thumba European penshioni" - chitsanzo chidwi kwambiri pa Makampani kuti nawo masanjidwe. kampani akuti mabungwe zitatu: "Katswiri RA", "palokha bungwe mlingo" ndi kampani RusRating.

"Katswiri RA" kwa mabanki ndi ndalama payekha penshioni ali phindu mofanana atolankhani: pakuti monga awa "oweruza" wa ntchito zachuma ndi inshuwalansi musamvere yekha kuti mabungwe amenewa kuti sindikufuna kuti khola kasitomala otaya, ndipo zilibe njira lingathe inshuwalansi akuda adzasankha tsogolo lawo. 2015 analola kampani kulandira kalasi apamwamba bata ndi mphamvu zachuma ndi inshuwalansi ntchito - A ++. Makampani kuti tipeze zigoli ngati mkulu, tikuziona wokongola kwa anthu - monga tsopano makasitomala ambiri powasamalira maganizo a m'mbuyomu anthu inshuwaransi amachoka masamba pa Intaneti.

Pezani mphambu apamwamba, "European NPF" ndemanga zochita zawo nditembenukire mu bwino malangizo ndalama - the web analibe madandaulo kuchokela ku inshuwaransi chakuti makasitomala adakayika mtendere wa kampani kapena sankadziwa kuti kudzikundikira awo zopereka ndi abwana ake ali m'manja.

Muyezo wa "Republic Independent la Armenia" - ziwerengero zofunika kwa onse NPF

Ndipo ngakhale mtendere wa Fund si chikaiko, ngakhale ofufuza ngati otchuka monga "Katswiri RA" timu "palokha mlingo bungwe" ngoziyo kampani pang'ono wodzichepetsa ndipo apatsidwa thumba okha 15 wofunika pakati NPF Russia mu 2015 kuti, Komabe, linkawakhudza pang'ono pa chilengedwe cha chitsanzo wamba bungwe ( "NPF European" ndemanga zokhudzana ndi zinthu ndalama msika, yapindula yekha zabwino, ndipo kutsimikiziridwa kanjedza Mwachitsanzo, 3,42% ya gawo okwana umwini ku msika ndi TH 11 ndi buku la ndalama akapuma anthu inshuwaransi).

RusRating - katswiri makampani Russian ndi mayiko ndalama

Ntchito anali imawunikidwa NPF ndi ena otchuka mawunikidwe bungwe - RusRating. kampani kupereka kampani pa dziko "m'bwalomo" khola ndi mphamvu zokolola - AA. Koma ntchito mayiko wa munthu malamulo ndi osauka - mu 2015 anapeza modzichepetsa - BBB, chimene chimatanthauza kukhala m'gulu wamng'ono, amene sakhoza zimatsimikizira 100% kupambana m'munda lonse la mankhwala inshuwalansi penshioni.

Koma Internet a NPF "thumba European penshioni" ndemanga kasitomala ochokera m'mayiko ena samapeza - ichi ndi chifukwa osachepera pamsika (osakwana 0.01%) ndi chiwerengero cha anthu inshuwaransi, amene okwana musalumphe anthu 2 zikwi ..

Ndipo lamulo la kampani makamaka umalimbana kukopa makasitomala zoweta - mtsinje zosiyanasiyana ndi yaing'ono, koma wake wothandizila nzika inshuwalansi zosavuta kuti auze ubwino waukulu kusintha mu NPF ndi kunena mgwirizano, popanda kuyembekezera chilolezo maloya kapena kuchotsa mfundo zina zabwino malamulo.

N'chifukwa chake gawo lalikulu la pensioners tsogolo ndi olandira phindu amene asiya "European" ndemanga NPF - Russia (99.98%).

ntchito ndalama za bungwe lalamulo JSC NPF "European PF"

ntchito za NPF "European" ndemanga makasitomala pa intaneti kupeza sikovuta - ndi mmodzi wa atsogoleri msika ndipo mwachangu kusainira Ops ndi NGOs anavomera osati owerengeka anthu inshuwaransi (mwachitsanzo, monga achitira akulimbana ndalama mseri zinthu zimene amafuna antchito awo kuti khamu pamaziko a zaufulu mokakamizidwa kutengerapo ndalama kwa oimbira kapena contributory thumba), ndipo ndi gawo chachikulu makasitomala - kusamutsa zopereka penshioni nzika zonse Russia.

Chiwerengero cha zimenezi, ntchito ndi kuchuluka chifukwa cha ntchito yolongosoka a makampani a inshuwalansi, ndi mbali yaikulu pa ntchito NPF.

Mu 2015, a penshioni accrued ndi omwe si a boma, analandira zoposa 2.368 makasitomala kuti zinasaina pangano la mokakamizidwa inshuwalansi penshioni, ndipo anthu 1921 makonzedwe sanali boma. Kuchuluka okwana ndalama, amene umalimbana kuonetsetsa ntchito zawo kuti anthu inshuwaransi, anakwana pa mapeto a nthawi yapita 49 319.04 zikwi rubles Ops ndi 15 586.29 zikwi rubles - .. Pakuti NGOs. Ichi ndi chizindikiro chabwino ndi amakhudza inshuwaransi ndi nkhani makasitomala odalirika, ndi chakuti ndalama kale anamaliza ndi mgwirizano pa kukhazikitsa mukukwaniritsa ndi "European" (NPF) Review Only khalidwe positive.

Bwino ndalama bungwe lalamulo "European PF" pa mapangano a anthu inshuwaransi, amene anasamutsidwa mbali accumulative wa penshioni, ndi olimba wakhala zonse mkulu mu 2015 ndi chiwongola dzanja wafika 13,63%. Makonzedwe sanali boma la profitability mu thumba "European" anakwana 15,64%.

Malinga ndi kafukufuku ku makampani renkingovyh, kupenda gawo la ndalama thumba, pa 2010-2015. kuchuluka kwa zopereka penshioni inshuwaransi mabungwe a zachuma bungwe chinawonjezeka ndi 101,4%.

Feedback anthu amene amadziwa chimene iye akulankhula. Kodi ogwira ntchito ndalama zogulira gulu lako?

Ngakhale kuti maganizo pa zochitika za gulu lirilonse kuti ntchito kwa anthu, cholinga likhoza kupanga makasitomala Pamene ntchito lokha bungwe lalamulo, pa kusankha nzika NPF ambiri potembenukiranso awo kwa ndemanga okha ogwira ntchito. Ichi ndi chifukwa chakuti ndi kusamala kuti bungwe mkati mwa kulimbikitsa secures m'mlengalenga kulandiridwa mu timu, ndipo nawonso amakhudza njira kuti makampani a inshuwalansi ndikufuna kulimbikitsa chitukuko cha kampani, ndi kukhala kumufotokozera ukadaulo pulani ya Ops ndi mapangano ndi NGO .

Ntchito NPF "European", ndemanga amene anayikidwa pa Intaneti si wosiyana kwambiri kuchokera ntchito za wothandizila mu makampani ena omwe si boma - ndipo apa ndi apo udindo wa insurer chikuphatikizapo Kukwezeleza yogwira mankhwala penshioni, komanso makasitomala uphungu amene kale anasamutsa penshioni awo kudzikundikira mu bungwe. Nthawi zambiri amakakamizidwa kuti zopatuka iliyonse nyumba, monga lilinkudza kasitomala otaya si nthawi zonse kupezera ntchito 100% wa ntchito malonda.

About NPF "European" ndemanga ya ndodo omwe asamukira ku kampani ina, unflattering - ena amadandaula za kuchedwa malipiro, winayo - moto zinthu pa mbali ya maulamuliro, safuna kumvetsera kulungamitsa inshuwalansi akuda, amene analephera kukopa makasitomala atsopano. Koma zimenezi sizikutanthauza kuti mlengalenga mkati mwa gulu, "wopunduka" - ambiri a anthu ogwira ntchito wokhutitsidwa ndi panopa malo awo ntchito. Kuchita ntchito ntchito mwakhama kulikonse, ngati mabanki kapena mabungwe ena azachuma, ndipo ntchito pa ofesi malo omasuka angakwanitse aliyense kampani.

NPF "thumba European penshioni" ndodo ndemanga kuti akudandaula za si kukwaniritsidwa dongosolo amaganizira pokhapokha ngati zotuluka pa chiweruzo. Komabe, palibe mmodzi wa iwo amadzinenera kuti 100%, amene ali malo oipa kwambiri a ntchito - kampani adalenga zinthu malonda yogwira, amachititsa trainings ndi kuphunzitsa atsopano, asintha, ndipo ndi wokonzeka kuthandiza anthu amene ali okhoza kuti azigula inshuwalansi. Koma mosiyana ndi mabanki ndi microfinance onse NPF n'zovuta kukwaniritsa kuwonjezeka mphamvu osati yowala structuring ogwira - kwambiri a boma ali wotanganidwa mavenda chifukwa malo utsogoleri kuimira osachepera 5% ya gulu lonse.

Iwo amene akuona tsogolo lawo mu bungwe inshuwalansi kapena APF ayenera kukhala okonzeka kuonetsetsa kuti wogulitsa popanda luso kupita patsogolo m'mwamba ndi chodziwikiratu kuti apambane.

Kasitomala ndemanga za ntchito ya "European"

kampani A monga "Fund European penshioni" (NPF, AO) ndemanga pa intaneti za ntchito yake osati kubisala - mfundo zazinsinsi kubanki ndi malonda penshioni sanachitepo aluso. Tikawonetsetsa inshuwalansi kuthekera ndi chidwi kwambiri ndi mmene kutenga kuzindikira pazipita wa bungwe lalamulo, amene iwo amaona kopita kusamutsa ndalama zawo.

Koma si nthawi zonse wathunthu omasukirana ndi muyeso wa ntchito yabwino. Koma ntchito za thumba, komanso mabungwe ambiri omwe si a boma, inshuwalansi, tsoka, si kupeza thandizo oposa 20% makasitomala. Iwo kusiya mfundo unflattering, makamaka chakuti "European Foundation" (NPF) kasitomala ndemanga, pofuna kupeza khadi la kupeza nkhani zawo, chabe kunyalanyaza. Nkhani imeneyi dandaulo chinsinsi pakati ndemanga zina za anthu inshuwaransi, amene anasiya pa Intaneti.

The chachiwiri wotchuka item kuti si zigwirizane makasitomala ndi wothandizila munthu ulendo. Njira imeneyi kugulitsa inshuwalansi malonda otchuka kwambiri ndi mu ndalama si onse amene, mosiyana ndi mabanki, si ima pamzere wa mazana a ogula chidwi kulanda ndalama kwa abwana ake. M'malo mwake, wothandizila okha anakakamizika kuyang'ana wogula ntchito zapansi ndi mapulogalamu awo, koma mosiyana yanji kucheza, amene makasitomala msanga anakachezera - njira yabwino kwambiri kugulitsa Ops ndi NGOs.

NPF "thumba European penshioni" ndemanga makasitomala pa nthawi ya chakuti mankhwala inshuwalansi amaganizira, koma makampani a inshuwalansi ndiye ayenera kukwaniritsa zofunika kuyeza kwambiri.

Mwa ubwino - kudya mwayi kudzera khadi munthu wogula, kuganizira mfundo Loona za utumiki yake woyenerera thandizo thandizo desiki.

Kodi n'chiyani chidzachitikire NPF "European"?

Ngakhale kuti intaneti za zochita za kampani ndemanga "European thumba penshioni" kasitomala mogwirizana, kampani umagwirira ntchito msika ndi bwino kuonekera, ndipo akupitiriza kukhala zochitika zawo pa mapeto mapangano Ops ndi NGOs.

About chakuti mavuto azachuma chikanakhala chakupha iye kuti asadandaule - ndi chuma "khushoni" adzalola chilli kuti akwaniritse udindo wake, ndi Kuwonjezeka kwa makasitomala kukopa kwambiri ndalama kampani.