NPF Sberbank: ndemanga. NPF Sberbank: profitability

Penshioni - osati wapadera wa RPF, komanso ambiri mabungwe omwe si a boma zogwirizana mbiri. Mmodzi wa anthu otchuka kwambiri - NPF ndalama Bank. Khalidwe ntchito ya thumba payekha penshioni? kunena ndemanga kasitomala chiyani? ndi malo a thumba mu masanjidwe chiyani?

ndi thumba penshioni Kodi

Tisanaone sanali boma penshioni thumba la Bank ndalama, zidzakhala zothandiza kunyamula yaing'ono ongolankhula MPATUKO ku nkhani zikuluzikulu za nkhani imeneyi. Kodi mtundu wa bungwe - ndi NPF? Private penshioni ndalama - zimene limatchula za ntchito yawo ndi cholinga cha bungwe la?

The SPC poyamba anaonekera mu 90s, koma kwa nthawi yaitali sanalandire yogawa lonse. Izi ndi zina kuti boma bungwe - Fund penshioni Russian, omwe anakhala m'malo malamulo a dongosolo zofanana, omwe amagwira ntchito mu USSR. Chilengedwe cha ndalama wamba malinga, malinga ndi akatswiri, chilakolako cha boma kuchepetsa katundu zachuma. Kodi?

Mfundo yakuti zambiri pankhani ya penshioni ya boma kuti nzika, zochokera limatchula za panopa chitetezo chikhalidwe latsopano la Russia, ndi chifukwa mapangidwe mbali zolipirira la malipiro. M'munsi ndi mbali ya kudzipereka ndi ochepa - boma ake kwakukulukulu Zimatero.

Private ndalama penshioni, kuwonjezera, nthawi zambiri, kupereka mlingo wapamwamba malipirowo lopeza ndi chifukwa njira ya pakuika zosiyanasiyana katundu nawo kugula ndi kugulitsa masheya ndi mitundu ina ntchito yovomerezeka malonda. Monga ulamuliro, penshioni ndalama Mwaichi kugwirizana ndi makampani kasamalidwe, amene ali woyang'anira mtundu uwu njira ndalama.

nkhokwe ndalama penshioni ndi mokwanira kutetezedwa ndi lamulo. Komanso, mfundo yopemphera kwa ntchito za NPF tsopano okhwima ndithu, ndi chifukwa msika sitingapeze kusiya kampani, amene ali chiopsezo bankirapuse. Tsopano mu Russia pali angapo lalikulu NPF. Pakati pawo - sanali boma thumba penshioni ya Bank ndalama. ndi limatchula za ntchito yake ndi chiyani? Kodi chachikulu ndi zokolola za APF kwa Bank ndalama mu 2013 ndipo chikuyembekezeka mu 2014?

mwachidule

Tiyeni kuphunzira zambiri pa thumba otchulidwa. Woyambitsa wa NPF - Sberbank la Russia, yaikulu bungwe chuma m'dziko lathu. Maziko analengedwa mu 1995, zaka 3 chitulutsireni wa Watsimikiza mutsogoleli wa boma latsopano la Russia, omwe anakhala malamulo woyamba malamulo lolamulira ntchito kampani.

thumba Izi penshioni zili m'gulu la zogwirizana Association dziko. Malinga ndi mabungwe ambiri mawunikidwe, mlingo NPF ndalama Bank - mmodzi wa apamwamba mu osiyanasiyana zochita za ndalama si boma penshioni. Malinga ndi limodzi la mabungwe waukulu amapanga Ziwerengero lolingana, ndi thumba la pazipita odalirika. Makamaka, malo amenewa akutengedwa ndi akatswiri a National Mavoti Agency, komanso mabungwe monga "Katswiri RA".

NPF ndalama Bank Akuluakulu a ku Russia akunena za mabungwe amene ali m'magulu monga "thumba lotseguka-yotsiriza." Institution amapereka osiyanasiyana machenjerero penshioni ndi mizere ntchito payekha. Makamaka, pangano utumiki kulowa nzika (mkati inshuwalansi oumiriza ndi kupereka chifukwa chotenga mbali mu ndondomeko co-ndalama) ndi mabungwe alamulo. Kutheka womaliza Mapangano zinthu payekha imene analemba pantchito dongosolo mwakukonda, zoyenerera malamulo muyezo.

NPF akulankhula ndalama Bank angapezeke mu pafupifupi dera lililonse la Russia. thumba penshioni - mmodzi wa anthu otchuka kwambiri la Russia, nthambi zake awa akuimira mu dziko zosiyana. Ntchito yaikulu ya SPF imachitika kudzera ofesi ya kampani kholo, komanso kudzera nkhani ya chuma bungwe maukonde.

kapangidwe kasamalidwe

kasamalidwe apamwamba gulu la dongosolo - Council ndi Foundation. Mu mawu ake Buku nkhani njira ndi kasamalidwe chonse ntchito bungwe. Board Fund amadziwikanso osauka zosiyanasiyana zikalata normative, malinga ndi mapulani nkhokwe kasamalidwe penshioni, amafuna profitability ndi zinthu zina ndalama.

Mu dongosolo la kasamalidwe NPF ndalama Bank ndi pano kafukufuku Komiti. Iwo umayendetsedwa ndi ulamuliro pa ntchito zachuma za bungwe. Amasankhidwa ndi Komiti m'Komiti ya Foundation. Komanso mu kapangidwe ka bungwe ali Board la matrasti. Mu yamtunduwu wake - gulu Ntchito potsatira lamulo. Monga mbali ya bungwe la matrasti pano plenipotentiaries thumba makasitomala.

ziŵalo

Mu April 2014, Fund anali reorganized ndipo analandira watsopano gulu malamulo udindo. Tsopano iye mwalamulo amatchedwa "NPF ndalama". Izi zisanachitike, ndi thumba anali udindo wa "sanali phindu gulu la zotchinjiriza moyo." Maufulu onse ndi udindo NPF, ogwira ntchito mu chimango cha mtundu wakale wa boma, kudali zikutsatiridwa ku bungwe, amene anali kuthamanga ngati kampani olowa katundu.

Phindu likulu ovomerezeka kwa Bank ndalama za NPF ngati kampani - 150 miliyoni rubles. Magawo wokwatibwa ndi woyambitsa wa. Ndiko kuti, Bank ndalama ya Russia. Corporatization la thumba, malinga ndi akatswiri, chifukwa amafuna latsopano malamulo. Malinga ndi iwo, isanafike January 1, 2016 zonse SPC kuti zochita zake akugwira ntchito pa mbiri ya kuvomerezedwa inshuwalansi penshioni, ayenera kusandulika m'magulu olowa katundu. Ngati SPC ukugwirira ntchito, kaphatikizidwe Ops ndi makonzedwe payekha, thumba ayenera kupangidwa, umene ukugwira ntchito mu njira choyamba chokha. Nayenso ndalama penshioni, amene ntchito chikugwirizana ndi makonzedwe sanali boma, omwe ali ndi kampani olowa katundu pamaso January 1, 2019. Ngati ndalama musakhale mwa mtundu yoyenera ndi kutembenuka malire nthawi zolamulidzwazo potsata mwambo, iwo adzatheratu.

regalia

NPF ndalama Bank - gulu nayo nthawi kuti kwambiri za mphoto makampani kuchitila ake. Amene Tingaone mu malo oyamba?

Mu 2013, mwachitsanzo, thumba wakhala kupereka kwa dipuloma yapamwamba ya bungwe "Katswiri RA" (amene amapanga mlingo wa ndalama). Nomination - "Pakuti chitukuko cha payekha Kuphunzira penshioni." Mu chaka chomwecho NPF ndalama Bank analandira mphoto ina. Iyo imatchedwa "Financial osankhika a Russia". Nomination zikumveka ngati "Mphamvu za chitukuko."

Mu 2012, NPF Bank ndalama anali okwana "Katswiri RA". Koma ndiye nomination ndi adawomba mosiyana - "mlingo mkulu wa kukula mu m'munsi kasitomala wa SPC". Mu chaka chomwecho, SPC analandira mphoto "Financial Olympus 2011". Lolingana nomination wakewu "CIMODZI CIMODZI Otsimikiza". Amaitcha kuti mu gulu lapadera, imene inkatchedwa "Mphamvu ndi Mwachangu."

Mu 2011, ndalama Bank NPF komanso analandira madipuloma ku "Katswiri RA". Komanso, mu magawo angapo. The choyamba - "mlingo mkulu wa kukula mu m'munsi kasitomala." The chachiwiri - "Pakuti kusintha kwa zoona."

Mu 2010, umboni ndi kafukufuku angapo magwero, NPF ndalama Bank Bungwe yokhayo yomwe inalipo m'munda wake, amene anali wopambana wa mphoto "Company ya Chaka". Nomination wakewu "Finance". Komanso, m'chaka chomwecho thumba analandira "Finance 2010". Lolingana nomination wakewu "Pakuti njira masomphenya."

Mu 2009, NPF lilinso ndi gulu lokhali munda wake, umene linapereka ndi "Financial Olympus". Nomination wakewu, "Management Kamenyedwe ka thumba penshioni". Mu 2008, Foundation analandira mphoto "The Chiwerengero Guryev" chopereka chake chachikulu kuti chitukuko cha mafakitale mbiri. Mu 2007, NPF wakhala kupereka ndi "Financial Olympus". Nomination wakewu, "Management Kamenyedwe ka thumba penshioni".

ogwiritsa maganizo

Chabwino, regalia NPF Sberbank zokwanira. Koma momwe iwo correlate maganizo kasitomala? Kodi khalidwe chimakhala chogwidwa ndi anatsala iwo makampani Intaneti makonde ndemanga? NPF ndalama Bank - yodalirika, malingana ndi maganizo makasitomala, kapangidwe? An funso osokoneza. Koma ife kuyesera kupereka malangizo yankho zotheka.

Ngati timatenga monga maziko aziona ndemanga NPF ndalama Bank kasitomala mu 2014 kapena zaka zam'mbuyo, magulu awiri a malingaliro akhoza kuwasiyanitsa. The choyamba - ndi ndale-negative. Chachiwiri - positive. Ponena woyamba. Anthu amachita chidwi ndi kupezeka ndi khalidwe la zomangamanga utumiki, amene analengedwa ndi Sberbank. Inu mukhoza kupita ku nthambi iliyonse ya bungwe ziwalo banki ndalama ndi kufunsa mafunso pa za ntchito ya NPF, kuthetsa Kuvuta kuyambika. Komabe, monga mmene ena makasitomala, mlingo wa udindo wa akatswiri ena nthambi kuti mwina kungakhale chifukwa limagwirira mokwanira kuphunzira mogwirizana wa Fund ndi kukhazikitsa dongosolo lake si nthawi zonse mkulu. Ndipo ndi - zina zoipa, zimene zimagwirizana mayankho. NPF ndalama Bank nthawi yomweyo Kutamandidwa manufacturability (kenako ife adzatsegula nuance izi). Onani mkulu khalidwe la malipoti. Mwachitsanzo, kumapeto kwa makasitomala chaka nthawi zonse zolembedwa mwatsatanetsatane zimasonyeza zimene NPF Sberbank zokolola kwa nthawi yeniyeni. Mtundu uwu wa maganizo akhoza wachinsinsi monga mosapita m'mbali positive. Komanso mu gulu ili pali malingaliro zimene zimasonyeza mkulu khalidwe la wothandizira, kufunsira, pomaliza nzika za mgwirizano utumiki penshioni. Ngakhale, monga taonera ndi akatswiri ena, sangathenso chikugwirizana mwachindunji ndi mfundo ntchito ya Bank ndalama.

Za maganizo a anthu ponena za ntchito thumba akhoza kulankhula osati ndemanga kasitomala yekha. NPF ndalama Bank alipo angapo otchedwa "mlingo anthu," analemba ndi ena makonde malonda. Pankhaniyi, monga ulamuliro, mtundu wa utumiki wake woikidwiratu. udindo Specific thumba pa nthawi yomweyo zosiyanasiyana Mabaibulo osiyanasiyana mlingo wa.

mtundu pakompyuta

Ndipotu, tsopano pa mbali kunyezimiritsa zomangamanga panopa. Pamwamba tinaona kuti ntchito ya NPF Sberbank mokwanira technologized - ndipo amatchuka woyamba wa makasitomala onse. Makamaka izo zifika njira Intaneti mogwirizana ndi thumba ndalama. Aliyense kasitomala NPF ndalama "Akaunti Yanga", sipangakhalenso kufika kudzera osatsegula a. Komanso, kugwiritsa ntchito kwa kulembetsa mu dongosolo NPF latsopano makasitomala Mukhozanso kudzera webusaiti ya bungwe. Wokwanira aone chithunzi, pasipoti, SNILS, kenako kukweza iwo kudzera mawonekedwe Intaneti. Akatswiri ena, umisiri wamakono, amene ophatikizidwa mu NPF ndalama Bank ( "Akaunti Yanga" mu malo oyamba), adzakhale makampani muyezo ndipo adzakhala kutengapo mbali komanso mu ndalama zina.

profitability

Tsopano ndalama enieni. Kodi kopindulitsa kupereka penshioni pansi pa kayendetsedwe ka NPF ndalama Bank? 2014 akulonjeza opindulitsa pa maziko a zinthu zachuma?

Choyamba, akatswiri amanena - ubwino mogwirizana ndi ndalama si boma penshioni kwakukulukulu zimadalira limatchula za mapangano ananena pakati pa iwo ndi nzika. The Mapangano kopindulitsa kwambiri anazindikira otchedwa mapulani payekha. chakuti iwo ndinazolowera leni kwa Russia nuance - malipiro "mu envulopu". Komanso, mtundu uwu wa pangano ndi nzika zabwino ndi malipiro owonjezera 47 zikwi rubles (monga ndi - maziko enieni a pa mawerengedwe a zopereka penshioni) ..

Tsopano limatchula. ndi mitengo ya kubwerera NPF ndalama Bank chaka 2013 chiyani? Lipoti ndi gulu la - 6,74%. N'zokhumudwitsa, ndithudi, zingaoneke wodzichepetsa. Komabe, kuposa kufufuma, amene anali 6.5% mu chaka cha 2013. Ndipo ndi - mmodzi wa i zazikulu mogwirizana ndi NPF Akatswiri amanena. Mwachikulu kulankhula, kupeza zinkafuna depositors NPF mabvuto. Chinthu chofunika kwambiri - kuteteza penshoni kwa kufufuma. Ndipo ngati APF kuthana nazo, zotsatira za ntchito yake, mfundo, akhoza imawunikidwa monga positive. Choncho akatswiri anati. Chabwino, kufufuma amadwala pamene kuonera zotsatira za 2013, kukhazikitsidwa kwa oterowo dongosolo otchuka monga Sberbank, NPF. Kasitomala ndemanga limasonyeza kuti ntchito ambiri, kukhuta nzika. Ngakhale, monga taonera ndalama NPF, ndalama, pomwe Umabwerera apamwamba.

Komabe, kuona ntchito, osati kwa chaka chimodzi, komanso kwa zaka zingapo. Akuti, mwachitsanzo, kuti kuyambira 2009 kuti kotala loyamba 2013. The zokolola za APF Sberbank analipo pafupifupi 70%. Ndipo zambiri, za 31% kuposa chokhala mlingo kufufuma kwa nyengo. Nthawiyi, monga ena mavoti mafakitale ndi pachaka zokolola za APF ndalama Bank - 7,86%.

ziyembekezo

Kodi Akatswiri a anawona Fund Zoneneratu zokolola? pali kuthekera kuti m'makalata makonde zidzakhalapo zabwino wopita kwa ndemanga NPF ndalama Bank kasitomala chiyani? 2014 - zovuta Russia mu mawu chuma ndi ndale. Kodi ziletso, kugwa mu mitengo mafuta ndi ruble pa profitability ndalama payekha penshioni?

Akatswiri akukhulupirira kuti chinthu zoopsa pano - zimene boma la Russia. Ambiri mwina, akatswiri kunena, akuluakulu adzayenera bwino ntchito pa moyo wamakono wa njira wonse wa chitukuko chuma dziko. Ngati boma amatha kupirira mavuto malinga ndi malo kunja, ndiye pali mwayi uliwonse kuti nakopoleniya nzika mu NPF chidzakula mokwanira mofulumira.

mlingo mbali ndi ntchito zachuma

Tsopano, za mavoti ndi ntchito ndalama. Ndiyenera kwenikweni chidwi? Kuti pati chilamulira chikhalidwe ndi kasitomala ndemanga iwo? NPF Bank ndalama Akuluakulu a ku Russia, monga amadziwika, chimaonekera pa mlingo wokweretsa wa sikelo ya bungwe "Katswiri RA". Malinga zilizonse atsopano a bungwe, ndi thumba udzakhala wolimba kudalirika. Pali masanjidwe ena, amene, makamaka, ganizirani zinthu monga chiwerengero cha makasitomala, profitability, muwone angapo ofunikira mawunikidwe a zachuma - monga Mwachitsanzo, "Sharpe alionse m'dzikoli pali". Malinga ndi iye thumba komanso zimatengera malo apamwamba.

Pali umboni kuti NPF ndalama Bank anasonyeza mphamvu apamwamba kukula mwa makampani mu gawo mu zoyambirira za 2013. Ndalama pa buku la thumba anafika kumapeto kwa 2013th pamwamba atatu. Amadziwika kuti kampani alipo pamwamba 10 makampani a mbiri yake pa muyezo monga chiwerengero cha makasitomala amene chokongoletsedwa kuvomerezedwa inshuwalansi penshioni mgwirizano, komanso NGOs.

Mtengo pafupifupi ya chopereka kasitomala kwa NPF ndalama Bank - 56 zikwi rubles .. Izi chithunzi - mmodzi wa apamwamba pakati ndalama kutsogolera. Makamaka, ndi za 1.3 nthawi wamkulu kuposa pafupifupi msika. Potsatira zotsatira za 2013 NPF ndalama Bank msonkhano pamsika wa 6,65%. Voliyumu ya ndalama - oposa biliyoni 72 rubles.