Bancassurance: pfungwa, wepamutemo kuumbwa, maonero uye maonero. Bancassurance muRussia

A yakadzikama rwezvemabhengi hurongwa - hwaro zvinonyatsorehwa nokuchengeteka kuripo kweHurumende. Mumwe levers kuti kubvumira kuchengeta mhando rakatsiga, ndiyo pakatanga Bank inishuwarenzi zvairayirwa. maitiro Izvi zvinowanzosanganisira basa nenzira mbiri: inishuwarenzi mukuru uye yakananga rwezvemabhengi ngozi.

Bancassurance muRussia

Mukutonga vakawanda pfungwa anonzi inishuwarenzi pamusoro yedambudziko zvivakwa, vari mabhanga, pfuma, mabhengi, motokari midziyo, vaiva ne masangano zvemari, yevagari kuita kuti pfuma varidzi vari chiitiko kurasikirwa yavose rechitatu. Nemhando ino kunosanganisirawo evanhu inishuwarenzi revashandi (utano, mudyandigere, tsaona, etc.).

Pfungwa bancassurance zvikuru kwazvo. Kana tikafunga pano kudzivirira kubhangi pfuma, noruzivo rwemakombiyuta, zvemagetsi michina. Zvinonzi zvakare kunzwisiswa uye kombiyuta kubiridzira. Nyanzvi zvinofanira kusanganisira neniwo ngozi chokuita nokushandiswa epurasitiki makadhi uye zvikwereti, kusanganisira inishuwarenzi pachavo rwezvemabhengi zvinhu uye software.

Saka bancassurance pfungwa anosanganisira yose-siyana mhando inishuwarenzi mu nokure nekuita rwezvemabhengi uye inishuwarenzi masangano.

Zvikonzero pamwe nemabhangi mapoka inishuwarenzi

Kudikanwa anosanganisira makambani inishuwarenzi ari rwezvemabhengi zvekutepfenyura nokuda kwezvikonzero zvinoverengeka:

• zvinoita kuderedza mabhanga 'kuchengeterwa mari njodzi;
• kukwanisa iumbe chinangwa Pricing wokuti nemabhangi;
• zvinoderedza mwero mari masangano, mari chokuita Implementation yomunyika kuzvidzora;
• rutapudzo pakati reputational njodzi yacho mabhanga pachavo.

Kubatanidzwa makambani inishuwarenzi ari rwezvemabhengi zvekutepfenyura ane pfungwa chero makambani ari inishuwarenzi mari mabasa hakurevi kusapfuudza zvoupfumi zvakanakira basa ravo. Uyezve, makambani anonyengera anogona kusika zvimwe ngozi kubhengi.

mitemo Russian uye rwezvemabhengi inishuwarenzi hurongwa

Legal hwaro bancassurance mu Russia dzakaiswa pamwe kuitwa pakati Civil Code of Russian Federation. The chikuru piece mitemo yokudzora inishuwarenzi uye bancassurance zvikurukuru, muna Russian Federation ndiye Civil Code. The mupanda mitemo munharaunda iyi mutemo 1992 "On inishuwarenzi", iro rinorondedzera pfungwa, kuisa mberi zvinodiwa vechikamu pamusoro kwema, anoumba pamutemo munda akachengeteka uye cherechedzo.

Mitemo inokosha yokudzora ukama hwakanaka uye mudyandigere inishuwarenzi yacho. A kanoda dzino kutora mitemo 2003 uye 2004 yokudzora nyaya setsikawo Banking inishuwarenzi: inishuwarenzi evanhu 'deposits uye Bank of Russia kubhadhara vanhu vane zvipo vaiva akakundikana mabhanga.

Saka, tinogona kutaura kuti pamutemo hwaro bhangi inishuwarenzi muna Russian Federation dzinobva musoro pamutemo framework Dare dzepamutemo ukama pakati insured uye insurer. Saka zvinoitika kuvaka yakabudirira kudyidzana ukama mari masangano nemakambani inishuwarenzi muRussia.

Zvinoumba bancassurance muRussia

MuRussia, kuti chidzoke yacho rwezvemabhengi zvekutepfenyura kwakaitika 90s remakore rapfuura, izvo zvakazoita kuti chidzoke vamwe zviri munyika pamwe nemabhengi makambani inishuwarenzi. Zvinokonzera pamwe ichi chaiva kudiwa kushanda zvikwereti dambudziko wakabudiswa zvemari masangano. Panguva iyi, mabhengi vakatanga inishuwarenzi pachavo zvikwereti, ochinja mutoro vanodzoka zvikwereti dambudziko, vane mugove muupenyu zvachose chikwereti Portfolio yairema anenge makumi manomwe kubva muzana pane makambani inishuwarenzi.

bancassurance kunyanya kuRussia regai kukanzura anokosha urongwa kudzivirira kupfuura zvinobatsira nzvimbo rwezvemabhengi basa - anomukweretesa. Nhasi rwezvemabhengi ngozi inishuwarenzi wokuRussia chokuita chikwereti achiposa nokuda kufarira pemahombekombe sezvo vanobatsirwa. Zvechokwadi, kuti nyaya, kana nemhosva anokundikana kusangana ayo chikwereti mitoro, tsika zvemari anogamuchira yose chitsama chikwereti. Izvi zvinoshandawo zviitiko apo mukwereti upenyu inishuwarenzi kana rufu rwake, uye UK panguva imwe chete kubhadhara zvikwereti kubhengi. Uyezve, tsika zvemari anopiwa basa iri nhamba vasungwa kambani inishuwarenzi makondirakiti kubhengi kuti vatengi.

Munhu ari rinokosha dhipoziti inishuwarenzi. Pashure pezvose, investor ose anoda kuva nechokwadi chokuti mari yake achatsikwa refunded. bancassurance budiriro tarisiro vanofanira kukura ndege chete dhipoziti kwema. Ichi chinhu mari ichaita ine yakananga zvazvinoita evanhu pakusimba. Izvi zvichaitika kudzoka musi mari pasinei simba majeure inosimudzira zvikuru kunobatanidza paruzhinji mari iri upfumi kuti rinopa ayo pakuzadzisa.

Nokuti Russia, kwakadai inishuwarenzi ndiyo nzira inonyanya zvibereko rwezvemabhengi, inishuwarenzi hurongwa uye upfumi yose. Pakusikwa Deposit Guarantee Fund dzinongoitika vanhu uye kwayo kushanda - hombe danho kune kudzorerwa paruzhinji chivimbo.

ngozi inishuwarenzi depositor pakuparwa kusauka imwe yunivhesiti zvemari - basa kuti kwakakurumbira mune Europe. Kukudziridza bhora ichi muRussia. Handiti, ngozi hakusi chete mabhanga kuti zvipe mari yavo vatengi, asi vanhu vaya mari mari dzavo chevanorwara zvemari. Panyaya iyi Insurance ine maitiro ayo. Kubhangi anogona kudzivirira waibva zvemari dzinofunga iri chiitiko kuti zvikonzero kudzorera mari mubhangi haazobudiriri. Users, akavapindurawo, haagoni Vanonetseka mumari richaparara.

Denderedzwa bhangi vatengi zvichava zvakawanda kana tsika zvemari achava inishuwarenzi vasungwa mubhangi zvibvumirano nyaya insolvency. Zvinosuruvarisa kuti zvevakomana, kwete mabhanga vari nhengo Fund kuti dhipoziti inishuwarenzi rwokuzvarwa vanhu. Mukuwedzera, kwete nemakasitoma zvose vanoziva chokwadi kuti sangano yakadaro iripo. Financial kusadzidza - dambudziko rakakura nokuti vanhu vazhinji vanoshanda pamwe nemabhengi.

Chimwe chezvinhu kukurumidza kusimukira nzvimbo iri makadhi inishuwarenzi issuers. Huru ngozi iyi vari chitsotsi, enhema okusuma kuchinja, kurasikirwa, kuba.

No zvishoma charehwa bancassurance kubudikidza inonzi mhosva kombiyuta, izvo zvinosanganisira kudzivirira makombiyuta, zvemagetsi Data vavo vatakuri. Bank inishuwarenzi inozviisa kukosha kuti mari zvikoro kutora ari kuchengetwa: mari, kuchengetedzeka, mabwe anokosha, simbi, uye dzimwe unyanzvi pfuma.

zvikuru Uyewo nyanzvi kuita inishuwarenzi kuti bhangi vashandi, iyo anobvumira vatengi kubhadhara Nokurasikirwa vakatambura nokuda zviito imwe mari sangano nezvoupfumi. Rakajairika zvibvumirano zviri akagumisa mune rusarura cashiers uye Teller. The insured chiitiko kunogona kuita munhu, icho richiratidzwa kuvadza yeGmail.END_STRONG somugumisiro nokufungidzira kuti svomhu zvikanganiso dzemaitirwe yacho Gengi, kufarira mari, bhengi mari yechikoro, kukuvara pfuma, etc.

Mhando bancassurance vari akasiyana uye kuvimba bhuku zvemari sangano kwacho. Vakasimba nyanzvi inishuwarenzi naye, ari chikwereti chikuru kuvimbana.

Ndezvipi Nemabhengi bhurangeti Bond?

Nyika muvambi pakatanga Bank inishuwarenzi zvayakaipira uye kukura kwayo zvinokosha zvinodiwa ndivo United States of America. The inishuwarenzi kuti rwezvemabhengi pangozi yokutanga akanzi imomo kure 1911. World tsika bancassurance pave kwaita kunzwisisa rwezvemabhengi ngozi inishuwarenzi.

Bancassurance mhiri rinoitwa kuburikidza ezvinhu nzwisisika inishuwarenzi kuti bhangi ngozi anonzi Nemabhengi negumbeze Bond. Zvinorevei kuti? Nzwisisika inishuwarenzi kuti bhangi ngozi ataurwa runotibatanidza kupfuura marudzi rwezvemabhengi inishuwarenzi mune rimwe nehurumende. Most dzakabudirira uyewo kuomerera canons, midzi guarantors weAmerican Association nokuti United States mabhanga. A chokwadi chaakapa akatanga kuti kukura inishuwarenzi chinoratidza kuti inishuwarenzi rakagadzirwa nenzira Integrated kuchengeteka gadziriro America kuna I World War, nechokwadi kubhangi guru kubva vaaida. To musi, chete United States nerimwe gore rinoitwa Clearance kwete inishuwarenzi asingasviki zviuru zviviri mabhanga inishuwarenzi nzwisisika.

Nemabhengi negumbeze Bond panyaya Russia

Pasinei dzakawanda kuziva zvakaoma rwezvemabhengi ngozi inishuwarenzi BBB kuRussia, zvinosuwisa, zviri kure achiva uye ane mukana zvikuru kukura. In nyasha kwaiita inishuwarenzi ndechokuti kushandisa maitiro akadaro aizobvumira rwezvemabhengi zvekutepfenyura yeRussian Federation kuti zvinoenderana dzakawanda nemitemo. Izviwo, kukwezva mari kubva kunze kwenyika.

Zvisinei, pane bancassurance muRussia kuti chisiri kuna BBB pasuru. Ndicho kudzivirira pfuma, akatunhidzwa uye contractual kuita. murayiro uyu imhaka kudiwa uwane kupedza zvakawanda nyaya uye inoita vakarongeka kudzora njodzi.

Mukuwedzera, inishuwarenzi Kuvimbika kubhangi vashandi ', kureva kudzivirira mari nemasangano kubva nokurasikirwa hedu kana nokusaziva anogona kukonzera nyanzvi yacho. Pasinei chakakoshera chigadzirwa ichi inishuwarenzi, mumwe zana muzana kubviswa kwevanhu chinhu haagoni kuva priori. Register magwaro ose yaibvira kupindira kwevanhu vari rwezvemabhengi sangano iri zvakaoma. Izvi mhando inishuwarenzi zvinoda rwezvemabhengi sangano kupfuura odhita, izvo zvichaita kuongorora zvimwe zvakananga mukana vaita Nokurasikirwa kwavari.

Mumwe zvinoumba inishuwarenzi nzwisisika imari inishuwarenzi BBB mabhanga: mukati, chinjwa pfuma, unyanzvi, mari, kuchengetedzeka.

BBB anopawo inishuwarenzi pamusoro kurasikirwa chakakonzerwa namaneja iri Bank ari Implementation remapazi pamusoro ndokugadzira magwaro. kwacho vari rakakamurwa dzamarudzi maviri: kubiridzira pamwe macheki uye magwaro noenderana; kuchengetedzeka kubiridzira (akavhiyiwa pamwe ndokugadzira Banknotes).

Zvinodiwa Kuti kuchengeteka Contractors ari gadziriro iri BBB

Inobva kumusoro, zvinofanira kunzwisiswa kuti BBB ari mutemo yaisanganisa rweinishuwarenzi iri zvemari, matare uye pfuma ngozi mabhanga. Saka, murayiro Russian Federation anoita munda uyu mhando inishuwarenzi anoisa zvimwe zvinodiwa nechikwereti sangano marezinesi kuitisa rwezvemabhengi mabasa. unofanira:

• mu Chibvumirano inishuwarenzi zvakanyatsonanga zvose mapazi kuti kuchizvivanza inishuwarenzi ichi;
• yeuka kuti chibvumirano havazobvumirwi kuratidzirwa masangano rwezvemabhengi zviri zvishoma muridzi ne insured;
• funga kuti kodzero kunomhangara kuti chiitiko insured kuti policyholder ane chaizvo.

Uyewo insurer inofanira marezinesi kuti inishuwarenzi pfuma yokupira masangano uye vanhu, uyewo mari uye mabhizimisi ngozi.

Zvinoitwa rwezvemabhengi ngozi mukugadzirwa ane inishuwarenzi urongwa BBB

Shared chikuru uye yokuwedzera njodzi. Huru njodzi inosanganisira kuba, kukuvadza pfuma uye richienda pamahombekombe semubairo kuparadzirwa kana kukuvara nemaune nemapoka rechitatu. Izvi zvinosanganisira kukuvara munguva chokufambisa.

Funga mamwe pangozi chokuita kuziva magwaro enhema nokuda kupati insurer wechitatu. Kunze nokuda kwokuripirwa muripo nokuda inishuwarenzi mutemo revatema kukwira nenyaya chokuita kuzotadzira midziyo kombiyuta, ekombiyuta, kombiyuta Data. Panyaya iyi, mabhanga Russian, muitiro kutenga mamwe inishuwarenzi gwara, zvakagadzirirwa kufukidza insured Nokurasikirwa kubva zvemagetsi mhosva. chiito chakadaro vanonzi. Mutemo rinofukidza zvinenge zvose zvinokanganisa kunokonzerwa zvemagetsi gadziriro dzavo mashoko. Not nokufukidzwa inishuwarenzi kuita kuti chero insured nezvinhu kubva moto, kurwiswa nemagandanga.

Kururama kwemashoko inishuwarenzi chibvumirano nomusi BBB dzinosiyana paavhareji gore rimwe kwemakore mashanu.

Matambudziko rwezvemabhengi nengozi inishuwarenzi

Maererano zvoupfumi rine zvimwe zviri zvipfuwo rwezvemabhengi inishuwarenzi. Matambudziko anogona kugadziriswa. Chokutanga, chii kuchinja sei dambudziko, mutengo mitemo inishuwarenzi. Panyaya pangozi zvemari, mari kutengeserana kwakawedzera yekudyidzana. Panguva iyoyowo inishuwarenzi iyo chinjwa uye usingazungunuke pfuma nhasi vanogona kuva chisingakoshi chaizvo.

Setsika, dambudziko chokwadi tinzwe pamusoro kuderera bhuku musika ichi, asiwo akamubvumira kuti utano. Inishuwarenzi Makambani hazvisi zvakakwana kusanduka mutemo panyaya kudikanwa kuva mumwe policies, izvo zvinofanira kufunga vamwe nuances neimwe policyholder.

Kukura bancassurance mu Russia zvinogoneka kudzidza uye kugadzirisa zviri pamusoro matambudziko.

Pakusarudza insurer kuti mabhanga

bancassurance sangano kunosanganisira kunyatsosarudza kuti inishuwarenzi iyi mhando yebasa.

Huru dzekuziva kuti kusarudza yakavimbika mudiwa kuti mabhanga kukwanisa kwavo kubhadhara igadzikane, kuvapo chaizvo remunharaunda network, nyore Pricing, kukwanisa kuumba kuchinja contractual mashoko, yakanaka ruzivo dambudziko isina kusawirirana chisarudzo. Nokuti pamwe akakwana boka, nguva-akaedzwa. Chete iyi mubhengi inishuwarenzi hurongwa vachasimbiswa nemazvo.