Chikomborero chekudzidzisa chikwereti

Pasi pedzidzo yakakwirira yepamusoro nhasi, vakawanda veRussia vanonzwisisa kuvapo kwediploma yeunivhesiti yakakwirira. Asi nzira yekuwana nayo, kana kuti, panzvimbo yekubhadhara, yakapiwa kuderedzwa kwegore negore nenhamba yezvivigiro zvebhajeti mumasangano - mubvunzo pane zvakaoma. Kana vabereki vasina mukana wekutsigira mudzidzi: kuripa dzidzo yake, pokugara, varaidzo, ipapo iwe unogona kuedza kubhadhara mari. Somuenzaniso, bhangi.

Chikwereti chemari ndeimwe yemikana yekubhadhara nzira inodhura yekudzidzisa, inoitwa pasi pekutungamirirwa kwevapurofesa vakakodzera uye vaporofesa vanobatana navo. Ichokwadi, basa rakadaro harisi rakakurumbira mumabhangi pachavo, nokuti, kusiyana nemitengo yevatengi vemazuva ose, zvakakosha kutsigira chimwe chinhu chisati chiri-zvinhu-ruzivo. Uye vanobvumirana, haisi firiji kana semashini yekuchenesa, izvo iwe unokwanisa kutengesa nekubatsira mari inotengeswa.

Achiziva kusaneta kwebhengi kuti vape mari yekudzidza, muna 1996, pakucherechedza mutemo "Padzidzo", vakatanga kutaurirana pamusoro pemafungiro akadaro sechikwereti chekudzidzisa nehurumende. Makore gumi gare gare, chirongwa chinowirirana nepfungwa iyi chakagadzirirwa nevashandi vezvivako zvakakosha-sangano reUnited Education uye Science, Higher School of Economics, Association yeRussian Banks, Russian Union yeZvashandi uye Entrepreneurs. Zvadaro zvakarongerwa kupa huwandu hwemazana maviri emadhora pasina mari, iyo uyo akakwereta aigona kudzoka mushure memakore matatu kusvika gumi apedza kudzidza kubva kuchikoro. Uye aisagona kudzoka - mune mamwe mamiriro ezvinhu. Nhamba chaiyo pachikwereti haina kudanwa, uye yairehwa chete kuti huwandu hunofadza hunogona kusarudzwa pakati pemabhengi anopiwa.

Pakauya pakudzidzira, zvikwereti zvekudzidzisa zvakasara kune vanhu vakawanda vaida kuwana dzidzo yepamusoro yepamusoro isingakwanisi. Mabhangi, kunyange paine mamiriro ezvinhu kuti hurumende yakabatanidzwa mukusarudza kwavo nokungwarira, kubvumirana kupa mari kune vanhu vakuru vokuRussia. Uye kana makore gumi nemakore asati apera, zvino tinofanira kutora mapepa ose nemunhu anokwereta. Kana zviuru makumi maviri zvemadhora zvisingakwanisi kudzidzisa mari yacho, ipapo chikwereti chakakura chinowanikwawo chete nekubatanidzwa kwevamiririri.

Muchidimbu zvakakosha kumira uye pamubvunzo wemari yechikwereti. MuSberbank, chikwereti chekudzidzisa chichabhadhara muteresi zvimwe 12% pagore. Rosinterbank anovimbisa kubhadhara mari ye11-20% pagore, Rosselkhozbank - 16%, uye Baltic Bank - ye19%. Nenzira, mari yezvidzidzo inopiwa neashoma kupfuura mabhanga gumi emisha uye imwe kambani.

Zvechokwadi, kune mhuri dzakawanda dzomuRussia, chikwereti chekudzidzisa mune chimiro hachisi icho chaidiwa zvikuru. Nokudaro, mamiriro acho ezvinhu anongororwa apo muchengeti wezvemari ndiye achava mushandi. Bvumirano yebasa ingagumiswa kusvikira mushandi akaripa. Uye kana pakudzingwa, zvikwereti kumabhangi zvinoshandurirwa kune nyanzvi yevaduku. Yakanga yakagadzirirwawo "kukanganwira" chikwereti kana uyo akapedza kudzidza akashanda imwe nguva yenguva yekugovera. Bhengi vanoti havangwariri kusangana nehurumende. Asi vanobudisa pachena mamiriro avo, vanotsvaga kugamuchira dzimwe ropafadzo dzemitero uye vachireva mamiriro evanhu vadzidzisi vemasangano ezvidzidzo kana zvishoma nhengo dzemapurisa ekutarisira uye vatrasti.

Saka mubvunzo wekuwana mari yechikwereti inoramba yakakosha sei. Kune rumwe rutivi, nyika inoratidzika iri kuedza kubatsira vechidiki kuti vave vakadzidza uye mune ramangwana kuwana basa mubasa rakakurumbira, pane rimwe - harina kugadzirira kuparadzanisa nedzimwe nzvimbo dzinobatsira, mitemo nezvimwe zvinokonzera simba.