Deposit inishuwarenzi. Mutemo musi Insurance pamusoro Deposits

Deposit inishuwarenzi muna Russian Federation chinokosha nomazviri kudzivirira vagari 'mari. Nepfungwa huru ino - ndiko nechokwadi nokukurumidza kubhadharwa yakazvimirira mari mabviro (somuenzaniso, rinokosha mari) pa kugumiswa basa sangano umo maiva nemari. Ngatikurukurei muudzame sei fanira inishuwarenzi zvipo.

zvakwakanakira wegadziriro

Sezvinoratidzwa nezvakaitika kuna vakawanda mune zvemari dzakabudirira, dhipoziti inishuwarenzi mune mabhanga rinoshanda kunobatsira nekugadzirisa yakaoma makro-upfumi uye zvinetso. Chokutanga, ezvinhu mari hunovimbisa kudzivisa kutya pakati vagari. Izviwo, dzinovimbisa akatsiga nokushanda rwezvemabhengi hurongwa. Panguva CERs zvinobatsira kuderedza magariro mari kubvisa matambudziko dambudziko. Deposit inishuwarenzi rokudzora vanhu, pakati pezvimwe zvinhu, anowedzera chivimbo ruzhinji munyika zvemari uye zvikwereti masangano. Izvi anosika prerequisites nokuda kwenguva refu kuwedzera toga deposits. Nhasi, hurumende dhipoziti inishuwarenzi huripo munyika 104 pasi pose.

Inishuwarenzi deposits muviri vanhu mu Russia

Voitakura kunze maererano nhengo Law. Mutemo "On inishuwarenzi kuti deposits" rakagamuchirwa muna 2003, musi 23 December. zvokudya zvayo rinotsanangura chiitiko CERs, zvinofanira kupa inopikira. Zvikurukuru, maererano yeUnited mutemo, anodzivirira zvose vagari 'mari, akaisa nhoroondo kuti rine vakanyorwa pamusoro munharaunda mabhanga Russian. inishuwarenzi Deposit anoshandawo mari dziri makadhi (dzakakudzingai chikwereti), sezvo ivowo vave kwakajairika nyaya. Protection mari kwakaitwa nemhaka akati Mutemo. Izvi zvinoreva kuti hapana chikonzero mberi kugumisa sungano pamusoro nezvaidzivirira. On muganhu Russia unoshanda LETSATSI - Deposit Insurance Agency. sangano iri rakaumbwa muna 2004, muna January. Deposit Insurance Agency anotipa kutarisira kudzora hurongwa. The Russian kuita Cer chinhu chinokosha mabasa masangano vaite kukwezva uye nokuchengeta vagari 'nemari. Kusvika panguva inishuwarenzi hurongwa kunosanganisira zvinopfuura 800 mabhanga.

Kukosha muripo

nomunhu deposits musangano, nekuda iyo yakaitika chiitiko inishuwarenzi, kuitwa 100% chitsama uwandu inochengeterwa pfuma, asi kwete kupfuura mamiriyoni 1,4 rubles. Mari munyaya yokumwe mari anoshandurwa kushandisa Gengi panguva yacho tsaona. Kunonyanyisa muripo ukoshi - 1.4 mln - dzaona pamusoro deposits inochengetwa rimwe bhengi Nhoroondo iri zvakasiyana (kana chete). Mari dziri akasiyana mari masangano, anopiwa pasina mumwe.

chinokosha

Kana kamari inishuwarenzi muripo wacho, kodzero pamusoro depositor nokuda mari kwazvo kukosha inopikira vagutsikana panguva yacho kusauka zvekufamba ari mutsetse pakati chikwereti okutanga. Kodzero vanoti muripo kuti mari inobhadharwa kuenda LETSATSI. Kana investor akapiwa mubhengi chikwereti, uko kwaiva nyaya inishuwarenzi, uwandu muripo ipfupi kubudikidza chitsama pakaunda-Zvinotaurwa zvemari uye zvikwereti sangano musi kugumiswa kwayakaita.

zviitiko igadzirise

The Act akasimbisa zvinotevera ezvinhu umo muripo iri depositors:

1. Kukanzura (WIthdrawal) rezinesi.
2. Moratorium Bank of Russia kuitisa kwema zvemari.

Muripo kubhadhara dzinotanga mukati kushanda mazuva matatu mushure pasi magwaro kuna LETSATSI, asi kwete mavhiki adarika pane mbiri pashure panowanikwa vamwe ezvinhu dzataurwa pamusoro apa. ari dhipoziti ndiyo refunded kuna Agency hofisi kana (kana yaipedzerwa uye uwandu savers diki), kana mune imwe kana dzakawanda dzakabatana mvumo, kana netsamba. Nokuti mumwe ezvinhu akasiyira chaizvo nzira zvikunde muripo.

Kakawanda

Inishuwarenzi zvisingachinji:

1. Mari munhoroondo notaries nemagweta, kana ivo akazarukira pagadzirwe nyanzvi basa, akapa Mutemo.
2. Mipiro kunowaibata.
3. mari anotamisa pasina kuvhura account.
4. Deposits dzimwe dzemapazi mudzimba mabhanga.
5. Mari nokuti unallocated simbi nyaya.
6. Mari kune mumwe rwezvemabhengi sangano iri kuvimba.
7. Mari aiendeswa dzemaitirwe chete nokushandiswa zvigadzirwa achishandisa vachibhadhara pasina kuzarura nhoroondo iri mari uye zvikwereti zvebhizimisi.

nheyo zvemari

inishuwarenzi Deposit Anotsigirwa yakazvimirira nheyo. saizi Its iri 7 May, 2014 vakasvika mabhiriyoni 195.7 rubles. (Net yemhuka nokuda kwokuripirwa indemnities akakura kacho -. Mabhiriyoni 157,6 rubles). Vanonyanya kupa mari yacho Fund ndivo hurumende pfuma mupiro - mabhiriyoni 7,9 rubles, uye kubhengi inishuwarenzi uye mari mari mari zvayo .. Mipiro saizvozvo masangano ose zvemari uye unofanira kuripirwa iri Quarterly hwaro. The mutero iri pakutsvaga Board Directors dia. Panguva ino, mwero iri 0.1% kubva paavhareji kukosha insured vanhu mari nokuda runoenzanirana kota.

nhoroondo zvinhu

Kubva nguva apo akatanga ishande inishuwarenzi dhipoziti, uwandu muripo kwakawedzera 14 nguva. Panguva kutanga kwekupwanyiwa zvakanga 100 zviuru rubles. Sezvo August 2006, mari vakawedzera kusvika 190 000 rubles, kubva March 2007 -. To 400 000 muna October 2008 - anosvika 700 000 rubles. Muna 2014, imwe kunatsiridza yakaitwa kuti State Duma, maererano izvo kunonyanyisa huwandu muripo yaiva rubles mamiriyoni 1,4. Munguva yakararama pakati CERs vaiva nyaya dzinopfuura 180 inishuwarenzi.

Kuti uwane mamwe mashoko pamusoro kunatsiridza

Kuwedzera uwandu muripo kwakapamhidzwa nokuda kutya kuti depositors. Maererano vokubhengi, danho iri State Duma akanaka chaizvo, asi hazvingaiti dzinobatsira mutsika deposits. Financial Markets Committee akasarudza kutsigira chirongwa ichi. Musangano wakaitwa muna asiri chetsika nguva uye akanga kuvanzwa venhau. Sezvakataurwa ne musoro Burykina Committee, Mutemo panguva iyoyo vaiva kutadza, uye kudzivisa kusanzwisisana akazotevera hurukuro inofanira kutora nzvimbo pasina vezvenhau.

zvakarongwa musangano

The Committee aifanira funga zvikwereti maviri. Wokutanga kunetseka kuwedzera vachibhadhara inishuwarenzi nehafu, uye wechipiri - paumbwe Inter-factional boka wevatariri, izvo zvaizoita kukurira Kudzikamiswa zvinhu pamusoro pamusika weRussia zvemari. Zvisinei, muhurukuro vanobatwawo nezvimwe kukamura uchishandisa nyaya.

Zvikonzero kuwedzera muripo

Kudiwa pakaita chiyero iri kwakakonzerwa chinokosha water drainage mari kubva Ruble munhoroondo vagari. Kubva 2014 zvikavavarira kusvika mabhiriyoni 216 rubles. Nokuda kutanga muna December mari dambudziko rave zvikuru zvakawedzera mukana churn. Nemabhengi vanoti hombe chido vokuRussia kutamira mari dzavo mari nhoroondo, uyewo mari mu pfuma. Maererano Aksakov, purezidhendi sangano "Russia", kuwedzera kukura inishuwarenzi achabatsira kuti inflow mari kupinda mudzimba Makambani zvemari. Sechiratidzo chinzvimbo chake, iye anotaura mashoko ezvinhu 2008. Panguva iyoyo, mashoko water drainage pamusoro deposits yaiitwa, aiva 7%. Mushure kuwedzera uwandu inishuwarenzi kusvikira 700 zviuru. Kwiza nechekuzasi. uwandu vagari 'deposits akawedzera October kubudikidza 10%.

LETSATSI basa idzva ezvinhu

With kuitwa yakabvumira kugadziriswa kwemutemo wekuita kuwedzera inishuwarenzi indemnity sezvo Aksakov inoti, negadziriro mari kuti mari angangotadza chaidzo chero kuchinja. Nepo substantially achidzikisa kuchengeterwa LETSATSI zvinogona kushandisa kuti chikwereti kuna Central Bank. chinhu ichi zvinopa Federal Mutemo CERs. Sezvataona Isaev (sangano mukuru), chisarudzo huchachinja basa dzesangano Zvisinei, vanofanira kuonana Central Bank hakusati kwaitika.

Zvimwe nemikana vagari

Sezvakataurwa kumusoro, vokubhengi funga kuwedzera kukura kubhadhara inishuwarenzi akanaka chaizvo kusarudza. Panguva ino, avhareji kukosha deposits vokuparidzira iri 500 zviuru rubles. Uyu mufananidzo vade imhaka chokuti vazhinji vakanga vakadzvinyirirwa uye dzavo nzira yekuzvidzivirira kuvhura nhoroondo panguva dzakasiyana zvemari masangano. With kuwedzera depositors muripo inishuwarenzi vanokwanisa kuunganidza mari yakawanda muna rimwe bhengi. Pamwe uku kuwedzera muripo mabasa sezvi- sechivimbiso of Government. Izviwo, pakati pezvimwe zvinhu vanobatsirawo kwakawedzera chivimbo mudzimai zvekutepfenyura zvemari. Pamwe izvi, maererano vokubhengi, Mutemo achaita kuderedza mwero Kudzimwa kwechikwereti marezinesi uye kusarudzwa kuti vadzivise kuzvidya mwoyo pamusoro achisimbisa inishuwarenzi Fund.