State mutemo nezvebasa inishuwarenzi muna Russian Federation

In nedanho inotungamirwa evanhu masangano Russia hanya kwazvo rwakabhadharwa kuna mutemo zvinhu inishuwarenzi. Izvi imhaka yakakwirira padanho evanhu kukosha kwaiita basa. Chiitiko insured chinowanzoitika kukuvadza yose yenyika upfumi. State mutemo nezvebasa inishuwarenzi kunoitika kuburikidza nhau, ongororo pokuita ruzivo zvabuda chaidzo uye pamutemo.

chikanganiso

State murau pokudzora mabasa inishuwarenzi vari rakakamurwa rokutanga, kuitika uye inotevera. Muchiitiko chokutanga tiri kutaura pamusoro ongororo pokuita chete zvinodiwa nemakambani uyo rezinesi akapiwa, kunyoresa insurers. Kuramba achitarisirwa ndiko kuziva zvaidiwa nomutemo pamusika vechikamu: .. Dzinoshuma pachisara muchidimbu marezinesi, vabve mazita nevaichinja, etc. More mashoko vari kuti kukurukurwa pashure.

State pamutemo mutemo yemabasa inishuwarenzi rinoitwa Federal Mutemo "On Organization Inishuwarenzi Business" uye Bazi Finance. Pachirehwa nyanzvi kumusika vechikamu vanozoshanda dzavo uye vygodopriorbretateley.

Zvinangwa, mashandiro, mabasa,

The zvebasa wehurumende mitemo yebasa inishuwarenzi:

• kuitira kugadzikana nokushanda kwenhengo pamusika;
• Kuchengeta mitemo nemirayiro;
• nechokwadi Kuzadzika mitoro mapato ari kutengeserana;
• kudzivirirwa mudzimba musika kubva makambani vatorwa;
• kuchinjwa ehurumende mitero uye mari.

Directions ehurumende mitemo yebasa inishuwarenzi:

• kuitwa mitemo nemirayiro, kuongorora zvaidiwa nevanhu vehurumende;
• mutemo solvency ose insurers uye vatevedzere zviri wazvipira;
• kudzora yokubhadhara mitero kubudikidza musika masangano;
• nemitoo musika vechikamu.

Nevatungamiri kuita zvinotevera mabasa:

• ape rezinesi kuti ishande;
• kuita zvawanyora State Register insurers nevaichinja;
• kushandisa masimba pamusoro paumbwe Zimbabwe tariffs;
• reserves akaisa placement mitemo, kuita chizvidavirire;
• kutanga nemirau nhungamiro magwaro;
• kukudziridza uye zvinopa mazano kukura zvemitemo kuumbwa.

Rights miviri ehurumende cherechedzo

• Kubva insurers, kuudza pamusoro mabasa vatengi vavo uye mabhanga - mari nzvimbo.
• Kuita macheki ari kuita kuti mashoko uye chaiye mamiriro ezvemari.
• Kana kuputswa mitemo makambani kupa mirairo kubvisa matambudziko. Kana havana akasangana, iyo rezenisi kumbomira zvokuita kubvisa kutyorwa.
• Shandisa kudare kuti liquidation pamusoro insurer uye makambani zvichishanda pasina marezinesi.

zvemari kuzvidzora

Munyika tsika munzvimbo iyi pasi dzose audits makambani inishuwarenzi. MuRussia, nyaya iyi ichiri pasi kukurukurwa.

State mutemo makambani inishuwarenzi pamusoro solvency dzavo uye zvemari kugadzikana iri kuverenga pamusoro tariffs, vamwe mabasa, paumbwe reserves, kunyatsoongorora inivhesitimendi muzvirongwa. Insurers pagore kuyera wazvipira. zvabuda Its zvinoratidzwa ari oga mhedziso, uko kune hurumende sangano.

Kushaya isingachinji odhita hurongwa inokanganisa pamusoro yose indasitiri. Dzokubvisa paumbwe reserves nokukurumidza akava zvisingachashandi, asi kashoma akaongororwa. pamusoro Implementation kuti odhita matanho dzakavakwa chete panguva zvemitemo sandara, asi zvinangwa, zvinangwa, zvirongwa uye nzira iri tsika haisi kunorondedzerwa.

Union inishuwarenzi

In musika wokuRussia ndivo nehurumende uye Regional songaniro ose insurers. Vari inoumbwa basa: .. Medical, motokari inishuwarenzi, etc. nokubatana kwakadaro muri kuwana musika kuzvidzora. dambudziko ravo chikuru chokuita nekugadzirira vaitaura kuti zvemitemo mabasa, paumbwe kudzivirira mari, pave policies uye zvirongwa, methodological rutsigiro mabasa, kurovedza uye zvichingodaro. D.

kukura varombo Russian Federation vakagamuchira Consumer Protection Union. Its chikuru basa ndiko kuziva anonyengera makambani, mutengi kudzivirirwa, pave mitemo, zvirongwa inishuwarenzi, uye zvichingodaro. D.

Basa mibatanidzwa kumativi ose anofanira kuitwa kubatirapamwe. Nokuongorora zvido insurers vavo vatengi chinhu chinokosha chinodiwa kuti kukura kumusika.

World tsika

Inishuwarenzi zvibvumirano - muri magwaro akaoma kubva pamutemo pfungwa maonero. Munhu pasina dzidzo chaiyo zvakaoma kunzwisisa ose mazwi. Munyika dzokuMadokero, hurumende mitemo yemabasa inishuwarenzi pamusoro kwema nevanhu makasimba zvikuru kupfuura pasi zvibvumirwano pamutemo masangano. The yokupedzisira anogona kukwezva vanokwanisa magweta kuti aone zvaidiwa Pakuurayiwa gwaro mitemo.

Mudunhu iri Russian Federation hurumende mitemo yemabasa inishuwarenzi kuitwa munzvimbo nevatungamiri. Mumamiriro nezvaanogona dzavo unovabatsira yemutero, nechepakati pamahombekombe uye antimonopoly hofisi. In dzakawanda Europe anoshandisa rakabatana marongedzero cherechedzo. In Canada, zvimwe zvinhu zviri nokudzorwa kuzviremera zvehurumende, uye zvikuru masimba zvaitambidzwa zviremera zvomunzvimbo mudunhu. Global mamiriro mutemo nezvebasa inishuwarenzi muna US vasipo. Mumwe mamiriro ine mitemo yayo.

maitiro

State mutemo nezvebasa inishuwarenzi nokushandisa ruzhinji kwava kuti makambani vane waivako mishumo dzinobudiswa kuruzhinji Shanduro uye zvinopa nevatungamiri. Service vatengi anogona kuumba pfungwa mashoko pamusoro sangano uye odzidza kusaina chibvumirano.

Uyu worupo hurongwa. Munhu asina dzidzo chaiyo havazokwanisi kunzwisisa mashoko zvemari. Interests pakati vanhu vanenge chibvumirano pamberi insurer vane dambudziko, kwete insured. The neHurumende pamusoro aurayiwe kwema hadzina kuitwa.

Pamutemo hurongwa ndechokuti hurumende anomisawo chete zvinodiwa kuti masangano ose vanobatanidzwa mumabasa inishuwarenzi. Vangave chokuita mari (the kuita mabasa uwandu guru), marudzi pfuma insurers, nenguva nhau uye zvichingodaro. D. Kana default izvi zvinodiwa zvavakatemerwa zvirango pamusoro kambani. Dunhu iri rine refu uye zvinobudirira unoshanda UK, uye munguva ichangopfuura akazviratidza muna EU.

Zvinoumba mamiriro mutemo inishuwarenzi mari cherechedzo hurongwa basa iri kuti insurers zvinobudisa mishumo mabasa ayo, uye kutungamirira zviremera kuongorora Implementation pakati mashoko zvibvumirano, bheji hukuru, inotungamirwa reserves. In Nemuromo, zano zvinhu izvozvo vairemekedza zvido zvose mapato kutengeserana, uye hakuna mutengo marara. Nenzira iyi, mamiriro mitemo yebasa inishuwarenzi muna Russian Federation.

Material vakwanise pamutemo hurongwa pamusoro nokuwanda akafukidzwa zvivako. inokosha charo kuti zviito zvose zvinofanira akabvumirana mitumbi wehurumende simba. Kudivi rimwe, kwakadaro hurongwa zvikuru ichikutadzisa mabasa insurers. Makambani kuti kutanga chigadzirwa mutsva, zvinofanira kubvumirwa sezvo nevatungamiri. Kurasikirwa nguva kunooneka akarasika purofiti. Ukuwo, zvinodiwa nevatengi vanodzivirirwa mabasa.

insurer Register

MuRussia, semvumo yokuita mabasa inishuwarenzi of Bazi Finance nyaya. Kundoitora, unofanira kuumba uye kubhadhara guru mvumo zvichienderana nemhando basa:

• kanenge 25 zviuru nguva shoma mubayiro - zvose mabasa, kunze inishuwarenzi youpenyu .;
• . At anenge 35 zviuru nguva shoma mubayiro - zvose marudzi inishuwarenzi;
• vanopfuura zviuru 49 nguva shoma mubayiro -. upenyu inishuwarenzi chete.

Mukati dungwerungwe ichi nzira inofanira kunyorwa mari. Kuwedzera tsika idzi vakagamuchira zvipo muchimiro pfuma, kodzero kushandiswa, pfungwa pfuma uye zvichingodaro. N.

Uyezve, unofanira kupa Bazi rezveMari zvinotevera magwaro:

• chikumbiro;
• ari constituent magwaro (nyaya kushamwaridzana, maminitsi musangano, mashoko kubva hurumende mazita).
• mubhadharo kuti kuchinjwa mari iri guru mvumo;
• mari substantiation mabasa;
• mitemo inishuwarenzi, mharidzo mhando zvibvumirano;
• mutero kukarukureta pamwe hwakadzama decoding unyanzvi basa;
• ruzivo pamusoro wekambani uye ake nemutevedzeri.

Somunhu feasibility kudzidza akabvuma:

• pagore mabhizimisi hurongwa;
• reinsurance toronga chiitiko kuti kunonyanyisa kuita kuti mukana inopfuura 10% pachake mari;
• algorithm nokuti paumbwe reserves uye urongwa placement kwavo;
• nepakati papepa, mari mashoko.

Chisarudzo kupa foromani anogamuchira rezinesi mukati memazuva 60 pashure okutambirwa magwaro. The chikonzero pokuramba raigona undocumented nomutemo. Izvi mamiriro sangano inozivisa sangano iri kunyora.

siteji

State mutemo inishuwarenzi basa iri Russian Federation rinoitwa mumatanho matatu: rokutanga, kuitika uye inotevera. Ngatikurukurei chimwe nechimwe chezvinhu izvi zvizere.

rokutanga macheki

Chokutanga, pane kusarudzwa pakati makambani vanoda kuwana rezinesi. Kwete sangano rose vanogona tiite mabasa inishuwarenzi.

Kubvuma kumusika rinoitwa munzira mbiri. Muchiitiko chokutanga, kambani rinonyoreswa mune mazita insurers, pashure pacho angatanga kushanda. Kwakadaro vanopinza kushivirira kuri pachena hurongwa.

Kana uri kushandisa kungobvumirawo nzira, ari supervisory hurumende vachabva rezinesi kuti ishande. Unofanira kupa uchapupu kugona kuita zvemari zvinodiwa. zano iri kushandiswa munyika dzakawanda munyika.

ano rokuongorora

State nhengo simba yokumiririra ongorora ndizvidavirire utariri nhau. Mune chiitiko kudiwa wekukumbira kuwana mamwe mashoko. Uyewo kugona kwavo inosanganisira kufunga mafomu vane mazano, zvichemo, kuitisa inspections. Kureva mamiriro mitemo mabasa inishuwarenzi yekambani inishuwarenzi ndiko nechokwadi nenguva kuongorora mari inogona boka nokugamuchira ngozi, tarisa nemitemo inotungamirwa reserves, chienderane Kuwanikwa mari mitemo.

tevera kuzvidzora

Panguva iyi, sarudzo dzinoitwa toreva insurers, migumisiro izvo zvinhu regai zvinoenderana chero zvinodiwa (nokubatanidzwazve, liquidation). State mutemo inishuwarenzi basa iri Russian Federation Panguva iyi kurerutsa kurasikirwa vatengi anonyengera makambani. Nevatungamiri anogona zvehurumende kwemamiriro zvibvumirano itsva, yokugadziridza mutero rates, nokugadzirisa mabasa zvimwe zvinhu. Izvi zvinoitwa muchimiro yemirau, kureva mirairo yakanyorwa obligating kuti insurer kubvisa kutyorwa mukati yamunenge kumwedzi.

Nhandare nokuti nokuiswa mitemo:

• Implementation mabasa munzvimbo kusingajekeswi muna rezinesi;
• Implementation of mitemo wairambidza mabasa;
• kutyora murayiro provisioning;
• kusina kumukodzera rutapudzo rate;
• kukundikana zvinoenderana hwakagadzwa uwandu nhamba yesangano uye munataisireva;
• kushuma nevamwe akakumbira magwaro ari kutyora mashoko kana kuti;
• disparity mashoko anopiwa chaiyo mashoko;
• kutyora mashoko ziviso yacho yakabvumira kugadziriswa kwemutemo wekuita kuti bumbiro, mitemo yebasa, sechivako mubereko prices;
• uchatamisa rezinesi mumwe sangano;
• nyaya Mutemo pasina pokushandisa mitemo;
• zvibvumirano zvizhinji yepamusoro ezvinhu pane vaya nezvaro mitemo.

Kana asiri chinoramba supervisory simba anogona kurambidza rezinesi. Izvi zvinogona kutsanangurwa se kurambidza zvibvumirano itsva, uye kuwedzera yekare kuti zvimwe zvinhu kana akati mundima.