Private penshioni ndalama: ndemanga yekha ndi malingaliro katswiri

Chifukwa kusintha mu dongosolo la penshoni kwa nthawi pambuyo Soviet nthawi ophunzira ake yogwira sanali boma penshioni ndalama. Kodi ntchito yawo ndipo ngati mungathe kuwakhulupirira - awa ndi mafunso zachilengedwe wa ku Russia. Ndipotu udindo muyezo wawo wokhala mu nthawi ya choyenera zina m'tsogolo mwina analamulira ndalama payekha penshioni, ndemanga amene ali osiyana kwambiri.

Kodi izo - NPF?

Non-boma thumba penshioni (NPF) - sanali phindu bungwe amene amasonkhana ndalama penshioni ya anthu ndi kuonetsetsa ndalama zawo, Kugawilidwa kwanthaka ndi malipiro a mbali zolipirira wa penshioni mamembala thumba. Foundation amapereka nzika mwayi wofalitsa mu dongosolo payekha penshioni kuti amalola kuti afike kulenga yabwino ukalamba.

Chifukwa zikamera ndi kukula

Zikamera wa mabungwe amenewa anafuna kusintha penshioni, ikuchitika kuti mugonjetse vuto la kachitidwe kakale ndi kusintha miyezo ya moyo wa pensioners. Nzika apatsidwa mwayi wolandira ndalama za penshoni, osiyanasiyana magwero (boma chigawo ndi ndalama munthu, amene ankayenera kuchita sanali boma penshioni ndalama). Reviews ndi mtsutso anthu kwa zaka 20 kuumba maganizo a anthu pa nkhani imeneyi.

Mu 1990s oyambirira, SPC analenga wokangalika, koma kulamulira zochita zawo anali osakwanira. Only kuyambira 1995 wavomerezedwa zikalata zaboma, malinga ndi zomwe zinali zotheka zonse ndi kuyang'anira ntchito yawo. Chaka kale analenga anayendera ndalama payekha penshioni pansi pa Utumiki wa Social Chitetezo cha anthu ambiri a Russian Federation, lomwe lili ndi mphamvu woyang'anira ndi powunika momwe ntchito yawo. Iwo anayamba kugwira ntchito zake mogwirizana ndi malamulo (wabwereka, mosamalitsa kutsatira anayamba ndi Inspectorate mfundo ndi malipoti). Koma chisokonezo malamulo kutangoyamba zake zingawonongeka dongosolo latsopano penshioni. Sitinathe kwa ilo ndipo anthu, ndi ndalama payekha penshioni. Reviews za mlingo wa kudalirika kwa yamasika anali oipa, kotero kuchuluka chikhulupiriro anthu Zatsala otsika.

za ndalama

Mogwirizana ndi zofunika kumangika kwa ntchito za mabungwe awa ndi boma la chiwerengero chawo chinali kuchepa komanso kumanzere kwawo msika kwambiri - za zana ndi makumi awiri ndi asanu. N'zosadabwitsa kuti nzika zovuta kusankha amene kupatsa ndalama zawo. Izi zingathandize mavoti, yomwe zizindikiro zingapo kiyi zimaonetsa sanali boma penshioni ndalama. Reviews nzika wamba ndi akatswiri adzachulukitsa ena momveka ndi kukuthandizani kusankha. Nazi zitsanzo zingapo.

Munthu woyamba mu Russia, anali sanali boma "Promagrofond 'thumba penshioni. Reviews kumene, osiyana. Pa msika kuyambira m'chaka cha 1994, ali ndi chiphatso lopitirira ntchito ndi, 2004. "Katswiri RA" pa zotsatira za 2012 amaitcha "Promagrofond» mlingo wa "A +" (mlingo kwambiri). Pa zoterezi ziyenera wasinthira kuchuluka olimba a chuma ndi thumba la. Izi zipangitsa kuti vuto la kulephera kwa malipiro kwa depositors wa ku thumba malo N'kutheka kuti ape- makasitomala ndi kupanga ndalama ku malowo. Oposa zana mizinda Russia ndi "Promagrofond" dipatimenti. Komanso, oposa zaka 15 (popeza 1997) pa penshioni ntchito msika ntchito 'Trust' penshioni thumba. Ndemanga za ntchito zake zochokera maganizo a ndalama ndi bwinobwino. Ndi zotsatira za 2011 Fund adalowa pamwamba asanu mwa mawu a kubwerera pa zopereka penshioni ndipo akuti ndi "A" ziyenera "National Mavoti Agency" ndipo mu 2013, kusanja anauka kwa mlingo wa "AA". "Khulupirira" ukugwira ntchito mwa mizinda zoposa 40 Russia.