Zolipirira mbali ya penshioni mu ndalama Bank: Ndemanga

Ndi mapangidwe ndalama penshioni ayenera kulankhula mwanzeru. Choncho, pamaso inu kulemba zikalata, m'pofunika kuphunzira mwatsatanetsatane mbiri ya kampaniyo ndi kupeza zinthu ndalama. Kupeza ndalama zitha kuthana ndi PF pagulu kapena pamalo obisika. Zambiri za mikhalidwe imene m'mawa ndi gawo ndalama zolipirira za penshioni ku Bank ndi ndalama werenganibe.

SPC Security

Sberbank - Russia a zopezera ndalama gulu, limene lili ndi mabungwe ngongole komanso NPF. inawo anakhazikitsidwa mu 1995. layisensi A ntchito ndalama penshioni analandira mu 2009 chokha. Maziko amapereka ntchito zotsatirazi:

1. Non-boma penshioni phindu kwa anthu.

2. Insurance mapulogalamu ngati kuvomerezedwa:

• ndalama Investment anasonkhanitsa;
• malipiro wosakwatiwa, kapena moyo ubwino nthawi;
• kamba co-ndalama za boma.

National Mavoti Agency anatumizidwa ku Fund chizindikiro chapamwamba "++ A". Pa ntchito ndalama za bungwe angapezeke pa webusaiti bungwe.

Mu 2013, chiwerengero cha nzika kutchulidwa ndalama mu SC NPF, anali miliyoni 1. Man. Ndipo mu chaka ndi theka fanizo kawiri. Mtengo okwana ndalama mu 2013 -. 72 mln Opaka. Onse kubwerera pa ndalama pa 52%, ambiri mlingo kufufuma kwa yapita zaka 4 - 33,88%.

zikhalidwe

Zolipirira mbali ya penshioni ku Bank ndi ndalama adzabweretsa ndalama zambiri, chifukwa kuthekera gulu penapake timapangira poyerekeza ndi mabungwe ena ofanana. Kusamutsa ndalama NPF, muyenera:

• funsani kampani ya nthambi ndi pasipoti ndi SNILS;
• kusaina mgwilizano wa inshuwalansi penshioni (Ops);
• kulemba mawu m'boma la PF kusamutsa ndalama maziko payekha.

Documents amavomerezedwa mpaka December 31 chaka chilichonse.

A phindu kudzera Sberbank

Kumasulira mbali olipiridwa wa penshioni kuti NPF kungakhale kamodzi pa chaka. Sberbank kusankha monga gulu kudzikundikira ndalama, makasitomala angadalire chakuti iye sadzakhala ndi kuima mu mzere akuyembekezera malipiro lotsatira. ndalama zonse anasamutsa mwachindunji kwa ndalama Bank map. Mautumiki kulembetsa lankhulani ndi a dipatimenti ndi pasipoti ndi satifiketi, lembani mwapadera kuti mudziwe malipiro ndi awadziwitse PF pa kusintha kwa penshoni kwa zinthu zatsopano. Pambuyo pake, makasitomala angathe kutuluka ndalama kudzera ATM iliyonse yapafupi, sakatulani bwino internet, sintha zidziwitso SMS za gululi chimachititsa m'nkhaniyi lidatseguka OJSC "Sberbank la Russia".

Zolipirira mbali ya penshioni mu funso

Mu 2015, mikangano kwachititsa kwambiri wakuti Boma la kuletsa mlandu kudzikundikira. Malinga ku Unduna wa Zachuma muyeso umene udzabwera ndi ndalama bajeti ya $ miliyoni 370. Rubles. chaka, koma ndiye kutha gwero la "yaitali" ndalama NPF ndi Vneshtorgbank, amene amasamalira ndalama za boma kuti aganyali zankhaninkhani, 3. pakani. m'magulu zoweta.

Chuma yomweyo zinkamveka mantha. Kuletsa gawo accumulative kungabweretse kuchepetsa mlingo m'malo 25% pa zaka 10. Insurance penshioni ndi osanjidwa likuvutika ndalama bajeti imene 2018 kungakhale kosakwanira. Chifukwa cha malipiro kuyambitsanso ndalama kwa pensioners adzakhala yafupika. RPF salinso kupirira katundu. Theka la malipiro ndalama ndi bajeti feduro. Zovuta zaziwerengero zinthu mu dziko, ndi kuchoka oyambirira Russia anapuma (55 zaka 60 ndi 63-64 mu mayiko EU), ndi gawo mkulu wa mthunzi chuma kumawonjezera yekha katundu pa NPF. Izi zikutanthauza kuti kusintha kwa ndalama boma nawonso kukula.

mfundo

Chifukwa chokha kusintha angakhale oipa Kobwerera weniweni ndalama. Pa zaka zapitazi 5, profitability wa Vneshtorgbank anali 28,9% ndi mlingo wa kufufuma - 46%. Mavuto okhazikika m'dziko zimawonjezera vutoli. Malinga ndi zimene malipoti a akatswiri, anthu sakhulupirira za NPF ndi kusintha iwo mmodzi ndi mmodzi chaka chilichonse. Chifukwa, mabungwe ayenera tionenso chuma. Aganyali ntchito nthawi yaitali iwo alibe mwayi.

Nzika anayamba kudandaula kuti boma akufuna splurge pa zasungidwa tsogolo lawo. Koma chuma amati izo siziri. gawo Accumulative amene aumbike mwa 6%, adzatumizidwa anamaliza malipiro inshuwalansi. Russia muyenera kutsatira ofesi PF ndi kulemba mawu za kulanda ndalama. Ndalama Bank - limodzi la mabungwe amene zolipirira mbali ya penshioni, mulole kusonkhanitsidwa. Kasitomala ndemanga chikutsimikizira kuti nthawi zina zoterozo njira yosavuta kalembera, mavuto. ziganizo, ndi ndalama zina kodi sanafike m'njira yake likuvutika nthawi yaitali kwambiri amaonedwa.

kapangidwe

Anthu ambiri sakudziwa mmene kuumba tsogolo la penshoni. Chilinganizo kunja zikuwoneka woopsa kwambiri ndi zovuta kuzimvetsa. Koma zambiri mumapindula. Amakhala ndi zigawo zitatu:

• inshuwalansi gawo aumbike mwa ndalama za malipiro (C);
• penshioni zofunika, kuti munthu adzalandira Mulimonsemo pang'ono mu moyo wanga ankagwira (B);
• anapeza gawo 6% ya malipiro (H). ndalamazo munthu angathe kutaya zawo ndi gulu limene lili zikugwira ntchito zotolera ndalama. Izi zikhoza kukhala kasamaliridwe kakatundu kampani (CC) kapena NPF. N'zotheka Mwachitsanzo, kusamutsa ndalama mu ndalama. Translation gawo accumulative wa penshioni ndi chikalata mwachindunji ku nthambi ya bungwe ngongole.

mawu awa atatu ndiye kuchulukitsa pa mitengo yapadera kuti amadalira kutalika, kukula kwa malipiro, ndi zina zabwino zina. Chifukwa cha chilinganizo ali mawonekedwe:

Penshioni B = K1 × + K2 × K3 × C + N.

boma akufuna kusintha koyefishienti mawu akuti lachitatu "0".

Monga tanenera mu ndemanga, osati onse ku Russia kutchulidwa gawo accumulative za penshioni ku Bank ndi ndalama kapena china NPF. Pali gulu la nzika kusankha kusamutsa ndalama VTB. Amenewa "chete anthu" boma akhoza kusamutsa mbali zolipirira inshuwalansi penshioni. Chifukwa cha zimenezi, milandu zingawonjezere kwa 16% 22%. Kuchuluka okwana penshioni nawonso tidzasandulika, koma osati mu mbali ang'onoang'ono. Ichi ndicho kusintha latsopano. Pamene iye anakana. Koma mwina funso la kuvomereza adzaukanso m'tsogolo.

The mavuto chachikulu cha utumiki

Pa maonekedwe, mungapeze ambiri amadandaula za yaitali njira zolembedwa. Ngati munthu akufuna kusamutsa ndalama kwa anthu kuti PF payekha kapena Code Wachifwamba, ayenera kulemba mawu mu nyumba onse mpaka 31 December chaka chino. Akamaliza za ndondomeko ndi anatumiza zidziwitso za kuchuluka debited ndi ndalama analandira kwa nkhani ya NPF ndalama Bank. Zolipirira mbali ya penshioni, ndi kuchuluka kwa zopereka zimene panopa waima pa 6% tidzakwatulidwa lolipiridwa ndi March 31 chaka chotsatira. Koma ndemanga wosuta kuti mawu amenewa nthawi zambiri linaphwanya. Apa inu mukhoza amalangiza chinthu chimodzi: pamene nthawi adzaitana pa onse bungwe ndi kupeza chimene chinachitika kwa ndalama. Mofanana mabvuto, kuweruza ndi ndemanga a pensioners ikutuluka nkhani ya kulanda ndalama ku Bank ndi ndalama kuti NPF wina. Mozama mu lamulo lomweli monga mwa chikhalidwe m'mbuyomu. Ndalama ayenera anasamutsa mpaka 31 March chaka chamawa. Choncho, ngati kasitomala ali anagonjera ofunsira mu April chaka chino, iye kudikira miyezi 11.

Malinga ndi mfundo za chuma, pachaka avareji mlingo wa kubwerera Security NPF ndi 5-6%. Koma mapulogalamu ndalama zambiri thumba, osati chakuti onsewo adzabweretsa ndalama. Komanso, anthu thupi kawirikawiri kusintha NPF. makasitomala mwina wotereyu padera mu yaitali chokhala gawo la penshioni ku Bank ndi ndalama. Reviews Russia zimatsimikizira kuti zotsatira za zokolola 2011-2012 ndalama anali 0%. Chosakhutitsidwa anthu mu zaka za misa kutengerapo ndalama kwa NPF wina.

Zolipirira mbali ya penshioni mu ndalama Bank: ndemanga kasitomala

Atalipenda Russia ndemanga za khalidwe la ntchito ndi mlingo wa wodziwa zambiri, tingasiyanitsire zotsatirazi ubwino waukulu mogwirizana ndi gulu:

• The osachepera anapereka chikalatacho. Kusaina pangano ochepa okha pasipoti ndi SNILS.
• processing liwiro. Mayiwo akhoza kulemba ntchito chilichonse cha nthambi banki yapafupi. Patapita masiku angapo ndodo adzaitana angakonze nthawi kusaina mgwirizano.
• Wodziwa zambiri. bwino Akaunti angaonedwe kudzera "Akaunti Yanga" pa webusaiti SPF.

Kuipa (kuweruza ndi ndemanga makasitomala kampani):

• yokonza atafunsira zotsatira za ndalama ndi masiku 30-60;
• pafupipafupi zolephera luso mu dongosolo;
• Security NPF ntchito, ngakhale yopindulitsa, koma zokolola za Records ukugunda.

Pomaliza

Russia akhoza mosadalira kusankha bungwe adzakhala chinkhoswe mu kudzikundikira mbali olipiridwa wa penshioni awo. Mmodzi wa NPF waukulu mu dziko linakhazikitsidwa ndi Bank ndalama mu 1995. Monga cha 2013, 1 miliyoni. Ku Russia anam'patsa pantchito ndalama zawo. pamalowo ukugwira phindu. Maganizo za gulu anachoka kwambiri wolakalakika. madandaulo ambiri kasitomala kugwirizana ndi Pomalizira kupeza mfundo zotsatira za ndalama ndalama ndi nthawi ya ndondomeko ya kulembetsa kutengerapo ku APF wina ndi mzake.