Deposit inishuwarenzi. The pamazita mabhanga dziri dhipoziti inishuwarenzi hurongwa

Deposit Insurance System (Zvanzi) - nzira kudzivirira kuti bhangi deposits ose vatengi. Iyi purogiramu inokosha chinozoiswa neHurumende. In zvinoitirwawo nyaya panjodzi inishuwarenzi (eg kusauka) of Deposit Inishuwarenzi Agency (LETSATSI) mu pfupi inobvira nguva ripa depositors yose mari kare zvinoitwa navo, uyewo anosika mazita mabhanga dziri dhipoziti inishuwarenzi hurongwa.

Nheyo nokushanda Russian ehurumende CERs

Nokushanda mamiriro ichi maererano FL № y77-FL pamusoro 23.12.03 Chinangwa chikuru chemusha ehurumende yose kwava (mu zvinoitirwawo kugumiswa yacho rwezvemabhengi mamiriro) kudzorera investor mari yake yose tichiregeredza vamwe bhuku, riri mari zvachose pasina munhu uye chinhu. Mukuwedzera, investor hakudi anowedzera kugumisa pamwe chete mubhengi maumbirwo rinokosha chibvumirano zvipo inishuwarenzi. The pamazita mabhanga vanobatanidzwa dhipoziti inishuwarenzi gadziriro, chinosanganisira zvose nemasangano avo emari kuti dzinoita mabasa akafanana.

mabasa ose Agency

The chikuru basa iri Agency ndiko kuti ave nechokwadi chokuti basa ezvinhu inishuwarenzi pakati deposits muviri vanhu mari. Rights yoashandisa zvose zvinhu uye zvokukura bhangi ukama, Central Bank uye depositors. The chikuru mashandiro anoita tsika:

• Control muzadze inishuwarenzi Fund, vachibatirira muunganidzwa zvipo vemapato.

• Zvinhu mabhanga dziri dhipoziti inishuwarenzi hurongwa: rokuzvidavirira wayo, kuchigadzirisa.

• nekurangarira mharidzo depositors, kugamuchirwa zvikumbiro dhipoziti dzosera.

• Huwandu mari.

• Chinonzi mamiriro ezvinhu uye nzira kuti bhangi kubhadhara Masvomhu.

• Investment kuti yemuraudzo mari nechinangwa zvimwe kwemari maererano mitemo yaivapo.

• The chinodiwa mashoko anotsigira pemahombekombe pamusoro kushanda rose inishuwarenzi mamiriro.

• Appeal kuna Central Bank riri kushanda matanho akakodzera mabhanga, izvo chibharo zvawaitaura.

mapato CERs

Nhengo ino ndiyo vatengi vari rwezvemabhengi nemamiriro Russian Federation:

• Banks kuti vakagamuchira rezinesi kuitisa mabasa nevanhu, kureva pemahombekombe dziri dhipoziti inishuwarenzi hurongwa.

• Deposit Insurance Agency.

• CBR. Zviri pamutemo chinhu ino.

• Vagari of Russian Federation, pamwe mamiriro munhu.

• SP vasina pamutemo, asi kuzarura nhoroondo kuti kushanda kwomudzimu iri nyanzvi hwaro (avdokaty kana notaries).

• Vamwe masangano, idzo uyewo zviri pamutemo, uyewo mabhanga, kare kuzivikanwa sezvo masangano kupa minamato inishuwarenzi.

Izvo mabhanga vanobatanidzwa mune hurongwa dhipoziti inishuwarenzi fanira muna Russian Federation? Mhinduro rinobatanidzwa zvikuru mabhanga zvose. Hapana pamahombekombe haagoni kuwana rezinesi, kana kwete bato kuna CERs. Somunhu wehurumende kudzivirira gadziriro kuti bhangi deposits mu Russia kubvira 2003, pane hurongwa mari dhipoziti inishuwarenzi (SSDV). Chinangwa ino kuripa rehurumende deposits imwe mari tsime, kana kwave kune kumira mabasa chevanorwara zvemari, chikamu pamazita mabhanga pokuita munyika yose inishuwarenzi kwairayirwa mipiro. Tinoda mamwe zvemari tsime - inishuwarenzi chengetedza Fund. Akanga kuumbwa sangano inishuwarenzi. Hwaro replenishment (mumwe wandei) uye Russian Federation vari nemabhangi kuti vanoda kushanda pamwe ndokuendeswa. Uye pashure pokunge ava nechokwadi nomupiro mari kuti dura pavane nemabhengi vane kodzero marezinesi kuti ishande pamwe chaiko vanhu. The Fund iri kukasawedzerwa ne nemabhangi iri Quarterly hwaro. Huwandu muripo kwakadaro wakasiyiwa Board Directors. Ndizvo zvakafanana nhivi dzose, asi dzimwe nguva kaviri kururamiswa, izvo zvaizoitawo chinogona inobva kuitika upfumi uye nevamwe.

Insurable deposits

Inishuwarenzi pasi deposits, izvo kunohumwe mari. Kana chiitiko insured zvaitika, investor reimbursed yose mari, asi isingadariki mamiriyoni 1,4 rubles. The hwaro inishuwarenzi uye anoshanda sezvo zvibvumirano vakagumisa mapato ari hwomukova nhoroondo muzita mutengi yarwo.

The pamazita mabhanga pokuita dhipoziti inishuwarenzi hurongwa

Chero mubhengi mamiriro ane ukama chaiko vanhu pachishandiswa ari rezinesi rwuripowo Agency remazita. Uye nekwekupedzesera - chero pamahombekombe vakati remazita ane rezinesi kuti mabasa chaiwo vanhu. Kana zvisiri mumagwaro pamazita mabhanga vanobatanidzwa dhipoziti inishuwarenzi hurongwa, zvino hazvibviri kuti ndiitise akakodzera kwema. Bank anopinda akati pasi chete kana mari zvimwe zvipo kuna inishuwarenzi Fund. Uye sangano inishuwarenzi, uyewo, ane simba kuti asava chero kubhengi uye nokudaro kuchinja pamazita mabhanga dziri dhipoziti inishuwarenzi hurongwa. Chete nyaya mbiri, kubhangi anogona dzadzimwa kubva zvawanyora:

• Kudzimwa kwechikwereti rezinesi uye arega kushanda.

• The nokuiswa Central Bank of moratorium pamahombekombe maererano zvaidiwa chikwereti.

Iye zvino, kubatanidzwa mahombekombe wegadziriro rokubva inishuwarenzi pakati deposits evanhu kuti pasi, izvo zvinosanganisira zvinopfuura 1,000 masangano.

Chokutanga, zviri zvose guru uye anozivikanwa masangano ane ano Russian rwezvemabhengi, vari pakati pavo;

• Sberbank;

• "Gazprombank";

• "Alfa-Bank";

• "Agricultural Bank";

• "Raiffeisenbank" uye vamwe.

Uyezve, dhipoziti inishuwarenzi uye rutsigiro shoma-anozivikanwa sangano: "Plus Bank", "Jay-Bank", "Cedar" uye nezvakadaro.

Kuwana mazita mabhanga pokuita dhipoziti inishuwarenzi system (dzinokwana 800), zvakakwana kushandisa kuna Agency. The pamutemo Website pamusoro sangano rinopa zvose zvakafanira mashoko. Naiyewo anopa mashoko pamusoro mabhanga, vakanga vakarasika kodzero kuitisa mabasa kuti bhizimisi mari yayo kuti nhoroondo zvakasikwa vanhu kana kuti kuita vagari mari inishuwarenzi.

Zvinangwa uye mashandiro ari Fund

mamiriro ichi zvemari akasikwa sehwaro nokushanda kwenhengo yevagari mari mubhangi inishuwarenzi mashandiro. Huru uye pamwe chinangwa chacho chete ndiko kudzoka yose uwandu panodonedzerwa vanhuwo zvavo, vari vatengi sei kugumiswa kubhangi kuti kushanda nemhaka ipi zvikonzero vapenyu. Fund iri zvizere pfungwa mhando mari kwakaitwa kubatanidzwa mabhanga dhipoziti inishuwarenzi hurongwa, uye kubva purofiti kubva wemari investvlozheny pachavo mari.

Nzira huru muzadze unganidza

1. Mamiriro wokurarama Fund vamwe mari kubudikidza Central Bank of Russia. Pari, mari iyi yakaenzana mabhiriyoni 7,9 rubles.

2. pokuita pemahombekombe ezvinhu dhipoziti inishuwarenzi fanira.

3. Income kubva investvlozheny Nehunde mari iri kuchengetedzeka nemasangano kupfuura vari deposits of Bank of Russia. Investments yaitwa bedzi achiita zvaidiwa zvinodiwa mutemo yeUnited nemasangano asiri mubereko siyana basa.

The chikuru cho ndiri vachifarira ayo rusununguko kubva chero hurumende masangano uye mabhanga. Izvi zvinosimbisa kuti vamiririri vake hazvigoni kushandiswa zvimwe akavhiyiwa kunze muripo inishuwarenzi dhipoziti. An chinokosha runoratidza mamiriro uyu kuti vamiririri vayo havasi kushandisa vairangwa nokubatira masangano zvemari akanyoresa pamazita mabhanga dziri dhipoziti inishuwarenzi maitiro uye kuitisa mipiro.

Features vemamwe mari deposits

Deposits mu pemahombekombe vokuRussia chero wokumwe mari aifanira inishuwarenzi. Zvisinei, ziva kuti chiitiko chimwe chiitiko insured inofanira reimbursed ari Ruble shanduro. Saizvozvowo, recalculation rinoitwa maererano CB pamusoro currency Gengi, rave midzi panguva apo mamiriro ezvinhu kwamuka inishuwarenzi. Huwandu inishuwarenzi indemnity zvakare imwe zana muzana zvachose kukura mubhangi, asi isingadariki mamiriyoni 1,4 rubles. Kufarira rate vemamwe mari deposits vari kufungwa nezvazvo ari kudzoka. Murayiro kudzoka pane dzimwe mari deposits yakafanana Ruble deposits.