Incazelo, imisebenzi, izici injongo yomshuwalense

Ukuze uqale kulesi sihloko ukuchaza ukuthi yini umshwalense. Leli gama lisikisela uhlobo oluthile ubudlelwane kwezomnotho, yisivikelo umshwalense ukuze izinhlangano noma abantu abangaphandle ezingozini ezihlukahlukene. Lesi sihloko sizohlaziya imisebenzi yomshuwalense, izinhloso zayo kanye nezinhlobo.

Ingqikithi

Njengoba sazi, noma yimuphi uhlobo ubudlelwane kwezomnotho kuhambisana nezingozi ezithile, ngoba kukhona njalo ngokuthi angase alahlekelwe izimali zabo. Ngakho-ke kunengozi kungenzeka futhi likhona welithi "ingozi".

Kusukela iphuzu kwezomnotho umbono, ingozi kungenziwa ngokuthi ematfuba izenzakalo zesikhathi esizayo nemiphumela engemihle. Kuyinto abampofu umphumela ingozi uwukubonakaliswa umonakalo. Izinkampani eziningi, izinhlangano zama ngaphansi khona engcupheni ukuthola isinxephezelo uma kwenzeka ukuthi izimo ezingezinhle yayisazogcwaliseka.

It lingahunyushwa baphetha ukuthi okushiwo umshwalense ukudala izimali umshwalense, okuyinto eyotholakala ngemihlomulo iminikelo amalungu enkampanini yomshuwalense. Uma ingozi kwenzeka, ejensi umshwalense uzokhokha isizumbulu semali ukuze lowo ophathwe kabuhlungu.

Imisebenzi esemqoka umshwalense

imisebenzi Insurance, njengoba umthetho, akudali lutho olusha. It likhona ngenxa ukwabiwa kwezimali, ezivuma amalungu enkampanini yomshuwalense.

Okokuqala Umshwalense eyenza umsebenzi wokusabalalisa futhi uyakulalela ukunxeshezelwa ngokwezimali uma kwenzeka engeyinhle ingozi imvelo. Lokho umsebenzi wokusabalalisa kuqinisekisa inqubo embili ngaso sonke izigaba umshwalense.

Umsebenzi ingozi ngesiqinisekiso impahla imicimbi ehlukahlukene negative okungahleliwe eziholela isiza ekubuyiseleni izinto ezibonakalayo. Yilelo nalelo lungu kuletha amaphrimiyamu ethile yomshuwalense ukuthi yena ngeke abuyele ngemuva kokuphela kwenkontileka zamanje.

Umshwalense futhi wenza umsebenzi izifo. nokuqaliswa kwalo Kwenziwa ngokunciphisa lobulukhuni nobungozi futhi imiphumela emibi yimuphi umcimbi insured. Lokhu umsebenzi oyokwenziwa sibonga ngezimali ukuze ezimalini izinyathelo zokuvimbela ukuba, ukulawula okwasekhaya imiphumela emibi izingozi, izinhlekelele noma izingozi. Ukuze bakwazi zingakusebenzisi lokho, kuzomele udale i-umshwalense isikhwama esikhethekile.

Umshwalense futhi wenza umsebenzi yokonga. Lokhu kusikisela ukuthi ababambiqhaza yesikhwama umshwalense ngeke ukwazi ukulondoloza isamba okusinda ngokusebenzisa umshuwalense. Lolu hlobo lwe-ukonga kwabangelwa nesidingo sokuvikela ukuphela kwengcebo yabo sesivele izuzwe.

Umsebenzi yokonga evumela ababambiqhaza yomshuwalense sikhonjelwe ekutholakaleni amanani ukutshala imali yesikhwama futhi inkampani yomshuwalense enze inzuzo ngenxa umsebenzi inkampani.

Umshwalense futhi yenza umsebenzi wesikweletu. Kuyinto umbuzo amaphrimiyamu ukukhokha imbuyiselo.

Umsebenzi control kuyafana ku esisekelweni esifanele kanye nokusetshenziswa okuhloswe kwezimali eza kuwo.

Injongo umshwalense

Injongo eyinhloko umshwalense ukuvikela abenzi yesikhwama umshwalense. Abantu abengeziwe bayakwazi ukuheha inkampani, inhlokodolobha ngaphezulu ke anazo. Ngakho, injongo yomshuwalense yikhono ukuyoba umphakathi eliphezulu futhi enokwethenjelwa Ukuvikelwa lomshuwalense zonke izinhlobo izehlakalo ezimbi.

Banikezwe isikhundla macroeconomic yomshuwalense, injongo yayo kungabuye ngokuthi ekuqongeleleni imali eziye ikhokhwe Isikhwama umshwalense abahlanganyeli kanye ukutshalwa kwezimali lezi zimali ku emnothweni. Kahle abakhethiwe umgomo yomshuwalense kanye bakwazi ukunquma ekulenzeni libe namandla. Ukuze kwezakhi, kungenzeka ukusebenzisa Ukusabalala yokuvikela umshwalense amaklayenti ingozi, kanye nokuhlinzekwa izinga umshwalense ngayinye yalezi izingozi.

umshwalense ayimpoqo

Injongo umshwalense ayimpoqo yikhono isinxephezelo ngoba umonakalo ukuthi owenziwe impahla ngesikhathi yezokuthutha impilo abagibeli. Akunandaba ukuthi hlobo luni ezokuthutha nomthamo uhlobo yasetshenziswa. Kulokhu, a amatemu ajwayelekile umshuwalense ukuze wonke amakhasimende, kanye isimo ukukhokhelwa izisulu.

umshwalense okuyimpoqo isimiso isiqinisekiso isinxephezelo for umonakalo okuholela zokuthutha kunoma iyiphi into yokuhamba. Zonke izinkokhelo umshwalense kwenziwa bangakunaki ukuphila lokumiswa umshwalense noma imbuyiselo, esungulwe ngumthetho Russian. Usayizi yomonakalo kanye indlela nokubuyisela kunqunywa kungakhathaliseki ukuthi ezokuthutha isetshenziswa.

umshuwalense social

Umsebenzi oyinhloko umshuwalense social ukunikeza usizo lwezimali lokusiza labo imikhakha ehlukene yabantu oVikelwe ngubani, ngenxa yezimo ezithile, aye alahlekelwa incazelo impilo.

Ngakho-ke, lapho khona ngezinhloso zokuphepha komphakathi:

• ezinikezela izinkokhelo zesikhashana ukuba imiphakathi ekhubazekile;
• inkokhelo ukuze abantu abakhubazekile ngenxa izinhlobo ezithile izifo;
• enifeza izinkokhelo ku zokuzalwa;
• ukuhlinzeka inkokhelo yemali omama abanakekela izingane ezincane;
• ngosizo lwezimali olunikezwa abantu ekhethekile ngesikhathi ukwelashwa spa;
• nokukhokhwa nezinzuzo ezingokoqobo lapho kuzalwa umntwana;
• futhi usizo lomphakathi ukuze labakhubazekile yokufuna amadivayisi wokufakelwa, nezinsiza ukuvuselelwa kanye imishini sabakhubazekile.

ayimpoqo umshuwalense social imigomo enqunywe isimo. Lokhu kwenziwa ukusiza iqembu ekhubazekile.

Kukhona okulotshiweyo ngezinhloso yomshuwalense okuyimpoqo nomphakathi. Lo mbhalo kuyadingeka ukuze ugcwalise nalabo abafuna ukuthola umshwalense zomphakathi ezivela isimo. Uma ningabakaKristu isigaba sabantu abangakwazi ukusebenza, isimo ngeke ngempela ukukusiza.

umshuwalense wezempilo

Lolu hlobo umshuwalense ifomu labalulekile eluLwimi Ukuvikelwa impilo yabantu.

umshwalense wezempilo - inhlanganisela izinhlobo eziningana nomshuwalense ukuthi bakhokhele ngokugcwele noma kancane abantu kwesamba ukwenza izinkonzo ezihlukahlukene zezokwelapha.

Injongo eyinhloko umshwalense wezempilo ukuqinisekisa izakhamuzi ilungelo lokusebenzisa izindlela ukuthola ukwelashwa ezimweni izifo kokuthola, ngenxa Isikhwama zanqwabelana kwezimali.

Pension lomshuwalense

Pension umshwalense - lokhu okubalulekile ukuhlinzeka izakhamuzi lapho kuqala kokuthatha umhlalaphansi. Lolu hlobo umshuwalense ungaba ezinhlobo ezimbili: kwasobala nokwabantu ngabanye.

Eyokuqala wabo ngokugcwele kuqinisekiswa State, futhi inqubo yokuthola sihamba ukulawula elisemthethweni, nimbize yesibili afakwe ezihlukahlukene ongakhetha, ikhumbula zonke umehluko wemisindo nemiqondo yamagama.

Izinjongo umshwalense impesheni aqinisekisiwe ngokuqinisekisa abantu abadala indinganiso ehloniphekile nawo ezingeni lekuphila. Kahle kahle, umehluko ukutholakala izimali ezanele kule yokusebenza kanye nempesheni isikhathi akufanele obonakalayo futhi.

izimiso zokuphepha

Njenganoma yimuphi olunye uhlobo lomsebenzi, umshwalense linezimiso lalo. Ngakho, kubaluleke kakhulu is isimiso kwefrakshini, okumele ihambisane ibhalansi phakathi kwemali kanye engenayo inkampani yomshuwalense. Yiqiniso, izingozi zingayisongela abantu abaningi kakhulu, kodwa empeleni cha bonke of them kuholele okuvela kuyo umcimbi insured.

esimweni ngasinye ukukhokhelwa umshwalense oyokwenziwa kuphela iminikelo amalungu inhlangano abaphuma ukugwema ingozi oVikelwe.

Ngenxa yezizathu zokuvikeleka esivela isimiso randomness. Lokhu kusikisela ukuthi oVikelwe may kuphela lezo zenzakalo ukuthi kukhona esivela kuwuphawu okungenzeka kanye randomness.

imisebenzi yezokuphepha

Injongo nezinselelo nokuvikeleka ethinta izinto ezizenzayo kakhulu umshwalense inhlangano. Imisebenzi esemqoka kuyoba khona oyisibopho izici ezithile, okuyilezi:

• ilungiselelo zokuvikeleka komphakathi ukuze insured wonkana, kanye nokusetshenziswa esiyisibopho zonke izinkokhelo elicacisiwe inkontileka;
• iqhaza ekusekeleni ukuzinza kwezezimali ohlelweni lokunakekelwa kwezempilo sika;
• kuvikeleke izidingo ezihlobene ukongiwa impahla izinhlangano ezingokomthetho kanye nabantu.

Ukuze ekusetshenzisweni kwamanye ngemfanelo bonke emigomweni yenkampani ngayinye umshwalense kulawulwa iziphathimandla zikahulumeni.

Izinhlobo ezinkulu umshwalense

Njengoba kushiwo ngenhla, ngenhloso umshuwalense ukuvikela abantu abathintekayo kudalwa esikhwameni umshwalense. Umgomo ayiguquki e nanoma yikuphi ukuphepha indlela.

Cabanga ngalokho izinhlobo umshwalense khona:

1. Private. Kulokhu, into yomshuwalense izintshisekelo esikubo ihlobene kanjani impilo, ukuphila, amandla kanye izimpesheni. Lezi zihlanganisa yomshwalense, ingozi kanye umshuwalense wezempilo.
2. Impahla. Kulokhu sikhuluma khona izithakazelo impahla ezihlobene nokusetshenziswa kanye nobunikazi bendawo ethile. Lezi zihlanganisa lomshuwalense umlilo kanye nezinhlekelele zemvelo, kanye nokulimaza impahla yabanye.
3. Ugibe yomshuwalense. Lapha into yomshuwalense kuyothathwa wemfanelo kwezinye izakhamuzi noma izinhlangano. Lolu hlobo lwe-umshwalense izonikeza ukuvikeleka okwenele ngomonakalo empilweni noma impahla ezinye izakhamuzi noma izinhlangano.
4. izingozi Business. Into ibhekwa njengeBhayibheli izithakazelo impahla okuyizinto ezihlobene nokubuyiselwa ukulahlekelwa noma izimali lost ekuqhubeni umsebenzi. Lezi zihlanganisa idiphozi umshwalense, ingozi lokukhokha, iziqinisekiso zezimali, ukuthekelisa nokubonga.

okutholakele

Ukuze aphumelele kunoma yiluphi uhlobo lomsebenzi, kudingeka ucabangele lokho nezingozi ungase ahambe. inkampani yomshuwalense Kahle bayowusebenzisa ukukunikeza Ukuvikelwa.