"Savings Bank", Pension Fund:-Google +, abasebenzi kanye abameli ku Pension Fund, "Savings Bank" isilinganiso Russian

Yini leyenta "Sberbank" (sempesheni) amazwana? Lo mbuzo iyathakazelisa eziningi. Ikakhulukazi labo uhlela ukugcinelwa yabo yokuguga. Into wukuthi eRussia kukhona accumulative uhlelo impesheni. Ingxenye nomholo liyadingeka ukuze uthumele esikhwameni ukuze kwakhiwe izinkokhelo esizayo.

udumo omkhulu ezizimele. Ziyakwazi ezweni kakhulu. Futhi ukhetha isikhungo esithile esisodwa kunzima. Kufanele anikele "Ukulondoloza"? Ngokwazi sempesheni muhle? Yini umbono wakho sakhe uye wazakhela ngesikhathi abasebenzi yenkampani, kanye izivakashi? Abameli cabanga ngalo? Qonda yonke lokhu kuzosiza imicabango yabantu abaningi kulezi zigaba lwabantu. Mhlawumbe lokhu inkampani ngempela azinake?

incazelo emfushane

Into yokuqala udinga ukuthola luhlobo luni lwenhlangano embuzweni. "Savings Bank" Russian Pension Fund ithola ezihlukahlukene izimpendulo. Kodwa kubonakala sengathi kusukela omuhle yokuthi owaziwa mayelana nenkampani, ukuthi lenzani.

NPF "Savings Bank" - lutho kodwa fund ejwayelekile kakhulu impesheni. Kwagcina izimali okukhomba labantu njengengxenye impesheni uxhaso. Izakhamizi uhlu engxenyeni NPF ye namaholo. Khona-ke, lapho sebethatha umhlalaphansi, bathola noma yonke lemali noma ingxenye ngesimo izinkokhelo zenyanga. Okungukuthi NPF "Savings Bank" - indawo isitoreji imali, silahle ukuguga. Ingabe kufanele ngethembe le nhlangano? Yiziphi izinzuzo nezingozi it has? Yini benze abasebenzi, amaklayenti kanye abameli lokhu inhlangano?

nokwethenjelwa Isilinganiselwa

Ukuze anqume, kufanele sinake izinkomba ezifana isilinganiso nokwethenjelwa. Lokhu kubizwa ngokuthi ezingeni lokusimama inkampani futhi nokwethenjwa ngamakhasimende. "Ukulondoloza" (sempesheni) izilinganiso ubuciko uthola ikakhulu omuhle. Kungani? Iqiniso lokuthi inhlangano, ngokusho izibalo, inezinga eliphakeme singaqiniseki. Inkomba nokwethenjelwa isilinganiso isethwe ku uphawu A ++. Inqobo nje akukho ephakeme izilinganiso ithemba.

It kuvela ukuthi amakhasimende uthemba inkampani. Ngaphezu kwalokho, inkampani wafunda libhekene kungapheli kwato. Ngakho, ke ngeke aze avalwe. Ezinye aluleka ukuba sigxilise amehlo kule sempesheni ngenxa yokuthi ukuthi isekelwa ebhange kwegama elifanayo, okuyinto enokwethenjelwa kakhulu eRussia. Abameli aveze ukuthi leli thuluzi - ke kuyisiqinisekiso sokuthi izinkokhelo awunankinga.

nenzuzo

Kulandela isici kunalokho ezibalulekile - isivuno. It ngokuvamile uheha amakhasimende. izimali Private ninikeza hhayi kuphela wonge imali isikhathi sokuguga, kodwa futhi ukwandisa yonyaka wabo kumaphesenti ethile. Iningi lezakhamuzi ngenxa yaleli Inkomba kuthiwa ukuguquguquka izimali zabo NPF.

Kule ndawo, ama-non-state sempesheni "Sberbank" ikhasimende Izibuyekezo wathola akuzona okungcono. abanikeli abaningi basikisela ukuthi umthelela partnership akuyona likhulu kakhulu. Ngokwesilinganiso - 7.5% ngonyaka. Ngezinye elifanayo abasebenzi ngesikhathi inhlangano ekuqaleni wathembisa ukuthi izinkokhelo ngonyaka kuzokwanda 10-12%. Ngenxa yalokhu umehluko, abaningi banomuzwa bekhohliswa. Ngakho-ke, lo "Savings Bank" (sempesheni) ithola negative uhlamvu ukubuyekezwa.

Noma kunjalo, lesi simo uyahamba eziveza zonke NPF. Leli akulona umkhonyovu. Vele umehluko phakathi kuthenjiswa inzuzo kanye izibalo zangempela "odla" nokwehla kwamandla emali. Imali ku NPF "Ukulondoloza" zikhulisa, kodwa hhayi ngokushesha okukhulu kakhulu. Abaningi iphuzu yokuthi uma umbandela esiyinhloko kukhethwa sempesheni kuyinto inzuzo yawo "Savings Bank" kungcono hhayi ukuhamba.

Isilinganiselwa eRussia

Yini okunye okufanele banake? Iqiniso ukuthi isikhwama sempesheni , "Savings Bank" uhlamvu Russian uthola wokubuyekezwa okuvumelekile indawo yakhe ku simo wonke NPF ekhona. Kungani? Le nhlangano uku amabhizinisi kwabayishumi abaphasa ngamalengiso, letitawuba yincenye yetintfo impesheni uxhaso. Phakathi naso sonke ukhona NPF "Savings Bank" akukaze bawa ngezansi endaweni 8 th. Unyaka nonyaka, i-isikhundla washintsha. Ngakho-ke kwanele ukukhumbula ukuthi etadisha inhlangano liphakathi ezingekho ngaphansi kukahulumeni sempesheni kwabayishumi abaphasa ngamalengiso. Futhi leli qiniso ejabulisa eziningi. Ngokuvamile phakathi kwabayishumi abaphasa ngamalengiso ohlwini inkampani esitebeleni kunazo ukuthi singamethemba ngokulinganayo.

Kusukela abangaphansi

Futhi yini "Savings Bank" abasebenzi libuyekeza yesikhwama sempesheni? Phela, ngokuvamile ozimele, usebenza inkampani ethile, ungase umbonise okuhle yenkampani.

Kulokhu, lo kunemibono ehlukene. Ezinye NPF "Sberbank" othile thokozani ungakuthandi lapha. Kunoma ikuphi, igama elifanayo abasebenzi yasebhange abonisa ukuthi inkampani ukuphathwa kunzima ukuncenga abangaphansi ukuba benze iminikelo NPF. Akuwona wonke umuntu othanda lokhu kuziphatha. Kodwa ngenkathi akukho ngokucindezelwa. Isinqumo sokugcina kuphela abasebenzi.

Ezinye izindaba zika-"Savings Bank" (sempesheni) yesimo esihle nemibono etholakele. Sekuyisikhathi eside Inkampani kube, isekelwa yi ibhange elikhulu igama elifanayo. Abasebenzi anikele ngokugcwele izinzuzo iphakethe, kanye nezimo zokusebenza ukhululekile. Njengoba umqashi, NPF "Sberbank" muhle. Hhayi the best, kodwa endaweni efanele ibhizinisi. Ukuthola ngendlela engaguquguquki, nakuba hhayi kakhulu. Noma kunjalo, ukusebenza lapha, ungaqiniseka esikhathini esizayo.

Imigomo yesivumelwano

Isikhwama "Savings Bank" libuyekeza Abameli nemibandela yesivumelwano saphetha ngokukhulula zonke izimali, wathola ikakhulukazi omuhle. Iyawakha isivumelwano enemininingwane ecacisa zonke ezicashile ukudluliswa kweemali komunye inhlangano kwenye. Futhi kule dokhumenti, kukhona izinkomba nemiphumela futhi ukulahlekelwa okuzokwenziwa esekelwe isakhamuzi, uma yahlatshwa ufuna ukudlulisa imali kwenye yesikhwama sempesheni. Zonke zomthetho.

Futhi, yesikhwama sempesheni of "Savings Bank" Russia has a omuhle uhlamvu izibuyekezo yokuthi esivumelwaneni waphetha ngokucacile sicacisa zonke imigomo ukudluliswa kweemali, kanye izinkokhelo okuyinto zizokwenziwa esikhathini esizayo. Uma kudingeka, kusemthethweni ukubukeza izimo.

iminikelo okungazelelwe

Abanye abatshali bezimali bakhala ngokuthi babengakuqapheli lapho ingxenye yabo sezikhalazo impesheni. Futhi babengenawo umqondo mayelana iziphi izakhamuzi zabo imali "isikhathi sokuguga" zigcinwa "Savings Bank". Ezinye ubheke emthethweni we senzo. Nokho, abameli baveza ukuthi NPF "Savings Bank" usebenza ngokusemthethweni. Ukuze le nhlangano inelungelo ungene ezivumelwaneni nabaqashi ahlukahlukene. Khona-ke awudingi ukuthola imvume sencekukazi ngamunye.

Uma akavumanga nokubambisana isisebenzi esithile unelungelo lokukhansela isivumelwano ne yesikhwama sempesheni futhi ukuze uthumele izinkokhelo kwenye inkampani. Nokho, i-"lezimanga" ezinjalo "Sberbank" (sempesheni) uthola umbiko kwamakhasimende akuyona okungcono. Ukuswelakala kokusebenza ngokuhlanganyela isaziso nokubambisana inomphumela omubi phezu imibono abanye abanikelayo.

mayelana yokukhokha

Futhi sidinga ukunaka ehilelekile, njengoba ukuqaliswa izinkokhelo ukonga impesheni. Lesi sici okwamanje inombolo encane yabantu zakala. Kodwa manje le ndawo ine ezinye izimangalo. Hhayi categorical khulu, kepha kumele kucatshangelwe.

Isikhwama "Sberbank" Izibuyekezo ikhasimende uhlamvu omubi wamukela lokho ngezinye izikhathi wabeka nokukhokhwa kwezimali imisiwe. Namuhla kunesimo esithi asifane kwenzeka lonke abaholi NPF. Akumangalisi ukuba. Yebo, nokubambezela ukukhokhela akuzona into emnandi. Kodwa yesikhwama sempesheni namanje ukhiqiza kubo. Nakuba ezinye izinhlangano ezingekho ngaphansi kukahulumeni musa uhlu imali baba ngisho ne ukubambezeleka eside.

Phakathi izinzuzo maqondana Imali ethunyelwe kungathiwa incazelo eningiliziwe imibandela ukudluliselwa imali kanye tibalo walala izinkokhelo ngaphansi inkontileka. Kukhona nkohliso. Akekho futhi akaphiki ukuthi uma kuhunyushwa imali komunye APF nesinye isakhamuzi uzohlupheka ulahlekelwe. Ngisho ubungako bawo eseduze (in amaphesenti) ebekiwe inkontileka ne "Savings Bank".

okutholakele

Yini fingqa? "Savings Bank" - a isikhwama sempesheni, okuyinto ifakiwe phakathi kwababusi izinkampani okuholela eRussia. He is okunokwethenjelwa ngempela futhi zizwakala. Kusekelwa efanayo ebhange igama ngobukhulu Russian Federation. Futhi yilokhu ukuqiniseka amakhasimende.

Ngokombono wezomthetho buka, umsebenzi NPF abanalo izikhalazo. Njengoba umqashi, inhlangano muhle. It unikeza umsebenzi ozinzile endaweni ukhululekile. Nokho, isivuno kusukela "Savings Bank" akuyona kakhulu. Abaningi iphuzu yokuthi inhlangano sevisi kungeyona ngokushesha okukhulu kakhulu. Abasebenzi kancane, kodwa ungathola lonke ulwazi.

Uma ufuna kakhulu engeza ozongela umhlalaphansi, in the "Savings Bank" akufanele sisebenzise. Kodwa ukuze ugcine ezuziwe ingxenye, inkampani wafunda kahle. Manje kuyacaca ukuthi yini ehilelekile 'Savings "(sempesheni). Izibuyekezo, izilinganiso kanye nemibono abameli, okufakiwe ngaphambili ukusiza ukwenza isinqumo esifanele.