Chibatiso mabasa

Inishuwarenzi nhasi kunzi panyaya kudzivirirwa zvinodiwa pamutemo uye zvakasikwa vanhu pachinhu pfuma iri huye inishuwarenzi anoti. The zvoupfumi Chaizvoizvo uye mashandiro anoita inishuwarenzi nokuti kuti orudzi urwu basa kuti rine chokuita ngozi kukuvadzwa kuparadzira pakati inishuwarenzi uye insurers zvakananga.

Insurers - a kushandiswa makambani kuti anopa kuunganidza inishuwarenzi uye kuita mari kana kushandisa zvimwe kukuvara pfuma zvido. Insurers - vari ukuwo, vaya inishuwarenzi kwavo pfuma zvavanofarira.

Kufanana chero rimwe basa, inishuwarenzi wakakurira ingaita kuti upfumi, ane yayo kuchengeteka zvinhu uye yakavakirwa nheyo.

basa Its ndechokuti rinopa chamazuva uye akaramba evanhu kubereka. Izvi zvinoonekwa mutambo, izvo zvinozoita kunotaurwa muna:

- nechokwadi upfumi uye nzanga kugadzikana tichiregeredza nenguva uye azere nekuripira kurasikirwa;

- kutora chikamu rusununguko mari mari makambani inishuwarenzi mu bhizimisi mabasa mumasangano inishuwarenzi siyana;

- Performance zviratidzi akabata kushandiswa inishuwarenzi.

Inishuwarenzi kwakasiyana chaizvo zvinhu zvinoratidza rive chikamu hwenyika. zvinotaurwa dzakadaro inosanganisira zvinotevera:

- the redistribution kuti pfuma kukuvadzwa pamusoro nguva;

- Kuwanikwa ngozi inishuwarenzi (ona kuchengeteka mabasa - ngozi-paakatora chaitika.);

- mutsividzo inishuwarenzi kubhadhara muchimiro vachibhadhara inishuwarenzi;

- kugutsa zvinodiwa vagari kufukidza zvichibvira kukuvadza pfuma.

Economic musimboti mabasa inishuwarenzi dzinoenderana inishuwarenzi basa, izvo kuratidza chinangwa chacho mumagariro. Pakati huru mashandiro - ngozi, chokudzivirira, mari uye kuzvidzora.

Mashandiro chikuru anoitwa inishuwarenzi, runoonekwa kuva nengozi, sezvo basa iri hazvibviri pasina kuvapo ngozi. Ndiye anosarudza Kuvapo uye pakuzadzisa inishuwarenzi. Saka, zviri mukati siyana ngozi basa akabata redistribution kuti mutengo pakati zvose insured vanhu pamusana dzacho chiitiko asingashumbi inishuwarenzi. Zvakakosha kuti ndicho siyana ngozi uye anoita kukura inishuwarenzi zvavo, kuti kwaita maindasitiri matsva uye ayo subspecies.

Security zvinhu zviri pamberi nyevero, izvo akaona tichiregeredza mari imwe mari pamusoro inishuwarenzi Fund vemo mabasa kuderedza kana kubvisa mwero ngozi inishuwarenzi, uye somugumisiro zvakakanganiswa njodzi idzi. In inishuwarenzi zviitiko zvakadaro dzinonzi proactive.

Zvinotevera basa - nemari. Zvinoreva kuchengetedza mari kuburikidza inishuwarenzi pamusoro tipone. mhando iyi yebasa zvakabatana yatinoona inishuwarenzi vanhu nomuongorori evanhu mamiriro ezvinhu uye padanho kubudirira.

Pakupedzisira, kudzorwa basa ndiye nenguva urongwa kubaya inotungamirwa uye kushandisa mari kubva inishuwarenzi Fund, izvo zvinozoita anobva mutemo Dare bhizimisi inishuwarenzi sechipiriso yose. basa iri rinoitwa kuburikidza kudzorwa legality pakati makambani inishuwarenzi, akavhiyiwa inishuwarenzi-chaicho.

Kuwedzera kune izvi, pane dzimwe mabasa kuti vari novimba nomumwe zvakananga mhando yebasa inishuwarenzi. Somuenzaniso, magariro kuchengeteka ishande.