MariMabhanga

How zvakawanda huwandu insured deposits mune mabhanga?

Usati uvhure rubatso mubhengi, unofanira kuva nechokwadi chokuti sangano iri chikamu ari dhipoziti inishuwarenzi hurongwa (Zvanzi). Nepfungwa huru wepurogiramu - iri Implementation wavapenyu kubhadhara kuti vatengi kubvira yakazvimirira kupi (mari) panyaya revocation yacho rezinesi. Saka, kunyange pamberi kutanga liquidation kurapa depositors kuwana mari yavo shure. ruzivo International zvinoratidza kuti kwakadaro hurongwa anosimudza chihuri kuti mutengi chivimbo uye kuderedza mari yokukurira dambudziko.

Izvo mabhanga vari insured

MuRussia, nzira iyi hunodzorwa pamurairo chete zita, uye haatarisiri mhedziso zvimwe chibvumirano. Agency - With sangano chinokosha mamiriro akasikwa 2004. Kuti kutarisira hurongwa Deposit Insurance Agency (LETSATSI). Zvinonzi mubasa paumbwe yokunyoresa pakati depositors, uye issuance mari. Banks, deposits vari insured neHurumende: nemari VTB (24), Gazprom, "Alfa", "Bank of Moscow," "UniCredit" "Promsviaz" MDM "Raiffeisen" "remarara", "Citibank" uye nezvakadaro. . mazita Izvi zvinosanganisirawo mumwe 840 zvikuru nezviduku zvemari masangano.

Chitsama insured dhipoziti mune mabhanga muna 2015 ndiyo mamiriyoni 1,4 rubles. Rinosanganisira zvakasikwa vanhu mari (01.01.2014 gore - SP), akaisa muchimiro nguva deposits zvinoda deposits, mepu (aft chikwereti) uye ari munhoroondo. Panyaya iyi, tsika inofanira vakanyorwa pamusoro munharaunda Russian Federation. State haripi:

- mari kunyoreswa simbi nyaya;

- deposits kuti mutakuri;

- zvinhu hwakatamisirwa chivimbo utariri;

- deposits vari matavi vatorwa pamusoro Bank;

- anotamisa kuti anoteererwa pasina kuvhura account.

Huwandu insured deposits mune mabhanga: Concept

Deposits vane chikwereti masangano vokuRussia kudzivirirwa neHurumende. Sezvo inception of Deposit Inishuwarenzi Agency uye musi 31.12.2014 huwandu insured deposits mune mabhanga vakasvika 700 zviuru. Kuzora. por vatengi. Kubva gore rino, nhamba kaviri. Izvi zvinoreva kuti kana mutengi deposits anoverengeka yakawanikwa mapazi akasiyana zvakafanana chikwereti kupfungwa, ipapo kufungwa yaipedzerwa mari pamwe mubereko. Kana revocation pamusoro rezenisi iri mubhengi achava pasi dzosera chete mipiro iri uwandu mamiriyoni 1,4 rubles. Deposits kuti kupfuura nhamba iri rirege ndanyarara hangu. Kuripwa inishuwarenzi inopfupikisa zvaisanganisira LETSATSI.

Banks, deposits vari insured neHurumende, mumwe chikamu vakakwereta mari vari hwakatamisirwa rubatso. zveminda izvi, uyewo mari yakagamuchirwa kubva Central Bank, inoshandiswa kubhadhara kuti depositors chikwereti pakuparwa revocation of rezinesi.

ngozi

Punzikira urongwa deposits vakarerwa chero mari. Asi vanoonekwa akachengeteka zvikuru deposits mu rubles. Panguva chiitiko munhu kuderedza National mari, deposits mune madhora, Maeuro nezviratidzo makirogiramu kutanga kukura. LETSATSI anoripira mipiro mu rubles, ari Bank of Russia Gengi musi revocation pamusoro rezinesi ane sangano zvikwereti. Pane ngozi maviri. Chokutanga, pamwechete simba kuderedza pamusoro Ruble dhipoziti mari anogona kusapfuudza unovimbisa mamiriro. Ipapo investor mari dzavo dzose havazogamuchiri. Chechipiri, kurasikirwa kunogona kuumbwa nokuda huru musiyano pakati pamutemo uye musika Exchange.

The algorithm

CERs uchapinda simba mushure revocation pamusoro rezinesi pakati kubhengi. Zvadaro vanoita vanogona kushandisa kuti LETSATSI nezvaidiwa kudzorera dhipoziti. Muchiitiko chino, unofanira kupa:

  • chikumbiro;
  • gwaro certifying kodzero kunomhangara pamusoro venhaka, kana simba gweta.

LETSATSI anofanira kupa yeGmail.END_STRONG mushoma kubva kunyoresa mazita nokubatira pamahombekombe pamberi pake. Mari inofanira kubhadharwa mukati 3 kushanda mazuva, chero kuti yave kwevhiki dzinopfuura maviri kubva musi caffeine of rezinesi. Kana mari hariguti aimbova Contributor, anogona kunyora kushanda kuti LETSATSI. Nokuti bepa unofanira kuita mazita zvinyorwa achisimbisa Kodzero kupfuura zvakanakira.

Reform pamusoro CERs

Mumwedzi 9 months zviri 2014 rokutanga Central Bank macheki hadzina vakapfuura 40 zvikwereti masangano, kusanganisira "Trust" kubhengi. Deposits vari insured neHurumende masangano aya kuti vanosvika bhiriyoni 212 rubles. Huwandu mari yacho LETSATSI nokuti gore akawira kubva pamabhiriyoni 237 rubles kusvika mabhiriyoni 154 rubles. Most vakamira panze Mosoblbank, sanitize yaiva isingadhuri, pane kudzorera zvakaipira liquidation. The kuderera vaunganidza avhareji 1% mune diki uye svikiro kadikidiki mabhanga akatanga kunetseka regulators.

State anomukweretesa Masangano nenzvimbo nzvimbo unoenda ari chepamusoro kubudikidza yesangano pasi utariri. Large mabhanga systemically zvinokosha kumanikidzwa kubhadhara inishuwarenzi kuti deposits mu akatambudzika. Kune vashoma nzira kubva izvi.

First. Banks, deposits vari insured mamiriro, pamwedzi vanobhadhara 0.1% uwandu rakumbirwa mari. Mubvunzo Kusiyanisa pakati prices. Asi ichi zvinoda kuchinja mitemo, uye ndichagumisa yakawanda makakatanwa.

Second. Panguva iyoyo, hurumende kwakagonesa huwandu insured deposits zviri Banks uwandu mamiriyoni 1,4. Pane panyaya yokurambidza kwete chete inzwi asiwo investor nhamba imwe kubhadhara deposits akazarurwa ose rehabilitated mabhanga.

Third. Kukanzura mubereko inishuwarenzi pamusoro deposits. The Zano kushanda muna 2006-2007. Izvi zvichabatsira yokuisira ose deposits dzimwe mari.

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