Munhu anoyamurika - ndiko ... Ndiani munhu anoyamurika?

Issues kudzivirira kodzero yacho zvaikosha kuti vanhu vose nguva kare uye dzakasiyana-siyana evanhu uye zvematongerwo enyika idzodzo. Chii chinonyanya kukosha muzvinhu izvi?

Vamwe vanhuwo nzvimbo

In tsanangudzo uye mitemo pfuma ukama pane dzimwe pfungwa dzinokosha kuti zvinokonzera zvose zviripo pamutemo kuumbwa uye zviri pamutemo hurongwa. Chimwe chezvinhu zvinokosha mashoko chinhu yakadai munhu anoyamurika. Uyu pamutemo kana dzinongoitika munhu, inova anaro ezita kune imwe nzvimbo uye maererano anogamuchira kubva muridzi mari yakadaro. Kana mari kubva chero kwepaKrisimasi kuvhiyiwa. The zvemitemo nezvakatongwa tsika, pane vakawanda nuances, imwe nzira kana imwe nechokuita izwi. Ngationei zvimwe zvacho zvakawanda.

Ndiani unogona zvakabatanidzwa vanobatsirwa?

Dzimwe mudzimai tsika repamutemo rinoshandiswa vakaenzana dzakawanda dzakadai rokuti so "munhu anoyamurika" ( "munhu anoyamurika"). In zvarinoreva chose kufanana "munhu anoyamurika" pfungwa. Ichi chinhu kupfuura fanano kare kurondwa kudzokera mutemo weRoma. Negore Russian pamutemo uye zvoupfumi tsika vose mashoko kuitika zvakaenzana maitikiro. Ndivanaani kazhinji akataura vanobatsirwa? Kakawanda, munhu anoyamurika - munhu anogamuchira mari muchimiro chezvinhu rendi kubva pfuma yavo hwakatamisirwa chivimbo utariri, kana kune dzimwe vanhu kana masangano. The ukama munhu anoyamurika iri iyi, inodzidzisa zvomumwe musiwa chaiyo ezvinhu.

The munhu anoyamurika, kuti insurer

Zvinonzi zvakare zvinowanzoshandiswa izwi iri inishuwarenzi. In zvemabhizimisi inishuwarenzi munhu anoyamurika - inongoitika kana zviri pamutemo munhu kugamuchira mubhadharo pasi chibvumirano maererano ezvinhu zvaitaurwa ari inishuwarenzi itsika. Izvi zvakafanana chaizvo izwi mutemo yokugara. Pano, kuti munhu anoyamurika - munhu anogamuchira vamwe pfuma kana kodzero mari maererano nechido kana kuitika kutsivana mitemo. Uyezve, kune vanobatsirwa uye yaigamuchirwa kune vanhu vari Banking zvikoro kupa nekuve zvemari zvavanosarudza.

zvemitemo kuzvidzora

Mumutemo ano maererano kwakashanda kodzero mitoro inoitwa parutivi munhu anoyamurika, pasinei zviri pamutemo kana dzinongozviitikira munhu. Zvikurukuru, maererano Civil Code of Russian Federation, kuti munhu anoyamurika pamutemo munhu ane kodzero zvikomborero inishuwarenzi ari zviitiko raanotaura chibvumirano pakati inishuwarenzi chepfuma, kana akanga pasi zvakakanganiswa chiitiko insured. The zvemitemo framework mumunda pfuma ukama uye mari sungiro vakashanda zvino zvimwe zvakadzama, kodzero uye nokubatira vaviri ose chibvumirano inishuwarenzi chinyatsotsanangurwa mariri exhaustively. Kuwedzera Civil Code, ivo noukama inishuwarenzi dzinotungamirirwa Mutemo Russian Federation yomusi November 27, 1992 "On the Organization Inishuwarenzi Business muna Russian Federation".

Mabasa kodzero munhu anoyamurika

Inishuwarenzi vavo zvinhu zvemari uye dzimwe mhando pfuma rinopa muridzi wayo kuvimba kuwana mubhadharo yakanatsa saizi, kana pfuma chichange vakatambura kukuvadzwa somugumisiro simba pamusoro payo dzinongoitika zvinhu kana hasha yokurwiswa tsotsi hunhu. Asi insured kana munhu anoyamurika maererano nomutemo uye kutakura siyana mabasa kune insurer, naye akanga akasaina kondirakiti. Chokutanga nenguva kuripwa zvizere mari raanotaura chibvumirano kubhadhara, kana vanowanzoororwa vachinzi se "inishuwarenzi".

Mamwe mabasa munhu anoyamurika

Kuwedzera kune fanira kubhadhara inishuwarenzi, ari insured, kuti munhu anoyamurika ane nhamba mutoro nezvinhu anonzi "hurongwa kechipiri". Asi kuti havafaniri kudukupiswa. Performance chesungano apo insured chiitiko pasina maererano iwayo aite hazvibviri. Chokutanga, vanofanira zvakabatanidzwa insurer kupa zvose umbowo pamusoro chinhu inishuwarenzi zvizere. Panguva Chaiyo paakaudza pacharo pamusoro zvose kuchinja kwakaitika uye chero rinowanika basa ezvinhu. Uye Chikurukuru, kuti insurer anofanira hazvo kuziviswa panowanikwa insured chiitiko mukati nguva raanotaura chibvumirano inishuwarenzi. Chokwadi, kuti kumhanya nzvimbo iyi munhu anoyamurika vanosungirwa mumamiriro ezvinhu, kana kuti anoda kodzero yake kugamuchira mubhadharo chikwereti kwaari pamusana insured chiitiko.

Chii chinoita insurer kubhadhara?

Munguva inishuwarenzi Kana insurer vanosungirwa kuita pasi chibvumirano chibvumirano vakafunga, vose vakaedza mitoro mari kune kwakakanganisa pfuma varidzi. kubhadhara izvi mune zvimwe zviitiko, pangava zvinopfuura chakazvibata. Nyaya kana kusangana mitoro ayo inishuwarenzi kuti insurer ane kushandisa zvokunze nokukwereta pamusoro onerous ezvinhu zvemari nokuti. Chii chinoita kuti izvozvo? The apa ndechokuti inishuwarenzi ndechokuti, sezvo vachiti - "mutambo vdolguyu" uye "sprinting". Uye pano anogona kuhwina chete anokwanisa kuvaka zvirongwa kukura basa ravo refu tarisiro. The insurer yave zvishoma nezvishoma kuzadzisa ayo mitoro yemari, kuwana mukurumbira. Uye somugumisiro, mutengi nechigadziko, ivo premiums izvo hazvo achava kuvhara kuti imwe nguva vose chakakonzerwa namaneja mari mabasa ayo sungiro zvemari.

Vamwe vakawanda zvichiratidza

History of Bhizimisi inishuwarenzi odzokera emakore akawanda. Vakamira kokutanga muna UK munguva maindasitiri capitalism uye kukurumidza kukura nyika kutengeserana, chikamu ichi rave hwe- kuwedzerwa uye akavandudzika kusvikira nhasi. Chii kukwezvana kuti munhu ari munhu anoyamurika, kupinda zvibvumirano zviri inishuwarenzi zvavo zvinhu zvemari uye zvimwe zvinhu? Pashure pezvose, maererano chibvumirano, kuti munhu anoyamurika anofanira kutora rimwe asi zvinokosha zvikwereti zvemari. The pfungwa pano, zvichida, kuti varidzi chepfuma kunokosha nepfungwa chivimbo muna zvabuda kubudirira nokuda zvinhu. Vari nemhepo chido kugadzikana uye chivimbo mune remangwana. Uye vanobatsirwa vanoda kuchibhadhara. ezvinhu Izvi Hunoita kuti kutendeukira kuna insurers. Hapana mumwe munhu havagoni kutengesa inodiwa chivimbo uye isimbe. In kutengeserana ichi vanoitirwawo kufarira mativi. Zvinofanira kucherechedzwa kuti pakukura bhizimisi inishuwarenzi zvinogoneka chete ezvinhu ane zvishoma nezvishoma kukura upfumi uye akatsiga pamutemo hurongwa.