Zvibvumirano Life Insurance haazogumisi People isimbe

Russian musika The inishuwarenzi youpenyu chinoenda kufema upenyu zvakare, panguva ino nokumutswa kwake Sberbank anoronga kuita. State Bank chirongwa kuchaita kukwezva rutsigiro paupamhi nokuda zvemitemo zviremera. Nechekare chitubu ichi, hurumende angafunga chirongwa of Federal Service nokuda Financial Markets, pane zvakare zvinokosha zvaimunetsa kuti nokuberekera mari inishuwarenzi tinofanira kugara, uyo chaizvoizvo ari inishuwarenzi youpenyu, kusapfuudza mwero mitengo. kumisa rinokosha mari nokuda kwokuripirwa zvibvumirano inishuwarenzi youpenyu. Zvichida, izvozvo chichagadzirirwa kubudikidza mipiro yose musika macho. Chinangwa - kusimudzira kutendeseka pakati achiri risingadiwi munyika, mumwe muitiro zvinoreva nemari.

Not nyore imwe. Kusvikira ikozvino, makambani munyaya Russian pamusika wacho upenyu inishuwarenzi, asingagoni pamusoro zvaasingakanganwi kubudirira tichitarisa placement mari dzavo vatengi. The Toolkit, izvo kunorondedzerwa mitemo nekuti ndizvo chaizvo yakatetepa, uye zvinodiwa kuti mamaneja murombo.

Sberbank, Zvichakadai, ari kugadzirira kushandisa hwehasha mazano andobata pamusika. Zvinangwa izvi, yava kutenga kambani yacho inishuwarenzi, uye vateereri, chiri kuda hofori anoda chigadzirwa chayo itsva inofanira kuva mari 60 zviuru rubles kumatunhu uye 100 zviuru muguta guru.

Kutenga mutumwa pamusika inishuwarenzi nokuda yose pamusika, kunyange chinhu dzokufananidzira - Sberbank awana "mwanasikana" Russian pakati Allianz German akabata kambani "Life Alliance." MuEurope, kambani yacho inishuwarenzi kupfuura pamisika rakanyatsojeka wokugaya, hazvisi kupfuura 1% of zvachose inishuwarenzi kuRussia, apo ari West, mugove ichi inogona kusvika 60-70% .biznes upenyu inishuwarenzi munyika yedu haina zvakajeka wainyatsotaura, uye, sezvo ane kare vazhinji nevamwe vake, akasiya Russia. Huru matambudziko pamusika uyu uri mbiri, uye zviri chokuita chivimbo nyaya. Chekutanga, munyika yedu vasingandivimbi mari wakatorwa kwenguva yakareba. Uye chechipiri, nyika musika yose inishuwarenzi, kunyanya upenyu, akaratidza unreliability yayo mumakore mari dambudziko pasina rutsigiro mamiriro angadai dzakaparara kunyange "chikara" zvakadai, sezvo AIG.

Panewo zvinokosha zvaimunetsa kuti nhamba tinofanira kugara yokudzoka kubva inishuwarenzi mari, uyo chaizvoizvo ari inishuwarenzi youpenyu, kupfuura mwero mitengo.

mari Investment inounganidzwa pasi zvibvumirano izvi zviri kuitwa dzakafanana mitemo sezvo basa Somuenzaniso, mudyandigere mari. Zvichakadai, hwevatambi mamaneja ari mari chikamu mudyandigere kugamuchirwa 2011, zvinoguma zvakatoipa kupfuura mamiriro VEB, uye kuti uyewo vakatadza zvokubata mwero depreciation mari. Kureva ndinoisa inishuwarenzi mari vanhu chaizvoizvo hapana.

Nemamwe mashoko, mukuona chavagari banal pamahombekombe deposits acharamba kutarisa zvikuru nani pane wedzerai zvakanaka makambani. Vari vakaitwa pfupi nguva uye kupa nyika yedu chepamusoro kana kanenge yakatsiga zvikuru anodzoka.

Saka kure, kuti mubhizimisi nzira pakati mumari Bank of musika inishuwarenzi kujeka, asi kare pane ruzivo kuti chikwereti sangano Arikugadzirira zvimwe zvemitemo matanho, izvo zvinofanira kumubatsira (uye vamwe namapoka zvose, zvakare) riri nani isa mari vagari vanenge tatenga mitemo. Hapana mubvunzo kuti mune yakadaro "locomotive" nokukurumidza mumutsetse uye dzimwe nhengo musika upenyu inishuwarenzi, kana, Chokwadi, Sberbank uchakwanisa 'kufamba panze "basa. Panguva ino, mumusika ari embryo chaizvo mudariro, hazvisi kupfuura 1% of zvachose inishuwarenzi kuRussia, apo ari West, mugove ichi inogona kusvika 60-70%.

Financial Zirume, kuwedzera kune evasingatombonamati kwesayenzi matambudziko vanofanira kugadziriswa, uye kungova dambudziko zvepfungwa - mune Russian inishuwarenzi panoonekwa nevamwe zvakakodzera yakaipa. Chikonzero ichi tinogona kufunga kuti mari guru vachadzoka nokukurumidza, saka, kambani yacho inishuwarenzi kuti mari Bank achaita kushanda pamwe uwandu hwakakwana kusika nemaonero uye inobudirira inivhesitimendi Portfolio.

Nekuti MoneyVector Portal rinorayira vatengi kutarira kure nokuda chigadzirwa itsva, mira kanenge gore kana maviri kuti aone zvibereko achakwanisa kugovera mamaneja mumari Bank. Uye kana zvinoitika panguva pamwero mubhangi rates, kana kunyange pazasi, tinomirira kukura unyanzvi nyanzvi revashandi makambani inishuwarenzi, izvo zviri kuita inivhesitimendi.

Uyewo musakanganwa kuti mubhizimisi inishuwarenzi unogona kuvimbisa nomunhu, ndiro, purofiti kungasava - ichi kazhinji zvinoitika zvemari munyika. General kungava kurasikirwa uyu zvakare, haisi zvakakanganisa. Mune mamwe manzwi, zvinokosha kufunga kagumi pamberi ukabvuma kuteterera Sberbank mamaneja.