Deposit inshora. The Law a kan Insurance na Adibas

Deposit inshora a Rasha Federation ne na musamman inji ga kariya na jama'a 'kudi. Babban ra'ayin da tsarin - shi ne don tabbatar da sauri biyan daga wani m kudi tushen (misali, musamman asusun) a ƙarshe na aiki na kungiyar a cikin abin da akwai tanadi. Bari mu bincika a cikin mafi daki-daki, yadda da m inshora gudunmawar.

abũbuwan amfãni daga cikin tsarin

Kamar yadda kwarewa na mafi yawan tattalin arziki raya ƙasashe, ajiya da inshora a bankuna da shi hidima a matsayin wani tasiri kayan aiki domin warware hadaddun daidaituwar tattalin arziki da kuma matsalolin zamantakewa. Da farko, tsarin tanadi tabbatar da su hana tsoro tsakanin 'yan kasa. Wannan, bi da bi, tabbatar da barga aiki na banki tsarin. A daidai wannan CERs yana taimaka rage zaman halin kaka don kawar da tasirin da rikicin. Deposit inshora na halitta mutane, a cikin wasu abubuwa, qara jama'a amincewa a cikin kudi da kuma bashi cibiyoyin. Wannan halitta da abubuwan da ake bukata ga dogon lokacin da karuwa a zaman adibas. Yau, jihar ajiya da inshora wanzu a cikin 104 a} asashen duniya.

Inshora adibas na jiki mutane a Rasha

Yana yana da za'ayi a cewar Game da Attaura. A dokar "A inshora na adibas" da aka soma a shekara ta 2003, a ranar 23 ga watan Disamba. Its guzuri ayyana mataki na CERs, da hanya ga samar da tabbacin. A musamman, daidai da dokar tarayya, kare duk jama'a 'tanadi, sanya a kan asusun da cewa samar da rajista a kan ƙasa da Rasha bankuna. Deposit inshora ma shafi kudi da suke a kan katunan (ban bashi), kamar yadda su ma zama a matsayin al'ada asusun. Kariya na tanadi sanya a darajojin ce Law. Wannan yana nufin cewa babu bukatar kara a kammala da wata yarjejeniya a kan safeguards. A kan ƙasa na Rasha aiki DIA - Deposit Insurance Agency. Wannan kamfani da aka kafa a 2004, a watan Janairu. Deposit Insurance Agency samar da dubawa da kuma sarrafa tsarin. A Rasha hallara a CER ne wani ɓangare daga cikin ayyukan kungiyoyin tsunduma a jawo kuma ajiye jama'a 'tanadi. A ranar, da inshora tsarin hada da fiye da 800 bankuna.

The darajar diyya

na mutum adibas a cikin kungiyar, a game da abin da ya faru inshora taron, da za'ayi a cikin 100% adadin da adadin adana dukiya, amma ba fiye da 1.4 miliyan rubles. Savings a cikin asusun a wani kudin kasashen waje suna fassara ta amfani da musayar kudi a lokacin da hatsari. Matsakaicin diyya darajar - 1.4 miliyan - lasafta a kan adibas adana a daya asusun banki a daban-daban (ko da guda). Savings da suke a daban-daban kudi cibiyoyin, suna bayar da kansa daga juna.

muhimmanci factor

Bayan ka biya da inshora ramuwa, na da hakkin ya bukaci da depositor da wani adadin wucewa tamanin da tabbacin ne gamsu lokacin da fatarar aikace-aikace na farko jerin gwano na bashi. Da hakkin ya yi da'awar diyya ga adadin biya don zuwa DIA. Idan jari da aka sanya a banki rance, rance ga wanda akwai wani inshora harka, da adadin diyya an rage da adadin da counter-da'awar da kudi da kuma bashi ma'aikata a ranar ƙarshe ta aiki.

lokuta da diyya

A dokar kafa da wadannan yanayi da ake da diyya ne ajiyar:

1. Sokewa (janyewar) lasisi.
2. Moratorium Bank of Rasha za su gudanar da kudi ma'amaloli.

Diyya biya fara cikin uku aiki kwanaki bayan biyayya da takardun zuwa ga DIA, amma ba a baya fiye da makonni biyu bayan da ya faru na da wani daga cikin muka ambata a sama hali. ajiya ne refunded da Agency ofishin ko (idan jimla da yawan kananan savers), ko a daya ko dama izini raka'a, ko da mail. Ga kowane halin da ake ciki kafa wani takamaiman hanya don bayar da diyya.

ware

Inshora ba batun:

1. Kudi a cikin asusun na notaries da kuma lauyoyi, idan sun kasance bude domin samar da wani sana'a aiki, bayar da Attaura.
2. Gudunmawar da mai bãyar.
3. tsabar kudi canja wurin ba tare da bude wani asusu.
4. Adibas a waje ofisoshin gida bankuna.
5. Kudi ga unallocated karfe asusun.
6. Savings canjawa wuri zuwa wani banki kungiyar a dogara.
7. Money yi nufi ga lissafi kawai tare da yin amfani da lantarki wajen biya ba tare da bude wani asusu a cikin kudi da kuma bashi da sha'anin.

kudi tushe

Deposit inshora ne da goyan bayan wani m tushe. Its size ne a kan 7 May, 2014 amounted zuwa 195.7 biliyan rubles. (Net na arziki ga biyan indemnities balaga lokuta - 157,6 biliyan rubles.). Babban kudi kafofin na Asusun ne jihar dukiya taimako - biliyan 7.9 rubles, da kuma banki inshora premiums da kuma zuba jari kudin shiga daga kudi .. Gudunmawar ne guda ga duk kudi kungiyoyi da dole ne a biya a kan wani kwata-akai. Jadawalin kuɗin fito ne m da Board of Directors na DIA. A halin yanzu, rabon ne 0.1% daga cikin talakawan darajar inshora mutane tanadi ga daidai kwata.

tarihin asali

Daga lokacin a lokacin da shi ya fara aiki ajiya da inshora, da adadin diyya ya karu 14 sau. A can farko shi ne dubu 100 rubles. Tun Agusta 2006, biya sun karu zuwa 190 000 rubles, daga Maris 2007 -. Don 400 000 a watan Oktoba na 2008 - har zuwa 700 000 rubles. A 2014, wani kyautatuwa da aka sanya wa jihar Duma, bisa ga abin da matsakaicin adadin diyya shi ne 1.4 miliyan rubles. A lokacin rayuwa da CERs kasance fiye da 180 inshora lokuta.

Don ƙarin bayani game da kyautatuwa

Kara adadin diyya da aka ninka saboda da tsoro na ajiyar. Kamar yadda ma'aji, wannan mataki na Jihar Duma ne sosai tabbatacce, amma abu ne mai wuya su ba da taimako ga ambaliya na adibas. Kudi kasuwanni kwamitin yanke goyi bayan wannan shiri. A taron da aka gudanar a cikin wani ba na gargajiya lokaci da aka boye daga 'yan jarida. Kamar yadda muka gani da shugaban Burykina kwamitin, da kyautatuwa a wancan lokacin sun ma'ana, da kuma kauce wa rashin fahimtar juna da daga baya tattaunawa ya kamata faru ba tare da kafofin watsa labarai.

ajanda da haɗuwa

A kwamitin ya yi la'akari biyu takardar kudi. A farko damu da karuwa a inshora biya ta rabin, da kuma na biyu - da samuwar Inter-bangarensu kungiyar wakilai, wanda zai magance tare da karfafawa daga cikin halin da ake ciki a Rasha kudi kasuwa. Duk da haka, da tattaunawa ta shafa da dama sauran Topical al'amurran da suka shafi.

Dalilan da kara diyya

Da bukatar gaggawa awo ne ne saboda wani gagarumin outflow na kudi daga ruble asusun al'ummominsu. Tun farkon 2014 shi zambar game da 216 biliyan rubles. Saboda fara a watan Disamba da rikicin kudi ya yawa ya karu hadarin churn. Bankers nuna wa m so na Russia don canja wurin su kudi don kudin asusun, kazalika da su zuba jari a dukiya. A cewar Aksakov, Shugaban kungiyar "Rasha", da karuwa a cikin size da inshora za ta taimaka wajen inflow na kudi a cikin gida da kudi da kamfanoni. A matsayin hujja da matsayinsa, ya buga halin da ake ciki a shekara ta 2008. A wannan lokacin, da outflow na adibas aka lura, aka 7%. Bayan da kara adadin inshora zuwa dubu 700. Rub. da adadin jama'a 'adibas ya karu a watan Oktoba da 10%.

DIA aiki a cikin sabon yanayi

Tare da tallafi na gyara ƙara da inshora indemnity kamar yadda Aksakov ce, da tsarin na maganganu da asusun ne mai wuya ya sha wani canje-canje. Duk da yake ma rage ajiye DIA shi iya amfani ga wani aro tare da Central Bank. Wannan alama samar da dokar tarayya na CERs. Kamar yadda muka gani Isaev (dillancin shugaba), da hukuncin zai shafi aikin kamfani, duk da haka, bukatar tuntube Babban Bankin ya ba tukuna faru.

Ƙarin dama ga 'yan kasa

Kamar yadda aka ce a sama, da bankers la'akari da kara girman biya domin inshora sosai tabbatacce yanke shawara. A halin yanzu, da talakawan tamanin da adibas na yawan ne 500 dubu rubles. Wannan gwada da low adadi ne saboda gaskiyar cewa da yawa da aka niƙa da su wajen rage hadarin bude asusun a daban-daban kudi cibiyoyin. Tare da kara ajiyar inshora biyan bashin ne iya tara manyan kudi a daya banki. Tare da wannan karuwa a diyya ayyukan matsayin ƙarin lamuni na gwamnatin. Wannan, bi da bi, a tsakanin sauran abubuwa kuma taimakawa wajen kara amincewa a cikin gida da kudi kansu. Tare da wannan, bisa ga ma'aji, da kyautatuwa zai rage da kudi na soke lasisin kuma selection domin kauce wa danniya a kan ƙarfafa asusun inshorar.