Kwangila Life Assurance ba zai kawo Mutane Stability

A Rasha rayuwa inshora kasuwar ke faruwa numfashi rayuwa sake, wannan lokaci ya farfado da Sberbank shirin yi. State Bank udurin zai jawo hankalin m goyon baya ga 'yan majalisu da hukumomi. Tuni wannan spring, gwamnatin iya la'akari da himma na Tarayya Service for kudi kasuwanni, akwai kuma gagarumin damuwa cewa samar tarawa zuba jari inshora, wanda a gaskiya shi ne rai inshora, ƙetare kudi na kumbura. kafa musamman gidauniya domin biyan rayuwa inshora kwangila. Kila, shi za a kafa ta gudunmawar da duk kasuwa mahalarta. Manufar - tada yiwuwa na har yanzu mutane suke so a kasar, wani tsari na nufin tanadi.

Ba aiki mai sauki. Har yanzu, kamfanonin da hannu a cikin Rasha kasuwar rayuwa inshora, ba zai iya gadara da wani bajimi nasara cikin sharuddan jeri na kudi na su abokan ciniki. A Toolkit, wanda aka bayyana da dokokin domin wannan shi ne quite kunkuntar, da kuma cancantar manajoji ne matalauci.

Sberbank, A halin yanzu, yana shirya su aiwatar da wani m dabarun kama da kasuwar. Domin wadannan dalilai, shi ya sayi kamfanin inshora, da kuma masu sauraro, wanda yake sha'awar a giant son ta sabon samfurin dole ne wani albashi na 60 dubu rubles a cikin sãsanni da kuma ta dubu 100 a cikin babban birnin kasar.

Siyan wakili a cikin inshora kasuwar ga dukkan kasuwa, ko da a cikin wani abu m - Sberbank samu a Rasha "ya" na Allianz Jamus rike da kamfanin "Rayuwa Alliance." A Turai, da most inshora kamfanin a kasuwa ne quite rudimentary, shi ne ba fiye da 1% na jimlar inshora a Rasha, yayin da a kasashen yamma, wannan rabo na iya kai 60-70% .biznes rayuwa inshora a kasar mu ba baro-baro kayyade, kuma, kamar yadda yana da riga da yawa daga abokan aikin ta, bar Rasha. Babban matsaloli a cikin wannan kasuwar ne biyu, kuma duka suna da alaka da dogara da batun. Da fari dai, a kasar mu ba amince da kudi dauka na dogon lokaci. Kuma abu na biyu, duniya kasuwar na inshora, musamman rai, ya nuna ta unreliability a lokacin karshe rikicin kudi ba tare da bayyana goyon baya zai sun gaza ko da irin wannan "dodo", kamar yadda AIG.

Akwai kuma gagarumin damuwa cewa tarawa kudi na dawowar zuba jari inshora, wanda a gaskiya shi ne rai inshora, ƙetare kudi na kumbura.

Zuba jari kudi da aka tattara a karkashin wadannan yarjejeniyoyi da aka gudanar a kan irin wannan dokoki a matsayin management, misali, fensho tanadi. A halin yanzu, kamfanoni masu zaman manajoji na da] a] en na daga cikin fensho samu a shekarar 2011, sakamakon shi ne ya fi Jihar VEB, da kuma cewa ma kasa cimma da kudi na depreciation na kudi. Watau amince inshora tanadi mutane a zahiri ba.

A wasu kalmomin, a cikin idanu na yawan banal ajiya a banki za su ci gaba da duba fiye da fin fiye da wadata management kamfanoni. Suna sanya a cikin wani gajeren lokaci da kuma ba mu kasa mafi girma, ko a kalla mafi barga ya dawo.

Ya zuwa yanzu, zuba jari dabarun na da Savings Bank na inshora kasuwa ne m, amma riga akwai bayanai da cewa bashi ma'aikata yana shirya wasu majalisu tunanin, wanda ya kamata ya taimake shi (da kuma duk sauran kamfanoni, ma) ne mafi riba sanya kudi na 'yan ƙasa waɗanda suka sayi manufofin. Babu shakka cewa a cikin irin wannan "locomotive" nan da sannu zã tsaye da sauran 'yan rayuwa inshora kasuwar, sai dai in, ba shakka, Sberbank za su iya "mirgine fitar da" da sabis. A halin yanzu, da kasuwar a wani sosai tayi mataki, shi ne ba fiye da 1% na jimlar inshora a Rasha, yayin da a kasashen yamma, wannan rabo na iya kai 60-70%.

Financial giant, a Bugu da kari ga zalla fasaha matsaloli bukatar a jawabi, da kuma zalla m matsala - a Rasha inshora gane ta da yawan jama'a a matsayin dole mugunta. Yana da wannan dalilin mu iya ɗauka cewa babban kudi zai dawo sosai da ewa ba, saboda haka, da inshora kamfanin na Savings Bank zai yi aiki tare da adadi isa ya haifar da a daidaita da kuma tasiri zuba jari fayil.

Saboda MoneyVector portal da shawara masu amfani ga kama nisa ga wani sabon samfurin, jira a kalla a shekara ko biyu zuwa ga abin da amfanin ƙasa za su iya samar da manajoji da Savings Bank. Kuma idan dai itace a matakin ajiya rates, ko a kasa, jira don ci gaban da masu sana'a basira na ma'aikata na kamfanonin inshora, wanda tsunduma a zuba jari.

Har ila yau kada ka manta da cewa zuba jari inshora ku babu wanda zai iya yi alkawari, cewa shi ne, da riba, bazai - wannan yakan faru ne a cikin kudi a duniya. Janar iya zama wani asarar wannan daya, ma, ba rigakafi. A wasu kalmomin, shi wajibi ne su yi tunanin sau goma kafin ku ba a ga entreaties na Sberbank manajoji.