Pokhudzana ndi kusintha kwa mutu wa thumba la boma la penshoni, kukambirana kunayamba kuphatikiza ndalama zonse zowonjezera - penshoni, inshuwaransi yamagulu komanso inshuwaransi yaumoyo. Zowona, pali mtundu wotsekemera - kuchepetsa kulowetsedwa kwa thumba la anthu a inshuwaransi kupita ku thumba la penshoni.
Si ndalamaZomwe zili zodekha ndi boma, sizowonekeratu kumapeto, palibe zonena za anthu pano. Komabe, ziyenera kudziwika kuti kusintha kwa dongosolo la dongosolo la anthu okakamizidwa kwatayidwa ndipo mwina ikhoza kukhala gawo la "pangano lapagulu", lomwe boma likugwira ntchito pano.
Izi, makamaka, mchaka cha 2019, wolemba uja ndi Yuri voronin ndi Alexander Safnin ndi Alexander Safnin ndi Alexander Safnin ndi Alexander Safnin ndi Alexander Safnin adasindikiza zolemba za pulogalamuyi kuti zikhale ndi mbiri yakale ya Alexei Kudrin.
Lipotili likufotokoza za chilengedwe cha anthu omwe ali ndi inshuwaransi yazambiri m'malo mwa ndalama zitatu zapamwamba.
Choyamba, ziyenera kudziwidwa kuti mayanjano omwe afunsidwa siabwino ndipo sakhala ndi ndalama zomwe zingasungidwe pazomwe zili ndi zida zitatu zomwe zilipo. Cholinga chachikulu chopangira thumba la inshuwaransi imodzi ndikutha ndi ndalama zonse zomwe zimasonkhanitsidwa m'njira zolipira inshuwaransi, kukula kwake kokwanira ndi 30% ya maziko a malipiro. Ndalamayi si misonkho, iyi ndi gawo limodzi la malipiro a anthu a konkriti, omwe amasinthidwa kukhala moyo wawo wa inshuwaransi: Ulendo wopuma pantchito, kulumala kwakanthawi, chifukwa chake, ndalamazi siziyenera kukhala malo aboma , monga pano, ndipo ayenera kukhala aboma.
Mafunso Atatu OfunikaKusintha koteroko kwa mawonekedwe a umwini ndi nkhani ya umwini, chifukwa kumasinthasintha ndi njira zomwe zimapangidwira thunthu la inshuwaransi yogwirizana chifukwa chotenga nawo mbali kwa oimira, olemba boma. Mutu wa maziko ayenera kusankhidwa kupita ku gulu lake, ndipo osalembetsa ku Boma momwe.
Funso lachiwiri lalikulu ndikuwona mitundu ya inshuwaransi yachitukuko yokhudzana ndi luso la thumba ili. Kuphatikiza pa nyama yodziwika - penshoni, kuchokera ku ngozi zomwe zachitika pakupanga ndi kulumala kwakanthawi, mimba komanso yofunikira kuyambiranso inshuwaransi polimbana ndi ntchito Msika Wogwira Ntchito), komanso ngati pakufunika chisamaliro chakunja.
Funso lachitatu lachitatu ndi chindapusa cha inshuwaransi imodzi yomwe imaphimba mitundu yonse ya zoopsa. Kukula kwake kwaphatikizidwe kuyenera kukhazikitsidwa pamaziko a oyimira olamulira, olemba ntchito ndi boma la feduro mu thumba la inshuwaransi imodzi ndipo, yomwe ndiyofunikira kwambiri, mogwirizana ndi zogwirizana ndi zogwirizana ndi zomwe zikuchitika Kulipira kwa inshuwaransi ndi zomwe wapeza. Kupatula apo, inshuwaransi ya inshuwaransi ndi kuchuluka kwa kuchuluka kwake ndi mbali ziwiri za mendulo imodzi yomweyo.
Momwe mungagwiritsire ntchito thumba limodziPakukula kwa chiganizochi, ndikofunikira kupanga dongosolo loyang'anira pangozi la anthu - zomwe zikadayembekezera ufulu wogwira ntchito ya inshuwaransi ya inshuwaransi ya inshuwaransi ndikuchepetsa nthawi yomweyo m'mitundu ina ya inshuwaransi. Kuphatikiza apo, ndikofunikira kupatsa nzika zogwira ntchito. Ufulu wokha kuti uzipereka zolipira zowonjezera pa inshuwaransi ya Social, ndipo pakadali pano pamitengo yokhazikika.
Koma olemba anzawo ntchito, mapindu a inshuwaransi a Social ayenera kupatsidwa mwayi wawo kuti akwaniritse ntchito zowonjezera pakupanga ntchito zowonjezera, kuwonjezeka kwa malipiro, kusinthidwa kwa ntchito komanso maziko a ntchito.
Zojambulajambula za thumba la inshuwaransi yogwirizana ziyenera kutengera kabuwi kakang'ono ka inshuwaransi. Mmenemo, kuphatikiza chidziwitso chamunthu za munthuyo, malo a ntchito yake ndi kukula kwa zomwe amapeza ndi kuchotsedwa kwa iwo, zomwe zikuyenera kukhala ndi pulogalamu yazachipatala - kuphatikizapo zambiri, kuphatikizapo zambiri contraindication kugwira ntchito ndi zovuta komanso zoopsa. Gawo lofunikira la registry liyenera kukhala chidziwitso chokhudza kuchuluka kwa malipiro omwe amaperekedwa ndi inshuwaransi. Kulembetsa kumeneku kwa vutoli kumagwirizana kwambiri ndi malingaliro a bowa wa Mikhal omwe afotokozedwa ndi Mikhal za omwe amatchedwa Chuma Chuma.
Kusintha kwa inshuwaransi yokakamiza, ngati, sikuti, sikungachepetse ndalama zomwe zili ndi ndalama zochepa zomwe zilipo, ziyenera kukhala zikugwirizana kwathunthu ndi mfundo za "mgwirizano wa anthu" kukhala chinthu chotseguka Zokambirana ndi kutenga nawo mbali akatswiri, andale, nzika zosiyanasiyana kuti zipeze mbali zonse. Pokhapokha tikhoza kukhala ndi mayendedwe enieni, cholinga chake, chimakhala mapangidwe a mabungwe a mabungwe nthawi yayitali.
Malingaliro a wolemba sangafanane ndi mawonekedwe a VITI.