Banks Osankhidwa Malipiro Ochokera Pansi

Makampani a inshuwaransi a 2020 adatha kuwonjezera mphotho ndi 4.1% mpaka 1.5 thilles, banki yapakati idatero. Ngakhale zoletsa zomwe zimagwirizanitsidwa ndi mliri sizinaletsedwe: kulephera mu kotala lachiwiri kunalipira. Koma pa ndalama zama inshuwaransi, sizinakhudze: ma ruble okwana 247.5 biliyoni. motsutsana ndi 247.4 biliyoni mu 2019

Mlandu m'magulu a mabanki omwe makampani amagulitsa zinthu zopindulitsa kwambiri komanso zokulira. Mtengo wa ma inshuwaransi kuti akonzere milandu sanali okwera kwambiri: Countral Central Bank idafika pa 43% - kuchuluka kwa nthawi yonse yowonera, Regilator idanenedwa. Chifukwa cha izi, kapangidwe kake kagwiritsidwe kake kasintha (kumawonetsa mphamvu ya bizinesi yayikulu ya inshuwaransi: Mapulogalamuwo adakula mwachangu kuposa kulipira (mwapadera chifukwa cha nthawi yayitali).

Mtengo wokwera mtengo unakula chifukwa chakuti kubwezeredwa kwa yemwe wated kumanda ukuwonjezeka kwa zoperekazo, zomwe zimalemba Bank of Central Bank: 5% mpaka 342 bilo. Koma ndalama zomwe zimasonkhanitsidwa ndi zogawana zomwe zidaphatikizidwa sizidachuluka ndipo zidakwana 1.1 trillion thilles, monga mu 2019

Kodi ma inshuwaransi angati amapereka ma distdadiadiati?

Mainterdate ndi njira yayikulu yogulitsa mfundo: Chaka chatha, zikomo kwa iwo, ma inshuwaransi asonkhanitsa 3/4 pazopereka zonse. Pafupifupi 40% (ma ruble 418 biliyoni) za zoperekazo zimawerengetsa mabanki: adalandira 61% ya kubweza kwathunthu kwa ma rubledies (mabiliyoni 209) monga ma rubles (ma ruble 209).

Commission, yomwe imalandira inshuwaradiyo yoperekedwa ndi zopereka zomwe alandiridwa chifukwa chotenga ma ruble 342, kapena 30% (+0.5 pachaka). Zotsatira zake, kubwezeretsa kwa anthu ophatikizidwa kunali kopitilira theka la ndalama zonse (chifukwa chochititsa bizinesi, General ndi ndalama zoyendetsa) za inshuwaransi ya ku Russia, imalemba Banki yapakati.

Mauthenga akuluakulu kwambiri mu inshuwaransi ya ngongole - kuchokera ku ngozi ndi matenda ndi inshuwaransi ya obwereketsa. Makampani omwe anasonkhanitsidwa m'mitundu iyi ya inshuwaransi ndi thandizo la mabanki 186 biliyoni ndi ma ruble 87 biliyoni. Ndalama, motsatana, ndi Commission iyi idalipira kwambiri kuposa theka la zopereka: 66% (123 biliyoni) - inshuwaransi pangozi ndi 60% (mu inshuwaransi ya moyo wa abwerero. Mitundu iwiriyi idapereka zoposa theka la malipiro onse a ointerdoes.

Pafupifupi kotala la maakaunti a maofesi ndi inshuwaransi ya katundu wina: za inshuwaransi ina ya anthu, ndi 49% (32.1 biliyoni), 2,5 biliyoni).

Ma Compordons apamwamba amatumiza ma inshuwaradi amawapatsa ma inssurers kukulitsa zopereka mumitundu yopindulitsa. Chifukwa chake, kuphatikiza kophatikizika kwa inshuwaransi yopanda inshuwaransi ndi matenda kumapeto kwa 2020 kunali 72.2%, kuchepa kwa zinthuzo kwa nkhaniyo) zinali zofanana ndi 23.3%; Pagalimoto - 81.8 ndi 46%, motsatana.

Momwe mungachepetse kudalira mabanki

Zopereka ndi phindu la ma inshuwaransi zimadalira msika wobwereketsa, zomwe zimalemba banki yayikulu: imapangitsa chinthu kukhala chosakhazikika pakapita nthawi. Wothandizirayo amakhulupirira kuti ngati ma inshuwaransi tsopano asamalire kuchepa kwa mtengo wochita bizinesi yonse yonse ndikuchepa kwa katundu, izi zitha kutsimikizira kukhazikika kwa ma inshuwaransi nthawi yayitali.

Makampani apamwamba amakampani omwe ali ndi ndalama, pakati pana ndi mabanki, nthawi zambiri amakhala njira yobwezera ndalama. Koma ngakhale kuntchito kochepa, ndalama zitha kutumizidwa kwa eni kuti asamangidwe, alemba Bank Central Bank.

Kuphatikiza pa kugwira ntchito ndi inshuwaransi kuti muchepetse kubwezeretsa ndi njira yochepetsetsa, kuchuluka kwa ndalama za malonda kumathanso kukuwonjezeranso mtundu wa inshuwaransi - inshuwaransi ya moyo, etc., amakhulupirira banki yapakati. Kuchepetsa ndalama za ma inshuwaransi kuti tikope ndikusunga makasitomala kuntchito zamalamulo, kuphatikizapo kuwononga ndalama zawo m'malo mwa inshuwaransi yomwe imagwirizana ndi inshuwaransi yodzifunira ndi ctp.

Gawo la mitengo yomwe imasonkhanitsidwa ndi inshuwaransi kudzera pa intaneti ikadali 5%. Kuthandiza ma inshuwaransi, kukula kwa wotsatsa, komwe kumayambira theka lachiwiri la 2020 ndikukhala njira yatsopano ya anthu 2020 ndikukhala njira yatsopano yogulitsira, inshuwaransi ndi makampani ena azachuma, imalemba wowongolera ndalama. Kugulitsa Makampani a Makampani kudzera pamsika kumatha kukulitsa mpikisano wamtengo wapatali kwa makasitomala. Kuphatikiza apo, kuthekera kogwiritsa ntchito mafoni a inshuwaransi, othandizira inshuwaransi ndi osuta inshuwaransi amagwira ntchito. Pansi pa zinthuzi, ma inshuwaransi ndikofunikira kuti muchepetse ndalama. Ndikofunikira kuti muchepetse malire pamlingo womwe muli pansipa, amachenjeza banki yapakatikati.