Makambani einishuwarenzi e2020 akakwanisa kuwedzera mubairo na1,1% kusvika ku1.5 Trillion rubles, iyo Central Bank yakataura. Kunyangwe zvinorambidzwa zvine chekuita nedenda hadzivikanwe: Kukundikana mukota yechipiri kwakadzoreredzwa. Asi pamunowana wemari yevanori, hazvina kuita zvisina kukanganisa: 247.5 mabhiriyoni anobuda. Kupesana 247.4 Bhirioni muna 2019
Mhosva yacho mumabhangi emabhangi kuburikidza nemakambani anotengesa mapoka mazhinji ezvakawanda zvinobatsira uye kukura. Mari yekuvandira yekugadzirisa nyaya dzezviitiko dzaisambove dzakakwira zvekuti: Iyo yakaverengerwa central bank coefficient kusvika 43% - iyo yakakwira nguva yekutarisa, iyo Regator yakataurwa. Nekuda kweizvi, chimiro cheiyo yakasanganiswa isina kukodzera coefficient yakachinja (inoratidza kushanda kwebhizimusi guru revanenge gumi neshanu, iro risingabatsiri): gore rapfuura harina kuchinja uye rakasvika 90%: Mari dzekurima yakakurumidza kupfuura kubhadhara (chikamu nekuda kweiyo yekuzvifunga-insation nguva).
Mari yemutengo yakawedzera nekuda kwekuti kushandiswa kwevareveri kwakawedzera nekukurumidza kwemipiro, ndizvo zvinotaura bhangi repakati: 5% kusvika pamabhiriyoni mazana matatu nemakumi matatu nematanhatu. Asi iyo premium inounganidzwa nevaridzi veMukati haina kuwanda uye yaisvika ku1,1 trillion rubles, segore ra209
Inzvimbo yakadii inopa kune varayari?Mukati inguva huru chiteshi chekutengesa marongero: gore rapfuura, kuvonga kwavari, vanamati vakaunganidzwa 3/4 yemipiro yese. Anenge 40% (418 bhiriyoni rublos) yeaya mipiro yakarongerwa mabhanga
Commission, iyo iyo Inishuwarenzi Yakatarwa Interyers kubva kune zvipo zvakawanikwa nekutora chikamu kwavo kwakatora mabhururu emakumi matatu nemakumi matatu emabhiriyoni, kana 30% (+0.5 pagore). Nekuda kweizvozvo, kubhadharo kweinopfuura hafu yezvose zvinodhura (zvekuitisa bhizinesi, zvekutonga uye zveRussia Inishuwarenzi yeRussia, anonyora bhangi repakati.
Iyo kambani mikuru inishuwarenzi yechikwereti - kubva ku tsaona uye nezvirwere uye nehupenyu hwehupenyu hwevakwereta. Makambani akaunganidzwa mumhando idzi dzeinishuwarenzi nerubatsiro rwemabhiriyoni 186 mabhiriyoni kusvika mazana masere emabhiriyoni rublos. Mari dzekutanga, zvichiteerana, uye komisheni yeiyi yakabhadharwa kupfuura hafu yemipiro: 63 Billion rubles) - MuInvhion Internet neTsaona uye Zvirwere Zve60% Izvi zvisikwa zviviri zvakapa zvinopfuura hafu yehuwandu hwakazara hwevirevereri.
Inenge kota yekomiti yekomisheni yeAutocas uye yeinishuwarenzi yeimwe chivakwa: Kune imwe inishuwarenzi yezvinhu zvevanhu, iri 49% (32.1 Bhirioni, 29% 0% mavara).
Yakakwirira komisheni Intermediaries inobvumidza Inishuwarenzi yekuwedzera mipiro mumhando dzinobatsira dzeinishuwarenzi. Nekudaro, iyo yakasanganiswa coefficient yeinishuwarenzi isina kurasikirwa ne tsaona nezvirwere pakupera kwe2020 yaive 72.2%, kusabvisa mari yekubhadhara mafambiro eiyo 23.3%; Nemota - 81.8 uye 46%, zvichiteerana.
Maitiro Ekudzikisa Kuvimba NemabhangiMipiro uye purofiti yevanzura zvakanyanya kuvimba nemamiriro emusika wekukweretesa, anocherekedza bhangi repakati: Inoita chinhu chekusagadzikana mukufamba kwenguva. Iye mutambi anotenda kuti kana vanamati zvino vachichengeta kuderera kwemutengo wekuita bhizinesi seyekupedzisira kuita zvemukati, izvi zvinogona kuve nechokwadi chekugadzikana kwemamiriro emari mune insurers munguva refu.
Yakakwira Commission yemapindiri yemakambani mune zvemari inobata mari, iyo nzvimbo iyo ndeemabhangi, kazhinji inova nzira yekugovera mari yakawanda. Asi kunyange pane zvakaderera, mari inogona kutumirwa kune varidzi kuburikidza nekugovana, vanonyora bhangi repakati.
Kuwedzera pakushanda neinishuwarenzi kuderedza kuderedza mari uye kuumbwa kwemari, kugadzikana kwemari kunogona zvakare kubatsira kune iyo miti yeinishuwarenzi - Inishuwarenzi yerefu, DMS, etc., inotenda iyo central bank. Kuderera kweshandisirwo kwevashambiringa kukwezva uye kuchengetedza vatengi kunopawo chirongwa chemitambo yemabasa evashandi veinishuwarenzi, vachisanganisira mukana webasa ravo pachinzvimbo cheInsturer Inishuwarenzi Inishuwarenzi Inishuwarenzi uye ctp.
Chikamu chePremium zvinounganidzwa nevashanyi kuburikidza neInternet ichiri kuwandisa 5%. Kubatsira Inishuwarenzi, iko kukura kwemhosva, iyo yakawanikwa muhafu yechipiri ya2020 uye yakava chiteshi chitsva cheMabhanga, Inishuwarenzi nemamwe makambani emari, anocherekedza mukuru. Kutengeswa kwemakambani emakambani kuburikidza neMusika kunogona kusimbisa mukwikwidzi wemutengo kune vatengi. Uye zvakare, mukana wekushandisa mafoni mafoni evashiri, vamiririri veinishuwarenzi uye brokers inishuwarenzi inosungwa. Mumamiriro ezvinhu aya, inishuwarenzi yakakosha pakuchengetedza mari. Izvo zvakakosha kuti udzivise kudzikisira mutero kune iyo nhanho pazasi parizvino zvine musoro, inonyevera bhangi repakati.