Ngokunxulumene notshintsho lwentloko yePenshini yePenshini yePension, iincoko zaqala ukudibanisa zonke iingxowa-mali ezintathu ezongezelelweyo-ipenshoni, i-inshurensi yentlalo kunye ne-inshurensi yezempilo. Kuyinyani, kukho inguqulelo ecekeceke- ukunciphisa umda kwiNgxowa-mali ye-Inshurensi yeNtlalontle kwiNgxowa-mali yomhlala-phantsi.
Ayisiyomali imekoEyona nto ifihliweyo ngurhulumente, ayicacanga kude kube sekupheleni, akukho ngxelo zoluntu okwangoku. Nangona kunjalo, kufuneka kuqatshelwe ukuba utshintsho lwenkqubo ye-inshurensi olunyanzelekileyo kwezentlalo luye lwashiywa kwaye inokuba yinxalenye yemvumelwano yesiqhelo, osebenza kuyo urhulumente ngoku, ngurhulumente ngoku.
Oku, ngokukodwa, ngo-2019, umbhali wale migca kunye noYurivon kunye ne-Alexander Safonov ebhekiswe kwisiseko sengxelo enkulu yeZiko loPhuculo lwe-Alexei Kudrin.
Le ngxelo ixoxa ngokudalwa kweNgxowa-mali ye-Inshurensi enye ye-Inshurensi enye yeNgxowa-mali yoHlahlo-lwabiwo mali ngoku endaweni yeNgxowa-mali yoThengiso-mali.
Okokuqala, kuya kufuneka kuqatshelwe ukuba umbutho ophakanyisiweyo awungumatshini kwaye ungaphelelanga kwimixholo yexabiso lemixholo malunga neziqulatho zangoku. Eyona njongo iphambili yokudala iNgxowa-mali ye-Inshurensi enye ye-Inshurensi kukuphela kwenani lemali eqokelelweyo eqokelelweyo kwifom yeinshurensi, ubungakanani obukhulisayo apho uninzi lweepesenti ezingama-30 ze-30% yesakhiwo semivuzo. Le mali ayisiyo irhafu, le yinxalenye yomvuzo wekhonkrithi, eneneni athe wavela kwimeko yobomi babo kwisiganeko se-inshurensi: Iminyaka yokuthatha umhlala-phantsi, ukhathalelo lwethutyana, le mali ayifanele ibe yipropathi yodidi , ngoku, kwaye kufanele ukuba sisesidlangalaleni (esidlangalaleni).
Imibuzo emithathu ebalulekileyoUtshintsho olunje ngohlobo lobunini ngumbandela womgaqo, kuba oko kumiselwe kwangaphambili ngeNgxowa-mali ye-Inshurensi yeNtloko yasekuhlaleni esekwe ekuthatheni inxaxheba kubameli boBasebenzi, urhulumente we-Federal. Intloko yesiseko kufuneka inyulwe kwiBhodi yakhe, kwaye ayisebenzi kuRhulumente njengangoku.
Umbuzo wesibini osisiseko kukuchonga uhlobo lwe-inshurensi yentlalo enyanzelekileyo enxulumene nobuchule beNgxowa-mali. Ukongeza kuhlobo oluqhelekileyo oluqhelekileyo - ipenshoni, ukusuka kwizifo zemveliso kunye nezifo zomsebenzi, ngokukhubazeka komntwana, i-inshurensi yezokhulelwa, imfuneko yokuqalisa i-inshurensi ye Imakethi yabasebenzi), nakwimeko yemfuno yonyango lwangaphandle.
Umbuzo ophambili wenqununu yinguqu kwintlawulo enye yeinshurensi egubungela zonke iintlobo zomngcipheko. Ubungakanani bayo bohlangano kufuneka busekwe kwisiseko sokuvumelana kwabameli babasebenzi, abaqeshi kunye noRhulumente we-Federal kwi-Inshurensi yoLawulo ye-Inshurensi enye ye-Inshurensi enye ye-Inshurensi enye yokutshintsha Intlawulo yeinshurensi yengeniso yomqeshwa. Emva kwayo yonke loo nto, ireyithi yeinshurensi kunye nomyinge otshintsheyo ngamacala amabini embambano efanayo.
Ukusebenza njani kwingxowa-mali enyeUkuqulunqwa kwesi sivakalisi, kuyacetyiswa ukuba senze inkqubo yolawulo lomngcipheko kwezentlalo-enjalo ngelinde ilungelo lokufumana umsebenzi we-inshurensi ye-inshurensi ye-inshurensi ye-inshurensi enye okanye ezininzi ze-inshurensi enye kunye nokuncitshiswa kwangaxeshanye kwezinye iintlobo zeinshurensi. Ukongeza, kuyimfuneko ukunika abemi beminyaka yokusebenza. Ilungelo lokuzimela ngokuzimeleyo Inkqubo ye-Inshurensi kwiNgxowa-mali yayo, kunye nokungabikho komntu onamava e-inshurensi eyimfuneko - ilungelo lokuyikhulula ixesha lokugqibela kwiirhafu ezimiselweyo.
Njengabaqeshi, izibonelelo zeentlawulo zeinshurensi yeinshurensi kufuneka zibonelelwe kwi-oda yobuqu ukuze zikwazi ukuphunyezwa kwezalathisi eziphambili zokuyilwa kwemisebenzi eyongezelelweyo, ukwanda komthetho kunye nesiseko somvuzo.
Izibonelelo zeNgxowa-mali ye-Inshurensi yeNtloko yeNtloko yeNtloko yeNtloko kufuneka zisekwe kwirejista enye yabantu abafuna uncedo. Kuyo, ukongeza kulwazi lomntu malunga naloo mntu, indawo yomsebenzi wayo kunye nobukhulu bemivuzo kunye nokuncitshiswa kuyo, iimeko zokusebenza kufuneka ziqulathe ipetroli yezempilo kunye neendlela ezihlanjululweyo, kubandakanya ulwazi malunga Ukuphathwa gadalala ukusebenza neemeko zokusebenza eziyingozi nelukhuni. Inxalenye ebalulekileyo yale Registry kufuneka ibe yinkcukacha malunga nenani lentlawulo eyenziwe ngohlobo lwe-inshurensi. Ubhaliso lo mbandela luhambelana ngokupheleleyo nengqondo ye-mingail ye-mingail eboniswe nguMikhail malunga ne-Ofisi kaNondyebo.
Inguqulelo ye-inshurensi enyanzelekileyo yentlalo, ukuba, ngokuqinisekileyo, ayiyi kuthintela ukudityaniswa koomatshini bokuphumelela kwezentlalo ngoku, kufuneka kube kukuthotyelwa ngokupheleleyo kwemigaqo-siseko yenkqubo "yemvumelwano yesidlangalala evulekileyo Ingxoxo yokuthatha inxaxheba kweengcali, kwezopolitiko, uluhlu olubanzi lwabemi ukuze bafumane onke amacala. Kuphela kungoko kuphela unokuqhubeka namanyathelo okwenyani, injongo yantoni, ekugqibeleni, iya kuba kukwenziwa kwesiseko seziko lophuculo lwentlalo-ntle lawo onke amacandelo oMbutho waseRussia.
Uluvo lombhali lungangqinelani nesikhundla soshicilelo lwamaxesha ngamaxesha.