Iinkampani zeinshurensi ezingama-2020 zakwazi ukwandisa amabhaso ngama-4.1% ukuya kwi-1.5 yeerintallion ruble, i-Central Bank yatsho. Nditsho nezithintelo ezinxulumene nobhubhane zazingathintelwanga: Ukusilela kwikota yesibini kwakubuyekezwa. Kodwa kwingeniso yeinshurensi, ayichaphazeli: I-247.5 yezigidi zeerandi. ngokuchasene ne-247.4 yezigidigidi ngo-2019
Imeko kwiifayile zeebhanki ezizithengisa uninzi lweenkampani ezithengisa uninzi lwezona mveliso zinenzuzo nezikhulayo. Iindleko zeinshurensi zokugcinwa kwamatyala zazingazange ziphakame: I-Count Bad Central Adged ifikelele kwi-43% - elona xesha liphezulu lokujonga, uMlawuli waxelwa. Ngenxa yoku, ukwakhiwa kwe-Counter ncare yokungasebenzi kutshintshiwe (ibonisa ukusebenza kweshishini eliphambili leinshurensi: Ukuba i-Couled ingenamsebenzi): Kunyaka ophelileyo abutshintshanga kwaye ifike kwi-90%: Iipremiyamu zakhula ngokukhawuleza kuneentlawulo (ngokuyinxenye ngenxa yexesha lokuzilolonga).
Ireyithi yeendleko ikhule ngenxa yokuba imbuyekezo ye-intermeries inyuke ngokukhawuleza kwiminikelo, iqala i-Central Bank: 5% ukuya kwi-442 yezigidi zeerandi. Kodwa iipremiyamu eziqokelelwa ngabasebenzi azizange ziphumle kwaye ziyi-ruble yezigidi zeerillion, ngo-2019
Zingaphi i-insurrs ezinikelayo kubalimi?I-Destimeries ijelo eliphambili lentengiso yemigaqo-nkqubo: Kunyaka ophelileyo, ngenxa yazo, ii-inshurensi ziqokelele i-3/4 yayo yonke iminikelo. Malunga ne-40% (i-418 yezigidigidi) yale minikelo ibalelwa kwiibhanki: bafumana i-61% yemivuzo iyonke yabameli (i-209 yezigidi) njengeKhomishini (i-209 yezigidi).
IKhomishini, ethi i-inshurensi ihlawule abaphenguli abavela kwimirhumo efunyenwe ngokuthatha inxaxheba kwi-342 yezigidi zeerandi, okanye i-30% (+0.5 ngonyaka). Ngenxa yoko, imbuyekezo ye-intermeries ifikelela ngaphezulu kwesiqingatha sazo zonke iindleko (zokuqhuba ishishini, iindleko zolawulo) ze-inshurensi yaseRussia, ibhala ibhanki ephakathi.
Ezona ndawo zikhulu kwi-inshurensi yamatyala-kwiingozi kunye nezifo kunye nezifo zeinshurensi yobomi. Iinkampani eziqokelelwe kwezi ntlobo zeinshurensi ngoncedo lweebhanki ze-186 bhiliyoni kunye neebhiliyoni ezingama-87 zeebhiliyoni. Iipremiyamu, ngokulandelelana, kunye neKhomishini yale mali ihlawulwe ngaphezulu kwesiqingatha seminikelo: 66% (i-123 yeebhiliyoni) - e-inshurensi kunye ne-Inshurensi nxamnye neengozi kunye nezifo kunye ne-60% (kwi-inshurensi yobomi bababoleki. Ezi ntlobo zimbini zinikezele ngaphezulu kwesiqingatha somvuzo opheleleyo wabameli.
Phantse ikota yeKhomishini yeKhomishini ye-AutocCok kunye ne-inshurensi yeThutyana yaBantu:
Abameli abaphezulu bavumela i-inshurensi yokwandisa iminikelo kwiintlobo zengeniso ye-inshurensi. Ke, ukudityaniswa okudibeneyo kwe-inshurensi engenakohlela kwingozi kunye nezifo ekupheleni kuka-2020 yayiyi-722%, ilahleko (ngaphandle kweendleko zokuziphatha) yayilingana ne-23.3%; Ngemoto - 81.8 kunye ne-46%, ngokulandelelana.
Ukunciphisa ukuxhomekeka kwiibhankiIminikelo kunye nenzuzo yabathengi ixhomekeke kwimeko yemakethi yokubolekwa, qaphela i-Central Bank: yenza into yokungazinzisi ekuhambeni kwexesha. Umlawuli ukholelwa ukuba ukuba iithensi zeinshurensi zikhathalele ukwehla kweendleko zokwenza ishishini xa zizonketha i-commissions, oku kunokuqinisekisa uzinzo lwezemali kwixesha elide.
IKomishari ePhakamileyo yeenkampani kwiinkampani ezikwimali, embindini weebhanki, zihlala ziyindlela yokuhambisa umvuzo. Kodwa nakwikhomishini ephantsi, ingeniso ingathunyelwa kubanini ngokwamasano, ibhala ibhanki ephakathi.
Ukongeza ekusebenzeni nabalamli-mali kwi-inshurensi ukunciphisa imbuyekezo kunye nophuhliso lwesitishi kunye nophuhliso lwezezimali, ukwanda kokuzinza kwemali nokuba ne-inshurensi yobomi ephantsi-i-Inshurensi yexesha elide, i-DMS, njl. njl. Ukuncipha kwenkcitho yeinshurensi ukutsala nokugcina abathengi kuya kuba negalelo kwiprojekthi yomthetho kunye ne-Inners kwi-Intanethi, ngokudibanisa i-inshurensi enxulumene ne-inshurensi yokuzithandela kunye ne-CTP.
Inxalenye yeepremiyamu eziqokelelwe zii-inshurensi kwi-Intanethi ziseyi-5%. Ukunceda i-inshurensi, ukuphuculwa komthengisi, ozuze kwisiqingatha sesibini se-2020 kwaye waba ngumjelo omtsha wentengiso kwiibhanki, inshurensi kunye nezinye iinkampani zezemali, qaphela uMlawuli. Ukuthengiswa kweenkampani zeenkampani ngokusebenzisa indawo yentengiso kunokuqinisa ukhuphiswano lwamaxabiso kubathengi. Ukongeza, kunokwenzeka ukuba kusetyenziswe izicelo zeselula zeinshurensi, iiarhente ze-inshurensi kunye nabarhwebi beinshurensi zifakwe. Phantsi kwezi meko, i-inshurensi ibalulekile ekugcineni uzinzo lwezezimali. Kubalulekile ukuthintela amaxabiso okunciphisa kweli nqanaba lingezantsi kwengqondo, lilumkisa ibhanki ephakathi.