Izinkampani zomshuwalense zango-2020 zakwazi ukwandisa imiklomelo ngo-4.1% kuma-ruble angama-1.5 trillion, kusho iBhange eliphakathi. Ngisho nemingcele ehambisana nobhubhane ayizange ivinjelwe: Ukwehluleka kwikota yesibili kunxeshezelwe. Kepha emholweni wabashushisi, cishe akuzange kuthinti: ama-ruble angama-247,5 billion. ngokumelene nama-247,4 billion ngonyaka ka-2019
Icala kumakhomishini amabhange lapho izinkampani zithengisa khona iningi lemikhiqizo enenzuzo futhi ekhula kakhulu. Izindleko zabashushizo zokugcinwa kwamacala amacala azikaze ziphakeme kangako: i-coeffient ebaliwe ephakathi yebhange ifinyelele ku-43% - umkhawulo wesikhathi sonke sokubuka, kusho umlawuli. Ngenxa yalokhu, ukwakheka kobumbano olungenzi lutho oluhlanganisiwe sekuguqukile (kukhombisa ukusebenza kwebhizinisi eliyinhloko labashutheleka: Uma i-coeffient engaphezulu kwe-100%, ayisebenzi): ngonyaka odlule ayikashintshi futhi ibe ngu-90%: Amaprimiyamu akhula ngokushesha kunokukhokha (ngokwengxenye ngenxa yesikhathi sokuzifaka).
Izinga lezindleko likhule ngenxa yokuthi ukuholelwa kwabalamuli kwandise ngokushesha kweminikelo, kuphawula i-Central Bank: 5% kuya ku-342 billion rubles. Kepha amaphrimiyamu aqoqwe ngabalamuli empeleni awakhuphuki futhi abe ngama-ruble angu-1.1 trillion, njengase-2019
Bangakanani abathwele abanikezwa abalamuli?AbakwaMediciaries bayisiteshi esikhulu sokuthengisa kwezinqubomgomo: ngonyaka owedlule, ngenxa yabo, abahlinzeki bomshuwalense baqoqa ama-3/4 kuyo yonke iminikelo. Cishe ama-40% (ama-ruble angama-418 ama-ruble) ale minikelo ebalwa amabhange: bathola ama-61% okuholelwa ngokuphelele kwabameli (ama-ruble angama-209 billion) njengeKhomishini (ama-ruble angama-209 billion).
Ikhomishini, abathi abamthwali abakhokhelayo abameli abavela eminikeni etholwe ngokuzibandakanya kwabo okubangelwa ama-ruble angama-342, noma ama-30% (+0.5 ngonyaka). Ngenxa yalokhu, ukuholelwa kwabalamuli kube ngaphezu kwengxenye yazo zonke izindleko (zokwenza ibhizinisi, izindleko zokuphatha) zabashushi bomshuwalense baseRussia, kubhala ebhange eliphakathi.
Amakhomishini amakhulu kunawo wonke emshuwalense wesikweletu - kusuka ezingozini nasezifo kanye nomshuwalense wokuphila wababolekisi. Izinkampani eziqoqwe kulezi zinhlobo zomshuwalense ngosizo lwamabhange ayizigidi eziyizinkulungwane ezingama-186 nama-ruble angama-87. Amaphrimiyamu, ngokulandelana, kanye neKhomishini yalokhu ikhokhelwe ngaphezu kwengxenye yeminikelo: ama-ruble angama-66% (ama-ruble ayizigidi eziyizinkulungwane ezingama-123) - ngomshuwalense ngokumelene nezingozi nezifo ezingama-60% - kumshuwalense wempilo yababolekisi. Lezi zinhlobo ezimbili zihlinzeka ngaphezu kwengxenye yemholo ephelele yabalamuli.
Cishe ikota yeKhomishini ibiza i-autocask kanye nomshuwalense wenye impahla yabantu: omunye umshuwalense wesakhiwo sabantu, kungama-ruble angama-49% (angama-29% (ama-ruble angama-45 (ama-ruble angama-45).
Abameli beKhomishini Ephakeme bavumela umshuwalense ukuthi akhuphuke iminikelo ngezinhlobo ezinenzuzo yomshuwalense. Ngakho-ke, i-coeffied ehlanganisiwe yomshuwalense olahlekelwe ngokumelene nezingozi nezifo ekupheleni kuka-2020 kwakungama-72.2%, izindleko zokulahlekelwa (ngaphandle kwezindleko zokuziphatha kwecala) zazilingana no-23.3%; Ngemoto - 81.8 no-46%, ngokulandelana.
Unganciphisa kanjani ukuncika emabhangeIminikelo kanye nezinzuzo zabashushizo kuncike kakhulu esimweni semakethe yokuboleka, kuphawula i-Central Bank: Kwenza into yokungazethembi ekuhambeni kwesikhathi. Umlawuli ukholelwa ukuthi uma ngabe abashukunyiswa manje benakekela ukwehla kwezindleko zokwenza ibhizinisi lonke kanye nokwehla kwezimali kumakhomishini wezezimali, lokhu kungaqinisekisa ukuqina kwesimo sezezimali sabashushisi ngesikhathi eside.
Ama-High Commission Scarissioneries ezinkampani ezibambe ngokwezimali, maphakathi nawo amabhange, avame ukuba yindlela yokwabiwa kabusha imali. Kepha ngisho nakwikhomishini ephansi, imali engenayo ingathunyelwa kubanikazi ngezebelongo, ibhala i-Central Bank.
Ngaphezu kokusebenza nabalaleli be-Insurance ukunciphisa umholo kanye nokuthuthukiswa kwesiteshi ngamakhomishini aphansi, ukwanda kokuqina kwezezimali kwemboni kungaba nomthelela ekwandeni kwezinhlobo zomshuwalense ezinamakhemikhali aphansi - umshuwalense wesikhathi eside, i-DMS, Njll, ukholelwa ebhange eliphakathi. Ukwehla kwezindleko zabashukunyiswa ukuheha nokugcina amakhasimende kuzofaka isandla kwiphrojekthi yomthetho yemisebenzi ye-Insurance Agents kanye nabathengi nge-Internet egameni lakho kanye nezindleko zomshuwalense ezihambisana nomshuwalense wokuzithandela kanye ne-CTP.
Ingxenye yamaphrimiyamu aqoqwe ngabakwaMshuwalense nge-Intanethi kusengu-5%. Ukusiza umshuwalense, ukuthuthukiswa koMarketter, othole engxenyeni yesibili ka-2020 futhi waba isiteshi esisha sokuthengisa samabhange, umshuwalense kanye nezinye izinkampani zezezimali, kuphawula uMlawuli. Ukuthengiswa kwezinkampani kwezinkampani ngemakethe kungaqinisa umncintiswano wentengo kumakhasimende. Ngaphezu kwalokho, amathuba okusebenzisa izinhlelo zokusebenza zeselula zabashushisi, ama-ejenti womshuwalense kanye nabathengi bomshwalense banshrid. Ngaphansi kwale mibandela, abathengisi babalulekile ukuze balondoloze ukuqina kwezezimali. Kubalulekile ukuvimba amanani entengo ancishisiwe aze afinyelele ezingeni elingezansi, lixwayisa ebhange eliphakathi nendawo njengamanje.