Deposit inshora. A jerin bankunan kunshe a cikin ajiya da inshora tsarin

Deposit Insurance System (Dis) - da hanyar da kariya na ajiya a banki na abokan ciniki. Wannan shi ne na musamman shirin aiwatar da jihar. A taron na wani hali na inshora hadarin (misali fatarar) na Deposit Insurance Agency (DIA) a cikin guntu yiwu lokacin zai rama ajiyar dukan adadin baya yi da su, shi kuma Halicci jerin bankunan kunshe a cikin ajiya da inshora tsarin.

Ka'idar aiki na Rasha jihar CERs

Aikin wannan tsarin daidai da FZ № y77-FZ na 23.12.03 Babban maƙasudin na daukacin jihar tsarin ne (a cikin taron na ƙarshe na banki tsarin) koma zuba jari kashe dukan kudi a kudi na wasu source, wanda shi ne financially alaƙa da kowa da kuma na wani abu. Bugu da kari, da zuba jari ba ya bukatar ya bugu da žari gama da wannan banki tsarin musamman kwangila na inshora gudunmawar. A jerin bankunan kunshe a cikin ajiya da inshora tsarin, kunshi dukan waɗanda kudi cibiyoyin cewa samar da irin wannan ayyuka.

ayyuka na Agency

Babban aiki na Agency ne don tabbatar da cewa ayyukan da tsarin na inshora na adibas na jiki mutane na tsabar kudi. Rights amfani da shi zuwa ga dukkan al'amurran da kuma matakai na banki, dangantakar da Central Bank da kuma ajiyar. Babban ayyuka na ma'aikata:

• Control replenish ga asusun inshorar, rike da tarin gudummuwa daga cikin jam'iyyun.

• A jerin bankunan kunshe a cikin ajiya da inshora tsarin: da lissafin kudi, da gyara.

• Accounting for gabatarwa ajiyar, yarda da aikace-aikace na ajiya maida.

• A adadin reimbursement.

• fassara da yanayi da kuma hanya na banki biya lissafin.

• Zuba Jari na ragi kudi ga manufar ƙarin kudaden shiga daidai da data kasance dokokin.

• A da ake bukata na bayanai tallafawa bankuna a kan aiki na duka inshora tsarin.

• aukaka {ara zuwa ga Central Bank a kan aikace-aikace na matakan da suka dace don bankuna, wanda keta ta bukatun.

jam'iyyun CERs

A membobin wannan tsarin ne abokan ciniki na banki tsarin da Rasha Federation:

• Banks cewa sun samu wani lasisi da za su gudanar da ayyukan da mutane, wato, da bankuna kunshe a cikin ajiya da inshora tsarin.

• Deposit Insurance Agency.

• CBR. Yana da wani tsaiko kashi a cikin wannan tsarin.

• Jama'a na Rasha Federation, tare da matsayi na wani mutum.

• SP da ciwon babu doka matsayi, amma wanda ya bude wani asusu domin gudanar da aiki a kan wani kwararren akai (avdokaty ko notaries).

• Wasu hukumomin, wanda su ma da bin doka, kazalika da bankuna, a baya gane kamar yadda kungiyoyin bayar da inshora da sabis.

Wanne bankuna suna kunshe a cikin tsarin na m ajiya da inshora a Rasha Federation? Amsar da aka sosai da hannu duk bankuna. Ba guda banki ba zai iya samu a lasisi, idan ba a jam'iyyar zuwa ga CERs. Kamar yadda wani yakin kariya tsarin na ajiya a banki a Rasha tun shekara ta 2003, akwai wani tsabar kudi ajiya da inshora tsarin (SSDV). Dalilin wannan tsarin shine rama farar hula adibas na wani musamman kudi source, idan akwai ya kasance wani lõkacin fatara daga ayyukan wani kudi ma'aikata, wani ɓangare na jerin bankunan takara a tsarin na wajibi inshora gudunmawar. Muna da bukatar wasu ƙarin kudi tushen - da inshora ajiye asusu. Ya aka kafa a cikin inshora hukumar. Dalili na ƙari (daya daga dama) da kuma Rasha Federation ne bankunan da suke son yin kokari tare da wani farar hula. Kuma kawai bayan yin wasu monetary taimako ga ajiye asusun bankunan da dama da za a lasisi ta yi aiki tare da jiki mutane. A Asusun ne a bayansa da ta bankunan a kan wani kwata-akai. The adadin irin wannan kudin da aka kafa ta Board of Directors. Daidai ne ga dukkan bankuna, amma wani lokacin shigarsu gyara, wanda, bi da bi, za a iya dogara ne a kan halin yanzu tattalin arziki halin da ake ciki da sauransu.

Insurable adibas

Inshora batun adibas, wanda aka sanya a cikin wani kudin. Idan wani da inshora taron ya auku, da zuba jari reimbursed dukan adadin, amma ba wucewa 1.4 miliyan rubles. Dalili na inshora da kuma hidima a matsayin yarjejeniyar kammala da jam'iyyun a kan wuyan wani asusu a cikin sunan abokin ciniki ta banki.

A jerin bankunan takara a ajiya da inshora tsarin

Wani banki tsarin da samun dangantaka da jiki mutane a kan tushen da lasisi ne kunshe a cikin Agency Register. Kuma a cikin Reverse domin - wani banki na ce littãfi yana da lasisi ga ayyukan da jiki mutane. Idan ba a kunshe a cikin jerin bankunan da kunshe a cikin ajiya da inshora tsarin, to, shi ba zai yiwu a gudanar da dacewa ma'amaloli. Bankin shiga cikin ce jerin kawai a lokacin da biya wasu gudunmawar da inshora asusu. Kuma da inshora kamfanin dillancin, bi da bi, yana da iko ya ware wani banki da kuma ta haka ne don daidaita jerin bankunan kunshe a cikin ajiya da inshora tsarin. Kawai a biyu lokuta, da banki iya share daga jerin:

• soke lasisin kuma daina aiki.

• Kaddamar da Babban Bankin na moratorium a kan banki daidai da bukatun na bashi.

A halin yanzu, da halartar bankunan na tsarin na wajibi inshora na adibas na mutane da yin jerin, wanda ya hada da fiye da 1,000 cibiyoyin.

Da farko, shi ke babban kuma sanannen cibiyoyin da wani zamani Rasha harkar banki, suna daga cikin su:

• Sberbank.

• "Gazprombank".

• "Alfa-Bank".

• "aikin gona Bank".

• "Raiffeisenbank" da sauransu.

Bugu da kari, ajiya da inshora da kuma goyon bayan da kadan-san ma'aikata: "Plus Bank", "Loco-Bank", "Cedar" da sauransu.

Don samun jerin bankunan takara a ajiya da inshora tsarin (a total fiye da 800), isa ga tambaya ga Agency. The official website na kungiyar bayar da dukan zama dole bayani. Ya kuma samar da bayani a kan bankuna, wanda ya rasa da dama da za su gudanar ayyukan to zuba jari ta kudi ga asusun na halitta mutane ko tafiyar da inshora kudi 'yan ƙasa.

A manufofin da inji na Asusun

Wannan kudi tsarin da aka halitta a matsayin tushen aiki na yakin monetary ajiya da inshora inji. Babban kuma mai yiwuwa ta kawai nufi shi ne ya koma da duka adadin ajẽwa fararen hula, waɗanda suke abokan ciniki shafi ƙarshe na banki ta aiki a darajojin wasu dalilai na rayuwa. Asusun a cikin cikakken hankali daga cikin siffofin na kudi gudunmawar sanya ta halartar bankunan ajiya da inshora tsarin, da kuma daga riba, daga stock investvlozheny nasu kudi.

Babban hanyoyin da za a cika stock

1. A jihar revolving asusun wasu adadin da Central Bank of Rasha. A halin yanzu, wannan adadin ne daidai da biliyan 7.9 rubles.

2. A halartar bankunan na tsarin na m ajiya da inshora.

3. Income daga investvlozheny stock kudi a Securities daga cikin mafi girma da kungiyoyin a adibas na Bank of Rasha. Zuba jari suna da za'ayi na musamman a yarda da bukatun na dokar tarayya a kungiyoyin ba riba siffofin aiki.

Babban halayyar da stock cikin ni'imar da samun 'yancin kai daga duk wani hukumomin gwamnati da kuma bankuna. Wannan ya tabbatar da cewa ya jamiái ba za a iya amfani ga sauran ayyukan baicin inshora biyan bashin ajiya. An muhimmanci bayãnin hukuncin alama wannan tsari ne cewa ta jamiái ba su shafi fanarite ga wajibai na kudi cibiyoyin sa suna a cikin jerin bankunan da kunshe a cikin ajiya da inshora tsarin da kuma gudanar da gudunmawar.

Features na kudin kasashen waje adibas

Adibas a bankuna na Russia a wani waje kudin da ake bukata domin sha da inshora. Duk da haka, ka sani cewa, a cikin taron na wani da inshora taron za a reimbursed a cikin ruble version. Haka kuma, recalculation aka yi bisa ga CB a kan kudin musayar kudi, wanda aka saka a lokacin da lamarin ya taso inshora. The adadin inshora indemnity ne ma daya da ɗari bisa dari na jimlar size na ajiya, amma ba wucewa 1.4 miliyan rubles. Interest rates na kudin kasashen waje adibas an kuma dauki cikin la'akari a sama. The domin na samu a kan kudin kasashen waje adibas ne kama da ruble adibas.