Aelike Life Insurance eʻaʻole lawe mai People kumupaʻa

Ke Lūkini ola lapaʻau market ua hele i ka hanu hou ke ola, i kēia manawa o kona resuscitation Sberbank i na manao e hana. State Bank Initiative e,ʻo ka laulā kākoʻo no ka Ahaolelo Aupuni. Kela manawa, i kēia pūnāwai, ke aupuni e noonoo i ka Initiative o ke Pekelala Service no ka waiwai kuai, ma laila nō i nui pili i haawi huina waiwai kūʻai lapaʻau, i ka mea a me ka oiaio o ke ola lapaʻau, mamua o ka uku o ka emi ka waiwai o ke kālā. kukulu iho la lakou i ka kūikawā dala no ka uku o ke ola lapaʻau aelike. Paha, ka mea e hanaʻia e ia e nā haʻawina o nā mea a pau i komo makeke. Ka pahuhopu - e hoala mai i ka credibility o ka noho unpopular i loko o ke aupuni, he kaʻina hoʻi, makauliʻi.

'Aʻole he maʻalahi hana. Hiki i keia manawa, poʻe komo i loko o ka Lūkini market ola lapaʻau, hiki i kaena aku i kekahi pomaikai poʻokela ma ka hua'ōlelo o ka hoʻokomo 'ana i ke dala o ko lākou nā mea mālama mai. Ke kanaka Polenekia, a ua ho'ākāka 'ia ma ke kanawai no keia mea loa haiki, a me ka makahiki paha o ka man- akia meaʻilihune.

Sberbank, ia manawa, ua hoomakaukau e? Ii iʻano pākīkē kou akamai, e hoʻopio i ke kuai. No kēia mau mea, ka mea i kuai i ka lapaʻau poe, a me ka hoolohe, i ka hoihoi i loko o kanaka nunui makemake kona hou huahana pono i ka loaa o ka 60 tausani rubles ma ka aina, a ma ka 100 tausani ma ke poʻo.

Kūʻai hope paha i loko o ka lapaʻau market no ka mea a pau o ka makeke, a hiki ma ka mea symbolic - Sberbank kuai i kekahi Lūkini "kaikamahine" a Allianz Kelemānia e hoʻopaʻa nei i poe "Life kuikahi." Ma Europa, i ka nui loa lapaʻau poʻe i loko o ke kuai ka loa rudimentary, ia mea i oi aku 1% o ka heluna lapaʻau i loko o Rusia, oiai i loko o ka West, ua like ke hiki 60-70% .biznes ola lapaʻau i loko o mākou aina ua ole kūlike loa i hoakaka ia, a, e like me ka ua, ua na mea he nui o kona nā hoapili, haʻalele Rusia. I ka papa kuhikuhiE pilikia ma keia market, he elua, a koe pu ia mau e pili ai i ka hilinaʻi hilo. Mua, ma ko kakou aupuni, mai paulele i ke dala ia no ka lōʻihi manawa. A me ka lua, ke ao nei market o ka lapaʻau, o ka oi aku ke ola, hoike mai kona unreliability iloko o ka hope kālā ulia me ka moku'āina kākoʻo makemake ua hina no ka nui a me keia i kekahi "ano e oia", like AIG.

Aia nō i nui pili i ka huina like o ka hoi ana mai o ka waiwai kūʻai lapaʻau, i ka mea a me ka oiaio o ke ola lapaʻau, mamua o ka uku o ka emi ka waiwai o ke kālā.

Waiwai kūʻai kālā i ohi ia ma lalo o kēia mau ae like ana ua paʻa ma luna o like na rula e like me ka hooponopono ana, no ka laʻana, hoomau makauliʻi. Ia manawa, i ka ponoi man- akia o ka hoʻolako 'hapa o ka hoomau loaa i ka 2011, o ka hopena mea nuiʻoi aku ma mua o ka moku'āina o VEB, a me ka mea i nele i ka loaa i ka uku o ka depreciation o ke kala. Ie mai i pono ai lapaʻau makauliʻi kanaka nae, aole.

Ma nā hua'ōlelo, i loko o ka maka o ka heluna kanaka banal panakō hoʻokomo kālā, e hoʻomau i ka nānā nui aku e ahoʻia ma mua o lako hou'ōnaehana poʻe. Lakou i hana i loko o ka pōkole au o ka manawa, a haawi aku ko kakou aupuni i ka oi aku paha ma ka liʻiliʻi loa oi hale lio hoike.

No laila, hiki, o ka waiwai kūʻai kou akamai o ka makauliʻi Bank o ka lapaʻau market mea unclear, akā, ua loaʻa ka 'ike i ka uku kula ua hoomakaukau ana i kekahi kau i hāpai', a e kōkua iā ia (a me nā mea a pau kēlā mau poʻe, he) Ua oi e pono e waiho aku i ke kālā o ka poe kanaka, ka poe i ho'ōla pānaʻi ai kūkulu 'ia. Aia mea i kanalua i loko o ia ka "locomotive" e koke laina mai a me nā lālā 'ē aʻe o ke ola lapaʻau market, ke ole, o ka papa, Sberbank e e hiki ia "ʻolokaʻa mai" i ka hana. Ma ka manawa, i ke kuai i loko o ka loa embryonic ke kahua, ia mea i oi aku 1% o ka heluna lapaʻau i loko o Rusia, oiai i loko o ka West, ua like ke hiki 60-70%.

Kālā kanaka nunui, i hou i ka hoʻokahi wale nōʻanoʻenehana pilikia Pono e e kamaʻilio, a hoʻokahi wale nō manaʻoʻike pilikia - i loko o ka Lūkini lapaʻau ike ma ka heluna kanaka e like me ka mea e pono ai ka hewa. Ia mea no keia mea, ua hiki ke kuhi ana i ka nui kala, e hele mai hoʻi loa koke, nolaila, o ka poe lapaʻau o ka makauliʻi Bank, e hana me ka dala lawa e hana i kekahi 'O ke kaulike pono a me ka waiwai kūʻai waihona kālā.

No ka mea, MoneyVector i ka puka, a kuka nā mea kūʻai mai e nana loa i ka hou huahana, e kali oe ma ka liʻiliʻi loa o ka makahiki a elua, e ike i ka hua, e hiki e ke hoʻolako i nā man- akia o ka makauliʻi Bank. A ina e huli mai ma ke kiʻekiʻe o ke dala nei holo 'awelika, a hiki ma lalo, e kali no ka mea ulu o ka' oihana akamai pū nō hoʻi o nā limahana o ka lapaʻau poe, a i hoʻoili ma ka waiwai kūʻai.

No hoi, mai poina i ka waiwai kūʻai lapaʻau 'oe i kekahi e hoʻohiki, i ka mea, he hiki ole e - keia pinepine ka hana i loko o ke ao nei kālā. General hiki ia i ka lilo ana o keia kekahi, he, mea ole'ōnaehana paleʻea. Ma na olelo e ae, he mea pono e he umi manaʻo mua oe e haawi aku i loko i nā entreaties o Sberbank man- akia.