Lacagta hawlgabka gaarka ah: dib u eegista gaar ah iyo fikradaha khabiir

Sababo la xiriira isbeddel ah ee nidaamka hawlgabka muddada muddada post-Soviet-qaybgalayaashu ay si firfircoon waxay ahaayeen lacagta hawlgabka non-state. Waa maxay shaqada iyo haddii aad iyaga la aamini karin - waa kuwan su'aalaha dabiiciga ah ee muwaadiniinta Ruushka. Ka dib oo dhan, mas'uuliyadda ay caadiga ah ee ku nool muddada nasasho si fiican u qalantay in mustaqbalka qayb ahaan la wareegay ee lacagta hawlgabka ee gaarka loo leeyahay, dib u eegista kuwaas oo aad u kala duwan.

Waa maxay - NPF?

Non-state fund hawlgabka (NPF) - urur aan faa'iido doon ahayn in ururayaa kaydadka hawlgabka ee dadka iyo in la hubiyo in ay maalgelin, qoondaynta iyo bixinta qayb ka mid ah maalgeliso ee hawlgabka xubnaha fund. Foundation muwaadiniinta siinaysaa fursad inay ka qayb qaataan nidaamka gaarka ah hawlgabka kuu ogolaanaya inaad si loo horumariyo si ay u abuuraan cimri wanaagsan.

Sababaha ka bixitaanka iyo horumarinta

Xaaladan ka mid ah ururada sida dalbaday in dib u habaynta hawlgabka, fuliyaa si ay u gudbaan dhibaatooyinka nidaamka jir ah iyo in la hagaajiyo heerka nolosha ee dadka hawlgabka ah. Citizens ayaa la siiyaa fursad ay ku kala duwan ilaha (component gobolka iyo kaydka shakhsi, kuwaasi oo ay u maleeyeen in uu sameeyo lacagta hawlgabka non-state) waxay helaan lacagta hawlgabka. Reviews iyo doodda dadweynaha muddo 20 sano ah in ay qaabeeyaan ra'yiga dadweynaha ku saabsan arrintaan.

In horraantii 1990, SPC abuuray aad u firfircoon, laakiin xakameeyo hawlahooda ahaa mid aan dhamaystirnayn. Kaliya tan iyo sanadkii 1995 waxa uu noqday waraaqaha sharciga ah ee la ogolyahay, sida uu sheegay taas oo ay suurto gal ahayd in la xeeriyo iyo maarayn shaqadooda. Sanad ka hore abuuray kormeerka ee lacagta hawlgabka ee gaarka loo leeyahay oo hoos yimaada Wasaaradda Protection Social dadweynaha ee Ruushka, kaas oo awood u leeyahay si ay u maareeyaan oo ula socdaan hawlaha ay. Kolkaasay bilaabeen inay ku fuliyo hawlihiisa iyada oo la raacayo qodobada sharciga ah (si aad u hesho ruqsad, si adag u hoggaansamaan heerarka horumariyo by Kormeerida, in ay soo gudbiyaan warar). Laakiin fowdo sharci ee bilaw weli sababay dhaawaca in nidaamka cusub ee hawlgabka. Waxaan iyo dadka ka lumay, iyo lacagta hawlgabka ee gaarka loo leeyahay. Reviews ku saabsan heerka isku halaynta of dambe waxay ahaayeen xun, sidaas boqolleyda kalsoonida dadweynaha weli hooseeyo.

About lacag

In la xidhiidha shuruudaha giijisan ee hawlaha ka mid ah ururada gobolka ka mid ah tirada ayaa hoos u dhacay, laakiin sidoo kale suuqa oo aad u badan ay ka tageen - oo ku saabsan mid ka mid boqol iyo shan iyo labaatan. Ma aha la yaab leh, muwaadiniinta adag in aad doorato in ay aamini kaydka ay. Tani waxay kaa caawin kartaa ratings, kaas oo dhowr Tilmaamayaasha muhiimka ah sifaha lacagta hawlgabka non-state. Reviews of muwaadiniinta caadiga ah iyo khubaro ka dhigi doonaa in la caddeeyo qaar ka mid ah oo kaa caawinaya in aad go'aan ka. Halkan waxaa ku qoran tusaalooyin yar.

Mid ka mid ah ugu horeysay ee Russia, waxay ahayd a non-state "Promagrofond 'fund hawlgabka. Reviews dabcan, kala duwan. On suuqa tan iyo 1994, waxa ay leedahay liisanka weligiis ah in la, 2004 shaqeeyaan. "Khabiirka RA" on natiijada 2012 abaal "Promagrofond» rating ah "A +" (heer aad u sarreeya). On sida qiimeynta ayaa saamayn lacagta adag ee hantida fund ee. Tani waxay xaqiijineysaa in ay dhacdo failure of lacagaha bankiga ee fund reserve ah waa suurto gal ah si ay u qanciso macaamiisha by samaynta lacagta ka soo hantida. In ka badan boqol magaalo Russia yihiin "Promagrofond" waaxda. Sidoo kale, in ka badan 15 sano (tan iyo 1997) oo ku saabsan suuqa adeegyada hawlgabka shaqeeya 'Trust' fund hawlgabka. Reviews hawlaha ay ku salaysan yihiin fikrad ah ee maal iyo qiimeeyayaasha. By natiijooyinka 2011 Fund galay shanta kooxood ee ugu sareysa marka la eego soo laabtay on lacagta hawlgabka oo waxaa lagu qiimeeyo ee "A" qiimaynta "National Rating Agency", iyo in 2013, qiimeynta kacay heerka "AA". "Trust" shaqeeya in ka badan 40 magaalo ka mid ah Russia.