NPF Sberbank: dib u eegista. NPF Sberbank: faa'iidada

Pension - ma aha oo kaliya xuquuqdeeda of Waxaana jariidadu intaas ka, laakiin sidoo kale tiro badan oo ururrada aan dawliga ahayn profile khuseeya. Mid ka mid ah ugu caansan - NPF Savings Bank. Maxaa calaamad u ah hawlaha oo ka mid ah hawlgabka gaarka ah? Waa maxay odhan dib u eegista macaamiisha? Waa maxay booska uu ka fund ee qiimeynta bilaha ah?

Waa maxay fund hawlgabka

Ka hor inta baadhaya fund hawlgabka non-state of Bank Savings ah, waxaa waxtar leh u noqon doonaa si ay u fuliyaan a digression yar teori in mawduuca ugu muhiimsan ee arrintan. Waa maxay nooca urur - ka NPF? lacagta hawlgabka gaarka ah - waxa gaarka ah ee ay shaqada iyo ujeedada hay'adda?

SPC ugu horeeyay ee u muuqday in 90s ee, laakiin wakhti dheer ah ma helin qaybinta ballaaran. Waxay yihiin kale oo urur goboleedka - Pension Fund Ruush ah, kaas oo noqday bedelka sharciga ah ee qaab-dhismeedka la mid ah, kuwaas oo u shaqeeyay in USSR. abuurka ah ee lacagaha gaarka ahaa Yeedhiyaa, sida laga soo xigtay khubaro, damaca gobolka si loo yareeyo Kanu waa warka culus ee maaliyadeed. Sidee?

Xaqiiqada ah in badan oo ka mid ah waajibaadka hawlgabka ee gobolka si ay muwaadiniinteeda, oo ku salaysan waxyaabaha gaarka ah ee nidaamka ammaanka bulshada ee hadda ka jirta Federation Ruush ah, waxaa sabab u ah formation of qayb ka mid ah maalgeliso ee lacagaha. saldhiga ah waa qeyb ka mid ah dadaalka xad waa yar yahay - in ay dowladda inta badan qaadataa in ka badan.

lacagta hawlgabka ee gaarka loo leeyahay, marka lagu daro, in kiisas badan oo, waxay bixiyaan heer sare ah bixinta saamiga waa ay sabab u tahay hababka of maalgashiga noocyada kala duwan ee hantida, ka qayb-soo iibinta iyo sale of securities-ka iyo noocyada kale ee hawlaha ganacsi sharci ah. Sida caadiga ah, lacagta hawlgabka ujeedadaas iskaashi la shirkadaha maaraynta, kuwaas oo mas'uul ka ah noocan oo kale ah xeeladaha dhaqaale.

lacagta hawlgabka kayd ku filan oo ilaaliya sharciga. Intaa waxaa dheer, shuruudaha gelitaanka hawlaha NPF hadda waa arrin adag, iyo sababta oo ah suuqa ugu fudud kama tegi karo shirkadda, taas oo uu leeyahay halista inuu kaco. Haddaba Russia waxaa jira darsin dhowr waaweyn NPF. iyaga ka mid ah - fund hawlgabka non-state of Bank Savings ah. Maxay yihiin waxyaabaha gaarka ah ee hawlihiisa? Intee ayey la dhalidda ee ay kaleeyihiin for Bank Savings ee 2013 iyo la filayaa in 2014?

Guudmarka

Ina keena aynu ka baran macluumaadka guud oo ku saabsan Sanduuqa ku xusan. Aasaasihii of NPF - Sberbank of Russia, hay'adda ugu weyn ee dhaqaale ee dalkeenna. Foundation ayaa waxaa la abuuray 1995, 3 sano ka dib markii la daabaco ee amarka Madaxweynaha Ruushka, kaas oo noqday xeerarka sharciga ah marka hore lagu maamulo hawlaha shirkadda.

fund hawlgabka waxaa ka mid ah Ururka qaranka ee ay khusayso. Sida laga soo xigtay hay'adaha badan gorfaynta, rating NPF Savings Bank - mid ka mid ah kuwa ugu sarreeya kala duwan ee falalka lacagta hawlgabka non-state. Sida laga soo xigtay mid ka mid ah ururada ugu weyn ee uu ka samaysan yahay qiyaasaha baahisey, fund ugu badan lagu kalsoonaan karo. Gaar ahaan, jagooyinka waxyaalahan waxaa loo qaatay khubaro ah Agency Rating Qaranka, iyo sidoo kale ururrada sida "Expert RA".

NPF Savings Bank of Federation Ruush ah waxaa loola jeedaa hay'adaha la tilmaamay inay tahay "fund-dhamaadka u furan." Hay'adda bixisaa kala duwan oo ka mid ah hawlgabka iyo khadadka ganacsiga shakhsi. Gaar ahaan, adeegga heshiiska geli karaan muwaadiniinta (gudahood caymiska khasabka ah iyo in la siiyo ka qaybgalka barnaamijka ee co-maal) iyo hay'adaha sharciga ah. Suurtagalnimada soo gabgabeeyaan heshiis xaaladaha shaqsi ka yar taas oo ay diyaarisey qorshe fariistay shakhsi, shuruudaha sharci-dejinta ku haboon.

NPF hadlaya Savings Bank waxaa laga heli karaa ku dhawaad gobolka mid ka mid ah Russia. fund hawlgabka - mid ka mid ah ugu caansan Ruushka, laamihiisiina way wada matalayay dalka in badan oo kala duwan. Hawlaha ugu muhiimsan ee SPF waxaa lagu sameeyaa iyada oo xafiisyada shirkadda waalidka, iyo sidoo kale iyadoo ka qaybgalka ee khayraadka shabakadda hay'adda.

Qaab maarayneed

qaab-dhismeedka maamulka ururka sare ee - Golaha Foundation a. In la eego tixraaca ay yihiin arrimaha istaraatiijiga ah iyo maamulka guud ee shaqada hay'adda. Guddiga Fund ayaa sidoo kale horumarinta noocyada kala duwan ee waraaqaha caadi, sida uu qorshaha maaraynta kaydka hawlgabka, ayaa filaya in faa'iidada iyo hawlaha kale ee dhaqaalaha.

In dhismaha maamulka NPF Savings Bank ayaa sidoo kale Guddiga Audit joogo. Waxaa maamula gacanta hawlaha dhaqaale ee ururka. Magacaabay Guddiga Guddiga Foundation. Sidoo kale in qaab dhismeedka ururka uu leeyahay Guddiga a of Trustees. In uu aqoon - kormeer ururka for waafaqsanaanta sharciga. Iyada oo qayb ka mid ah Board of Trustees plenipotentiaries joogo macaamiisha fund.

habeynta

Bishii Abriil 2014, Sanduuqa la habayn iyo heshay aqoonsi ah urur iyo sharci cusub. Hadda waxa uu si rasmi ah waxaa loo yaqaan "NPF Savings". Ka hor this, fund ku lahaa xaaladda "urur aan faa'iido doon ahayn ee ammaanka bulshada." Dhamaan xuquuqda iyo waajibaadka NPF ah, hawl-dhismeedka foomka hore ee dowladda, mari beddelin galay ururka, kaas oo ay maamusho shirkadda wadajir ah stock.

Qiimaha caasimada idman ee Bank Savings ee NPF sida shirkad - 150 million rubles. Saamiyada leedahay aasaasihii. Taasi waa, Bank Savings reer Russia. Corporatization ee fund ah, sida laga soo xigtay khubaro, ay sabab u tahay shuruudaha sharciga cusub. Sida laga soo xigtay iyaga, ka hor inta January 1, 2016 SPC oo dhan in howlaha ay ka shaqaynayaan on profile ah caymiska hawlgabka khasab ah, waa in la beddelaa shirkadaha stock wadajir ah. Haddii SPC la shaqeeya, OPS isku iyo bixinta gaarka loo leeyahay, fund waa in la sameeyay, taas oo ku hawlan shaqada jihada ugu horeysay oo keliya. Taa baddalkeeda, lacagta hawlgabka, kuwaas oo waxqabad ku xiran yahay bixinta non-gobolka, ku xiran shirkada wadajir ah stock ka hor inta January 1, 2019. Haddii lacagta aadan sii gudahood nooca ku haboon la diinta gudaha xadkooda qoray sharciga, waxay la tuurayaa doonaa.

regalia

NPF Savings Bank - urur waqti si aad u hesho wax badan oo abaal industry ee ay qaab. Waa kuwee kuwa la ogaadaa kartaa in meesha ugu horeysa?

In 2013, tusaale ahaan, fund ayaa abaal shahaado haybadda leh ee hay'adda "Expert RA" (mid ka mid ah ka dhigaya ee ratings ee lacagta). Magacaabida - "Waayo horumarinta caymiska hawlgabka gaar loo leeyahay." Isla sanadkaas NPF Savings Bank helay abaalmarinta kale. Waxaa loo yaqaan "Financial Elite of Russia". Magacaabida codadka sida "The dhaqdhaqaaqa horumarinta."

In 2012, NPF Savings Bank ayaa sidoo kale la siiyay by "Expert RA". Laakiin markaas magacaabista waxay ka dhawaajiyeen duwan - "heerka sare ee koritaanka in macaamiisha ee SPC". Isla sanadkaas, SPC helay abaalmarinta "Financial Olympus 2011". magacaabista baahisey ka dhawaajisay sida "Shirkad Tafaariiqda". Siiyay in ay qayb gaar ah, kaas oo la odhan jiray "The dhaqdhaqaaqa iyo hufnaan."

In 2011, Bank Savings ku NPF sidoo kale ka "Expert RA" helay shahaadada. Waxaa intaa dheer, in dhowr qeybood. Midkii kowaad wuxuu u - "heerka sare ee koritaanka ee macaamiisha." Shirka labaad ee - "Wixii horumar ah ee isku halaynta."

Sannadkii 2010, sida laga arday xogta laga tiro ka mid ah ilaha, NPF Savings Bank ahaa ururka kaliya ee ay duurka, kaas oo ahaa goolka guusha ee abaalmarinta "Company of the Year" ka. Magacaabida ka dhawaajisay sida "Maaliyadda". Waxaa intaa dheer, in isla sanadkaas fund ku helay "Maaliyadda 2010". magacaabista baahisey ka dhawaajisay sida "Waayo, istaraatijiyad riyadii ka."

In 2009, NPF ayaa sidoo kale noqday ururka keliya ee ay duurka, kaas oo la gudoonsiiyay "Financial Olympus". Magacaabida ka dhawaajisay sida, "fund hawlgabka Istaraatijiyada Maamulka". Sannadkii 2008, Foundation helay abaalmarinta "Tirada The Guryev" oo uu kaalin weyn horumarinta warshadaha profile ah. Sanadkii 2007, NPF ayaa la gudoonsiiyay "Financial Olympus". Magacaabida ka dhawaajisay sida, "fund hawlgabka Istaraatijiyada Maamulka".

fikradaha Users

Well, regalia NPF Sberbank ku filan. Laakiin sida ay qraallo-celinta macaamiisha? Maxaa qof Dadwaynaha ku hadhay by in industry ee online dariiqooyinka dib u eegista? NPF Savings Bank - kalsoonaan karo a, ku salaysan-celinta macaamiisha ah, qaab dhismeedka? su'aasha An maqlana. Laakiin waxaan isku dayaynaa in la siiyo hanuun jawaab suurto gal.

Haddii aan soo qaadanno saldhig ahaan qiimeynta dib u eegista macaamiisha NPF Savings Bank ee 2014 ama sanadihii hore, labada kooxood ee fikradaha lagu kala sooci karaa. Midkii kowaad wuxuu u - dhexdhexaad-negative. Second - positive. Marka laga ugu horreeyey. Dadka ayaa soo jiitay by helitaanka iyo tayada kaabayaasha adeegga, kaas oo abuuray by Sberbank. Waxaad tegi kartaa laan ka mid ah hay'ad maaliyadeed ee bangiga kala oo aad weydiisan kartaa wax su'aalo ah oo ku saabsan shaqada ee NPF, xal u baxaya kakanaanta. Si kastaba ha ahaatee, sida uu u sheegay macaamiisha qaar ka mid ah, heerka mas'uul ka ah takhasusay laamaha qaar ka mid ah in si wanaagsan waxaa laga yaabaa in ay sabab u tahay hab buuxda u horumaray ee dhexgalka of Fund iyo in la dhiso qaab-dhismeedkoooda had iyo jeer ma aha sare. Oo waa - qaar ka mid xun, taas oo ay muujineyaan jawaabaha. NPF Savings Bank waqti isku mid ah Mahdiyo manufacturability (ka dib waxaan ku furi doonaa midka this). Fiiro gaar ah tayada sare ee warbixintan. Tusaale ahaan, marka la gaaro dhamaadka macaamiisha sanadka had iyo jeer iman waraaqaha faahfaahsan ka tarjumayaa waxa dhalidda NPF Sberbank muddo gaar ah. Noocan ah jawaab-celin loo kala saari karaa sida cad u wanaagsan. Sidoo kale in this category waxaa jira fikrado ka tarjumaya tayada sare ee wakiilada, la tashado, taasoo la muwaadiniinta heshiis adeeg hawlgabka. Inkastoo, sida uu u sheegay khubarada qaar ka mid ah, waxaa laga yaabaa in aan si toos ah ugu xiran siyaasadda shaqaalaha ee Bank Savings ah.

About ra'yiga dadweynaha ee ku saabsan dhaqdhaqaaqa ee fund ah u hadli karin dib u eegista macmiilka oo kaliya. NPF Savings Bank joogo in tiro ka mid ah waxa loogu yeero "Dadka rating," ururiyey by qaar ka mid ah portals warshadaha. Xaaladdan oo kale, sida caadiga ah, tayada adeegga lagu qiyaasay. jagooyinka gaar ah fund waqti isku mid ah oo aad u kala duwan yihiin qoraalkii kala duwan ee ratings ee.

format elektarooniga ah

Dhab ahaantii, hadda waa on dhinaca ka tarjumaysa kaabayaasha hadda. Kor waxaannu xusay in shuqulka NPF Sberbank filan technologized - iyo waxa ugu horeeya ee macaamiisha oo dhan xusay. Inta badan ay timaado in channels online of dhexgalka iyo fund maal. Macmiilka kasta NPF Savings "My Account", kaas oo laga heli karaa iyada oo loo marayo browser a. Intaa waxaa dheer, in aad codsato diiwaangelinta nidaamka NPF macaamiisha cusub ayaa sidoo kale internetka ee ururka. Waxaa ugu Filan in iskaan photo, baasaboor, SNILS, ka dibna iyaga geliyaan via foomka online. Sida laga soo xigtay qaar kamid ah qabiirada, teknoolajiyada casriga ah, kuwaas oo gundhig in NPF Savings Bangiga ( "My Account" in meesha ugu horeysa), ugu danbeyn noqday halbeegyada warshadaha iyo si firfircoon uga qayb qaadan doontaa sidoo kale in lacag kale.

faa'iidada

Haddaba dakhliga dhabta ah. Sidee faa'iido in la siiyo hawlgabka ka yar maamulka NPF Savings Bank? 2014 ballan qaaday in ay noqon waxtar buu ku saleysan xaaladda dhaqaale?

First of dhan, Khubarada ayaa leh - faa'iidooyinka kaashanaya lacagta hawlgabka non-state inta badan ku xiran tahay waxyaabaha gaarka ah ee qandaraasyada ku soo gabagabeeyey iyaga iyo muwaadiniinta u dhexeeya. The qandaraasyada ugu faa'iido aqoonsan yahay qorshayaasha loogu yeero shaqsi. Xaqiiqada ah in ay ku habboon dhabta ah ee Russia midka - mushaharka "baqshado". Intaa waxaa dheer, noocan oo kale ah heshiis muwaadiniin wanaagsan mushaar ka badan 47 kun oo rubles (sida ay tahay - sal kama dambaysta for xisaabinta lacagta hawlgabka) ..

Haddaba gaarka ah. Waa maxay heerarka soo laabtay NPF Savings Bank ee sannadka 2013? Tirokoobyada sii daayay ururka, - 6,74%. Waa niyad jab, dabcan, waxaa laga yaabaa in ay u muuqato suubban. Si kastaba ha ahaatee, waxaa uu ka badan yahay sicir bararka, taas oo ahayd 6.5% ee 2013. Oo waa - mid ka mid ah shuruudaha ugu muhiimsan ee dhexgalka la NPF ah, Khubarada ayaa leh. Ujeeddo hadlayay, si ay u helaan lacag badan oo bankiga NPF dhibaato. The wax ugu muhiimsan - si ay hawlgabka ka sicir bararka ilaaliyo. Oo haddii ay kaleeyihiin in ay wax ka qaban, natiijooyinka hawlaheeda, in mabda, la qiimeyn karaa sida wanaagsan. Sidaas falanqeeyayaasha ayaa sheegay in. Well, sicir-asiibi karo marka laga natiijada 2013 viewed, abuuritaanka sida dhismeedka saameyn sida Sberbank, NPF. -celin Customer muujinaysaa in waxqabadka guud ahaan, ku qanacsanaa muwaadiniinta. Inkastoo, sida maal xusay NPF, leeyihiin lacag, halkaas celinta ahaayeen sare.

Si kastaba ha ahaatee, waxa macno in la baaro wax qabadka, ma aha oo kaliya loogu talagalay hal sano, laakiin sidoo kale dhowr sano. Waxa lagu qiyaasay, tusaale ahaan, in min 2009 ilaa bilood ee hore ee 2013. dhalidda ee ay kaleeyihiin Sberbank lacag ku saabsan 70%. Waxaa kale oo badan, oo ku saabsan 31% ka sarreeya heerka sicir-wadareed muddo ah. Dhinaca kale, sida ay ratings warshadaha qaar ka mid ah, dhalidda ee celceliska sannadlaha ah ee ay kaleeyihiin Savings Bank - 7,86%.

rajada

Maxay khubarada waxaa loo arkaa saadaasha Fund dhalidda? Waa maxay fursadaha in portals waaxaha ku adkaan doonnaa wanaagsan hagaajiyaa dib u eegista NPF Savings Bank macaamiisha? 2014 - adag tahay Russia marka la eego dhaqaalaha iyo siyaasadda. Sidee doonaa cunaqabatayn, dhaca ku yimid qiimaha shidaalka iyo Ruble ku saabsan faa'iidada ah ee lacagta hawlgabka ee gaarka loo leeyahay?

Khubarada waxay aaminsan yihiin in isir muhim halkan - falalka dowladda Ruush. Inta badan, falanqeeyayaasha ayaa sidaa leh, maamulka yeelan doonaan in ay si fiican u shaqeeyaan on casriyeynta ee istiraatiijiyadda guud ee horumarinta dhaqaalaha ee dalka. Haddii dawladdu waa in ay u adkeysan caqabadaha loo Yeedhiyaa by deegaanka dibadda awood, ka dibna waxaa jira fursad kasta oo muwaadiniinta nakopoleniya in NPF kori doono ku filan si degdeg ah.

rating dhinacyada iyo waxqabadka dhaqaalaha

Haddaba, ku saabsan ratings iyo waxqabadka dhaqaalaha. Waa in asal ahaan aan bixiyo iyaga fiiro? Ilaa heerkee xiriir la leeyahay macmiilka iyaga eegaya? NPF Savings Bank of Federation Ruush ah, sida la og yahay, waxa lagu qiyaasaa heerka ugu sareeya ee heerka of hay'adda "Expert RA". Sida laga soo xigtay saadaasha cusub ee ururka, fund uu noqon doono isku halaynta deggan. Waxaa jira qiimeynta bilaha kale, taas oo, gaar ahaan, qaado account arrimo ay ka mid yihiin tirada macaamiisha, faa'iidada, iyo ku lug tiro ka mid ah qalab gorfaynta dhaqaalaha - sida, tusaale ahaan, "Sharpe Saamiga". Sida laga soo xigtay isaga si fund ayaa sidoo kale qaadataa meel sare.

Waxaa jira cadaymo muujinaya in NPF Savings Bank tusay dhaqdhaqaaqa koritaanka ugu sareeya ka mid ah shirkadaha in qeybta qeybtii hore ee 2013. Savings ku saabsan mugga fund u yimid dhamaadka 2013th ee ahaa saddexda ugu sareeya. Waxaa la og yahay in shirkaddu waxa ay joogtaa 10 shirkadood top of ay profile on shuruudaha sida tirada macaamiisha in lagu qurxiyey heshiiska caymiska hawlgabka khasab ah, iyo sidoo kale NGO-yada.

Qiimaha celcelis ahaan kaalin macmiilka si NPF Savings Bank ah - oo ku saabsan 56 kun rubles .. tiradaasi - mid ka mid ah meelaha ugu sarreeya ka mid ah lacagta keentay. Gaar ahaan, waxa ay ku saabsan 1.3 jeer ka weyn yahay celcelis ahaan suuqa. Ka dib markii natiijada 2013 NPF Savings Bank qabtay share suuqa of US6.65% ah. mugga of kaydka - in ka badan 72 bilyan oo rubles.