Isiqondiso State womsebenzi yomshuwalense ku Russian Federation

Ngo inqubo kumiswa tikhungo tetenhlalo eRussia a lot of ukunakwa sakhokhwa ngokulawulwa kweminye imisebenzi umshwalense. Lokhu kungenxa ezingeni lelisetulu ukubaluleka komphakathi yalolu hlobo lomsebenzi. Lo mcimbi kwesamba kungenzeka ukulimaza lonke emnothweni kazwelonke. isiqondiso State womsebenzi umshwalense kwenzeka ngendlela yokuripota, yokuqinisekisa kolwazi ukuhambisana imiphumela langempela futhi Wokulawula.

ukwengamela

isiqondiso State nokugada imisebenzi umshwalense zihlukaniswe wokulungiselela, zamanje nezesikhathi esilandelayo. Esimweni sokuqala sikhuluma ukuqinisekisa ukuhambisana nezidingo izinkampani okuyiwona ilayisensi siyavunywa, ukubhalisa izinkampani zomshuwalense. ngokugadwa okuqhubekayo ukuqinisekisa ukuhambisana nomthetho we abahlanganyeli emakethe: .. ukuhlaziywa Ukubika, ukubuyekezwa kwamalayisensi, baxoshwe irejista wabathengi, njll Imininingwane eminingi itholakala ezodingidwa kamuva.

State isiqondiso zomthetho imisebenzi umshwalense eyenziwa zoMthetho Federal "Ngo Inhlangano Womshuwalense Lebhizinisi" futhi-Ministry of Finance. Lusebenza professional emakethe abahlanganyeli, abaxhumanisi yabo futhi vygodopriorbretateley.

Izinhloso, imisebenzi, imisebenzi,

Izinjongo isiqondiso isimo umsebenzi umshwalense:

• ukuze siqinisekise ukusebenza nzile emakethe;
• Ukugcina nemithetho kanye neziqondiso;
• aqiniseke ukuthi ziyagcwaliseka ezibophweni amaqembu kule kuthengiselana;
• ukuvikelwa emakethe yasekhaya kusuka ezinkampanini zamazwe angaphandle;
• ukudluliselwa izintela nezimali isimo.

Iziqondiso wesi isimo umsebenzi umshwalense:

• ukwamukelwa of imithetho neziqondiso, ukuqapha nokulandela iziphathimandla zomphakathi;
• ukulawulwa solvency of izinkampani zomshuwalense zokubekwa ukuzibophezela;
• ukulawula ukukhokhwa kwezintela kwalabo emakethe;
• sanctioning abahlanganyeli emakethe.

Abaphathi enze le misebenzi elandelayo:

• ukukhipha ilayisensi yokuqhuba;
• okwenza okufakwe State Register izinkampani zomshuwalense kanye brokers;
• ukuzivocavoca ukulawula kumiswa yamanani;
• izinqolobane bebeka imithetho ukubekwa, ukusebenza ezimali;
• ukuthuthukisa iziqondiso nesiqondiso imibhalo;
• ukuthuthukisa kanye nokunikeza ukusikisela sokuthuthukiswa ngohlaka lomthetho.

Amalungelo emizimbeni lokugada isimo

• Thola kusuka izinkampani zomshuwalense, yokubika imisebenzi amakhasimende abo futhi amabhange - isimo sezimali.
• Feza amasheke phezu nesikhathi ulwazi enikeziwe futhi isimo sezimali yangempela.
• Uma ukwephulwa izimfuneko izinkampani zomthetho ukuze anike ama-oda ukuze kuqedwe izinkinga. Uma kungukuthi wahlangana, ilayisensi ukumisa isenzo ukuqeda ukuphulwa.
• Afake isicelo enkantolo ukuze ekucwileni ezikweletini ngomshuwalense kanye nezinkampani ezisebenza ngaphandle kwemvume.

isilawuli kwezezimali

Esikhathini umkhuba emhlabeni kule ndawo kuncike ukubalwa kwezimali njalo izinkampani zomshuwalense. ERussia, le nkinga kuba ezisacubungulwa.

isiqondiso State of izinkampani zomshuwalense ku solvency yabo nokuzinza zezimali itholakala ukubala izimali izinhlelo zokuphepha kwamanye amasevisi, ukwakheka izinqolobane, nokuhlola imiklamo utshalomali. Izinkampani zomshuwalense ngonyaka ukuhlola ukuzibophezela. Imiphumela yayo bukaJehova kubonakala isiphetho elehlukile, futhi idluliselwe ejensi wombuso.

Ukuswelakala kokusebenza ngokuhlanganyela i ohlelweni oluthile olumisiwe audit kunomthelela omubi yonke umkhakha. Amasu ukuze kwakhiwe izinqolobane ngokushesha zibuye ziphelelwe isikhathi, kodwa kuyaqabukela sibuyekezwe. ukuqaliswa izinyathelo kwamabhuku ezakhiwa kuphela ezingeni umthetho, kodwa imigomo, izinjongo, izinhlelo kanye nezindlela zokusebenza practice akachaziwe.

umshwalense Union

Ezimakethe Russian kukhona state nawesifunda izinhlangano of izinkampani zomshuwalense. Basuke ezakhiwe umsebenzi: .. Medical, umshuwalense auto, njll Izivumelwano ezinjalo ziwumthombo emakethe ukuzithiba. Inkinga yabo eyinhloko ixhunywe ne ukulungiswa iziphakamiso izenzo zomthetho, ukwakheka izimali Ukuvikelwa, ukuthuthukiswa izinqubomgomo kanye nezinhlelo, imisebenzi ukweseka methodological, ukuqeqeshwa nokunye. D.

ukuthuthukiswa Ukungalwazi kahle Russian Federation wathola iConsumer Protection Union. umsebenzi wayo lomkhulu ukuhlonza izinkampani abonakele, yokuvikela, ukuthuthukiswa imithetho, izinhlelo umshwalense, njalo njalo. D.

Umsebenzi bobulili nhlangothi zombili kufanele kwenziwe ngokubambisana. Ukucutshungulwa izithakazelo izinkampani zomshuwalense kanye namakhasimende abo kuyimfuneko yokuqala ebalulekile sokuthuthukiswa emakethe.

Umhlaba umkhuba

Umshwalense izivumelwano - kukhona imibhalo eziyinkimbinkimbi kusuka iphuzu lomthetho umbono. Umuntu ngaphandle imfundo ekhethekile okunzima ukuyiqonda yonke imigomo. Emazweni aseNtshonalanga, uhulumeni ngokulawulwa kweminye imisebenzi umshwalense ku ukuthengiselana nabantu obuqinile kakhulu ukwedlula ngaphansi Izivumelwano nezinhlangano ezingokomthetho. Lesi sakamuva singabangela ukuheha abameli abaqeqeshiwe ukunquma ukuhambisana ngokwemigomo dokhumenti.

Ezindaweni we Russian Federation uhulumeni ngokulawulwa kweminye imisebenzi umshwalense eyenziwa by abengamele wendawo. Ngokuvumelana amakhono abo kuyabasiza ehhovisi lentela, emaphakathi ehhovisi yasebhange futhi antimonopoly. Ngo kakhulu eYurophu isebenzisa uhlelo esinobunye sokuba kube nokuqondisa. ECanada, ezinye izici kulawulwa iziphathimandla federal, namandla main zadluliselwa iziphathimandla zendawo esifundazweni. isimo isiqondiso Global womsebenzi umshwalense e-US engekho. isimo ngasinye has imithetho yayo siqu.

uhlelo

isiqondiso State womsebenzi umshwalense ngokusebenzisa uhlelo yomphakathi wukuthi izinkampani babe imibiko yokusebenza eshicilelwe the izinhlelo zomphakathi bese exhasa abengamele. Izikhungo abathengi bangase bafinyelele umqondo ukwaziswa ngenhlangano futhi unqume ukuthi asayine isivumelwano.

Lolu hlelo ovulekile. Umuntu ngaphandle imfundo ekhethekile ngeke bakwazi ukuqonda ezitatimendeni zezimali. Izithakazelo abantu abaye usayine isivumelwano phambi umshwalense unenkinga, hhayi oVikelwe. Isiphathi isimo phezu ekukhishweni ukuthengiselana kungukuthi kwenziwe.

uhlelo lokuhlola ukuthi uhulumeni futhi ubeka izimfuneko okufanayo zonke izinhlangano emisebenzini umshwalense. Zingase elihlobene ne ukulondeka ngokwezimali (i nesikhathi izibopho inani capital), izinhlobo impahla izinkampani zomshuwalense, isikhathi nokubika nokunye. D. Uma ezizenzakalelayo nalezi zimfuneko eziphoqelelwe unswinyo olubhekiswe inkampani. Lesi sifunda has eside futhi ngempumelelo usebenza e-UK, futhi muva nje uvele e-EU.

Izici wesi isimo umshwalense lokugada zezimali okwenziwa kwisistimu wukuthi izinkampani zomshuwalense ukushicilela imibiko ngemisebenti yayo, futhi iziphathimandla elengamele Ukuqapha ukuqaliswa kokusebenza imigomo izivumelwano, ukubheja osayizi, kumiswa izinqolobane. Okwazekayo, isikimu ezifana imisebenzi ihlonishwe izithakazelo wonke amaqembu ukuba kuthengiselana, futhi akukho intengo ulahla. Ngale ndlela, imigomo isimo umsebenzi yomshuwalense ku Russian Federation.

Material ebanzi uhlelo zokulawula ngenani izindawo simboziwe. isimiso sayo esiyinhloko siwukuthi ubaba zonke izenzo amaKristu okufanele wavumelana izidumbu kahle kwemandla embuso. Ngakolunye uhlangothi, isimiso esinjalo kanzima kukhawulela imisebenzi izinkampani zomshuwalense. Izinkampani ukuthi ukuthuthukisa umkhiqizo omusha, kufanele kuvunywe njengabaqondisi abengamele. Ukulahlekelwa kwesikhathi kubonakala inzuzo elahlekile. Ngakolunye uhlangothi, izintshisekelo labathengi amasevisi evikelwe.

umshwalense Register

ERussia, ilayisensi imisebenzi yomshuwalense Ministry of Finance nezindaba. Ukuze uthole it, udinga ukwakha ukukhokha inhlokodolobha ogunyaziwe kuye ngohlobo lomsebenzi:

• okungenani eziyinkulungwane 25 izikhathi amaholo - wonke amasevisi, ngaphandle umshuwalense wokuphila .;
• . Okungenani izinkulungwane 35 izikhathi amaholo - zonke izinhlobo umshwalense;
• ezingaphezu kuka-49 eziyinkulungwane izikhathi amaholo -. umshuwalense wokuphila kuphela.

Ngaphakathi kwerherho izindlela kufanele kufakwe imali. Ngaphezu kwalezi amagugu wathola iminikelo ngesimo impahla, amalungelo okusebenzisa, empahla nokunye. N.

Ngaphezu kwalokho, kudingeka uhlinzeke Ministry of Finance madokumende alandelayo:

• isicelo;
• imibhalo abamelwe (articles of association, amaminithi omhlangano, isitatimende ezincwadini nesimo).
• inkokhelo ukuze ukudluliswa kweemali enhloko-dolobha ogunyaziwe;
• substantiation ukonga imisebenzi;
• iziqondiso umshwalense, isampula izinhlobo izinkontileka;
• tariff ukubala nge enemininingwane emagama amasu uqashiwe
• ulwazi mayelana umqondisi kanye nephini lakhe.

Njengoba ucwaningo lokubheka ukuthi kungenzeka avumelekile:

• yonyaka uhlelo lwebhizinisi;
• Reinsurance uhlelo lomcimbi ukuthi okubhekene esiphezulu ingcuphe ingaphezu kuka-10% imali siqu;
• algorithm kumiswa imithombo izinhlelo ukubekwa endaweni ethile;
• balance sheet, isitatimende engenayo.

Isinqumo lokunikeza umqondisi uthola sokuthola ilayisensi kungakapheli izinsuku ezingu-60 ngemuva kokuthola amaphepha. Wokwalelwa angase undocumented nezimfuneko zomthetho. Le nhlangano state yazisa inhlangano ngokubhala.

esigabeni

isiqondiso State womsebenzi yomshuwalense ku Russian Federation wenziwa ngezigaba ezintathu: wokulungiselela, zamanje nezesikhathi esilandelayo. Ake sicabangele ngasinye salezi kabanzi.

amasheke kwangaphambilini

Okokuqala, kukhona Ukukhetha phakathi izinkampani abafuna ukuthola ilayisensi. Akuwona wonke inhlangano angafeza izinto umshwalense.

Ukwamukelwa emakethe wenziwa ngezindlela ezimbili. Esimweni sokuqala, inkampani ebhaliswe irejista izinkampani zomshuwalense, ngemva kwalokho-ke usungaqala isebenze. wekuhlanganisa okunjalo ukubekezelelana esivela uhlelo lomphakathi.

Uma usebenzisa indlela yokunivumela, iziphathimandla asimeme ayakuphuma ilayisensi yokuqhuba. Udinga ukunikela ubufakazi nekhono nezidingo zezimali. Lokhu sikimu alisebenzi emazweni amaningi emhlabeni.

ukuhlolwa lwamanje

zombuso kwamandla emelela sihlaziye ezimali, ukuphathwa yokubika. Esimeni isidingo acele ulwazi olwengeziwe. Futhi ikhono lakhe kuhlanganisa nokucutshungulwa kwezicelo ngeziphakamiso, izikhalazo, ukuhlolwa esiqhuba. Lokho, ukulawulwa isimo imisebenzi umshwalense inkampani yomshuwalense wukuqinisekisa ngesikhathi esifanele ukuhlola umthamo zezimali wenkampani ngokwamukela ingozi, hlola imithetho kumiswa izinqolobane, afanayo ukutholakala kwezimali esungulwe amazinga.

isilawuli okwalandela

Kulesi sigaba, izinqumo zenziwa maqondana izinkampani zomshuwalense, imiphumela iyiphi imisebenzi kungahambisani nanoma yiziphi izidingo ezifanele (kuhlela lwati, ukuvalwa). isiqondiso State womsebenzi yomshuwalense ku Russian Federation kulesigaba ukunciphisa ukulahleka amakhasimende izinkampani abonakele. Abaphathi kungenzeka ukuthi abeke imikhawulo isiphelo sesimiso izinkontileka ezintsha, shintsha tariff amazinga, ukulungisa imisebenzi nezinye izici. Lokhu kwenziwa ngendlela iziqondiso, okungukuthi, ama-oda ebhaliwe ufungisa umshwalense ukuqeda ukwephulwa singakapheli isikhathi esibalulwe.

Kunemininingwane ephelele yezizathu ukuba ahlawuliswe imikhawulo yilezi:

• ukuqaliswa imisebenzi ezindaweni hhayi ebalulwe kwilayisensi;
• Ukuqaliswa kwalo mthetho kungavunyelwe imisebenzi;
• ukwephulwa komyalelo wokungabi ukunikezela;
• akunasidingo amazinga ukuncishiswa;
• ukwehluleka ukuhambisana omisiwe lemali isilinganiso ngokuqondene nezimpahla kanye nezikweletu;
• ukubika kanye namanye amaphepha emvume acelwe yephula imigomo noma umyalo;
• Imininingwane kungalingani enikeziwe idatha langempela;
• kwemigomo kwesaziso kokuchitshiyelwa komthetho-sisekelo, imithetho yesevisi, isakhiwo zenzalo;
• ukudlulisa ilayisensi komunye inhlangano;
• udaba ngenqubomgomo ngaphandle isicelo imithetho;
• izivumelwano izimo ezithuthukisiwe amaningi kunalawo ebekiwe imithetho.

Endabeni non-kadokotela igunya lokuphatha angakhawulela ilayisensi. Lokhu kungenziwa wezwakalisa njengoba kuvinjelwe izinkontileka ezintsha, kanye nokunwetshwa ubudala imisebenzi ethile noma endaweni wathi.