Amaah waxbarasho qaali ah

Under waxbarashada sare wanaagsan maanta, dad badan oo Russia fahmi shahaadada jaamacadda qiimaha. Laakiin sida loo helo, ama halkii, si ay u bixiso, iyada oo la tixgelinayo yareynta sanadle ah ee tirada meelaha miisaaniyadda hay'adaha - su'aasha waa arrin adag. Haddii waalidka aan awoodin in ay ka kooban yihiin ardayga: in lagu bixiyo oo uu waxbarashada, hoyga, madadaalada, waxaad isku dayi kartaa lacagta deymin. Tusaale ahaan, bangi.

amaah Educational - mid ka mid ah siyaabaha si loogu bixiyo qaali nidaamka waxbarashada, la sameeyay iyada oo ay hoggaaminayaan ee Professor aqoon sare leh iyo Professor associate. Si kastaba ha ahaatee, adeeg tani ma aha mid aad loo jecel in bangiyada naftooda, maxaa yeelay, ka duwan deynta macaamiisha dhaqanka, maaliyadda waa in ay wax dhejisa - aqoonta. Oo iyana waxay ku heshiin, ma qaboojiyaha iyo dhaqashada mashiinka, taas oo ka dibna waa la iibin karaa oo gacan ka maalgelinta.

Ogaaday diidan ee baangiga deymin lacag si ay u bartaan, ka dib 1996, ka fiirsaneysa "On waxbarashada" sharciga, marka hore ka hadlay fikrad this, sida amaah waxbarasho la kaalmada dawladda. Toban sanno ka dib, mashruuca u dhiganta fikrad this, shaqaalaha diyaariyey dhismayaasha waaweyn ee dhowr - Wasaaradda Waxbarashada iyo Sayniska, Dugsiga Sare ee Dhaqaalaha, Association of Banks Ruush, Midowga qaranka ee warshadlaydu iyo Ganacsatada. Markaasuu weyddiiyey in la siiyo ugu badnaan 25 kun oo doolar oo aan rahmad, amaahdaana a abaalmarin yaabaa 3-10 sano ka dib markii qalin jebinta gudahood. Laakiinse isagu uma uu soo laaban doono - xaaladaha qaarkood. Heerka amaah gaar ah aan loo yeedhin, oo kaliya ku xusan in boqolkiiba ugu yaraan la mid ah bangiyada heli dooran doono.

Marka ay timaado in ay ku dhaqmaan, amaah waxbarashada iyo joognay inta badan doonaya in ay helaan waxbarasho tayo sare awoodin. Banks, xataa on male ah in uu gobolka ku hawlanaa ay doorashada si taxaddar leh, ku heshiiyaan in ay lacag siiyaan oo keliya in ay dadka waaweyn ee Russia. Oo haddii 18 sano oo aan ku soo dhammaysteen, waxaa lagama maarmaan ah in la sameeyo oo dhan waraaqaha la a co-amaahdaana. Haddii 25 kun oo doolar - la'aan ah tababar lacagta, weyn ee amaahda oo la soo saaray oo kaliya qayb ka mid ah Board of Trustees.

Details waa in deggan arrinta dulsaarka. In amaah waxbarasho Savings Bank ku kici doonto macaamiisha ah ee dheeraad ah 12% sannadkii. Rosinterbank ballan qaaday in maal-tababar 11-20% sannadkii, Bankiga Beeraha - 16%, iyo Bank bari - 19%. By habka, lacagta waxbarashada bixisaa wax ka yar toban bangiyada gudaha iyo shirkad ka mid ah oo kaliya.

Dabcan, waayo qoysas badan Ruush credit waxbarasho ee foomkan - ma ugu jecel yahay. Sidaa darteed, waxaanu ka fiirsan xaaladda halkaas loo shaqeeyaha waa damiin u shaqeyn doonaa ka hor inta Hay'ad maaliyadeed. Heshiis shaqo waqti ka hor lagu soo gunaanadi karo, ilaa qofka shaqaalaha ah ma bixin. Oo haddii ay dhacdo waajibaadka joojinta bangiga maray takhasus ugu da'da yaraa. Waxaa sidoo kale soo jeediyay in "cafis" amaah ah haddii shaqadu ka qalin muddo qaar ka mid ah qaybinta. Kuwa baangiga jooga ay sheegeen in ay wax kama qaba in ay tagaan dhinaca gobolka. Laakiin marka la eego iyaga u gaar ah, ku tilmaamayaa in gargaarka canshuurta gaar ah oo sheegtay in xaaladda goobaha waxbarashada ee Aasaasayaasha ah, ama ugu yaraan xubno ka mid ah kormeerka iyo Guddiga Trustee.

Haddaba su'aashu waxay of sida loo helo amaah ah waxbarashada, weli aad u muhiim ah. Dhinaca mid, gobolka waa sida isku dayaya in ay caawiyaan dadka dhallinyarada ah si ay u noqdaan wax bartay in mustaqbalka si ay u helaan shaqo la qaderiyo, oo dhinaca kale ah - waxa ay diyaar u tahay inay qaar ka mid ah jagooyinka qaali ah, xaaladda, iyo sifooyinka kale ee awood ma aha.