Zeinetaqy jinaqtarynyń bir bóligin maqsatty qajettilikterge paidalaný quqyǵyn:
- mindetti zeinetaqy jarnalary (MZJ) jáne mindetti kásiptik zeinetaqy jarnalary (MKZJ) esebinen qalyptastyrylǵan zeinetaqy jinaqtary bar jumys isteitin azamattar paidalana alady. Nysanaly paidalaný quqyǵy belgili bir jetkiliktilik sheginen asatyn jinaqtary bar azamattar úshin kózdeletin bolady. Jetkiliktilik shegi ár jas úshin jeke anyqtalady.
- qalyptasqan zeinetkerler (áleýetti qurylymdar qataryndaǵy zeinetkerlerdi qosa alǵanda) – BJZQ-daǵy zeinetaqy jinaqtarynyń qalǵan somasynyń 50%-ynan aspaityn shekte qoldana alady. Olardyń zeinetaqysynyń jiyntyq mólsheri (jasy nemese eńbek sińirgen jyldary boiynsha zeinetaqyny, bazalyq zeinetaqyny qosa alǵanda) joǵaltqan tabysyn halyqaralyq standarttarǵa sáikes keletin deńgeide (keminde 40%) almastyrýdy qamtamasyz etken jaǵdaida atalmysh quqyqty paidalanýǵa bolady.
- ómir boiǵy annýitettik tólemderdi qamtamasyz etetin saqtandyrý kompaniialarymen zeinetaqy annýiteti sharttaryn jasasqan tulǵalar joǵaryda atalǵan quqyqqa ie.
BJZQ derekterine sai 2020 jylǵy 1 jeltoqsandaǵy jaǵdai boiynsha 761 myńnan astam jumys isteitin salymshy jalpy kólemi 2,4 trln teńgeden astam qarajatty merziminen buryn paidalaný quqyǵyn qoldana alady. Jinaqtardyń jetkiliktilik somasynan asatyn ortasha somasy shamamen 3,2 mln teńgeni quraidy.
Zeinetaqy jinaqtarynyń bir bóligin paidalaný quqyǵyn iske asyrý úshin azamattar, eń aldymen, óz jinaqtaryn tekserip, jetkiliktilik sheginen asatyn qajetti somanyń bar ekenine kóz jetkizýi tiis.
BJZQ-da úzindi-kóshirmeni Qordyń saity nemese uialy qosymshasy arqyly alýdyń qoljetimdi jáne jedel tásilderi qamtamasyz etilgen. Úzindi kóshirmeni BJZQ keńselerine kelmei-aq, 24/7 rejiminde qashyqtyqtan alýǵa bolady.
Zeinetaqy jinaqtaryn alý týraly sheshim qabyldaǵan adamdar turǵyn úi satyp alý jáne emdelý máseleleri boiynsha ýákiletti operatorǵa júgine alady, ony Úkimet aiqyndaidy. Mundai operator retinde "Otbasy bank" qyzmet atqaratyn bolady" degen boljamdar jasalýda.
Salymshynyń qujattaryn teksergennen keiin ýákiletti operator BJZQ-ǵa salymshynyń ózi aiqyndaǵan jáne onyń ótiniminde kórsetilgen mólsherdegi zeinetaqy jinaqtaryn aýdarý týraly habarlama jiberedi.
Salymshy zeinetaqy jinaqtaryn maqsatty qajettilikterge alǵan kezde jeke tabys salyǵyn tóleý tásilin tańdaý quqyǵyna ie bolady (jarnalar aýdarylǵan kezde JTS alynbaǵanyn eskertemiz). Iaǵni azamattar JTS tóleýdi keiinge qaldyrýdy tańdasa bolady ne turǵyn úi jaǵdailaryn jaqsartý jáne (nemese) emdelýge aqy tóleýge arnalǵan jinaqtaryn alǵan kezinde JTS-ty tolyq kólemde ótei alady.
BJZQ zeinetaqy jinaqtaryn ýákiletti operatorǵa aýdarýdy onyń ótinimi boiynsha elektrondyq habarlama kelip túsken kúnnen bastap 5 (bes) jumys kúni ishinde júzege asyratyn bolady. Ýákiletti operator aýdarylǵan zeinetaqy jinaqtaryn azamattardyń arnaiy shottaryna esepteidi.
Maqsatty paidalaný úshin jinaqtardyń mólsherin azamattar alýǵa qoljetimdi soma sheginde derbes anyqtaidy.
Zeinetaqy jinaqtary arnaiy shottarda 45 jumys kúninen aspaityn ýaqyt ishinde jata alady. Osy merzim ishinde jinaqtar nysanaly maqsaty boiynsha paidalanylýǵa ne salymshynyń BJZQ-daǵy zeinetaqy shotyna qaitarylýǵa tiis
Sondai-aq, azamattar túrli investitsiialyq strategiialar usynatyn investitsiialyq portfeldi basqarýshylar (IPB) arasynda óz qalaýymen tańdaý jasaý arqyly jinaqtaryn basqarýǵa qatysa alady. Zeinetaqy jinaqtarynyń jetkiliktilik sheginen asatyn bóligin aýdarý úshin salymshy BJZQ-ǵa nysan boiynsha jáne talap etiletin qujattardy qosa tirkei otyryp, ótinish bere alady.
BJZQ-ǵa ótinishti jeke ózi nemese enpf.kz internet-resýrs arqyly elektrondyq tsifrlyq qoltańbany paidalana otyryp berýge bolady.
BJZQ qarjy naryǵynyń retteletin qatysýshysy retinde kompaniialarmen senimgerlik basqarý sharttaryn, kastodian-banktermen kastodiandyq sharttar, sondai-aq turǵyn úi jáne emdelý jónindegi ýákiletti operatormen kelisim jasaityn bolady. Osylaisha, zeinetaqy jinaqtarynyń biryńǵai esebi men baqylaýy odan ári júrgizile beredi.
