Bank "Delta Credit": ukubuyekezwa. "Delta Credit" (Bank) amagatsha, amakheli, ikhasimende impendulo

Phakathi kwabaholi emakethe Russian e ingxenye mortgage obolekisayo - ibhange "Delta Credit". Naphezu kobusha yayo isihlobo, lokhu inhlangano yezimali wakwazi impumelelo esijana mkhakha womsebenzi walo. Ngenxa yini izinzuzo ukuncintisana ibhange ukukwenza? Yiziphi izici izinhlelo mortgage anikezwa "Delta Credit"? Kuyini izindlela ngokuphawulekayo ukuxhumana ebhange kanye amakhasimende ayo?

Mayelana ibhange

"Delta Credit" Commercial Bank (DeltaCredit) ubhekwa omunye kuqala udumo Russian nezinye izikhungo zezimali onguchwepheshe emakethe mortgage. Nakuba nezinye izinhlangano eziningi zizama ukunikela amakhasimende inombolo enkulu kunazo zonke izinsiza, DeltaCredit sigxila ikakhulu emakethe loan izindlu. Hhayi okuningi eRussia ukuze ayisipesheli esikweletu zezimali izinhlangano, njengokuthi "Delta Credit Bank". Umthengi credit kulo ngeke kutholakale, kodwa ezahlukene ongakhetha bengatshelekwa khona.

Ulwazi lokuqala ukuqaliswa yasebhange mortgage izinhlelo alotshwa 1998, lapho ingxenye elihambisana wemakethe yaze yaqala ukuvela. Nokho, esebenzayo yasebhange DeltaCredit eRussia waqala kuphela ngo-2001. Njengoba kufakazelwa abanye abahlaziyi okuqondene ukubuyekezwa, "Delta Credit" - ebhange ngesilinganiso ezinhle credit. Lokhu isici kungaba ebalulekile ngokuya ukuxhumana, isibonelo, ne Central Bank nezinye izikhungo zezimali angaphandle.

Ekubumbaneni nokuhlela kabusha

Njengoba siphawulile ngenhla, ngo-2001, "Delta Credit," mortgage yasebhange, waqala umsebenzi ezweni lethu. Kwakuhlangene yokuthi ukumuncwa isakhiwo we dolobha bonkulunkulu bezinye izizwe ukusebenza ebhange isikhungo sezezimali - JP Morgan. iminyaka 4 kamuva DeltaCredit ukwabelana abangu ngokugcwele zitholwa iqembu wezimali "Societe Generale". Ngokusho abanye abahlaziyi, kuba nokuhlanganiswa ebhange nge umdlali elikhulu European wemakethe kakhulu predetermined DeltaCredit ukunwetshwa esebenzayo ku mortgage emakethe Russian. Ngesikhathi nokulahla isakhiwo abe esibalulekile izinsiza, "Societe Generale", isipiliyoni ukuphathwa nokuxhumana nabadlali ezinkulu zezimali eYurophu.

Kwaphela isikhathi eside sesikweletu yayisebenza njengenkantolo CJSC "Delta Credit". Nokho, Ibhange, kuyodingeka ukuletha igama layo ku umugqa nezinguquko ezithile kule nomthetho RF. Iqiniso lokuthi manje lezo zinhlobo ibhizinisi njengoba Inkampani futhi OJSC uchithwe. Manje, uma umuntu noma enye inhlangano, kuhlanganise amabhange, isebenza ngokukhipha ukwabelana, igama kungaba kuphela izwakala SA.

Ibhange kanye nemakethe

Imakethe mortgage eRussia ukhula kancane kancane kule minyaka embalwa edlule. Ngokwesibonelo, ngo-2013, izimali kule ingxenye landa ngamaphesenti angaphezu kuka-31% uma kuqhathaniswa izibalo ka 2012. Umthamo inani imali kweqe 1.35 trillion. ruble, inani loans -. amayunithi ezingaphezu kuka-800 eziyinkulungwane .. Ngaphezu kwalokho, kunezinye unqabile ivolumu imali esalele emuva - ngoba sasifana nokuthi 2.04% ekupheleni kuka-2013.

Abahlaziyi "Delta Credit" balindele ukuthi ekupheleni 2014 emakethe mortgage eRussia luyokhula ngo-15%, e-value imigomo, umthamo yayo ngeke idlule 1.5 trillion. deda. Ikakhulukazi asebenzayo kulindeleke ukuba sikhule ingxenye izakhiwo ezintsha - Dynamics ezihlobene njengoba ochwepheshe Bank ukholwa, kuyoba 35%. Lokhu ingxenye izohlala yezimbangela ayisihluthulelo emakethe mortgage eRussia. Hhayi kuphela ngenxa okukhulu, ezimweni eziningi, entsha ikhaya ukuthenga elikhangayo ngokuziqhathanisa yesibili. Iqiniso lokuthi abaseRussia ucabangela izimali izakhiwo ezintsha njengoba ngendlela ukulondoloza ukonga isici nakwentiwa. Rouble - lwemali akuhlukile esikhathini zakamuva ezimile. Nakuba imakethe ingcebo sisonke libhekene ukukhula eyaqinisa. Ukutshalwa kwezimali izakhiwo ezintsha - ithemba ehehayo kwizakhamuzi eziningi Russian Federation.

Ngesikhathi esifanayo, kwezinye izindawo, ukufuneka futhi nasemkhakheni "izindlu yesibili." Iqiniso lokuthi imindeni eminingi inomuzwa wokuyisa ku amakhaya amasha kusukela kwasekuqaleni. Abanalo isikhathi ukulinda isakhiwo sekugcineni emafulethini, futhi nakakhulu ngesikhathi esifanayo ukuze akhokhele. Ngaphezu kwalokho, abantu abaningi eRussia bathenga amafulethi akuzona kangaka ukuze bahlale kuzo, futhi ukuqasha okwalandela nokuguqulwa ibe ifa ketshezi. Ngenxa yale njongo, ukuthenga isakhiwo esisha akudingekile: kungenzeka ukutshala efulethini izinga endaweni ezinhle edolobheni, ngisho noma uvezwa yesibili izindlu ingxenye.

isakhiwo inethiwekhi

"Delta Credit" - yibhanga ngeemali, nesebenzela eRussia, kokubili ngaphakathi inethiwekhi yayo siqu amahhovisi kanye iziteshi ngebhayisikili umlingani. Manje lokhu inhlangano yezimali - phakathi abaholi ngokuya mortgage loans, futhi ngezindlela eziningi lokhu isimo, ochwepheshe bathi, ibhange kwakubangelwa izakhiwo uhlelo oluyimpumelelo nokuxhumana nezinye izinhlangano abasebenza ingxenye.

"Delta Credit" - igatsha lasebhange umelwe emadolobheni amakhulu Russia: Moscow (St Moss, 7.), Petersburg (saseNevsky Prospect, 114-116), Kazan (Ostrowski, 87). Ngakwelinye ihlangothi, isakhiwo ubambiswano zikhona izindawo eziningi.

Imisebenzi "Delta Credit" izibalo

I kwesamba ngesilinganiso ku mortgage loans ku "Delta Credit" kuncike esifundeni ebhange. Ngo Nizhny Novgorod, isibonelo, ngo-2013 kwaba 12.4% ngo RUR (okuyinto athe ngaphezu ngo-2012) futhi 9.6% ngo-currency angaphandle (okuyinto yena, ngaphansana ngonyaka odlule) . Ngenxa yokuthi ngo-2014 Central Bank anda yayo ukhiye senzalo, ochwepheshe alindele okwanda kulezi izimo loan abafanele ezihlinzekwa amabhange Russian. "Delta Credit" kungenzeka aziyeke mayelana lo mkhuba.

Usayizi isilinganiso mortgage loans ku "Delta Credit" - izinkomba ukuthi kukhona sixhomeke kakhulu khona ebhange BakaJehova ezikule ndawo. Uma nathi ukuthatha isibonelo, Nizhny Novgorod, lesi sibalo okuhambisanayo 2013 kwaba ngu-1 million. 357 ayizinkulungwane. Deda. Ngokwesilinganiso eRussia - kancane, ruble abangaba yizigidi ezingu-1,64 .. Yiqiniso, izinombolo kuzohluka ngempela uma focus lamadolobha amakhulu Russian, lapho kukhona yasebhange "Delta Credit" - I-Moscow. Kodwa yikuphi ukusebenza - enhlokodolobha noma Nizhny Novgorod - ngokwanele ukunikeza ukumelwa olotshiwe wesakhiwo okubakhona kwemakethe: ngandlela-thile ngenxa yemvelo yokuhlala izinga lokwehla kwamandla emali izibalo kuyokhula.

izinhlelo Loan

"Delta Credit" inikeza izakhamuzi Russian izinhlelo eziningana esiphawulekayo mortgage. Imibandela le isikhungo sezezimali inikeza ngaphansi kwazo ukukhipha ukubolekisa ekhaya, ngokuvamile ufana iziphakamiso nabanye abaholi emakethe. Uma ezinye izinhlelo loan abe ukubheja omkhulu, ngokuvamile kulinganiswe izidingo encishisiwe for ababoleka.

Phakathi izici eziphawulekayo kakhulu agcwele ibhange "Delta Credit" - abatshelekayo ke kakhulu yemali. imikhiqizo Loan yohlobo ezinikezwa yinhlangano, njengoba umthetho, zinezikhathi Ngenani eliphansi. Kodwa ngesikhathi esifanayo ne abalulekile ukwehla of the ruble ababoleka angangakwazi inkokhelo imali.

Njengoba idatha eziningi emithonjeni yomphakathi, lemali isiyonke izimali zakwamanye amazwe mortgage loans eRussia nesizotha kakhulu - mayelana 0.3% imali ingqikithi. Ngenxa nokuntengantenga izimakethe zezimali we Russian Federation abatshelekayo udumo lwemali kungenzeka ukuhlala ongaphakeme eminyakeni ezayo.

Kukhona "Delta Credit" izipesheli ezikhangayo ehambisana nezidingo zemikhaya abasha. Kukhona futhi ulwazi mayelana nezinhlelo ezinika isilinganiso ongaphakeme kakhulu emakethe Russian - abama-9.75%. Kukhona sipho ezithile zonyaka ibhange, kanye izinhlobo ezahlukene ukwabelana, ephelezelwa iziphakamiso abalutholayo loan ngaphansi amazinga eyehlisiwe.

Izinhlobo zezindlu, lapho ababoleka angakuthola "Delta Credit" ezihlukahlukene. Ukuthengwa ingcebo iyonke noma izitolimende. Ukuthenga ngesikweletu kungaba zokuhlala, amakamelo, izindlu.

Kwezinye izifunda, khona "Delta Credit" iyona imikhiqizo yasebhange, ingashintshwa ukuze useshe umboleki imali edingekayo ukuze inkokhelo phansi a mortgage. Kungenzeka ukusebenzisa, njengoba kwamanye amabhange amaningi, inhlokodolobha umzali njengoba umthombo ngezimali lapho uthenga ifulethi.

Ukuxoxa namakhasimende

Enye yezimfuneko zokusinda wemakethe, okumele luhambisane iyiphi yesimanje (kuhlanganise "Delta Credit"), ibhange - Izibuyekezo ikhasimende kufanele ngandlela-thile kuhambisane lobuya kakhulu-yasebhange zezimali nesikhungo. Endabeni ebhange ngaphambi kwethu, singakwazi ukulungisa imodeli ezithakazelisayo kakhulu ukuqaliswa ezikhungo ezithintekile lokhu nenqubomgomo. Ikakhulukazi, simiso, okuyinto ungakwazi ushiye kokubili izimpendulo inthanethi kanye okungaxhunyiwe. "Delta Credit" - ebhange enikeza amakhasimende ushiye umbono wakho ngendlela kwezivivinyo ku amafomu iphepha emahhovisi, kanye ngokusebenzisa nokuxhumana namakhasimende ngemigudu inthanethi. Yiziphi imininingwane isiqondiso umsebenzi wesibili?

Interface kumphakathi virtual (kuhlanganiswe ifomu lempendulo) linamathele iwijethi ekhasini lokuqala lale ngosi ebhange. Amakhasimende izinhlangano zezimali, ukuzisebenzisa kungakwenza ushiye amazwana abo. "Delta Credit" - ibhange izimisele, ngokuyinhloko ukuze nokuvuleka. Izinga yokuhlolisisa emphakathini incane. Lokho, uma inkinga yangempela, it is akuzange kubayekise yibhange. Ngokombono lobuchwepheshe umbono, budlelwane emkhatsini wetincenye "DeltaCredit" futhi amaklayenti lwenteke ngokwanele elula.

Ziyini izidingongqangi kulesi siqondiso, ebheka "Delta Credit 'lalo? Bank (libuyekeza izisebenzi obhekene nokuxhumana namakhasimende inthanethi ukuqinisekisa lokhu) ngokuyinhloko igxile indlela yokuphendula lo isixazululo ngenkinga ababoleka yayo wamanje noma okunokwenzeka ne Ukugcizelelwa kwasendaweni. ukuphathwa izincomo Okungukuthi ayigcini imisho ethile evamile: njengoba umthetho, wenziwa ukukhuthaza ikhasimende inkhulumomphendvulwano namanxusa ebhange edolobheni noma esifundeni esithile. Isibonelo, uma embuzweni othize ucela isakhamuzi Petersburg edolobheni elingumakhelwane, kungenzeka ukuthi impendulo niyophiwa esekelwe izici kwalesi sigodi, lapho esebenza "Delta Credit Bank" - Petersburg noma yimuphi lomuzi kweLeningrad esifundeni. Lesi sici nokuxhumana kohlelo ngesikweletu kanye isikhungo sezezimali amaklayenti umxhwele ochwepheshe abaningi futhi ababoleka, ushiya impendulo yakho futhi amazwana uphawu portal inthanethi noma imithombo thematic.

ukunakwa okuningi "Delta Credit" ekhokhelwe nokuqeqesha izisebenzi zabo abanekhono ukuxhumana namakhasimende. ochwepheshe Bank kuhloswe ukuba basebenzisane abathengi ngokuya kumiswa zomphakathi base ulwazi, uyakwazi amanye ababoleka. Ngalo mqondo, kungaba noma yikuphi okuhle - kuhlanganise negative - impendulo. "Delta Credit" - ebhange ezingaba, ukuxazulula izinkinga zangempela amakhasimende zamanje, ukudala isithombe esihle e amehlo ababoleka. Imininingwane Isesidlangalaleni impendulo portal Bank kudlala, ngokusho kongoti, indima ebalulekile ekuheheni ababoleka esisha. Uma, ukwenza isibonelo, inzalo umsebenzisi mortgage "Delta Credit" Izibuyekezo yasebhange futhi ucela abathengi samanje la masevisi zezimali ingosi uphawu bangaba main isici ekuthathweni kwezinqumo esivuna kucutshungulwa loan ngayo nasemiBhalweni esikweletu isakhiwo zezimali.

Umsebenzi "intanethi"

Kanjani ukuze usebenze namaklayenti kwimodi "inthanethi", ibhange iqhutshwe umkhuba? Eminye imithombo ibonisa, isibonelo, ukuthi namakhasimende nge-Internet iqasha kweshumi ochwepheshe ezimbalwa "Delta Credit". Umqulu eyinhloko umsebenzi kwenziwa Umnyango wezokumaketha asebhange, kanye kwemigwamanda enesibopho isimo yomsebenzi izicelo iklayenti. Izinga ngenkuthalo yokusingatha amasevisi ebhenki umthengi ngemigudu inthanethi, kanye izinga nendlela yekusombulula inkinga - zezici letsintsa ngco izinkomba abasebenzi yasebhange ezindaweni ezifanele umsebenzi.

"Delta Credit" - a impendulo ebhange ikhasimende lapho Ngithole ku-intanethi, abasebenzi afanele, imiNyango efanele. Isicelo ikakhulukazi uzimisele uya khona ibhizinisi. Kungenzeka, isibonelo, ukuthi iklayenti uzokwazi ukuphendula umbuzo isisebenzi ajwayelekile Umnyango wezokumaketha. Uma ukungabaza onguchwepheshe, ke athumele isicelo kumphathi wakho. Uma, esikhundleni salokho, kuzodinga iqhaza zeminye iminyango ibhange - umbuzo siqondiswe kubo. Uma impendulo abanekhono ayovulelwa, wenza kumazwana ukushicilelwa "Delta Credit" emphakathini online.

Yiqiniso, kukhona okwengeziwe "zifane" ngoba share emakethe, alinikela "Delta Credit Bank": "I-akhawunti yami" amaklayenti. It umboleki bengathola ulwazi lemininingwane mayelana nokuthi imikhiqizo polzuemyh, enze izicelo enkonzweni nokwesekwa kwamakhasimende ebhange, ukuze afeze ukuthenga okuthile kanye nokukhokha. Ngokusho kochwepheshe abaningi baye basikisela lolu hlobo ithuluzi enikeza "Delta Credit Bank", "Ihhovisi Private" amasevisi ikhasimende isikhungo sezezimali - ithuluzi ngokwanele elula futhi ewusizo.

Izibuyekezo Customer: izibalo

Iyini imiphumela esisebenzayo wokubambisana namakhasimende ebhange nge-Internet? Omunye kungaba zilandise izibalo, eyanyatheliswa ngo-imithombo eminingana. Kusukela Februwari kuya ku-August 2014, isibonelo, in a "virtual" ebhange umphakathi "Delta Credit" idale engaphezu kuka-700 ama-theme esiyingqayizivele okuqalwe amaklayenti. Kwakukhona abangaphezu kuka-1 ayizinkulungwane. Amazwana. Phakathi nenkathi efanayo umphakathi wavakashelwa phezu ayizinkulungwane 43. Abasebenzisi abahlukile. Inombolo yokubuka ingosi kudlulwe ayizinkulungwane 329. Ongakhetha Interface zihlanganisa umphakathi, okwandisa induduzo ekusetshenzisweni. Ikakhulu, lapho iklayenti uqala ukubhala ukubuyekeza noma ukwelashwa wenziwa autosubstitution ukwakhiwa ngokusekelwe olwazini olusuka injini yokusesha ngaphakathi zamanje ulwazi base. Ngenxa yalokhu, umuntu ubhala isicelo ebhange, eveza okushiwo inkinga elungile kakhulu awokuthi, futhi ezimweni eziningi ngomumo ngokuphelele ukuthola impendulo yombuzo wakho. Ngokwesibonelo, uma umuntu unesithakazelo okuthile lapho "Delta Credit Bank" ikheli eMoscow noma Petersburg, lesi sakhiwo zezimali, it has wonke amathuba ukuthola ulwazi olulungile database ekhona.

Izibalo eshicilelwe eziningi zibonisa ukuthi cishe u-70% amakhasimende ebhange ukuxazulula kobunzima ngaphandle kokubiza edeskini usizo. Lokho, uthole izimpendulo database zakhekile.

Esinye isici esithakazelisayo esithi "Delta Credit" virtual impendulo uhlelo - it has a ezahlukene ongakhetha ngokuxhumana phakathi amakhasimende ebhange sika (hhayi kuphela abasebenzi lesikhungo credit). Njengoba kuye kwaphawulwa imithombo eminingana, u-12% imibuzo posted by abathengi services yasebhange, "ivaliwe" ngenxa imibono zabanye amakhasimende.

ababoleka 'izindlela ukuhlolwa

Njengoba sishilo, ingxenye, okuyinto ngokukhethekile ibhange "Delta Credit" - a mortgage. Njengoba ifomethi womsebenzi kuhilela eside nokubambisana nekhasimende, solvency ukuhlolwa yayo nenqubo kumele kube olinganiselayo. Okungukuthi, ngakolunye uhlangothi, ibhange akufanele sivumele Ukukhishwa ayeyiboleke ababoleka nge imithombo ezingabazekayo imali futhi engase ukubhekana isiyalo zezimali eziqinile. Ngakolunye - nenqubo eqinile akufanele liyochukuluza ukwenqena ukusebenza abanesifiso iklayenti-yasebhange isikhungo sezezimali.

Bank "Delta Credit", ukusebenza ngaphansi kokuqondisa ngenkuthalo ekuthuthukiseni siqu credit amagoli uhlelo lwabo. Eminyakeni yamuva, ukugcizelela lapha kubekwa inqubo ezishintshayo. Isinqumo sokugcina loan namanje kuthatha abantu, kodwa Sihlome ngesikhali multifactorial uwela umbiko ukuthi ihlaziya solvency wekhasimende, ucele mortgage libekwe kahle imininingwane eyanele. Enye yalezi izixazululo, isibonelo, kuhilela umkhiqizo, egcwele umphumela ukuhlanganiswa mutual CRM-amamojuli kanye izinhlelo kohlaziyo olunikezwe yasebhange brand eyaziwa ezingeni Microsoft, kanye yolwazi abo "Delta Credit" nalabo anikelwe zinhlangano.

Automating inqubo izinqumo ngezicelo ungakwazi ukwandisa umkhiqizo jikelele yokuboleka le mali zikhulu ebhange, ukunciphisa izindleko ezihambisana, ngcono induduzo amaklayenti ngokwabo, abangenalo eside ukulinda imiphumela Ukucabangela imibuzo. Qaphela ukuthi umnotho ezinye izinhlelo credit amagoli Angasisiza nokuba nozakwethu "Delta Credit Bank". Izicelo amakhasimende abo kungabuye ihlaziye kohlaka algorithm ezenzakalelayo.

umsebenzi okuzenzakalelayo uhlelo

Njengomthetho, isakhiwo se-abafanele IT-imikhiqizo kuhilela ukuhlaziywa ngezindlela ezimbili - Imininingwane oqondile mayelana umboleki nolwazi engaqondile ngakho. Ngokwesibonelo, ngaphansi ukhetho lokuqala izifundo ngokusebenzisa umlando Ikhredithi isakhamuzi ekuphatheni okuzenzakalelayo uhlelo ehhovisi ezifanele noma yimuphi omunye semininingwane efanele. Lolu hlobo lwesicelo, ngokuvamile yenza CRM-system (njengengxenye olulodwa ukusebenza umkhiqizo). Imininingwane ongaqondile mayelana umboleki - umkhuba eqabukwayo underwriting elalihlala amabhange Russian. Phakathi imithombo ukuthi kungenzeka baneqhaza Kulokhu - izibalo amasevisi yokukhokha, ukutholakala inhlawulo oluvelele, ulwazi kusuka ukuxhumana nomphakathi, ulwazi geolocation nemvelo. Kuzo zonke izinkethi, "Delta Credit" Ungasebenzisa e zabo ezenzakalelayo ukuhlolwa uhlelo solvency ka ababoleka.