Bank "European", Kaliningrad. Ukubolekisa kanye imali. Kungani ilayisensi Ubuyise?

Ngezikhathi ezithile ibhange central ayisebenzisa ngayo ingashiswa kuhlelwe weemali ekhona. Ngesikhathi esifanayo seliphumile abadlali eziyigugu kakhulu futhi ethembisa. Engaqinile kanye ezingenanzuzo kulolu hlu azikho lucky. Ngalesi sikhathi, ibhange "European" (Kaliningrad) waba ngaphansi hot isandla isilawuli. Siyini isizathu ukubukeza ilayisensi? Futhi iyini isiphetho ebhange?

isizinda ezimfushane "European"

Bank "European" waqala imisebenzi yayo Kaliningrad ngo-1991. Ekuqaleni wabizwa ngokuthi "Baltkonversbank". Ngemva emine lesikhungo zezimali kwathiwa kabusha futhi waziwa ngokuthi yasebhange "European".

igunya lakhe ukuze sikhonze izinhlangano ezingokomthetho, ngakho phakathi amakhasimende ebhange ayeyizinhloko zezindlu izinkampani ezinkulu Metallurgical, umshini wokwakha, izinto zokuhamba kanye nokwakhiwa, kanye amakhasimende ezinkampani lapho sibhekene wabantu abanethonya lomuzi kanye nesifunda.

Bank "European" (Kaliningrad): ATM, futhi abanikazi

Kufika iphuzu amakhasimende ebhange wayekhuluma 4,000 abanikazi izinkampani ehlukahlukene izinkampane ezinkulu. Kusukela kuvulwa yayo inhlangano yokuthuthukisa izinga yayo kanye isungule inethiwekhi layo legatsha, lapho yakhiwa neminyango eziyisithupha futhi mayelana 29 ATM.

izinhlangano Okokuqala eyasungulwa babe izinkampani ezilandelayo:

• "Xoxa Bank";
• "TsentroVEKS";
• STC "Yazisa";
• "Development Fund komuzi";
• VEF "Kaliningrad Itorg".

Kusukela ngo-December 2012 kuze kube ekuqaleni 2014 umninimasheya main lesikhungo credit kwaba yibandla "Iluzanion Consultancy Limited" ukwabelana, bhalisiwe e Cyprus. Futhi ingxenye amasheya yebhange okungewakho sempesheni non-state "Regionfond" futhi abantu abambalwa.

Kuze okwamanje kokuhoxiswa kokuhlelwa ilayisensi "European" wathatha 245 indawo simo amabhange ngu ukulingana amafa. net inzuzo wekhasi enhlanganweni kwaba ruble ayizigidi ezingu 124,6. Ngesikhathi esifanayo yisabelo nokulingana oluhambisana ruble ayizigidi ezingu 980, kanye nenani amafa - ruble 9.84 billion. Kuyinto sizinze kangako, njalo ethembisa kwaba ibhange "European" (Kaliningrad). Buyisa ilayisense yale isikhungo sezezimali kwaba ngo-December 2014. Siyini isizathu? Futhi ebhange ezaholela kwaba namiphi imiphumela?

Kungani Ubuyise ilayisensi ebhange?

Izizathu sokuchithwa yelayisensi "European" ebhange ambalwa. Omunye wabo izinkinga zezimali of "Investbank", okuyinto, Isimanga siwukuthi, ziye zathinta cishe zonke izinhlangano yesifunda.

Ngesikhathi esifanayo amahemuhemu mayelana lokuthi ezikhungweni eziningi zezimali e Kaliningrad futhi le ndawo futhi elinde i isiphetho unenviable. Ngenxa yalokho, ngaphansi amafasitela iningi zokuthenga ngesikweletu, kuhlanganise "European" ebhange (Kaliningrad), kwakukhona izixuku emabhange ukukhathazeka.

Ngenxa abameleli rush ibhange elikhulu kangaka baphoqeleka ukuba ubeke umkhawulo nsuku zonke $ 10 000, ukuze kuncishiswe ukuba mandla kwemizwelo futhi ukunciphisa outflow capital. Nokho, ngisho nalezi zinyathelo okungaphezu kokuvamile akhenge arhelebhe: ukuthutheleka zimali wenze ibhizinisi impahla ukuzinza "European" kutshengisa ukuguqulwa kwezinto ezinyakaziswayo.

Isizathu sesibili libhekisela umlamuli ngokwayo, ibhekisela kulesi izinqubomgomo ephezulu kwenhlangano, ukuziphatha neziyaluyalu, nokubeka iziqondiso yokubika kuhlelwe, kanye engekho yasebhange ukukhokhela izikweletu abakweletwayo ngalesi simo. Ngokolwazi wokulungiselela, ibhange "European" (Kaliningrad) Kwase kusele kancane ucabanga, njengoba abe imali esele (ruble 1.3 billion).

Iyini imiphumela kokuhoxiswa kokuhlelwa ilayisensi ebhange?

Ngemva sokwesulwa ilayisensi "European 'esimisweni sokuqondisa zesikhashana yasungulwa Regulator, ibhange banikelwa njengezingane endalini, futhi" Idiphozi Insurance Agency "wabuyela zimali we isikhungo sezezimali ruble yizigidi eziyizinkulungwane 3.7.

Ubani uthenge "European" ngentengo ukuhlabana?

Ngo-January nyakenye, ibhange "European" (Kaliningrad) itholwe yi Bank "Saint-Petersburg", ngaphakathi izikhungo amathathu ezinethonya kunazo futhi ngobukhulu zezimali eRussia. Ukuthenga poluobankrotivshegosya Bank izindleko umthengi ruble ayizigidi ezingu-625.

Kwenzekani "European" amakhasimende?

Ngo-January kulonyaka, umthengi uye kuxazululwe zonke izici ezingokomthetho, futhi ekugcineni waba umnikazi agcwele "European". Ikakhulukazi, emva ukuthengwa ibhange zanda kuleli kudambisa inethiwekhi igatsha ebhange "Petersburg". ngasekhanda lakhe kwakukhona usihlalo wangaphambilini we kanye luchuma, kodwa manje ayinamali sesikweletu Dmitri Danilov. Ngakwelinye ihlangothi, wonke amakhasimende ayengaphansi "European" ngokushesha idluliselwe inkonzo ibhange "Petersburg".

Ngaphezu kwalokho, isiza ibhange "European" (Kaliningrad) ayikashintshi igama layo kwesizinda futhi cishe hhayi ukubonakala washintsha. Wahlala okufanayo njengoba kwakunjalo. Kodwa kusayithi isivele kuyaqhubeka mayelana "Saint-Petersburg".

Yini credit olunikezwa ibhange "Petersburg"?

Njengamanje, Bank "Saint Petersburg" linikeza ukubolekisa kumakhasimende ezinkampani futhi ngabanye. Ngokwesibonelo, izakhamuzi ezivamile ongafaka isicelo bestselevoy "Iholo" (kuze ruble ayizigidi ezingu-1,5), "Classic" (750 000) noma "Lobulungu" loan (50 000-750 000). Izinga lenzalo yemali mboleko ku izinhlelo ezinjalo iqala ngo 17.5%.

Sisivulela zangaphambili "European" ebhange (Kaliningrad) ezibolekiwe kanye kumakhasimende ezinkampani. Ngokwesibonelo, abameleli amabhizinisi amancane, aphakathi nendawo kanye enkulu ungathola udumo ukutholakala nokuthuthukiswa kwebhizinisi. Isebenzisa ukubolekisa overdraft, inqobo nje uma utshalomali nokusebenza dolobha sokubolekwayo.

Ngaphezu kwalokho, inkonzo ngezifiso wenza osomabhizinisi, eyenziwa zokuhlala kanye imali amasevisi, inikeza ukuhweba ezezimali kanye yasebhange akude.

Yimiphi iminikelo kungenziwa ikhishwe ebhange "Petersburg"

Ngaphezu izinhlelo ezikhangayo loan, sinikeza wangaphambili Bank "European" (Kaliningrad) ezifakwa lwemali kazwelonke angaphandle. Ngokwesibonelo, uhlelo "Idiphozi Online" inikeza ukhokhelwa inzalo ekuvuthweni, lokuthenga ngesikweletu futhi inzalo ka 10.4% ngonyaka, kanye ukukhetha umuntu, noma elithi isilungisiwe. Omunye umnikelo "Zenzele Igama" kusikisela ngekwata isithakazelo yokukhokha ngesilinganiso 9.2%, kungenzeka dovnosit imali ku idiphozi.

"Usomacebo" inikeza ukukhokhwa inzalo ekuvuthweni, ikhono dovlozheniya izimali, kanye izinga kuya ku-10% ngonyaka.

"Umholo Nantathu" - wuhlelo eyenzelwe abanikazi kwabasebenzi amakhadi. Kuhilela ukubhekana ofeleba nyangazonke kwezinhloso zenzuzo, ikhono lokwenza iminikelo eyengeziwe, lenzalo ka 8.5%.

Futhi, kunezinye ezifakwa "Pension", "isu", "On Demand", "Run" futhi "rentier".

Njengamanje, Bank "Saint-Petersburg" inikeza ngamasevisi nebhizinisi, ngabanye ezizimele kanye kumakhasimende ezinkampani. Kungaba zisebenza kuwo wonke umuntu ohlala Kaliningrad nesifunda.