Credit Izinyunyana: izimo ngesikweletu, imibhalo

Credit Izinyunyana bebelokhu ethandwa ngisemncane kakhulu futhi akazange ukubambezela yonke ijubane futhi manje. Nokho, akuzona zonke umboleki usiqonda ngokugcwele ukuthi lokhu sokuthuthukisa ukuthi lihluke kanjani ibhange ezivamile. Kokubili umkhuba lokukhipha ukubolekisa, kodwa nokho zihluke.

Injongo inyunyana credit

Okokuqala udinga ukuqonda iqiniso lokuthi credit izinyunyana, credit izinhlangano noma amabhange wokubambisana akuzona izinhlangano kwezohwebo. Lesi sakhiwo engamenzi umsebenzi inzuzo elikhiphe credit. Credit Union siniketa kwesekelwa ngetimali kulabo abadinga usizo futhi amalungu omphakathi. Ukuze angene umfelandawonye onjalo kungaba ubani, inqobo nje imibono yakhe kwaqondana isimiso esinobunye nomphakathi. Ngokwesibonelo, amalungu inyunyana credit kungenzeka abasebenzi inkampani ethile, izakhamuzi endaweni noma abantu ababa abanothando olulodwa.

Umgomo we operation inyunyana credit

Credit Izinyunyana zithandwa ngo-90s. Kungakhathaliseki isimo umnotho, kulezi zinhlangano kuhluke ukuzinza. Inani imali liye landa kancane kancane, ngakho ababambi qhaza kungaba njalo ubale loan evumayo.
Okwamanje eRussia kunezinhlobo ezingaphezu kuka-2500 ngesikweletu nezinyunyana. Isizathu ukuze udumo okusezingeni eliphezulu sinjalo kalula ukuthola imali-mboleko encane ukuthi akudingi nokuhlinzekwa isethi enkulu imibhalo futhi amaphesenti ukubaluleka okuyinto ishibhile kuka ebhange zentengiso.

Izenzakalo inyunyana credit kuyinto elula kakhulu futhi ecacile kunoma yimuphi umuntu emgwaqweni, ngakho edonsela abantu. Yilelo nalelo lungu ovunyelwe ukwenza imali, ngokuvumela niyithole kumaphesenti athile. Uma kunesidingo esinjalo, umhlanganyeli ke angase acelwe ukuba kumnika imali izikweletu. Ngokuqinisekile, izicelo Iningi igcwaliswe yalokho omuhle, kodwa kukhona ukusungulwa kwesiGungu senzalo ethize. yakheke Inani lemali anikezwa obolekayo, kusukela emalini yilabo abatshala izimali, ukuze yokugcina ukuthola kumaphesenti athile. Kulapho lapho kukhona khona imfihlo bokuba khona lolu hlobo amayunithi.

Association of Credit Unions

Okwamanje abaningi credit amayunithi abe nesifiso sokuzenza lezi zinto inyunyana credit co-op. Lobo budlelwane sici usizo kanye nezinsizakalo ahlukeneko anqophe ekwenzeni ngcono ukusebenza imisebenzi wokubambisana futhi kusheshe sokuthuthuka. Associations of credit izikhungo kukhona 2 izinhlobo:

1. Regional Council --co-operatives, indawo lapho bagxila endaweni eyodwa.
2. Izinyunyana ezihlanganisa iNational Union - inyunyana izinhlangano credit elise kuphi eRussia.

Union credit ama cooperatives - iyithuluzi sokuthuthuka kwezimakethe zokubolekiswa kwezimali, ogama msebenzi ukuqinisekisa izimo ukhululekile kakhulu futhi ngezinga eliphezulu wesikweletu imfundo umkhiqizo. Ukuhlanganisa inhlangano luvula credit wokubambisana izisetshenziswa ezingeziwe yezimali kanye neminye, okuyinto enomthelela isixazululo yezinkinga eziningi ukuthi akakwazi ukubhekana angawodwa credit inyunyana. Miningi imisebenzi wehlukile kakhulu futhi incike izidingo wokubambisana.

Usizo olunikezwa inhlangano wesikweletu ama cooperatives

Credit Union Association of umkhuba ahlinzeke:

• amasevisi Technical, okuyinto ziqondwa njengoba: ukuqeqeshwa isisebenzi credit ama cooperatives, ukukhuthazwa wokubambisana emakethe, izinkinga ezihambelana nokwenziwa komsebenzi nokuphathwa kohlelo wokubambisana.
• Amasevisi emali - wokubonisana okuhloswe ngaso computerization kwabasebenzi ngokuya zezimali nezindleko nemali izinhlangothi le co-op credit, kanye nezindaba ekhuluma ezihlobene nokuphathwa lonke inani ezifakwa kule inyunyana credit.

Associations of credit izikhungo ezahlukene amalungelo nezibopho. Ngokwesibonelo, kungenzeka ukwaba ingxenye imisebenzi Union:

• ukusiza ukucabangela amandla noma ngabe yiliphi ilungu izindaba wokubambisana wombuso noma igunya ngamazwe;
• Ukuthuthukiswa kwemibhalo zokulawula;
• ukuthuthukiswa kwezinsizakalo ezintsha;
• ukulawula imisebenzi udumo wokubambisana sika.

Ngaphezu kwalokho, Union credit ama cooperatives kwenta ncono tinhlelo esifundeni nakuzwelonke kwezezimali yokusizana. I Association uthembisa ukuba baqhube umsebenzi ucwaningo, umsebenzi oyinhloko okuyinto ukuthola indlela entsha yokwenza ibhizinisi.

Inyunyana credit kuhlukile ebhange?

Umahluko omkhulu inyunyana credit ebhange:

1. Ngokungafani amabhange, credit izinyunyana ayiyifuni enze inzuzo kusukela Ukunikezela izimali credit.
2. Ngu kumiswa amasevisi ngesikweletu kungaba iphendukele masheya iklayenti base kuphela ebhange engenayo imingcele.
3. Imisebenzi ye-Union ayikwazi kubhekwa umphakathi. Inhlangano futhi uxhumana ikhasimende nomunye ngesisekelo ubulungu, ubudlelwane babo ungeyena iklayenti.
4. ilungu credit union kungaba isakhamuzi, umuntu. Ngaphezu kwalokho, kufanele nomphakathi owodwa hlanganani, kufanele ujwayelene nomunye. A indima ebalulekile udlalwa yi-simo yokugcina, okusho kwesisekelo.
5. Credit inyunyana asinakulokotha sizifake engozini iminikelo kwabanikazi bamasheya. Income ezitholwe inyunyana credit kufanele basakaza phakathi kwabanikazi bamasheya noma iqondiswe kumasevisi eshibhile, okungukuthi ukuba uguqulwe ube esebenzisa ukuhlangabezana kangcono izidingo zamalungu sobunye.
6. Noma iluphi ushintsho ebaleni inyunyana credit liyakushunyayelwa Okusizayo engamukelwa yizo zonke amalungu enyunyana, emabhange, ababoleka nabasebenzi abasebenza.

Mayelana "okusha Credit Union"

Bank "Credit Union" kuyinto okuhlangene isitokwe commercial yasebhange isikhungo, izimpahla zabo net kusengathiwa umkhatsi obujwayelekile kuqhathaniswa. Lesi sikhungo isidlulile kokubhaliswa ngokomthetho eMoscow. Kuchazwe isikhungo sezezimali ngokuyinhloko elise-dolobha yaseRussia.

Izindawo ezisemqoka umsebenzi kunazo ngenkuthalo asathuthuka lokhu nenkampani yakho yekhadi, zihlanganisa:

• ukuhlinzekwa imali ebolekiswayo ebhange kumakhasimende ezinkampani;
• ukuqaliswa akhawunti yasebhange izinhlangano ezingokomthetho;
• ukhulisa izimali ezivela ezakhamuzini Russian ngokusebenzisa izimali ezifakwa emabhange.

Uma sikhuluma ibhizinisi okudayisa, kungashiwo ukuthi ibhange "okusha Credit Union" kuyinto ezingeni eliphansi kwezentuthuko.

Abasunguli we "okusha Credit Union"

JSCB "okusha Credit Union" kuyinto yebhange elincane commercial wahlanganyela uboleka futhi esiza akhawunti yebhizinisi. Ukuthuthukiswa ibhizinisi okudayisa we yasebhange cishe engakathenjiswa umshado, imithombo yendalo kuhlanganisa iningi imali yayo.

Abasunguli we imfundo credit, owasungulwa ngo-1994, kukhona izinhlangano ezilandelayo:

• CJSC "Inntek";
• CJSC "Luck";
• MP "Intelekom".

Ilungelo ukuheha ezifakwa "okusha Credit Union" wathola ngo-2009.

Intela-credit union iminikelo

Kulinganiselwa ukuthi inyunyana credit evunywe Supervisory Ibhodi emele izithakazelo amalungu inyunyana credit esikhathini esiphakathi emihlanganweni jikelele. I ukulinganisela kuyadingeka ukuze bakwazi ukuhlela imali kanye nezindleko izinhlangothi. Umthombo oyinhloko wemali - kuba iminikelo kanye izindleko zihlanganisa okuqukethwe inyunyana credit kanye nokusentshenziswa kwe Izinjongo lomthetho, esekelwe umholo wabo olulindelekile.

Isigaba 19 yoMthetho ku Credit Unions uthi impahla inyunyana credit ihlanganisa: zokungena, edingekayo nokulingana iminikelo, nezinye iminikelo amalungu inyunyana credit (ngaphandle for imali ubekwe idiphozi akhawunti), iminikelo yesihle.

Ngo n. 4 tbsp. 157 Tax Code ithi emnyango imali lekhokhwako lephocelekile ongazikhetha futhi okubhekwe inyunyana credit akanayo ukuqoqa intela. Kulokhu, iminikelo etholakele omunye umuntu noma zomthetho inhlangano kuncike intela.

ukungena Imali ukubuya lapho ushiya wokubambisana credit is hhayi kwenziwe, kanye nokukhokhwa share nezinye izinkokhelo kumele kwenziwe ngokuhambisana nomthetho-sisekelo inyunyana credit sika.

On izimo sokudalwa

Credit wokubambisana kungadalwa kuphela uma kukhona abantu okungenani amahlanu elihlanganiswe Isifanekiso esivame. credit union ngalinye elisha kumelwe libe dolobha yaso, kwakhiwa kusuka yokubhalisa Imali iqhaza.

wamasheya ngamunye has nevoti elilodwa, okuyinto akunandlela yokugqashula noma ushintshe, ke akuxhomekile ubukhulu yokukhokha phansi, noma kusukela ngesikhathi ukungena inyunyana credit. Qala kumiswa ezifanayo noma yimuphi umuntu esayina inyunyana eduze, kanye nalowo Kunconywa ukuthi okungenani omunye wabahlanganyeli. Isikhathi ayikho imikhawulo.

Izinzuzo esemqoka credit union

izinhlangano ezinjalo ezikhanga kakhulu e ukuthi zonke izindlela siqu ekukhonzeni nabavoti yenhloko-dolobha Imininingwane, zigciniwe. Esimeni isidingo amalungu credit union bangathembela credit evumayo kudingeka ukubhekana nabantu, ezempilo, ezezindlu kanye nezinye izidingo. Esinye nesinye isakhamuzi ngubani ibenesandla inyunyana credit uthola iphesenti esibekiwe kulo mthetho-sisekelo.

Credit ama cooperatives ongaqhathaniswa ukusebenza ebhange commercial ngoba ukwabelana imisebenzi efana futhi amandla. Kodwa kukhona phakathi kwabo umehluko okukhulu, okungukuthi injongo umsebenzi kulezi zinhlangano. Eyokuqala inikeza ngamasevisi zezimali futhi akusho siphishekele yinzuzo yemali, kanye oqondile yesibili yonke imizamo yabo ekwenzeni inzuzo.

Yini izimali kumele akhokhe ilungu wokubambisana ngesikweletu?

Zonke Izinyunyana credit, umthengi angafuna kabusha ekungeneni ikhasimende ekwenzeni imali, okuyinto iya ukuze asule:

• Ubulungu Imali - isizumbulu semali anikelwe shareholder omusha ngamunye, futhi kusetshenziswe isikhathi nezindleko wokubambisana esikweletu ekuqinisekiseni imisebenzi yalo evamile.
• Imali entry. Le nkokhelo itholakala kuphela kwamanye ama cooperatives. Uma lesi sibopho lelipelwe ku isimiso, isamba semali ikhokhelwe ngu umninimasheya kuyinto ukukhipha imibhalo ukuguqula iphepha ekhona amasevisi ezomthetho, nokunye. D.
• Abelana umnikelo - inani lemali, kuphenduke impahla credit wokubambisana kanye edingekayo ukusekela imisebenzi kumiswa. Abelana umnikelo kungaba saziso noma yokuzithandela.