Ibhange "Credit kaZwelonke": izinkinga. Ibhange "National Credit" ivaliwe?

Ibhange "National Credit", inkinga eye yayina kakhulu ngo-2014, zaba khona ngo-1993 igama lakhe kuqala "Shark" isivele kwi "credit kaZwelonke" esikhundleni ngo-2000. Emuva ngo-2008, inhlangano yezimali uqinisa inqubo ifomu wezomthetho ushintsho. Ugibe Limited olwesimanje inkampani isitokwe ngokuhlanganyela 2009. Ngo-December 2010, "Imithombo Yabantu" Bank, okuyinto ayekade Izibuyekezo emihle kuphela, usezuze 25% "Bank of Khakassia." Ngemva kwesikhashana, inani lamasheya senyuselwa 76%. Ngo-2011, Khakassia ilayisensi sezimali sahoxiswa ngokuqondene nokuhlanganiswa ngokugcwele. Ibhange "Credit kaZwelonke", izinkinga olwaqala ngenxa zezimali ongaphakeme, umndeni elawulwa Antonov.

esidlule esikhazimulayo

IBhange iye yasebenza ilayisensi Central Bank futhi kwaba umlingani eMoscow. I isikhungo sezezimali wayeyilungu le-Association of Russian Amabhange umhlanganyeli izakhiwo Idiphozithi Insurance. Ngokusemthethweni bhalisiwe imali yamasheya inkampani ruble 1.8 billion. Inani nokulingana dolobha zazilingana $ 4.2 billion. Isikhungo kwadingeka elisezingeni ilungu abakanye izinhlelo zokukhokha ngamazwe Visa Inc. futhi Mastercard WW. Ngaphambili, njalo ejensi isilinganiso iye yaqinisekisa solvency lesikhungo kanye esabela ukuba isigaba A ngokuhambisana ngesilinganiso sesizwe sonke.

Eminyakeni emibili nje ngaphambi kokuba yaqala ukubonakala imibiko "credit Yabantu" ebhange ivaliwe, inhlangano waklonyeliswa "lwezezimali Olympus". Esikhathini lesifunda inethiwekhi isakhiwo lalinabashumayeli 9 amagatsha ayinhloko kanye namahhovisi ezinye 35 ezengeziwe. Ihlangano yokuNgeza Umlando kwakuyizikhathi lapho ayengazi nakwazi wawalwela ithenda wombuso. Tight Inqubomgomo ukutusa izikhathi ezingcono avunyelwe ukufinyelela zezimali ezinkulu.

Kwenzekeni nebhange eminyakeni yamuva

Kule minyaka engu we zezimali nesikhungo ukusebenza ngaphansi ukulaya Central Bank, okuyinto kungagcini ukubandakanywa ezifakwa ngabanye '. Lo myalo yatholwa ngoJulayi 2013. Futhi, ngaphezu ukulinganiselwa Central Bank of the Russian Federation sinconywa ukwenza kusebenze zonke izinqolobane ukuhlangabezana nezibopho zakhe ukuba izimali zabo emabhange. Okumele kuqashelwe iqiniso lokuthi inhlangano yezimali ngokwayo akukaze waphishekela Inqubomgomo nolaka ukuheha imali. Izinyathelo ezinjalo ziye zithathwe ngenxa le zezimali ongaphakeme lesikhungo.

Isignali ye ngowokuqala enkingeni

I ukungasebenzi lokuqala kwaba ngenxa yokuthi ukuthi "National Credit" Bank waqala ngokukhipha ezifakwa ngaphandle iziqondiso. Lapho zimali zaqala ukutheleka for imali yabo, batshelwa mayelana umkhawulo wayo wosuku Institute inani ruble ayizigidi 25. Abantu abakwazanga uthole izandla zakho phezu konke kunengxenye ngosuku olulodwa. Sibe ukuhamba amasonto. Noma kunjalo, uma kuqhathaniswa nezinye izikhungo zezimali, okuyinto ngokuphelele enqaba ukukwenza inkokhelo, ngobusuku bangaphambi ucabanga "credit Yabantu" Izibuyekezo yasebhange okuye njalo eBhayibhelini zinomqondo omuhle, luqoqwe cishe busuke sebukhule ngokuphelele nezibopho zayo. Naphezu esibucayi, izisebenzi call centre njalo wayiphendula yonke imibuzo bese unikeza imininingwane eningiliziwe iklayenti ngamunye. Ukuze avimbele eMpumalanga impahla, abasebenzi asebhange njalo azise amaklayenti ukuthi abanye izinkokhelo zigodliwe, futhi iningi akhawunti awasekelwe.

Imizamo alungise leso simo

Emzamweni wakhe ukulungisa isimo JSC "Bank" Credit kaZwelonke "uzama ukwandisa zezimali ngokufaka wehlise zenzalo ubhekene nenkinga yezimali. Uhlelo "Abantu" luye lwaba emangalisayo okungabizi. Phambi izibambiso noma yisiboniso senzalo emalini ebolekwe ngonyaka elilodwa kwaba% 16 kuphela. Lapho isikhathi imalimboleko kusuka onyakeni owodwa kuya eminyakeni emithathu, inani lenzalo kungaba ulingana 17% ngonyaka. Uma isikhathi loan kuphele iminyaka engaphezu kwemithathu, izinga ku saphathwa ngesilinganiso 18%. Ukubolekwa kwemali ayatholakala amakhasimende Awunawo eseduze noma yisiboniso. Nokho, kulesi simo, inani lenzalo rose 18%. Uma uphelelwa ngokubambisana kusukela 1 unyaka kuze kube iminyaka emithathu, inani lenzalo kungaba 19% ngonyaka. Uma iklayenti uye wanquma ukuthatha boleko esibhalisiwe isikhathi esiyiminyaka emihlanu, inzalo phezu loan kungaba 20%. Ukunikeza enza okuphambene wonke amahhovisi, kuhlanganise edolobheni efana Abakan. Ibhange "Credit kaZwelonke" akazange ugcine ngisho isinqumo yenza ngokuphelelwa yithemba: isimo zezimali ayikashintshi.

On okwakufanele basekele izinqumo mayelana ekucwileni ezikweletini ilayisensi?

Isinqumo ekucwileni ezikweletini ilayisensi senziwa ngesisekelo ngemibiko emisha abaphathi. Ulwazi wathi "Credit kaZwelonke" ebhange ihlangabezana nezinkinga akuyona encane maqondana ukwehla zezimali ku-50%, kanye osheshayo zezimali isilinganiso engu-15%. I isikhungo sezezimali akafakanga isicelo wombuso aid ngokuqondene yokuthi ngesikhathi izinkulumo isikhathi labetibambile zimali, uhlose ukwenza umnikelo in inani $ 100 million.

Kusukela sokuphela

Ngemva kokuthola imilayezo evela kumakhasimende NBU JSC "Bank" National Credit "ukwehluleka ukufeza izibopho zakhe, ekuphathweni zesikhashana wamiswa njengelungu isikhungo sezezimali. Kusukela ngo-October 1, 2014, abaphathi zesikhashana olwenziwa ukuhlaziya wezimali ka isimo. Lapho ukulahlekelwa Imininingwane sabhalwa kusengaphambili dolobha siqu. Kwanqunywa ukuthi akunakwenzeka ukubuyisela solvency isakhiwo, nanoma yiluphi ukumnika kusuka kuhulumeni ngeke yenze umqondo. Imiphumela nokuhlola isimo Yesikhashana Authority baba isisekelo esiqinile ekunqanyulweni womsebenzi we isikhungo sezezimali ngokuthi "National Credit" Bank. ilayisensi Revocable kuphela esimweni lapho isikhungo ingasakwazi ngisho ngosizo lwezimali ezivela kuhulumeni ukwenza unyaka wonke wonke ukufezakalisa iimbopho emabhange abakweletwayo ngalesi simo. Izimo ncamashi zihambisana nomthetho.

Imisebenzi Kwehla i enalokho kuthambekela

Ngokushesha ngemva zezimali brilliant "National Credit" Bank baqala ukuzwa izinkinga akuyona encane, naphezu conservatism womsebenzi, njengoba kubonakala kula nokugcinwa izindlu kanye Izinsiza zomphakathi amaphrojekthi. Loans abantu zaba 3% kuphela abantu iphothifoliyo loan, amafa evelele nge isabelo 70%. On izimali abantu zaba% 23 nje ubhale izinkinga ezihilelekile. izimali asalayo-akhawunti yebhizinisi zaba% 22 kuphela yenhloko-dolobha. Amasheya namanothi amabhange yasekhaya zaba% 19 kuphela amafa net. Interbank isikhungo ezimweni eziningi, wasebenza njengomfundisi abanikelayo. Nge ngezinga eliphezulu lokuhlushwa amafa izikweletu umsebenzi ibhizinisi kwadingeka yenzuzo ephansi.

Ukwehla

Ngokwezibalo National Isilinganiselwa Agency, "National Credit" Bank revokes amalayisense okuyinto ngenxa zezimali ongaphakeme ngo-2010 kwaba inzuzo net ruble ayizigidi ezingu 20,9. Ngonyaka odlule le babengamaphesenti kakhulu emikhulu futhi zaba ruble ayizigidi ezingu 107,2. Lesi simo ehlisela yasebhange 149 isikhundla kule simo, futhi yabakhanga le Idiphozithi Insurance Agency. Ukuncipha ebonwe wonke amahhovisi amagatsha amancane, yayiphumula nomuzi Abakan. Ibhange "National Credit" banikeza phansi, nakuba lutho olubonakalayo zimpawu enkingeni.

ekupheleni ngokuyikho izindaba

Ibhange "Credit kaZwelonke" ivaliwe ngaphandle isizathu. Ngaphezu ukuntuleka zezimali, ekuphathweni zesikhashana usefunde ukuthi intengo izimpahla a zezimali nesikhungo sika akuzona ruble ezingaphezu kuka-14,121 million. Ngokuphathelene nezibopho emabhange abakweletwayo, kwakha ruble mayelana 16 854.8 wezigidi. Isizathu salokhu iphutha kufihliwe ukukhipha kwangaphambilini imalimboleko engenzi, ezingafinyelela ruble 10.2 billion. Ngaphezu kwalokho, ngenxa yokuthi sabhalwa ukuthenga illiquid promissory amanothi inani ruble 1.8 billion kusukela izinkampani kabani amakheli ahlelwe imibhalo akuhambisani ngokoqobo. Sekube nezigameko eziningi sengqondo impahla we isikhungo sezezimali in inani ruble 0.2 bhiliyoni. Kusukela Umlawuli uthole ulwazi lokuthi ukuphathwa olwenziwa imisebenzi yabo yobugebengu. Umphumela wale manipulations ingaphezu sobala, futhi izenzakalo ezinhle akufanele alindele. Naphezu kweqiniso lokuthi iningi zimali emuva imali yabo ngokwengxenye, luhlala abaningana impela kulabo kabani ukulahlekelwa ngabe nxephezela ejensi umshwalense ikumodi enqunyiwe isiqondiso.