Kungani amabhange zivaliwe? Kungani "I-Messenger Bank" Kuvalwa legatsha?

Kungani amabhange zivaliwe ezweni lethu? Ngokuqinisekile le nkinga siphathelene lenqwaba izakhamuzi. Namuhla, amaRashiya igcinwe credit izikhungo mayelana ruble nanhlanu trillion. Akuthathanga isikhathi esiningi isikhathi lapho Central Bank waqala ngenkuthalo uhlanze izikhungo zezimali, okuyinto kuze kube yilolu suku. Njalo umqondisi okwesabisayo ophika amalayisense isikhungo sezezimali. Yiqiniso, ngokumelene okwenza abantu bakithi ukhathazekile: kungani amabhange zivaliwe? Ngandlela-thile, kodwa ngaphandle kwelayisensi inhlangano credit - kuba akubona Central Bank. Sasiyini isizathu ngemuva iqiniso ukuthi usuqalise isheke omkhulu nezikhundla zabo? Kungani amabhange kukhona iseduze neRussia? Cabangela le mibuzo kabanzi.

izizathu

Kufanele kuqashelwe nokuthi kunezizathu eziningana tsentrobankovskuyu yokuhlanza.

Phakathi kwabo inqubomgomo ngokungadingekile okuyingozi emkhakheni abonge, ukuhlinzeka izitatimende ezingamanga, enifeza ukuthengiselana osolisayo, iqhaza engenayo semthethweni izikimu, ophuma ubugebengu. Yingakho amabhange kukhona abengamele avaliwe.

Ngaphezu kwalokho, akufanele sikhohlwe ukuthi lokhu kunomthelela ukuhlanganiswa kwamabhange, lokuncintisana, kanye kokuqina komthetho maqondana nenhloko-dolobha.

umbono uchwepheshe

Iningi abahlaziyi zezimali ukwabelana umbono wokuthi inqubo "ukuhlanzwa" of amabhange namanje kude esigabeni sokugcina. Gwema ukuvezwa uma sokwesulwa ilayisensi credit izikhungo akunakwenzeka. Ngandlela-thile, kodwa lokonga imali nokudluliselwa ekhadini kwabasebenzi - lena kuphela ukuphepha isiguqo for labantu, esiza sisinde Inkinga komkhakha wamabhange.

Kunoma ikuphi, amaRashiya ukukhetha elinganiselwe, futhi bayohlala ngokushesha noma kamuva kufanele kabusha zihumusha ithemba amabhange. Ngokwezinga elikhulu lokhu kusebenza izinkampani commercial abenza kwemali nge-EFT ku. Nokho, abantu abavamile, unikezwa iqiniso lokuthi bakhathazekile mbuzo: "? Kungani eRussia, ukuvala amabhange" - Mancane amathuba okuthi ufuna ukugcina imali yabo ngaphansi komqamelo. Abakwazi wazi ukukhetha isakhiwo sezimali eduze kakhudlwana.

Eminyakeni emihlanu nje edlule igunya lokuphatha wayethembekile xaxa imisebenzi okhokhelwayo of credit izikhungo. Ngakho kungani amabhange zivaliwe sonke isikhathi manje?

kokuqina izinyathelo yanamuhla okuhloswe ngokuyinhloko out limethembe ezilahlekile izakhamuzi.

Yini indlela ukuhlola ilayisensi

Qiniseka ukuthi ibhange akususi ilayisensi esemthethweni web Ingosi ye-Central Bank.

Udinga nje ucacise igama ebhange kusesho wochungechunge - futhi ohlelweni bazokutshela nemininingwane ethakazelisayo. Kuphoqelekile ukucacisa umbuzo ukuthi ibhange lakho liyingxenye kohlelo umshwalense idiphozi. Uma impendulo ke, esimweni umcimbi kwesamba, uMbuso ivala wena kuze ruble ayizigidi ezingu 1.4.

Inombolo yamalayisense Ubuyise ikhula

Inqubo "ukuhlanzwa" kwamabhange langena esigabeni sokuqala ngesikhathi uma iposi yokuba inhloko Russian Central Bank wathatha Elvira Nabiullina. kuphela Imiphumela konyaka ngaphambi amalayisense yasuswa ezikhungweni zezimali 32. Isizathu salokhu kwakungamadodana ukwephulwa eziningi of the zokulawula nohlaka olubhekele. Imise yasebhange izikhungo ezifana "Investment Bank", "Rublevskiy" Bank AB "Pushkin", "Nkosi-Bank", "iphrojekthi Bank ngezimali."

ingozi zone

Ukuthi kwakungekho ikhwane ubuholi Central usezivalile izisebenzi zayo ukubika ulwazi izakhiwo yasebhange engozini. Naphezu kwakho konke lokhu, in the domain yomphakathi avele njalo "uhlu black" weemali. Nokho, izikhulu wazi yini sincike lolu lwazi, siphawula ukuthi umqondisi e kwamabhange akuhloselwe ukunikeza noma yimuphi izibikezelo kulesi sici.

Okufanele ukwenze uma ilayisensi yasebhange Ubuyise

Uma ngesizathu esisodwa noma kwesinye isikhungo credit elahlekile ilayisensi yayo, ikhasimende Siyaqiniseka isinxephezelo ngokugcwele noma kancane ngoba iminikelo yabo.

Njengoba sekushiwo, kuba isamba kuze ruble ayizigidi ezingu 1.4. Uma ibhange ivuliwe uhlu izikhungo ezihlinzeka idiphozi uhlelo umshwalense, abasebenzi FAA amasonto amabili ngemuva ukushicilelwa kolwazi lokuhoxisa uzokwazisa iklayenti yelayisensi, lapho ncamashi uyokwazi ukuthola imali yabo. Uma ngabe inani elifakiwe kakhulu mkhulu kunomkhawulo isethi, ingxenye eyodwa ingatholakala cishe ngokushesha, kanye nezinye - ngokuhamba ekunqanyulweni zomthetho imisebenzi yebhange. Ukuze kokubili "igazi" babo, ochwepheshe batusa ukugcina imali yabo ezikhungweni eziningana credit ngokushesha ngangokunokwenzeka pick up.

Isimo nge "Nesithunywa Bank"

ezinyangeni ezimbalwa ezedlule, abezindaba libike ukuthi stop ukusebenza uMnyango "I-Messenger". Lokhu futhi wayekhulunyelwa kwisayithi Inthanethi we isikhungo sezezimali. Usihlalo ebhodini Eugene Davidovich wanika amazwana kungani "I-Messenger Bank" igatsha uvala.

Wathi kwase kuphele zikhathi ezinzima zomnotho namuhla, zonke izikhungo zezimali benza yonke imizamo ukunciphisa izindleko zabo. "I-Messenger" - nayo iyathinteka kulokhu. Kwanqunywa ukuba unciphise inani amagatsha, bese ukhulule imali ukuthi sasetshenziswa iqashwe ehhovisi isikhala, ukukhangisa, iholo abasebenzi. inhlangano, amakhasimende ungakwazi ukujabulela zonke izinketho ngokusebenzisa 'Banking Inthanethi "futhi" Mobile Banking ".

Amagatsha "I-Messenger" uzoma ukuhlinzeka amasevisi ngokushesha nje wonke eziyinkimbinkimbi izinyathelo ezihlose ukuqedwa kwabo luzoqala.

amabhange Russian baphelelwa ithemba

Abaningi bayazibuza: '? Kungani obuseduze akhawunti asebhange Takhamuti telive letfu "Lo mkhuba uye wenyukela ngenhla kwamadolo eminyakeni yamuva. Yiqiniso, isizathu esiyinhloko siwukuthi abaseRussia wesabela ukuphepha imali yabo siqu izikhungo zamabhange akuleli. Ngokwezibalo, cishe u- $ 60 bhiliyoni ku ingilazi izimbiza noma ethe njo ne abicah glue isithombe sangemuva. Esimeni semakhaya bomnotho, ngokuvumelana abaseRussia, ubungozi bokulahlekelwa imali yabo luyanda izikhathi eziningana.