"Miraf yasebhange" Inkinga: ilayisensi ichithwe, hhayi ukwenza izinkokhelo

Ukuthemba imali yabo yokugcina amabhange is ziba nzima. Futhi akusiyo ngisho nokuntengantenga kwezezimali global, futhi ukuhlanzwa njalo we Central Bank. Kulokhu kunzima ngempela ukuqagela lapho ku abolekise yakho isikhungo ngeke hang "Inkemba Damocles" Regulator. Lesi sikhathi ngaphansi khahlela hit "Miraf-Bank". Izinkinga ezibhekene isikhungo sezezimali, emabhange ukubuyekezwa kanye neminye imininingwane mayelana inhlangano uzobe okuxoxwe ngazo kulesi sihloko.

lwati lolufinyetiwe yasebhange

"Miraf-Bank" - kunalokho enkulu sesikweletu nendlunkulu Omsk. It yasungulwa ngo-1997 futhi kusukela ngaleso sikhathi akukaze yashintsha igama layo. ifomu eshintshiwe noma kuphela wezomthetho inkampani. Yena wayedume idumela lakhe lihle futhi akukaze ephathelene kusuka amakhasimende ayo nge amaqhinga ahlukahlukene zezimali.

"Ibhange Miraf" (ilayisensi ke kulelo qophelo sasingakafiki Ahoxisiwe) kancane kancane inethiwekhi yayo okudayisa ngokuvula kwamahhovisi amasha atholwa emadolobheni amakhulu kakhulu futhi izifunda of Russia.

Wathatha ukuhlanganyela ngenkuthalo ukuthuthukiswa kwebhizinisi ezinkampani okudayisa, inikeza izinkonzo eziningi standard ibhizinisi kanye nabantu. amakhasimende ebhange ngokuyinhloko ukulibona kwezentengiselwano nezezimboni, kuhlanganise izinkampani kusuka ezihlukahlukene imisebenzi yokusiza umphakathi.

Izibuyekezo eziningana "Miraf-Bank"

Lapho inhlangano yezimali usasebenza, amaklayenti wakhe kushiya kuzibuyekezo sakhe sengqondo esihle. Ngokwesibonelo, omunye umboleki wayethanda siqu loan imigomo. Abanye wahlela izinhlelo idiphozi nge amazinga aphezulu. Ingxenye yesithathu bathandile nobuchwepheshe bale abasebenzi lenhlangano abajabulayo ukuphendula imibuzo futhi aphendule ngokushesha uma kwenzeka izimo ezingalindelekile. Njengoba ubona, "Miraf-Bank" (izibuyekezo umsebenzisi Uyi ubufakazi olukhulu ukuthi) kwaba onokwethenjelwa futhi ethandwa isikhungo sezezimali.

Kafushane, ayengenazo izimpawu sokuhlupheka. Kwenzekeni nebhange, lapho bonke ithemba? Ziyini izimbangela zezinkinga zezimali? Futhi lokho yaphela Ukuhlolwa Commission Regulator?

izinkinga zezimali Ibhange sika

Ngokusho iningi amakhasimende, futhi babengakucabangi nakukucabanga ukuthi yisiboniso yabo uhlangabezana nanoma yiziphi izinkinga zezimali. Ngokwesibonelo, amaphesenti angu-"Miraf-Bank" (Omsk) ikhokhwe njalo aboleke imali noma Shill entsha imikhiqizo yasebhange.

Konke kwaqala ngo-December 2015, lapho omunye inthanethi ezinethonya kunazo zezimali ishicilelwe kwi website yayo umyalezo unqamule "Miraf Bank" kusukela BESP izinkokhelo.

Ngaleso sikhathi, amakhasimende ebhange ayizange babone ukungathi sína isimo othandekayo yisiboniso yabo. Ngaphezu kwalokho, cindezela-service isikhungo sezezimali "Miraf-Bank" (Omsk - umuzi lapho ikhanda ihhovisi yenkampani) baqhubeka ukugcizelela eliphelele lokulawula lesi simo.

Ngosuku lokushicilelwa kwesaziso enkonzweni cindezela ebhange wenza isitatimende mayelana nokungaboni ngaso linye kulolu hlelo. Noma kunjalo, wathi sonke esingu izinkokhelo kuzoqhubeka operation evamile. Kodwa kwathi bonke kakhulu.

Eyokuqala "umthamo" ukuntengantenga yebhange: nge Ukukhishwa ezifakwa inkinga

Ngemva kwamahora ambalwa enze isimemezelo abameleli yasebhange izinkundla waqala ziyavela ubuyophazamiseka by emabhange. Ezimweni eziningi, umbhalo kuyehla kube iqiniso lokuthi azisebenzi futhi ungathumeli izinkokhelo. Nakuba amakhasimende amaningi yayimane nje siqiniseke ukuthi isimo sekuvele unecala "Miraf-Bank". Iminikelo evela izindaba abasebenzisi ayisekho walondoloza. On kubo ayikwazi ukususwa isithakazelo, wenze ezifakwa eduze kwakungenakwenzeka.

Kuyaphawuleka ukuthi abasebenzi yasebhange ngokwawo ayehluleka ukunikela ihlathululo ezanele ngokuphathelene nalesi simo. Lokhu okunye whet amakhasimende. Ukwesaba.

"Miraf-Bank": izinkinga (ukumisa ukukhokha ezifakwa)

Kusukela ekupheleni kukaDisemba 2015 "Miraf yasebhange" wayeka kokukhipha imali. Ngaphansi kokubusa entsha, inhlangano yezimali, izakhamizi Omsk bavunyelwa ukuthatha ruble akukho kuka 10-15 000 ngosuku. Ito zokusebenza ukuthethwa kwecala. Nokho, amanani ezinkulu imali nje eba yiqhwa futhi wenqaba ukulahla ngisho izingxenye.

28 kuZibandlela ngonyaka ofanayo "Miraf-Bank" (izinkokhelo lapha engenza aphume lwemali kazwelonke angaphandle) esehlela ukuba kube nomhlangano womhlaba wonke. Ngokusho idatha kwangaphambilini sasiqhutshelwa ehhovisi eyinhloko inkampani (emgwaqeni. Frunze).

Kodwa noma kunjalo, abameleli ibhange uziphikile lezi zinkinga solvency. Baqinisekisa bonke ababekhona ukuthi isizathu nokubambezela ukukhokhela kwaba ushintsho sesikweletu inqubomgomo yezezimali.

Phakathi kwezimbangela kungenzeka, ngokuvumelana ofakazi, ibhange ngokuthi nokungafanele uvalo amakhasimende. Kungenxa yokuthi kuwo "Miraf Bank" akwenzi izinkokhelo. Lokhu kungenxa inombolo Amazing izicelo ezivela abantu abanawo isikhathi ukucubungula abasebenzi kwenhlangano.

Khona-ke, izisebenzi zale nkampani akhuthazwa ukuba abe nesineke futhi uthemba umsebenzi ochwepheshe. Emabhange ubengase bakholwe futhi ulindele isinqumo sokugcina.

Ukwethulwa ngesimiso sokuqondisa wesikhashana ibhange

Ekugcineni elicwengwé isimo kuphela ngemva ibhange lenza wonke-out ukuhlolwa. Khona-ke, isilawuli owethulwa ekuphathweni yesikhashana. Lokho wakwazi ukuthola izizathu yangempela, ngenxa okuyinto "Miraf Bank" akwenzi izinkokhelo. Nye of them were ukuphathwa ukukhwabanisa zezimali lesikhungo credit.

Ngokolwazi wokulungiselela, ngaphambi nje kokuba ukwethulwa ekuphathweni zesikhashana abamele ibhange ukuthengisa impahla yenani phezu ruble ayizigidi ezingu-560. Futhi wakwenza ngokushesha.

Ngesikhathi esifanayo, "Miraf-Bank" (izinkinga usanda) izikweletu esibalelwa ruble abangaba yizigidi ezingu-120. Futhi imali kuthiwa etholakele abanye abantu abakweletwayo futhi inikezwe kwabanye.

Inventory kanye ukuhlonza ukushoda

Ngenxa yalokho yokusungula ukwephulwa yasebhange amaqiniso amasha zihlonzwe. Kwabe sekuvela ukuthi, abamele inhlangano yezimali imibhinco, bazam nokucashela nokushoda isilawuli kwempahla inani ruble ayizigidi ezingu 288,53. Ingcenye eqakathekileko yomsebenzi lemali wayehlobene yokuntuleka izibopho kanye namanothi, kanye credit izivumelwano namanye amadokhumenti.

Ngaphezu inkampani izibambiso "Miraf-Bank" (izinkinga yenkampani zihlobene emthethweni inqubomgomo manual) Ukuhlolwa kwembula washonaphi ifenisha, izinto, futhi ezokuthutha izikweletu. Bonke empeleni "elenga emoyeni" futhi akukho ndawo akuyona inombolo.

Phakathi audit, liphinde "umgodi" omkhulu uchaziwe isabelomali lenkampani, ezingafinyelela 1 bhiliyoni. 512,8 wezigidi. Ruble. Lona inani kunqunywa umehluko phakathi ubukhulu yasebhange futhi isibopho yayo amafa.

Ilayisensi ye "Miraf Bank"

Umphumela IKhomishane Yophenyo kuye kwafeza lukhulu iziphetho akuzona esivuna sesikweletu 'Miraf-Bank ". Ilayisensi ngenxa yokuqinisekisa ichithwe, futhi idumela lenkampani spoilt ngokuphelele.

Ngokusho idatha esemthethweni, esinye sezizathu esenza ezaholela sokwesulwa ilayisensi, zazimi kanje:

• ukuphulwa okuphindwayo imithetho yombuso kanye neziqondiso;
• nokuhlinzekwa idatha engalungile futhi alithembekile imisebenzi yezimali inkampani;
• brokering lemali of imali eyiphinda nezakhamuzi ezicebile ';
• sitshala imali ephansi izinga izimpahla ngaphandle kokudala izinqolobane ezengeziwe;
• non-ukusebenza nezibopho abakweletwayo ngalesi simo.

Futhi elahlekile ilayisensi yakhe "Miraf-Bank". amagatsha awo wavula e Moscow, Omsk, Tolyatti neminye imizi WaseRussia, zavalwa kuze kube kukhishwa isimemezelo of Central Bank.

Icala kanye isimemezelo yasebhange ngongakwazi ukukhokha izikweletu

Ngemva Ukuhoxiswa kwelayisensi Central Bank isifake isicelo enkantolo, lapho wafuna ukuba aqaphele zezimali nesikhungo ezikweletini. Ngenxa yalokho kwesivivinyo, ayeba ukuthi Januwari 24, 2016, inkantolo ithole ukuthi "Miraf Bank" ezikweletini. Ngemva kwalokho, lesi sinqumo wamemezela Agency Idiphozithi Insurance. Ngokwe isitatimende, emabhange yebhange kuhlulekile kwakudingeka akhokhe yizigidi eziyizinkulungwane. 2.8 ruble isinxephezelo.

Ukukhokha izimali lenkampani yimali

Ukuze ugweme netwetwe emabhange, le Idiphozithi Insurance Agency wamemezela ukuqala umfanekiso izinkokhelo umshwalense "Miraf-Bank", falling mhlaka-4 Febhuwari, 2016. Inani isinxephezelo kwadingeka ukuba 100% yesamba wonke ama-akhawunti depositor ngaphambilini wavula emabhange ungeke uzithole usuwile. Nokho, imali etholakale kumele singeqi 1.4 Mill. Ruble e sesisonke.

Hlelekani DIA nxephezela zimali can ngaphambi Februwari 4, 2017. Izinkokhelo kulokhu wathatha "Rosselkhozbank". Ngaphezu kwalokho, zimali ngamunye unelungelo lokukhetha ukhetho elula kunazo yokuthola imali (ngokheshi noma ngesimo ukudluliselwa kwe-akhawunti ebhange ikhasimende lakho).

Ukuze uthole ulwazi mayelana amakheli amagatsha akhona ebhange-ejenti, kufanele ushayele i-hotline: 8 (800) 200-02-90. I-oda yokukhokha usukela ezincwadini eyenziwe edition eprintiwe "I-Komsomolskaya Pravda in Omsk."

Okwamanje ku isinxephezelo "Miraf Bank" ziqondiswe abantu mayelana 4.800, kanye 150 osomabhizinisi eliyithafa medium and enkulu. Esikhathini esizayo esiseduze inani labo abafisa ukuthola isinxephezelo, ngokuvumelana abameleli ACB kuzokwanda izikhathi eziningana.