"Alpha Finance": ukubuyekezwa, amasevisi

amabhange Abaningi Russian ukunikeza amakhasimende abo, kanye ezengeziwe ezifakwa ngenzuzo isizinda amathuluzi. Ezinye zazo kungenzeka ukuthi isekelwe kulokho utshalomali impahla wangempela ibhizinisi. Phakathi kwalabo - uhlelo "Alpha Finance". Kuyini ngokucacile yayo? Hlobo luni ukubuya ku iqhaza kulindelekile?

ulwazi olujwayelekile mayelana "Alpha Finance"

"Alpha Finance" - iyona uhlelo lokutshalwa kwezimali ka "Alfa-Bank", eqalwe ngo-2010 futhi livulekele iqhaza zimali kuze kube manje. Ukuze ukupela igama lakhe njengoba izwi elilodwa - "AlfaFinans" kodwa ixazululwe lokubhala ahlukene ngesiRashiya. Uyini ngokucacile isinyathelo ohambelana?

Kusekelwe ekwazisweni yomphakathi, ngokusebenzisa "Alpha Finance" Uhlelo yasebhange ungwaqa negama edonsa izimali ngasese ukutshala impahla langempela. Kulesi, ngoba mhlawumbe ngokuyisisekelo ukuhluka mutual funds, lapho insimbi wezimali kungenzeka, ngokukhethekile, ukuhweba kanye Ukuhwebelana zezimali. Yield kusukela iqhaza uhlelo ezifanele kungaba engase ibe inkulu kunenombolo nokubekwa kwezimali ngokuba zifakwe ebhange.

Kungase kuqashelwe ebubanzini geography zohlelo "Alpha Finance": Voronezh, Yaroslavl, eMoscow nakwamanye amadolobha amakhulu sibe namagatsha ebhange abafanele. emabhange Kukhona ungabhalisa yabo izivumelwano utshalomali.

uhlelo Izinzuzo

Izinzuzo ukubandakanyeka ithuluzi ezinjalo ezingokwezimali ngokuthi "Alpha Finance", ebhange omula it, bheka lokhu okulandelayo:

- uhlelo uqinisekisa ukuphepha izimali emabhange ', ngisho noma lemali yabo Imininingwane idlula ruble ayizigidi ezingu 1.4 (eyasungulwa isimo nokukhawulela ubukhulu ukubuya imali uma ucabanga lesikhungo credit).

- zimali yangasese okuhambisa imithombo yezimali nekhono ubuciko, kodwa ithuba iqhaza ukukhethwa elilungile isivuno isizinda ithuluzi;

- inzuzo ongafinyelela 25-30% futhi nakakhulu.

I element oyinhloko 'Alpha Finance "Uhlelo - i Isu lokutshala izimali. Okwamanje, ibhange akhiwa insimbi wezimali, inikeza ikhasimende yokukhetha 7 yalo. Cabanga ngokucacile yabo.

Amaqhinga wokubuthelela "Izinkampani ezithaka amakhambi"

Isu ehlongozwayo ngu uhlelo "Alpha Finance" (izimpendulo ku ochwepheshe abaningi elichaza ngendlela positive), okubandakanya imali kuyo izimpahla wamabhizinisi esikhiqiza nemithi. Ngokwe bezimali efanele ingxenye wemakethe - phakathi ethembisayo, ngoba isidingo imithi eliphezulu uhlale esitebeleni. Ngaphansi "Alpha Finance" engabe iyitshalwa ukwabelana izinkampani omhlaba anothile ezithaka imithi. Phakathi kwalabo:

- Novartis.

- Novo Nordisk.

- Celgene.

- eGileyadi.

- SANOFI.

- GlaxoSmithKline.

Yiziphi adumile?

Novartis inkampani, kulinganiselwa ukuthi, kuyinto inkampani emhlabeni ngobukhulu ezithaka imithi ngemakethe nosonhlamvukazi. Kuyaziwa ukuthi ukhiqiza imikhiqizo edumile "Theraflu", "Tavegil", "Fenistil", "Lamisil" okuyiwona kufunwe sisalokhu siphakeme emazweni amaningi aziwa.

Inkampani Novo Nordisk is njengoba umkhiqizi we-insulin esikhulu kunazo zonke emhlabeni eyaziwa. Celgene brand silwenza izidakamizwa ekwelapheni umdlavuza nezinkinga isimiso somzimba sokuzivikela. Corporation SaseGileyadi eba izidakamizwa yokulwa neHIV. SANOFI nkampani inyathelisa anhlobonhlobo imikhiqizo, phakathi kwawo - "Essentiale", "zemikhosi" "Bronhikum", "Magne B6" futhi "Sofradeks". Brand GlaxoSmithKline ukhiqiza imijovo izidakamizwa elwa namagciwane - "Panadol", "Solpadein" futhi "Coldrex".

"Izinkampani ngobukhulu e-US"

Enye isu ezihlongozwayo kohlaka utshalomali "Alpha Finance" (izibuyekezo Abahlaziyi futhi zifaka phakathi ukuhlolwa omuhle kakhulu ke), ubizwa ngokuthi "izinkampani ezinkulu US." Kusolwa yokufuna amafa yenkampani kufakwe S & P 500, nenzuzo isiyonke okulingana izigidigidi zama-dollar. Phakathi kwalezi zinkampani:

- Johnson & Johnson.

- Chevron.

- JPMorgan Chase.

- ExxonMobil.

- General Electric.

- Procter & Gamble.

Ngayinye yalezi brand baziwa eRussia. Inkampani Johnson & Johnson njengengxenye amabhizinisi eziningana ezinkulu ukhiqiza imikhiqizo kwenhlanzeko, imishini kwezokwelapha kanye nemithi. Chevron Corporation - phakathi imidondoshiya emhlabeni uwoyela negesi umkhakha. JPMorgan Chase Bank libhekene kakhulu ukusebenza ukuzinza, naphezu nokuntengantenga ukuthi ebonwe eziningana izingxenye kohlelo lwezezimali emhlabeni wonke. Inkampani ExxonMobil - waphinde wabhekana nomunye umdondoshiya amandla, uphakathi eqolo emhlabeni yenkampani. General Electric Inkampani ngenkuthalo otshala imali amabhizinisi ethembisa iphrofayela yakhe. I corporation Procter & Gamble kuthatha cishe 25% wemakethe jikelele ingxenye uyaca ukusetshenziswa izimpahla.

"Innovative IT-inkampani"

"Alpha Finance" Enye isu emangalisayo (izibuyekezo abahlaziyi zezimali mayelana it njengoba omuhle kakhulu) - "Innovative IT-izinkampani." Okuthathwa iyitshalwa amafa bezinkampani ezinkulu:

- Apple.

- I-Google.

- Samsung.

- Microsoft.

- "Yandex".

- Facebook.

Ngamunye wabo, naphezu inzuzo umxhwele, has a engaba esihle sokwanda okwengeziwe, izazi zikholelwa. Wabelana izinkampani eziningi ezisohlwini uhlu, libonisa ukukhula ngonyaka ka 40-50%.

"Amazwe asathuthuka"

Enye isu ehlongozwayo kohlaka "Alpha Finance" (Zimali Izibuyekezo ukuyichazela njengoba omunye ethembisayo) - "amazwe asathuthuka." It luhlanganisa ukutshala imali amafa izinkampani ezisebenza emazweni izimakethe abasafufusa. Ikakhulukazi:

- Taiwan;

- e-Hong Kong;

- eMexico;

- Malaysia;

- eNingizimu Afrika;

- e-Indonesia.

Eziningi zalezi ukuwohloka komnotho wamazwe akhethiwe ezikhulayo ngokushesha okuningi kunalokho isimiso sezomnotho emazweni athuthukile kakhulu emhlabeni. Ngesikhathi esifanayo banayo yonke nengqalasizinda edingekayo nezisetshenziswa okwanda esimeme. Abatshali abaningi bezimali ngamazwe uncamela ukutshala ibhizinisi kuba emazweni asathuthuka, lapho kukhona zonke amathemba ukufeza nenzuzo eliphakeme wamabhizinisi.

"FMCG"

Isu engavamile kakhulu kungase kubonakale "FMCG" umema abahlanganyeli "Alpha Finance" uhlelo. Moscow - omunye ehamba phambili izizinda zezomnotho European, kodwa abahlaziyi wedolobha ngisho abanolwazi uqaphele okwakhe umqondo ehlongozwayo ngu "Alfa-Bank."

Isu okukhulunywa kuhilela nokutshala izimali ezinhlelweni amafa ezinkampani ezikhiqiza Eqinisweni, labo imikhiqizo bayindlala abantu cishe nsuku zonke: inhlanzeko yomuntu siqu, ngokudla, iziphuzo. Phakathi abadlali phambili kule ingxenye emakethe:

- Nestle.

- McDonald.

- Coca-Cola.

- Pfizer.

- Unilever.

- Colgate-Palmolive.

Isidingo imikhiqizo zalezi zinhlangano uzinzile, kanye ikhono engenayo abahlanganyeli "Alpha Finance" uhlelo.

"Chips Blue"

Lelisu kuhilela sitshala imali izinkampani ezinkulu Russian, okuyizinto, eqinisweni, yisandla komnotho we Russian Federation kazwelonke. Phakathi kwalabo:

- Novatek, nesebenzela ku uwoyela negesi wemboni.

- LUKOIL, ngomunye umkhiqizo edume kakhulu emkhakheni ukukhiqizwa motor nophethiloli.

- Bashneft nezinye corporation ezinkulu uwoyela.

- Surgutneftegaz - omunye abaholi uwoyela negesi emakethe yeRussia.

- Evraz, omunye abakhiqizi steel esikhulu kunazo zonke emhlabeni.

- "Polymetal" - phakathi omhlaba anothile ezimayini zegolide, nesiliva, nethusi.

Naphezu nengwadla emnothweni isiRashiya, lezi zinhlangano izinze. Ukutshalwa kwezimali izimpahla zabo, ngaleyo ndlela, kungaba libhekene inzuzo enhle. Abatshali abaningi bezimali bathi manje, ngenkathi ukwabelana ehola izinkampani Russian okulula ezishibhile, ungakwazi imali kuzo ukuze singene okukhipha ingqikithi RF stock market endleleni ukusimama komnotho ngaphandle ukwanda-dolobha yawo.

"Izinsimbi ezinhle"

Enye isu ehlongozwayo ngu kubahlanganyeli hlelo "Alpha Finance" - "Izinsimbi ezinhle". Imali, ukuze lube kubo, noma kunalokho, amanani abo emakethe ocashunwe. Ngokusho izazi "Alfa-Bank", izinzuzo imali izinsimbi eziyigugu - e ukumelana yabo zomlando ukuze zonke izinhlobo ezihluzekile ngesikhathi sezinhlekelele. Naphezu kwalesi simo esishubile of the izingcaphuno efanele, igolide, isiliva ne-platinum, (labo izinsimbi, okuyinto okufanele ukutshala) njalo kuzoba intengo ngenxa yokuthi ukuthi zigcine emhlabeni zilinganiselwe, futhi funa ingabe usekhona. amatshe ayigugu, ngokusho kongoti, avikelekile emiphumeleni wenzuzo sikhundla kwezepolitiki. Abahlaziyi bachaze isu ezihlinzekwa "Alfa-Bank", njengoba omunye ozinzile impela ngokuya nenzuzo kanye nokusimama amafa ukuthi angaphansi ukutshalwa kwezimali utshalomali.

kokuhlaziywa Yohlelo impendulo

Ngokwazi kungenziwa ezithembisa izimali kohlaka "Alpha Finance"? Imibono evezwe kule ndaba yibo bobabili abahlanganyeli nabahlaziyi zezimali. Kulinganiselwa ukuthi izakhamuzi kanye nabamele umphakathi uchwepheshe kungenziwa ihlukaniswe lezo:

- ukuveza ezokwahlulela cishe eminyakeni amathemba ukutshalwa;

- ezihlobana izinga "Alfa-Bank" inkonzo ngokuya ukuxhumana amaklayenti uhlelo;

- ezihlobene kokuhlaziywa, eqinisweni, umqondo ezihlongozwayo yi- credit Iinhlangano zezimali, ukucacisa degree uyamethemba kulo.

Njengoba for amathemba ukutshalwa kwezimali, izakhamuzi uchaze isimiso njengoba ezikhangayo. Abaningi bathi it is ucabangela iqhaza kulo, hhayi njengoba main ngenzuzo isizinda indlela, futhi ngaphezu kwalokho, isibonelo, nokubekwa kwezimali ngokuba zifakwe ebhange, ngoba inzuzo utshalomali olufanele ifaniswa nezimbewu eyodwa ephawula ezifakwa bendabuko. okungalungile ngokuphelele, ngakho ukuthatha ukubamba iqhaza "Alpha Finance" Uhlelo credit - amazinga sayo kuyoba ephakeme ukwedlula kubuye kungenzeka utshalomali.

izinga lenkonzo isikhungo ezifanele ucubungula amaklayenti ayo ngempela kahle. I-hotline "Alpha Finance" usebenza njengezakhamuzi ukholwa kahle. Akunandaba ukuthi idolobha brand likhona. Empeleni, isimo sendawo uhlelo kuvumelana inkonzo, nesebenzela ukuqalisa uhlelo "Alpha Finance" ebhange. ETaganrog, eVoronezh Yaroslavl - emizini, lapho kukhona brand, kungenzeka ukuba abe i zimali. Izinga lenkonzo ngesikhathi esifanayo ngempela ezingeni, kungakhathaliseki ukuthi geography langempela ebhange. Uma umuzi lapho isakhamuzi itshala imali ngokusebenzisa iqhaza "Alpha Finance", - Voronezh, azikho izinkinga ukuthola ulwazi olufanele mayelana nohlelo ngeke luvuke, kanye nokuthola i zimali eTaganrog noma Yaroslavl. Ukuba yinkimbinkimbi kwayo impendulo futhi nobuntu ukuze ukuxhumana phakathi "Alfa-Bank" futhi amaklayenti. Uma umuntu efuna ukubuza umbuzo mayelana nohlelo, okuyinto yasungulwa ngo "Alpha Finance" ebhange, xhumana nehhovisi eliseduze lesikhungo uhlale etholakala ku-intanethi.

Ukuthembeka njengokuyimfuneko ebaluleke kakhulu

Ngokuphathelene nokuhlolwa umqondo ezihlinzekwa "Alfa-Bank", abatshalizimali kubonakala ngempela ethembisa. Kokutshalwa kwezimali ezimpahleni wangempela corporation noma izinsimbi eziyigugu by abahlaziyi abaningi kubhekwa njengekhambi elingaba usizo okuthembekile okuningi ngezindlela yokwenza imali kuka, bathi, ukuhweba ngohlobo. Ukuzinza imali angase kubenza bavame isizinda ukumelana, esibonakala by ukuqalisa uhlelo "Alpha Finance" ebhange. ilayisensi Kuhoxiswe naye, ngokusho kongoti, nje akukwazi, ngenxa yokuthi ukuzinza kwezezimali kwadingeka - phakathi elilungile kakhulu emakethe nolwasebhange Russian Federation. "Alfa-Bank" - omunye amabhange ngobukhulu Russian.