Amabhange aseRashiya ebhizinisi: ukulinganisa okungcono kakhulu

Akudingeki ukuthi, kunamabhange angaphezu kuka-1000 eRussia, futhi ngamunye wabo ufuna ukunikela ngamasevisi ayo amakhasimende? Noma yisiphi isikhungo sezimali sinalo uhla lwazo lwezinhlelo ezihlukile ezinhlobonhlobo nasezinhlelweni. Kodwa yiziphi izimo ezingabizwa ngokuthi zizuzisa iklayenti? Yikuphi ibhange okufanele lithembeke, futhi yiliphi ibhange? Yini ongaqala ukusebenzisana nayo? Amabhange ezentengiselwano ohlelweni lwebhange laseRussia abamele ebangeni elibanzi kakhulu. Futhi ngaphambi kokukhetha isikhungo sezezimali, kufanelekile ukutadisha ama-nuances.

Isilinganiso

Amakhasimende avame ukucabanga ukuthi kuyo yonke imitha yendawo yebhange ayakhohliswa futhi amanga. Lokhu akulona iqiniso ngempela. Amabhange angcono kakhulu aseRussia amabhizinisi aqotho futhi asebenza ngokuhambisana nomthetho. Izikhungo zezimali ezinhle zihloswe ukubambisana kwesikhathi eside. Ngakho-ke, ukubuyisa iklayenti emhlanganweni wokuqala akunangqondo.

Futhi ukuze uqiniseke ngakho konke lokhu, kwanele ukuba iklayenti engakwazi ukubuka ukulinganisa kwamabhange, ngokusho kwabantu abasebenzisa amasevisi afanelekayo. Ngakho-ke, kuyokwazi ukukhetha isikhungo sezezimali, ukuthengiselana okuzosiza ngempela.

Isilinganiso ngokwaso sizoboniswa ngezansi. Futhi ukuqala ukwaziswa okuncane okuyiqiniso.

Ulwazi oluyisisekelo

Namuhla, amabhange angaphezu kuka-1 000 abhaliswe eRussia. Kodwa okuvelele phakathi kwabo akuwona okungaphezu kuka-100. Lapha yonke insizakalo yezinsizakalo inikezwa - kusukela ekudaleni abathengi, ukuphetha izivumelwano zokupholisa.

Kumele kuqaphele ukuthi phakathi kwamakhulu ezinkampani eziphezulu zezimali kukhona nalabo abangaphezu kwamathuba omsebenzi wabo abaye bakwazi ukuqoqa izibuyekezo eziningi ezingalungile. Ngakho-ke, ukuphendukela ebhange elithile, kubalulekile ukukala zonke izinzuzo nezindleko, kunikezwe izibuyekezo eziningi ngabo.

Amabhange amahle kunawo wonke emkhakheni wokubonga

Isimo sezomnotho esingazinzile sabangela ukuthi abantu abanokuqapha baqale ukuphatha leyo nkonzo njengokubolekisa. Akuwona wonke umuntu oyoboleka imali uma kungekho ukuzethemba esikhathini esizayo. Kodwa-ke, kukhona nabaningi balabo abasenquma ukwenza isivumelwano nebhange. Izinhlangano zezohwebo ziheha abathengi ngezimo eziqotho kanye namanani entengo ephansi.

Izikhungo zezezimali eziphezulu kunazo zonke eminyakeni yamuva ekusetshenzisweni kwezinsizakalo zezikweletu ziyi:

1. Sberbank waseRussia.
2. I-Gazprombank.
3. VTB24.
4. I-Alfa-Bank.
5. "Ukuvuselelwa".
6. "Themba."
7. Ibhange laseMoscow.

Amabhange aseRashiya angenhla ahlinzeka izinhlelo ezifanayo zokubolekisa. Imigomo yokuthengiselana ibuye ihluke kancane.

I-Gazprombank noma iSberbank?

Kumele kuthiwa amagama ambalwa uSberbank noGapprombank benza iziphakamiso eziphumelele kakhulu esikhathini esedlule kunamakhasimende abo. Le mboleko ngezinga lika-14.5% ngonyaka. Kodwa ngemibono enhle kuyokwazi ukuphetha isivumelwano lapho kwenzeka ukuthi ikhasimende linikeze isibambiso noma liholele umnqamulajuqu. Uma kungenjalo, kuzodingeka ukhokhe 15% ngonyaka.

Isiphi isikhungo sezezimali okufanele sisebenzise? I-Gazprombank ne-Sberbank bebelokhu besebenza emakethe isikhathi eside. Banikeza uhla oluningi lwezinsizakalo ezengeziwe. Kodwa uma ukholwa izibalo, abaningi bakhetha ukufaka isicelo sebhange lokulondoloza imali ye-Russian Federation.

VTB24

Lesi sikhungo sezezimali sigcwalisa ngokugcwele indawo yaso yesithathu. Amakhasimende anikezwa izinhlelo zezikweletu ngezinga lika-17% ngonyaka, okungekho embi. Inzuzo enkulu yile ndlela yokuphetha inkontileka isikhathi eside. Wonke umuntu angathatha imali lapha iminyaka engu-7, kanti isikhathi esiphezulu semalimboleko kwezinye izikhungo eziningi zezezimali asidluli iminyaka emihlanu.

Enye inzuzo yilapho kungenzeka ukulungiswa kwezikweletu. I-Russian Commercial Bank VTB24 inikeza izinhlelo zalabo abangabhekana nezibopho zabo ngezizathu ezithile.

Ezinye izikhungo zezezimali

Ukubuyekeza okuningi okuhle kungase kuzwakale ngeBhange laseMoscow. Lapha lonke uhla lwamasevisi afanele lunikezwa. Leli bhange lebhizinisi laseRussia eMoscow liyathandwa kakhulu. Nakuba unezinhlamvu kwamanye amadolobha kulelizwe.

Ngaphansi kwezinhlelo zezikweletu, amazinga avela ku-18.5% ngonyaka anikezwa lapha. Amakhadi esikweletu abuye athandwa kakhulu. Futhi sonke isakhamuzi esingumdala singasebenzisa le nsizakalo.

Kumakhasimende anomlando wesikweletu ombi, ibhange elithi "Trust" liyathandwa kakhulu. Ihlinzeka izinhlelo ngezinga lika-20% ngonyaka. Kulesi sikhungo sezezimali, bathembekile kulabo ababenenkinga ngemali mboleko esikhathini esidlule .

Ayithandwayo kancane, kodwa ibhange elithi "Renaissance" nalo liyadingeka. Lapha, izinhlelo zezikweletu ezinenani lika-25% ngonyaka zihlinzekwa. Ngamagama afanayo, izikhungo zezezimali "i-Orient Express" ne-Alfa-Bank.

Bonke sebesebenza emakethe isikhathi eside, futhi ngalesi sikhathi, bathola impendulo enhle. Lezi zibhange zingabizwa ngokuthi yizona ezithembeke kakhulu.

Ungabeka kuphi idiphozi?

Cishe zonke izikhungo zezezimali ezisebenza ngokubolekisa nazo zisebenza nabatshalizimali. Ngenxa yalokhu, kungenzeka ukuba wenze ibhalansi. Abanye bathatha imali ebhange, kuyilapho abanye beboleka.

Kulabo abakhetha ukuphetha isivumelwano sokufaka imali, abaholi bazohlala befana. Lokhu kufaka:

1. Sberbank.
2. I-VTB 24.
3. I-Gazprombank.

Ukuze uphethe ukuthengiselana, kuzodingeka unikeze ipasipoti kuphela, ngenkathi wenza ukungena kungaba nesakhamuzi sonke esikhulile. Izimo ezikhungweni zezimali ezifakwe ohlwini zifana ngokufanayo. Le mikhiqizo izophetha uma kukhona inani lama-ruble ayi-100,000.

Ukuthengiselana okuyizuzisa ngempela akukwazi ukubizwa ngegama. Izindleko zentshisekelo azikho kakhulu, kodwa ukugcina imali esikhungweni sezimali esithembekile kuyasiza ukuwagcina kusuka ekukhuphukeni kwemali.

Ungafaka isicelo ezinhlanganweni ezingathandwa kakhulu. Okusemandleni abo ekuphethweni kwezivumelwano zokufaka imali kungenziwa ngokuthi:

• AiManBank. Izipesheli zifaka imali yenzalo yonyaka ka-10,5%. Kungenzeka ukuphothula inkontileka yenyanga eyodwa.
• Ngokushesha Bank. Ukuze idiphozi ekhishwe inyanga, inika u-10.05% ngonyaka.
• I-Baltics. Lapho wenza idiphozi yesikhashana, kuphakanyiswa izinga elingu-10.4%. Ngama-deposit asebhange okungaphezu konyaka, kuphakanyiswa izinga le-12%.

Intshisekelo enhle kule diphothi iqukethe isigwebo sokugcina, okufanele sizinakekele. Inzuzo enkulu kuyoba yindlela yokufaka inshuwalense.

Amabhange amakhulu kakhulu ezentengiselwano zeRussian Federation

Ezikhungo zezezimali, lapho abantu baqala ukubhekana khona kaningi, kukhona:

• "Tinkoff Credit Systems."
• "Standard Standard Russian".

Le mabhange aseRussia ebhizinisi ayethandwa kakhulu. Noma kunjalo, konke kwashintsha lapho kuqala ukuhlupheka komnotho. Ngabantu abasesimweni esinzima futhi abakwazi ukufeza ngokugcwele izibopho zabo, izikhungo zezezimali zenqaba ukuxhumana. Ababolekisi basebenza ngendlela engafanele.

Intshisekelo enkulu kumalimboleko ingenye enye. Futhi akujabulisi ukungabi nesikhwama semali yomshuwalense. Kuye wonke umuntu unquma ukusayina isivumelwano sediphozi lapha. Futhi kuyoba kuhle - akukho nhlobo isiqinisekiso sokuthi imali izobuyiselwa lapho kwenzeka ukuthi ibhange libike ukuthi lihlehlisiwe.

Ukufingqa

Yini okufanele yenziwe? Shiya imali ngaphansi komcamelo? Ngokweqile, akukhuthazwa ukuwa. Kufanelekile ukukhetha kuphela izikhungo zezimali eziqinisekisiwe ezikhona emakethe okungaphezu konyaka owodwa. Ngingaphi lapho ebhange lebhizinisi laseRussia? Amakheli eMoscow singakunika.

• Sberbank. Ikheli lebhange: eMoscow, eMavilov street, 19.
• Ibhange laseMoscow. Ikheli legatsha: eMoscow, st. I-Sadovaya-Triumfalnaya, 4/10, isakhiwo 1.
• Ibhange VTB24. Ikheli lebhange: iMoscow, iRed Square, 3.

Lezi yizinkampani ezithandwa kakhulu eRussia. Kunoma yikuphi, ngaphambi kokwenza isivumelwano, kufanele ufunde zonke izimo ezihlongozwayo futhi ubuyekeze izibuyekezo.