IzimaliAmabhange

Bank "Tinkoff": nokwethenjelwa isilinganiso. Kunini "Tinkoff Bank" kule simo amabhange?

Eminyakeni yamuva ngobudlova akhangiswe ibhange "Tinkoff". Ikale kakhulu likhula ngokushesha, ngoba inani elikhulayo abantu sebeqala ngenkuthalo basebenzise amasevisi ayo, abaningi enenzuzo ngempela. Noma kunjalo, konke lokhu kufanele ngikutshele kabanzi.

ulwazi olujwayelekile

Umlando waleli inhlangano iqala ngo-1994, lapho umsunguli ibhizinisi, Oleg Tinkoff, wathenga Akb "Himmashbank". Ngo-2006, inhlangano saqanjwa ngokuthi "Tinkoff Credit Systems". Namuhla, ibhange ibizwa ngokuthi ngisho lula.

Sici Its main esokunakekela akude ngokugcwele. Ibhange "Tinkoff" ephakeme isilinganiso esanele, ayinakho imishini yemali kanye Izitolo okudayisa. Kodwa lokhu akubavimbeli ekubeni ethandwa.

Lena - kuphela ebhange inthanethi kulo lonke elaseRussia. imikhiqizo yayo eyinhloko kanye nezinsizakalo okunikwa amakhasimende - debit nama-credit card, kanye imali ngaphezulu. Kodwa lokhu akulona lonke uhlu amasevisi. Futhi, inhlangano iye esikhiqiza kombrendovyh ikhadi ukukhishwa ukubolekisa okubhekiswe (ukuthengwa kwezimpahla ezitolo inthanethi) kanye okubhekiswe ukukhangisa. A platform mortgage ngaphezulu has "Tinkoff Bank".

Beka endaweni isilinganiso ke ithatha 45th. Equity -. Kancane angaphezu kwezigidi eziyizinkulungwane 29.2 Inani izimpahla zakhe kuyinto ruble 182.208 bhiliyoni. Futhi iqiniso lokuthi abantu abaningi kangaka uthemba imithombo yabo kwenhlangano, uwubufakazi engcono ukuthi linokwethenjelwa.

ezithakazelisayo ukwazi

Ukukhuluma ngalokho, okuyinto ibhange "Tinkoff" isilinganiso, kufanele ukunakwa kanye namasu kanye ibhizinisi layo imodeli kuphawulwe.

Le nhlangano lucwaningo umsebenzi walo ngokusebenzisa isiteji zobuchwepheshe. Iningi ukunakwa kunikezwa isiqondiso ephathekayo. Futhi uye wazakhela excellently, ukuthi uthanda amakhasimende yesimanje. Ngenxa yokuthi abantu abasebenzisa "Tinkoff" amasevisi kuba more. Phela, ngokusebenzisa isicelo, ungenza Ukudluliselwa esheshayo nekhadi elilodwa kuya kwenye (yiliphi ibhangi!), Khokha izinhlawulo traffic futhi ukusebenzisa ingosi yemiyalezo esheshayo MoneyTalk, ngawo ungathumela imali ngqo ingxoxo. Ngokuvamile, inkonzo yesimanje.

Eminyakeni emihlanu ezayo, ibhange uhlela abe esitolo zezimali kanye sipho amakhasimende agcwele womabili amasevisi siqu, kanye nemikhiqizo umlingani.

Kubalulekile wazi ukuthi kusukela ngomhla ka 09.01.2016 inhlangano iyona 2nd umdlali elikhulu kunawo wonke -credit emakethe amakhadi isabelo 9.7%. inzuzo Net engxenyeni yokuqala ka-2016 zaba ruble yizigidi eziyizinkulungwane 4.4.

mayelana Ukuthembeka

Ibhange "Tinkoff" isilinganiso muhle futhi ngoba ungumnikazi imiklomelo ehlonishwayo eziningana futhi "ezinhlwini". Leli qiniso usenza simethembe. Ngokwesibonelo, ngo-Okthoba kulo nyaka wathola isimo ngobukhulu, ezimele yasebhange inthanethi emhlabeni ngenani amakhasimende. Kwatholakala kusukela ekutadisheni Frost & Sullivan umkhakha umhlaziyi eqinile.

Ngo-2015 inhlangano neyaziwayo okungcono yasebhange inthanethi eRussia. Futhi ngo-2016, yabe seyaziwa ukuthi isayithi lenhlangano iyona engcono kunazo yasebhange amasevisi e-Russia. Le miphumela yenza ebhange iphephabhuku ngamazwe, eyaziwa ngokuthi i-Global Finance. A Euromoney neyaziwayo okungcono yasebhange digital eMpumalanga eYurophu Ephakathi. Futhi lokho ngeke lonke uhlu iziqu. Nokho, kufanele kucace ukuthi inhlangano esinzulu kuyinto "Tinkoff Bank".

isilinganiso Ezokuvikeleka futhi kwaqinisa ngaphezulu, futhi namanye amaqiniso. Okungukuthi, yokuthi ibhange uhlanganyela ohlelweni lomshwalense idiphozi. Ngenxa yokuthi abaningi, futhi umethemba imali yabo. Uhlelo iziqinisekiso - wonke umuntu imali yabo, uzothola imali isamba esingama-ruble angu-akhawunti kanye imali wamanje kanye isithakazelo eziyizigidi ezingu-1,4.

ukuthuthukiswa esebenzayo

Ukukhuluma ngokuthi yini "Tinkoff Bank" isilinganiso ukuphepha, akunakwenzeka ukuba banake kanye nokuqaliswa okuthiwa izinhlelo zentuthuko.

Njalo kukhona imibiko uhlelo uvele noma emisha. Ngokwesibonelo, ngo-November 1 kulo nyaka, "Tinkoff" umkhankaso Apple Pay - lula futhi evikelekile ithuluzi lokukhokha yokukhokhela ukuthenga okukodwa kuphela ID Touch.

Ngo-October 3rd inhlangano umkhankaso ngesevisi ebizwa ngokuthi "Tinkoff Investments" (nge BCS "Broker"). Siyabonga kuye, amakhasimende manje ukhethe izibambiso ngqo ku-akhawunti yakhe siqu, futhi akhokhele ikhadi lokuthenga.

Futhi kwakukhona izindaba ngoSepthemba 22 ukuthi "Tinkoff" manje ukhonza amakhasimende ayo kule "yocingo" - isithunywa, is kuyanda ezingasho. Abantu bakwazi uxhumane nethimba ukwesekwa ngocingo, i-imeyili, ingxoxo bese izindlela zomphakathi. amanethiwekhi, futhi manje mina wengeze "yocingo" ohlwini. Futhi kungenziwa nje. Enough ebhokisini lokusesha ukufaka isicelo esinjalo: TinkoffServiceBot.

loan izindawo

Ngakho, ngasiphi iphuzu "Tinkoff Bank" simo kuyinto - kucacile. Ikakhulu neqhaza ekuphumeleleni amakhasimende ayo usebenzisa amakhadi kanye nezinye izinsizakalo inthanethi, kodwa eqinisweni abaningi futhi athathe loans. Futhi nanka ethandwa nakakhulu.

"Tinkoff" linikeza amakhasimende lesikweletu nge umkhawulo afinyelela ku-300 000 nge ekhaya kwezidingo. Ngesikhathi esifanayo abantu benikezwa khona inkathi entshisakalweni free izinsuku 55. Inkokhelo yanyanga zonke - 8% kuphela. Kodwa lokhu - izinga eliphelele. Ngokuvamile, uyifake ngamunye, futhi ngokwesilinganiso kuba 6%.

Abantu abaningi efana credit "ikhadi Tinkoff" njengoba nganoma yisiphi ukuthenga zona esikhokhelwayo, likhokhelwa 1% semali umthethosivivinywa. Futhi-30% - ukuthengwa Izipesheli. 1 iphuzu, ngasendleleni, ilingana ruble. Khona-ke bangakwazi ukuchitha - ukuthengwa zezindiza nemikhumbi r / w amathikithi, kwasemini at yokudlela nezinye ukuthenga eziningi. Ngakho ukuthi umuntu owenza ngaphandle ikhadi lesikweletu, futhi singazuzisa ngisho bona. Kulokhu, yimuphi "izingibe" hhayi - konke zingatholakala ehhovisi lakhe yangasese noma ngokuxhumana opharetha. Lokhu - Izinsiza eziyisisekelo "Tinkoff" ebhange. Usezingeni phakathi amabhange kungenxa yalesi sizathu ukuthi iphakeme kangaka. Ngenxa yokuthi abantu, okokuqala kunakho konke, bayakwazisa lula kanye lekubukana nemfundzi ngamunye.

izindaba kwakamuva

Muva nje, bekukhona ukwaziswa okuthakazelisayo. Futhi yilokho uthi: "BIN" ukungezwa ATM ikhadi yabo replenishment inketho "Tinkoff". Kukhona imikhawulo. Ngendlela ehlelwe olulodwa akhawunti, ungakwazi ngabeka ama-ruble 85 000. Esikhathini esingangenyanga - ruble 559 000. Ikhomishama icala, okuyinto kujabulisa kakhulu.

Lena ngenye ubufakazi bokuthi le nhlangano "Tinkoff" esingamethemba. Phela, "BIN" ivuliwe endaweni 12 e simo amabhange Russian. "BIN" kuyinto idolobhakazi inhlangano enkulu yangasese. Futhi iqiniso lokuthi manje ngokusebenzisa ATM yayo ongenza imisebenzi ehlobene "Tinkoff" yodwa qinisa nokwethenjwa ngamakhasimende.

nokubambisana

Ukukhuluma ngalokho okwenzeka ku simo "Tinkoff" ebhange, kubalulekile ukuba zihlale isihloko ngokubambisana yayo nezinye izinhlangano. ukubambisana Active nezinye izinkampani zezimali waphinda kufakazela ukungathi sína futhi asinakulethemba.

Lapha, ngokwesibonelo, SC "RosEvroDevelopment" (inkampani okuyinto umholi commercial ingcebo emakethe), "Tinkoff" ngo-August 15, usethule yohlelo lokwethembeka. Sikhuluma mayelana AURACARD Uhlelo ibhonasi. Ikhasimende yasebhange, sithenga at ngokuphelele yingasiphi iplanethi yethu, amaphuzu zanqwabelana Ungabese ongamsebenzisa SEC "Aura". Inhloso project ngokuhlanganyela - ukudala i isiphakamiso ezithakazelisayo ingxenye entsha amakhasimende.

engcono

Kusukela zonke ingxoxo ngenhla, kungaba esiphethweni esisodwa kuphela - "Tinkoff" kuyinto ibhange okuthembekile. Futhi ekugcineni Ngithanda wazi ukuthi entwasahlobo ka kulo nyaka, wabonwa njengoba ibhange kangcono isevisi credit cards kanye nokulungiselela yabo. "Tinkoff" kwaba 62,3 futhi 70 kokuhlaziywa amaphuzu aphume a kungenzeka 100. Lena amaphuzu aphezulu kubo bonke abahlanganyeli cwaningo. Futhi iqiniso lokuthi kwathiwa ejensi kohlaziyo eyaziwa Markswebb Rank & Umbiko, usenza simethembe.

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