Isilinganiselwa "Sovcombank" Ukuthembeka

On endaweni Russian Federation ziqasha amabhange ezahlukene mayelana 600. Ngezikhathi, lesi sibalo kuyahlukahluka - ezinye izinhlangano zivaliwe endaweni yabo beze entsha. Futhi ngokunembile ngenxa nokuntengantenga kwamanye abantu yesimanje ngaphambi kokubhekisa kwenye indawo amasevisi, okokuqala ukuthola mayelana ukuthembeka ibhizinisi.

Nokho, zikhona izinhlangano ukuthi singamethemba nokunye. Ziyakwazi in the 100 phezulu, njengoba umthetho. Futhi ngingathanda ukuphawula isilinganiso ngazinye ukunakwa "Sovcombank" ukuthi ikhangiswe kahle.

ulwazi olujwayelekile

Ngakho, nodaba - jikelele ibhange isiRashiya, ihhovisi laso itholakala Kostroma. Lena nkampani yomphakathi ehlanganyelwe isitokwe. "Sovcombank" isilinganiso kuphezulu: ukusungulwa osesikhundleni 19 phakathi kwazo zonke izikhungo zezimali eRussia. Isamba amafa salo ruble ezingaphezu kwezigidi eziyizinkulungwane ezingu-501 (ngo-December 2016).

Njengoba inhlangano engena isimo umshwalense idiphozi scheme, okuyinto nesinye isizathu sokuthokoza trust (inani lemali isinxephezelo ruble ayizigidi ezingu 1.4).

By endleleni, kukhona yasebhange kusukela ngo-1990. Nokho, ekuqaleni ke kwadingeka elinye igama. Futhi kuzwakala sengathi "Buykombank".

Kuyaphawuleka ukuthi inhlangano engekho ngaphansi kolawulo langempela umuntu noma inhlangano. abahlomulayo Ezazimzungezile - iqembu osomabhizinisi Russian nokuphathwa key "Sovcombank".

imisebenzi utshalomali

Le ndawo isithandwa yisikhungo sezinhlangano eziphambili zezezimali. Yilokho nje cha bonke of them ongasho ngokwayo kahle. Kodwa isilinganiso "Sovcombank" umxhwele. Ngaphezu kwalokho, ngo-December 9, 2016 emcimbini ka ukunikeza yonyaka Cbonds Imiklomelo Prize. Njengoba contender for indondo babe amabhange engcono eRussia. A ukuqokwa kwakhe kwaba 24. "Sovcombank" iwine bobabili. Wabonwa njengoba best utshalomali yasebhange ukusebenza ngokubambisana nomasipala abathintekayo, futhi umhleli we ukubekwa yesibili.

Futhi, inhlangano wathola izindawo ezimbili yesibili. Njengoba 2nd engcono utshalomali yasebhange, ukusebenza izinkampani 3 2 abaphuma ababoleka, kanye nezikhungo zezimali.

Ngemva kokuboshwa kwefindo, usihlalo nesekela lenhlangano Uthe yize ezingeni kuqhathaniswa eliphezulu mncintiswano kulo mkhakha, bayoba ukuqinisa zikuphi igunya namuhla utshalomali isiqondiso.

isiqinisekiso ngokusemthethweni nokwethenjelwa

Ekupheleni Novemba 2016 kwamenyezelwa ukuthi isilinganiso Ikhredithi "Sovcombank" manje okukhulunywe uphawu "A". Wabelwa ukuba inhlangano ukuthi singamethemba. Okungukuthi, ukuhlaziywa lokunikeza amaphuzu nemvume yokuthenga (Acra).

ochwepheshe bathi "Sovcombank" Oziqhayisayo ukuzinza. It usesikhundleni eyanelisayo esephrofayilini ingozi, inenqubomgomo ezinhle ku zezimali nokuphathwa, ngisho kwadingeka iphrofayela ibhizinisi eyanele kakhulu.

ezinzile Franchise inhlangano emkhakheni abolekise okudayisa kanye uqinisa isikhundla yayo uboleka ibhizinisi eziqinile futhi yayiphawuleka ukunakwa.

ukuthuthukiswa esebenzayo

Njengoba kakade kwase kungenzeka ukubona ukukala omuhle kakhulu ebhange "Sovcombank" ngokuya nokwethenjelwa. 2016 lingobunye ubufakazi. Kungani? Ngenxa ngo-2016 kwaba khona iqoqo amahhovisi kanye namagatsha ebhange kulo lonke elaseRussia. Lokhu kukhombisa nokwethenjelwa lenhlangano futhi kufunwe jikelele enkonzweni yayo.

Amahhovisi e-October, bavele ethandwa resort emadolobheni - Sochi futhi Essentuki. Futhi enhlokodolobha yase Karachay-Cherkessia futhi emzini laseDonetsk, Rostov esifundeni. Emuva ngo-November 2016 waba "wanezela" kwenye legatsha e Yaroslavl, Novokuibyshevsk, Neftegorsk, Leninogorsk futhi Tchaikovsky. Kodwa akugcini lapho. Hhayi kudala wavula igatsha Viliuisk, Yakutsk, Kurtamysh, Vyborg Volkhov, Rostov-on-Don futhi Tevriz (ezisemadolobheni-uhlobo isiphetho).

Ngokuvamile, ngokuvumelana izibalo zakamuva (06.01.16), ibhange ikhonza abantu abangaba yizigidi ezingu-1.5 abahlala 947 nemizana 65 izifunda ezahlukene Russian.

Usizo amaklayenti

Njengoba isivele kungenzeka ukubona inhlangano ezinhle futhi enokwethenjelwa kuba "Sovcombank". Yini indawo simo ngoba kunesithembiso, njengoba kwathiwa. Manje kungenzeka ukuba uqaphele ukunakwa ezinye amadili ebonakalisa inhlangano ekukhanyeni engcono.

Esebhange wuhlelo enkulu ukuthuthukisa Umlando wokukhokha kwemali. Nokunye isetshenziswa. It wenziwa ngezinyathelo ezintathu, owokuqala njengoba "Credit Doctor" ezaziwayo. Nansi incazelo ukuthi idokhumenti umuntu ukuhlonza, futhi ukhethe impendulo yesibili, kuthatha loan encane - 4999 noma 9999 ruble (isikhathi 3 kuya ku-6 noma 6 izinyanga 9, ngokulandelana). 40% ngonyaka. Lokhu loan, okuyinto engathathi ukuze ibheyili okuziphilisa. Futhi ukuze "kuhlanzwe" umlando wakho wokuthenga ngesikweleti,. Ukuthatha loan 5000 kusukela ebhange, ekupheleni ethemini yomuntu ezoninika 5500 k. Yena uzothola hhayi kuphela "uphawu lokuhlanganisa" emlandweni credit, kodwa MC IGOLIDE elinye ikhadi futhi umshwalense 50 000.

Eyesibili isinyathelo - isevisi "kumephu Imali." 10 000 noma 20 000 6 izinyanga ngaphansi kumaphesenti afanayo isimiso esifanayo. Esesithathu isinyathelo - "Express Plus". Loan at 29% noma 39% ngonyaka in inani ruble 30 kuya kwezingu-60 isikhathi 6, 12 noma ezingu-18.

Bephumelele zonke izinyathelo ezintathu, eyodwa iyophinde "mhlophe" umlando wakho wokuthenga ngesikweleti,. Akumangalisi ukuthi unesikhathi "Sovcombank" isilinganiso enkulu. Izibuyekezo amakhasimende ayo, ngasendleleni, waphinda uqinisekise lesi.

ibhizinisi

Lokhu isikhungo sezezimali isebenza hhayi kuphela kubantu kodwa futhi emabhizinisini ezifuywayo izinkomba ezahlukene. Futhi lolu hlobo umsebenzi has konke okudingeka "Sovcombank". Yini indawo simo kufanele sezivele wathi. Manje, kungaba amagama ambalwa wathi ngamasevisi ibhizinisi, ngenxa ngalo, ngezindlela eziningi, futhi lifinyelele isikhundla esiphakeme kangaka.

Ngokwesibonelo, Ibhange inikeza amaklayenti ngamunye ukuba abe umngane wakhe, i-ejenti noma omele kumasevisi for nezinhlangano ezingokomthetho.

Lokho bonke. Amasevisi ziyatholakala futhi emakethe dolobha, ezihlobene udaba isibopho kanye nokuthuthukiswa nokulingana ibhizinisi yangasese. Lokhu kuhlanganisa ama-securitisation, ukubolekisa yedlanzana, ukuhlinzekwa iziqinisekiso ukuba Central Bank, ibhuloho ngezimali, amarekhodi Emission, ukuhlaziya ngaphezulu.

Yini enye engingabuye ngiyenze ukwazi?

Ongoti, ngubani ukunquma ukuthi iyiphi indawo kule simo kuyinto "Sovcombank" Uyavuma: ezingeni likazwelonke, inhlangano inomthwalo ngokugcwele credit yayo izibopho. Kuyinto okunokwethenjelwa zimali, kanye ukumelana ukucindezeleka. Ezingeni international, yebo, "Sovcombank" futhi ungakwazi ukukhokhela izibopho zayo, kodwa ithonya ezintweni ezingezinhle kukhonjelwe namandla.

Ngokuvamile, ngenxa yokuthandwa kwayo, liyakhula. Kulo nyaka esisuka kuwona, isibonelo, kakhulu anda ivolumu imali yasendlini - 1.83%. Lonke inani iminikelo, ngasendleleni, kuyinto 105 082 313 000 ruble. Okungukuthi, umthamo imali "Sovcombank" oluthatha indawo 25th phakathi kwazo zonke izikhungo zezimali Russian. Nalokhu kuyinto exponent ayakufanelekela.