Izibuyekezo. "RosinterBank": imali, ukubolekisa

Manje-ke kwenzeka ukuthi uma sitshala imali izimali zabo, abatshali bezimali abaningi banake idumela le isikhungo sezezimali sika ngisho simo yayo phakathi kwezinye izikhungo credit. Kodwa, empeleni lezi zibalo akuzona njalo kuwuphawu ukuthembeka ebhange. Isibonelo okuphawuleka "RosinterBank". Izinkinga ukuhola kwakhe waqala ngempela ngokungalindelekile. Funda kabanzi mayelana ebhange elinezinkathazo nobunzima kwadingeka abhekane, zichaziwe ngezansi.

Azikho izimpawu lwenhlupheko; ulwazi generalized mayelana ebhange

"RosinterBank" - ngempela ebhange commercial ehloniphekile ezisebenza emakethe Russian zezimali kusukela ngo-1990. Kusukela wokuvula yayo, it is hhayi nje exhasiwe, kodwa futhi ulisekela okugcwele abameleli amabhizinisi yenkampani, amancane, aphakathi nendawo kanye enkulu.

ekugcineni inethiwekhi emagala aso wakhula emahhovisi 40 elise Tyumen, eYekaterinburg, Yaroslavl, Nizhny Novgorod, Petersburg, Kazan, Krasnodar nakwamanye amadolobha nezifunda yeRussia. Ngakho ngaqala lapho ukuba ukuze athole umfutho "RosinterBank" eMoscow futhi baba ngaye umuzi omkhulu lapho ibhange, wenzela ehhovisi main.

Imiklomelo kanye amabhonasi yasebhange

Naphezu mncintiswano kahle esikhulu kusukela nezinye izinhlangano kwezohwebo, "RosinterBank" laqhubeka landa nokuthuthukisa. sekudlule Esikhathini esithile, kanye isikhungo sezezimali belilokhu lithola honours, imiklomelo kanye nemiklomelo. Ngokwesibonelo, akunjalo kudala, ubuholi bakhe indondo eliphakeme esigabeni "ebhange komphakathi-ngamakhasimende" yethulwa, kodwa omunye wamalungu ebhodi waklonyeliswa umklomelo main "Ukuze umnikelo siqu ekuthuthukiseni ngezezimali izingane nentsha."

"RosinterBank": Isilinganiso

RosinterBank ngokushesha okukhulu eyaduma futhi ethandwa isikhungo sezezimali. Ngaphezu kwalokho, ubukhulu izimpahla zalo, wangena 70 phezulu amabhange esikhulu kunazo zonke eRussia. Kamuva, le nhlangano beza 10 phezulu phakathi izikhungo zezimali, idume ngomtapo inkonzo yayo lihle ikhasimende. Futhi umsebenzi omuhle kakhulu abasebenzi asebhange kanye namakhasimende ezikhonjwe ngokubheja inkampani eziyizintandokazi zakho phakathi kwabayishumi abaphasa ngamalengiso e-"Isilinganiselwa Yabantu". Kuyaphawuleka ukuthi phakathi flagships phezulu wezimali "RosinterBanku" kuhlulekile wawuqala 2014 kuya ku-2015.

Credit card kanye neminye imikhiqizo yasebhange

Ngaphambi ukwethulwa ekuphathweni zesikhashana, ngokuvumelana nobufakazi eziningi, "RosinterBank" wahlanganyela uwukuboleka amabhizinisi kanye nasemakhaya. Ngokwesibonelo, omunye imikhiqizo ethandwa kakhulu ebhange ubhekwa boleko imfundo. Ngalo, abafundi abaningi bayakwazi ukukhokhela izifundo zakhe eNyuvesi. Kuyaphawuleka ukuthi uhlelo siqhutshwa ukuxhasa ezithile isimo futhi inezinga eliphansi kunawo wonke ngaleso sikhathi, inani lenzalo - 7.6% ngonyaka.

Esinye isiphakamiso kwaba inzuzo ebhange "loan Trust mortgage", lapho ingamaphesenti futhi aphansi (11,5-13,5% ngonyaka) kuka emikhiqizweni loan efanayo akhiwa nezinye izinhlangano zezimali. Ngelilodwa nje, "RosinterBank" - kuyinto yamanani ezikhangayo, yilokhu eyenza ihluke nezinye izinhlangano zezimali.

Yini abantu wathi mayelana ebhange?

Kukholakala ukuthi ngaphambi kokucela noma iyiphi inhlangano yezimali, ukufunda Izibuyekezo umsebenzisi kumele imininingwane lokuqala. "RosinterBank" - isikhungo sezezimali anolwazi nokuhlangenwe nakho komsebenzi, ngakho lapha iphendulwa amaRashiya amaningi. Ngokwesibonelo, umuntu kufanele akhohlise ezihlukahlukene enkulu yemikhiqizo esikweletu idiphozi izinhlelo. Enye wayethanda izimo ezikahle for imali futhi ethembekile kwaze kwaba izimfuneko ukuhoxiswa ekuseni lemali etshaliwe.

Esinye zashayela wakhuluma ngemisebenzi emihle abazitholile ehhovisi, ise Kondratyuk emgwaqweni, d 3, futhi umnyango kuleli kheli elilandelayo :. eMoscow. Str. Maclay, d. 55.

Ezinye Izibuyekezo lamabhange, ngokuphambene aqukethe indaba izinyembezi mayelana isevisi embi, okwaholela eziningi izindleko ezengeziwe ohlangothini iklayenti. Kafushane, umbono umsebenzi ebhange lakho siqu ezahlukene, kanye amaklayenti ngokwabo.

"Amnandi 'futhi okulinga umnikelo Organization

Ngaphezu imikhiqizo loan ahlinzekwa "RosinterBank" ezifakwa abantu ngabanye. Njengasendabeni yabase ukubolekisa, idiphozi izinhlelo kulindeleke isithakazelo lasetulu nemibandela design ekhangayo. Isibonelo okuphawuleka umnikelo yamuva enesihloko esithi "Holiday +".

Ngokusho imigomo, beka kungaba lwemali zasekhaya noma zangaphandle esikhathini esiyizinsuku ezingu-100 kanye 550 ka. Izinga lenzalo yemali mboleko ngezinye Rouble umnikelo kwaba 10.5-11.5%, futhi izimali zakwamanye amazwe - nokusuka 0.8 2.4%.

Ngokuthakazelisayo, ukonga zimali intshisekelo ngenyanga enqwabelene kwi-akhawunti yekhadi wakhe, okuyinto kwavuleka kuye "RosinterBank" (ilayisensi, ngasendleleni, ibhange ongakabi kuhoxiswe). Futhi okubaluleke nakakhulu, ukuthi "Holiday +" kuvuma ukuhoxiswa ekuseni cash uhla 30% noma 60% engaguquki umnikelo izinga. Futhi-ke, kubahlanganyeli hlelo ngokuzenzakalelayo ukuba ngumnikazi elijabulisayo isipho ivawusha in inani ruble 20 000 (ngesikhathi draw ka imiklomelo ebhange). Ingoma efanayo, hhayi sipho!

Enye "ezihlwabusayo" Bank isiphakamiso kwakuhlezi uhlu lwezinhlelo "Ethile". Futhi uma ekuqaleni, ayecabanga ngesilinganiso 10% ngonyaka, is closer kuze ehlobo ukuqala izinga lakhula lafinyelela ku-12%. A idiphozi "Kuyazuzisa +" ekuqaleni ahlinzekwa, kibo boke abafisa ukutshala imali yakho-14% ngonyaka.

Ngenxa yalokho, inqubomgomo ukumaketha abanekhono, edonsa abantu kanye nabamele ibhizinisi, umane elahlekile siqaphile. Zawubeka izimali zabo ezibonakala okunokwethenjelwa sesikweletu, kanye CB "RosinterBank" ngonya kuhlulekile. Okwenzeke kuye? Futhi iyini imbangela yezinkinga zayo?

Imbangela nemphumela, kwenzekeni ebhange?

Enye Septhemba 9 abameleli ebhange umemeza kakhulu mayelana credit card yakhe entsha, eyenzelwe othisha. Kodwa ambalwa izinsuku ezedlule, ehhovisi kanye nabo bonke uMnyango ekhona izinhlangano zezimali abangu ngokuzumayo ivaliwe. I website esemthethweni ye inhlangano rosinterbank.ru liyeke ukusebenza, futhi line zocingo ashisayo - Ikhutshaziwe.

Ngenxa yalokho, iningi emabhange amakhasimende ebhange lapho uvalo. Abaningi babo baqala ukubhala izimpendulo uthukuthele ( "RosinterBank" - isikhungo sezezimali, ukusebenza osomabhizinisi, futhi ngabanye), ukubuza imibuzo. Futhi abanye ngisho ukuza ehhovisi ephakathi futhi wazama ukuba ngivule nemishayo, abafisa noma yini ukuze uthole ngaphakathi esakhiweni. Kodwa bonke babengamadoda abanesifiso sokwazi main: "Kwenzekeni?".

A ibhokisi nje, uvele wavula

Isineke, amakhasimende ngokungenangqondo "buthule" ebhange, ekugcineni wathola izimpendulo. Kwabe sekuvela ukuthi, "RosinterBank" (umnikelo lapha angavulwa lwemali angaphandle kanye ezifuywayo) imise umsebenzi wayo ngenxa Central Bank of unswinyo. Lokho kubanika, wachaza lezi zenzo njengoba isilinganiso ophoqelelwe, kunqophe ukulinganisa isithombe ezinkulu ngokwezimali ebhange.

Ngokwe-Regulator, wabika ukuthi "RosinterBanka" ngalesi sikhathi kwachazwa ngokuthi engazinzile futhi ziyingozi. Futhi kusukela lena usongo ngqo abakweletwayo futhi izimali, umsebenzi wakhe ngesikhathi kuhlolwa kwanqunywa ukuba ayeke.

Ukwethulwa ekuphathweni zesikhashana

Ngenxa yalokho, ekuqhubeni Central Bank of the Russian Federation ku "RosinterBank" (inkinga lapha waqala kakhulu muva) laqanjwa urhulumende yesikhashana. Ngesikhathi esifanayo sikhundla wemfanelo Enesikhathi inikezwe ngabameli DIA (Idiphozithi Insurance Agency). Amandla abaphathi kanye bamasheya isikhungo sezezimali kuhoxisiwe okwesikhashana.

nokuphathwa ibhange lesikhashana useqokwe isikhathi izinyanga eziyisithupha futhi baqala imisebenzi yakhe ngo-September 15 kulo nyaka. Lolu lwazi, njengoba bokuzibonela, ibhange namanje ephethwe ukushicilela kuwebhusayithi yayo ngoLwesine. Kusukela ngaleso sikhathi ikhutshaziwe ohlelweni yokukhokha ngogesi kanye namakhadi behlala ndawonye bengashadile akusashiwo zigcinwe ngaso terminals inhlangano yezimali. Kodwa uyini imbangela ukunganeliseki ezihambisana Regulator?

Iyini imbangela ukungabethembi Central Bank?

Ngokusho kobufakazi eziningi, "RosinterBank" hhayi kuphela wahola ephezulu izinqubomgomo abolekise, kodwa uma ngikhuluma iqiniso Khimich usebenzisa imali. Ulwazi efanayo mayelana ebhange kuqinisekiswa umthombo eduze Regulator. Inani elikhulu of nezindaba iphuma Central Bank ngenxa isimo izikweletu eyenziwe edonsa izimali emabhange lesikhungo credit.

Kwabe sekuvela ukuthi, idatha olusemthethweni olunikezwa Regulator "RosinterBankom" iminyaka eminingi kwakuhambelana nokuka kwezinkambiso aqine. Nokho, izibalo zangempela, ngokuvumelana abahloli kufanele okuningi kunalokho. Mhlawumbe lo is yaniso. Uzenzela, nje ngekota yokuqala ngokuvumelana idatha olungekho emthethweni, izindleko izimali ephakanyiswe zaba 13.5% ngokwezibalo yonyaka. Kodwa ngenxa yomsebenzi anjalo okukhulu hhayi kubonakala imibhalo ebhange. Lokhu kusho kuphela eyodwa ukuthi isikhungo Ikhredithi play isithunzi futhi ezihambisana ezingabazisayo imali zokukhokhelwa.

loan imali Interbank

Kanyekanye Izwe imibhalo, "RositerBank" livele phakathi ababolekisi ezinkulu emakethe interbank. Ngokusho kwemibiko wokulungiselela, ekuqaleni Agasti inani asizakale isilinganiso weemali kwaba ngaphezu kuka 30% wabo bonke imali yekwentiwa. Kancane kancane, lesi sibalo eqala ukukhuluphala, njengoba abameleli ebhange, ngokusobala, abekade kwencika ezithile ku ngemali. Uma ukholelwa ukuthi ochwepheshe ke izenzo ezinjalo phezu ingxenye yenkulumo umboleki sika mayelana nezinkinga nge zezimali zalo. Lokhu futhi kufakazelwa Izibuyekezo eziningi lamabhange, lawo ngaphambi isimemezelo ucabanga kwaphakama izimo ezinjalo.

abameleli Bank babebanjwe yilolu esishisayo

Mhlawumbe notshani wokugcina emisebenzini ebhange kwakungu umkhonyovu okungacaci okuyinto muva labetibambile nabameleli bayo. Ngokwalo mthombo, cishe ukuze umlamuli, mayelana nomsebenzi eziyinqaba "RosinterBanka" amahemuhemu ezihlukahlukene kwakumelwe ingaziki. Nokho, ukuhlola ubuqiniso balo noma siphikise emaphakathi yasebhange ihlulekile iphuzu elithile. Kwabe sekuvela ukuthi, abamele Umlawuli wanquma ukuthatha phezu abameleli ashisayo yasebhange yokungathembeki.

Ukuze wenze lokhu, base bethumele wakhe indoda ababezenza umtshali wemali uyobe abavamile, ngubani yanquma ukubeka imali ku idiphozi. Ngesinye isikhathi wathi 'ayibiza ngokuthi "RosinterBank" (ikheli legatsha umbuzo, ngeshwa, alikho), wathi kwakudingeka isikhathi eside ukuba size siye kwamanye amazwe, futhi wathi mayelana ukubala inzalo.

Ngemva kwesikhathi ethile, umthombo ku-akhawunti "mishandled Cossack" kwaba uvele ukhohlwe ukuthi kukhona isamba Nth imali, ngisho noma empeleni lutho like akazange enze. Ngenxa yalokho, abameleli yebhange eside achazele abasebenzi umlamuli.

Ngesikhathi esifanayo ke olwenziwa uphenyo olunemininingwane ethe xaxa. Kusolwa ukuthi ezinye izimali emabhange, kanye amacala "Arksbankom" futhi "MOSOBLBANK" ngokusemthethweni ndawo inombolo. Kulokhu, abanikazi lezi akhawunti asikwazanga ngisho usola ke. Zonke lezi amaphuzu kombango futhi sizohlola omele abaphathi zesikhashana.