Izinkinga "MOSOBLBANK": ukubuyekeza yelayisensi. Kuzokwenzekani ebhange?

Emuva ngo-1992, ngaphansi kwegama "Vatan" e Dagestan Bank yasungulwa, okwathi ngokuhamba kwesikhathi wathenga futhi wathuthela edolobheni of Fryazino, eMoscow Region. Ngesikhathi esifanayo ke saqanjwa ngokuthi "Mosoblbank". Ngo-November 2011, i-Central Bank of the Federation uvinjelwe kuye izinyanga eziyisithupha ukuthatha ezifakwa kusukela abantu abangekho bamasheya ebhange. Kodwa kuyinto isikhungo sezezimali ecacisiwe kadokotela basindiswa. Nikunikiwe isabelo zimali ngamunye siqu ngaphandle kokuchaza kunoma ubani ukuthi kwakwenzekani enkundleni ne "MOSOBLBANK".

Qala izinkinga

Ukuthuthukisa zezimali ebhange, okuyinto yafinyelelwa sibonga izimali ephakanyiswe, yabakhanga Central Bank of Russia nase-ejensi, oqinisekisa ukuphepha imali. Ngo-January 2012, kwaqala kuqinisekiswa emikhulu, okwasiza ukuhlonza lezi amaqhinga. Ngemva kwalokho, ibhange waqhubeka ethumela imali amaklayenti, labanika omunye amazinga ezikhanga kakhulu. Ngo-2013, "Mosoblbank", ngokusho kwenye yezincwadi onegunya kunabo, wakwazi ukungena amabhange 30 nephephile.

Kodwa ekuqaleni Meyi 2014 nabezindaba libike ukuthi ama-akhawunti ahoxiswa ruble engaba yizigidi eziyizinkulungwane ezingu-60 le njongo esetshenziswa izikimu zokukhwabanisa. Naphezu kweqiniso lokuthi ukuphathwa uye bafaka icala ukuze kuvikelwe idumela lalo, inkinga nge "MOSOBLBANK" kakade seluqalile. Ngomhla ka-May 19, yabe seyaziwa ngokuthi Central Bank wanquma isidingo kokungenela ezindabeni ebhange. Kakade 21 enyangeni efanayo, kwanqunywa ukuba ukuqhuba inqubo yayo yokutakula.

dlula unswinyo

Emuva ngasekuqaleni 2013 'MOSOBLBANK "myalelo kukhawulwe imisebenzi - kwakungenakwenzeka ukuvula amahhovisi amasha izinyanga ezintathu, futhi imisebenzi nabantu ngokomzimba, futhi imali lwalulinganiselwe izinyanga eziyisithupha. Naphezu kwakho konke lokhu, abaphathi besikhungo zezimali omisiwe bethole indlela ekhethekile ngawo ezimbili zokubala okwenzeka, kwakukhona amabili parallel-balance sheet. Okusho ukuthi, yonke imisebenzi obafihlile Central Bank, "MOSOBLBANK" izinkinga Russian isikhathi eside ephethwe ukufihla.

Ngenxa yalokhu inkampani zezimali wakwazi ukuheha abantu kusuka kuma-akhawunti abo kwezigidi eziyizi-100. Nokho, kuphela 1/5 of the kubonakala imibiko olunikezwa leli nani. Ukuze uqonde lapho izimali ezisele, kuba cishe kungenakwenzeka. Imali etshalwe izinkampani Umbuso indawo, imitholampilo, amabhizinisi ahlukahlukene. Ibhange kwadingeka cishe izinkulungwane 70 sq. M. amamitha ingcebo enhloko-dolobha kanye nezifunda, iziza enkulu yezwe, izindlu enkabeni yedolobha.

Izizathu nokuvuselelwa

Abaningi ngesikhathi wacabanga ukuthi akunandaba mqondo ukuqaqa zonke izinkinga "MOSOBLBANK" lula kakhulu ukubuyisa ilayisensi yakhe. Kodwa abanikazi isikhungo ukubeka imali eyebiwa amafa yokuthi kunzima ukuwenza asebenze. Agency, elibhekene nomse- ukubuya imali abantu, kwakuyodingeka abuyele le emabhange isamba kahle esikhulu in ruble - izigidi eziyizi-100, futhi ukuze sivale lapho sisilela kunzima ukwazi.

Yingakho izimali imali, kwanqunywa ukuthi kungcono sanitize "Mosoblbank". Ukuhoxiswa kwelayisensi wayengakwazi ukuxazulula zonke izinkinga. Kodwa kule nqubo ukuthuthukisa ukuphathwa ziyadingeka ukubuyisela asethi ukulinganisela kwangempela.

inqubo nokuvuselelwa

Ngu isinqumo we Central Bank of Russian inqubo yokutakula zikhathazeke izikhungo zezimali kufanele ukubhekana nazo 'SMP Bank ". Uyobizwa abhanqiwe nge ejensi ehilelekile umshwalense idiphozi. By endleleni, "SMP Bank" azinikwa ecacisiwe inkampani zezimali hhayi kuphela, kodwa futhi 'Inresbank "futhi" Ezezimali Business Bank ". Abanikazi zonke lezi izikhungo kwaba Malczewski umndeni.

Ukuze afeze izinqubo zokutakula "SMP Bank", elingelakwaJuda abazalwane Rothenberg, ukwabiwa kuhlelwe wesikweletu ngu 98,6 bhiliyoni ruble Russian isikhathi esiyiminyaka eyishumi. Ngokusho CBR ukuhlela zonke izinkinga "MOSOBLBANK" wayenqume ukuqala emva "SMP Bank" kuyoba inombolo ezanele lamasheya ukwenza izinqumo ezisemqoka.

Yiqiniso, kulesi sibhedlela ungathanda ukubona zezimali yebhange ekuqaleni inqubo yokutakula kwakungcono ngoba ibhange kwaba omningi izikweletu kanye amafa ngabazeka, ukubaluleka abaningi babo kwenzakala kakhulu. Kodwa, ngakolunye uhlangothi, "SMP Bank" abangu iziqinisekiso ezibhaliwe kwabanye bamasheya yangaphambili "MOSOBLBANK" khona impahla yabo, okungase imbozwe ingxenye izibopho.

Isiphetho amakhasimende

Yiqiniso, ukufunda izinkinga, abatshalizimali ithoma ukumangala kobana eyokwenzeka "MOSOBLBANK". Ukutshala i-senzalo ezikhangayo, baqala ukwesaba ukuthi abakwazi ukubuyela ezifakwa yabo. Abaningi bakhathazekile bamasheya yokugcina yosuku baba. Uma uvula abasebenzi ebhange owawuyidinga wathi ufuna ukuthenga amasheya isikhungo ngaphansi kohlelo ngabe athengiswe azungeze 3% wezindleko. Futhi-97% ephethwe "SMP Bank". Izakhamizi wesaba kakhulu yokuthi akekho ukuba ahlenge amasheya athengwe abantu zemvelo.

Kodwa izimali ezejwayelekile nesizathu ukukhathazeka. Izinkinga "MOSOBLBANK" kancane kancane ixazululwe, izinkokhelo ku isikhungo sezezimali sekuqalile kakade.

umsebenzi Imisa

Isizathu esiyinhloko okuyinto amakhasimende banesithakazelo kulokho kwenzekani "MOSOBLBANK" kwaba ukumiswa okwesikhashana kwenkokhelo kanye Ukukhishwa idiphozi. Nokho, akuzange kuhlale isikhathi eside, kakade ebambe uqalisiwe imisebenzi ngoJuni. Nokho, amakhasimende amaningi uhlangabezana ngokungadingekile ngenxa yokuvalwa eziningi emahhovisi ibhethri. Kungakhathaliseki kulokho uMnyango ebhange wavulwa umnikelo, imali izobuyiselwa ezithintekile okunamathiselwe amayunithi.

Ngaphezu kwalokho, iklayenti akufanele uhlupho izinkinga "MOSOBLBANK", bangakhetha ehhovisi ezifanele kubo (noma kumele ibe phakathi egatsheni elifanayo). Esinye nesinye isakhamuzi isicelo zingashintsha endaweni enkonzweni yabo.

imisebenzi Regulations

Kuhlelwa umhlangano okhethekile ukuze lakhiwe ngokuba ukuzinza we sibhedlela, okuyinto kufanele aqondiswe "Mosoblbank". I namuhla inkinga Yiqiniso, asekhona, kodwa inqubo yokutakula izohlala le yinkampani yezezimali emakethe. Ibhange kwethulwa isimiso somsebenzi ekhethekile, okuyinto ubeka kanjani futhi kulokho amanani inganikelwa imali emabhange.

Ngenxa inqubo kuvunyelwane yokukhipha ezifakwa kusengaphambili futhi ilinganisele usayizi ekukhokhweni ukuphathwa nsuku zonke ufuna ukuvimbela uvalo ungavumeli izakhamuzi ahoxise wonke izimali kuma-akhawunti abo. Futhi ebhange elinezinkathazo ezibekwe uhlu kwemibhalo kuhanjiswe ukukhokha. Ngakho uhulumeni ufuna ukuvikela kulawulwa inhlangano yezimali ekumangalelweni kungenzeka abantu abonakele abafuna ukusizakala lesisimo esibucayi, okuyinto manje iwuMnyuziyamu "Mosoblbank". Izinkinga ngo-2014 okuxoxwe abaningi, ngoba isiyonke it has ezingaphezu kuka-300 eziyinkulungwane. Zimali.

Inqubo nokuthola izimali

Zesikhashana "MOSOBLBANK" manual uthi le mali izokhokhwa ngokheshe amatafula lamahhovisi ngosuku olufanayo. Kodwa umkhuba kuvela ukuthi inkokhelo kungcono ukushiya isicelo futhi uyavuma kusengaphambili inani nosuku irisidi. Ebusuku ungathola hhayi ningi than ayizinkulungwane 100. Amanani Okukhulu uzokhokhelwa in izitolimende.

Ukuze inkokhelo ruble ngesilinganiso kuze kufinyelele ayizinkulungwane 100. Enough ukwethula i-passport. Ukuze uthole imali okweqa lomkhawulo, kufanele uhlinzeke inkontileka sokuqala, okwakubekelwa esiphethwe ibhange, futhi imibhalo ezingaba ukuqinisekisa ukwethulwa imali. Kodwa endabeni yakhe, uma ikhasimende efisa ukuhoxisa ezingaphezu kuka-700 eziyinkulungwane. Kusukela akhawunti ebhange, khona-ke kubalulekile ukulungiselela yonke imibhalo achazwe ngenhla, isicelo futhi uzilungiselele ulinde izinsuku ezimbalwa. Ungakhathazeki ngalokho okuzokwenzeka kubantu "MOSOBLBANK" futhi acabange ukuthi kungani akukuniki lonke umnikelo ngesikhathi. eshisiwe banikwa kancane kancane, irisidi yemali ngokugcwele kuyodingeka ukuza izikhathi yasebhange eziningana.

Izici yomsebenzi ngesikhathi esibucayi

Sikhishwe yokuthi Central Bank wenze isinqumo nokuvulwa wathi isikhungo sezezimali, amakhasimende bayaqhubeka ngenkuthalo ukusebenzisa ibhange. Ngenhlanhla sanatoriums, abantu abaningi abanaso sinqotshwe ukwesaba hhayi baba erhabekileko ukuphula isivumelwano idiphozi, ngaleyo ndlela eziya ziba zimbi isimo lapho "Mosoblbank". Inkinga ngo-2014 akuyona kakhulu umthelela imisebenzi core. Wabuye uyaqhubeka ukuheha ezifakwa kusuka abantu, Nokho, zenzalo zayo zishintshwe nguhulumeni omusha ukuze wehlise. Futhi ngo-June wasungula ikhomishana sokwamukela Izinsiza izinkokhelo yomphakathi e inani 1%.

Okwamanje, ukubolekisa ikhishelwa ngabanye, futhi banikezwa 35% ukwanda phezu Juni 2014 kuka esikhathini esifanayo ngonyaka odlule. Nokho, Ukukhishwa ayeyiboleke izinhlangano ezingokomthetho ingakamiswa kuvuselelwe, nakuba amasevisi ukuphathwa cash kwenziwe ivolumu efanayo ngaphambi kokuqala izinkinga.

Esikhathini esizayo, ekuphathweni zesikhashana ulindele ukuthi inwebe ikhasimende yayo base Ibhange "Mosoblbank". Ukuhoxiswa kwelayisensi kubo ekusekeleni yokulungiswa abanekhono akuyona kusongelwa. Ibhange uhlela ukuthuthukisa ikhwalithi amasevisi izigaba ezahlukene kokubili izinhlangano ngokomzimba futhi esemthethweni, ukuze wandise ivolumu ingqikithi ukuthengiselana ukunciphisa izindleko ezingase zivele futhi ngcono handling yayo. Kodwa ukuze bafeze inqubo ukukhokha imali eningi ukuze nezinye izakhiwo noma ekubumbaneni namanye amabhange sihlelelwe.