SKB: Izibuyekezo kwabasebenzi kanye namakhasimende

Namuhla sikhuluma omunye amabhange lesifunda ngobukhulu. Ukuze enembile, kuba yesibili kule simo ukubaluleka amafa lesikhungo, nesebenzela ikakhulukazi Sverdlovsk esifundeni. Ngaphezu kwalokho, kucatshangelwa ngokucacile ngokwebalazwe, SKB, ukubuyekezwa okuzokwenziwa echazwe lapha, kubhekwa isikhungo ngokwanele ezidumile esifundeni Ural.

Kulesi sihloko sichaza ebhange, kuyoba ukuchaza imikhiqizo ethandwa kakhulu, kodwa futhi ukunikeza inethiwekhi ezitholakala impendulo evela kumakhasimende kanye kubasebenzi.

ulwazi olujwayelekile

Asiqale ezinezici asebhange, incazelo yalo jikelele. eyilunga ngokuvumelana nokwaziswa kusuka bamasheya, 98% ngo-Billionaire Dmitry Pumpyansky (share esisele usezandleni kwezinkolo ezincane zimali). Lokhu kufakazelwa iqiniso lokuthi ibhange inikeza ngamasevisi izibalo Pipe Metallurgical Inkampani, esiyinyama esilawulwa umuntu ofanayo.

Nokho, uma sibheka izimbangela uxhaso lesikhungo, siphawula share sengonyama, ezihlobene imali. Mhlawumbe, kule ndawo isehlane njengento yokuqala.

Uma sibheka umlando, yasungulwa ngo-1990, kodwa ngaleso sikhathi kwaba AgropromBank legatsha, kodwa kamuva kabusha kuya ku- "Bank of Ukusekela Commerce and Business." Kukulo muzi lapho kwaba khona ukuncishiswa, esikubheka namuhla. Kuze 2013, ibhange basukile isandla iye kwesinye ize eyathengwa ngu iqembu eliholwa Pumpyanskiy.

Ukuze siqonde Ububanzi bemisebenzi, kufanele sibheke izibalo ezilandelayo: SKB-Bank (abasebenzi libuyekeza it kungaqinisekiswa) liqukethe ezingaphansi eziyisikhombisa ezisebenza e Moscow, eKhabarovsk, Vologda, Udmurtia, Volgograd, Ryazan-Omsk. Sekukonke, ukusungulwa sehlukaniswe Amahhovisi ukulawula 69 kanye 108 ezisebenza. Ukuze kube lula of ukusebenza namaklayenti , ibhange inenethiwekhi terminals (cishe 200 imishini emadolobheni ahlukene), futhi cishe 600 ATM. Uma ufunda le ozinikele JSC "SKB-Bank" libuyekeza ubhoko echelons ukuphathwa ephakeme, kungatholakala amakhadi asebhange ezingaphezu kuka izigidi ezingu-2.3 serviced. Ezinye zalezi idatha ziqinisekiswa ebhange.

amasevisi Siqu

I website esemthethweni ye-isikhungo has lonke ongakhetha section elalinikezelwe ngoba abantu. Uma usohambeni kuwo, ungafunda mayelana classical yasebhange isethi - ukubolekisa, imali kanye nezinye izinketho. Njengoba kufakazelwa echaza ikhasimende impendulo SKB, nenqubomgomo Imininingwane lesikhungo ilula - konke oyithandayo, ungakwazi noma ufunde bebodwa, noma okunye cela abameleli isikhungo. Mayelana nanoma yiluphi ulwazi efihliwe ukuthi uyobeka umuntu kusimo, asikwazanga ukuthola lutho. Ngakho, obala izimo futhi ukutholakala kolwazi asikwazi kodwa jabulani.

nokubonga

Ngezinye isikhungo efana SKB-Bank (ukubuyekezwa kwe-credits kungatholakala ngaphandle kobunzima), kunamabandla angu-8 imikhiqizo ngokunikeza imali kumakhasimende yangasese. Ngaphezu Ukukhetha kwabo iklayenti izosebenzisa umklami ekhethekile, lapho udinga ukucacisa lemali oyifunayo imalimboleko, imigomo nemibandela ye-reception yayo.

Ngokwesibonelo, umkhiqizo enemisebenzi kakhulu kuba "Ngoba konke," lapho umsebenzisi anganikeza ruble 51 kwezigidi ezingu ayizinkulungwane 1.8 ngekwetinhloso letehlukene. Kuzoqalwa nge-inani ruble ayizigidi 180, ebhange kuzodinga umboleki ukuthi isitatimende engenayo. Ngalo, inani lenzalo ngifinyelele ezingeni 18 ukuze 30,9%, kanti ngaphandle kwalo ikhasimende bangathembela 34,9% ngonyaka.

Ngaphezu kwalokho, kukhona futhi ethulwa ongakhetha ezifana ikhadi lesikweletu (nomkhawulo kuze kube ama-ruble ayizigidi 300, esinikela imali emuva), izinhlobo ezintathu izinhlelo mortgage (into yesibili, iqhaza isimo, kanye ukuthengwa izindlu eziyinkimbinkimbi "Roshinsky"), loan abanikazi of amakhadi asebhange esikhishwa futhi wakhonza isikhungo ezifana SKB (izibuyekezo basikisela ukuthi leli cebo kuyinto ngokuya sasivumela evumayo), njalo njalo. Njengoba ubona, iqoqo amathuluzi ukusebenza namaklayenti yangasese abolekise, ibhange ubanzi kakhulu. Futhi lapha, isibonelo, okuholela ukusungulwa ngokuthi SKB-Bank Credit (izibuyekezo izoqinisekisa lokhu) kungaba yithuba elihle kakhulu ukuba enze izindlu ethengekayo.

ezifakwa

I Kungashiwo okufanayo mayelana iqoqo iminikelo evumela wonke umuntu ukuze ithole ingeniso ethe kusukela nokubekwa izimali zabo ezikuleyo ndawo. Ngakho, njengoba kubhalwa lesi sihloko siye sabona izinhlelo ezinkulu 4, lapho ukukhangana zezimali.

Ethandwa kakhulu babo, okuyinto ligqugquzela le SKB-Bank, - okomnikelo "lucky uhlamvu lwemali". Izibuyekezo walibiza umkhiqizo nezimo kakhulu futhi enza izinto ezihlukahlukene, kusukela nemigomo yalo zikuvumela ukuvula umnikelo ngohlobo ezintathu, ingxenye ukuhoxisa kwesikhathi ngaphandle ukungasathandi. Unyaka wokuqala zimali yenza inzuzo ezingeni 10.5%, kulandele 2, ibhange okhokhela 3 per cent ngonyaka.

Ungase futhi uvule idiphozi, okuvumela ukuba bahlanganyele esiza abantulayo, impesheni idiphozi (8% ukubuya), umkhiqizo "akhawunti Kuyasebenza" ukuze bakwazi ukuhoxisa unaphakade izimali (7% isivuno). Enjalo inikeza amakhasimende ezifakwa yayo Bank "SKB". Izibuyekezo lolu instrument yezimali njengethuba elihle ukwandisa imali yabo.

ezinye izinketho

Ukuze ukhululeke kangcono ukusebenza nekhasimende yasebhange umenyiwe ukusebenzisa omunye amasevisi angeziwe. Ikakhulukazi, isevisi yasebhange mobile ( "Bank-on-the-go"), i-inthanethi ukuze imisebenzi yasebhange ( "ebhange-on-kusofa"), Imali ethunyelwe uhlelo Begom. Kanye nokwengezwa VIP-amaklayenti ngamasevisi Elite-yasebhange, lapho ihlelwe inkonzo komuntu siqu. Ukuze amakhasimende abavamile, iBhange inikeza umsebenzi SMS ekwazisa mayelana zonke akhawunti zokukhokhelwa.

Amasevisi kwebhizinisi yenkampani amakhasimende

Ngaphezu nokuxhumana yangasese abasebenzisi ebhange okungukuthi zokusebenza futhi nge abamele amabhizinisi (osomabhizinisi kanye nezinkampani). Kubo, inthanethi izikhungo SCB Bank (izibuyekezo bangakufakazela ukuba lokhu) enikeziwe ezimbili okuhambisanayo amathebhu. Ukuchofoza ke, ikhasimende uthola lonke ulwazi olufanele mayelana inkonzo yakhe sikhungo.

nokubonga

Omunye ethandwa kakhulu inkonzo wokuboleka - obolekisayo. kokukhipha ukubolekisa uhlelo esimweni osomabhizinisi kanye nezinkampani zihlukile eboniswa ku umsebenzi ikhasi nabantu. Ikakhulukazi, kukhona ezine uhlelo lapho kukhona kwezimo ezihluke kakhulu umsebenzi nge iklayenti. Ngokwesibonelo, uhlelo "ukukhula Esitebeleni" umboleki ungathola ruble 10 million isikhathi 12, 24 noma 36 izinyanga ongakhetha kuzo. Ukuze yena, kuzodingeka ukuba ahlinzeke eseduze e inani ezingekho ngaphansi kuka-50% lemali mboleko. Kukhona imfuneko ngokuphathelene isikhathi umsebenzi yebhizinisi loan senziwa. Umsebenzi umboleki akuyikuba esingaphansi kwezinyanga ezingu-12. I siqala senzalo kusuka 13% futhi kwanda kuye ngokuthi izindlela zizonikezwa loan. Ngokusho ukusungulwa Izibuyekezo SKB-Bank mayelana nokubonga kwesokunxele amakhasimende nazi izimo batjhuguluka lula ukuthi ungakwazi ukuzivumelanisa okulindele.

ezifakwa

Ukuze zomthetho izinhlangano kanye osomabhizinisi okungukuthi iyatholakala ithuba ukwakheka iminikelo esizayo dolobha ukwanda. izimo zalokho inani lenzalo ezihlinzekwa ebhange amakhasimende ayo, isayithi ayicacisiwe ngoba kuxhomeke ezicini eziningi, ezifana lemali idiphozi, isikhathi ukubekwa kwakhe, nokunye okunjalo. Ngakho-ke, nokuxhumana nezikhungo nabanye inkampani eyenziwa ngabanye esimweni ngasinye, kungakapheli unikezwa uhlelo idiphozi. Lesi sakamuva singabangela zihlanganisa kokubili umnikelo eside futhi ukwabiwa kwezimali ukuthi ngenkathi esukela ku usuku 1 (isibonelo, inkathi okukhipha).

Njengoba elinye ithuba ezifakwa kuwebhusayithi yebhange uchaza izikweletu isihlengo.

amaphrojekthi Salary

Ukuze uthole umsebenzi ngokunethezeka SKR-Bank inikeza amakhasimende ayo ukwakha iphrojekthi ekhethekile iholo. Phakathi nohlaka yayo kungaba kuhlinzekwe ekwakhiweni amakhadi asebhange abasebenzi kanye nokusungulwa eminye kohlelo lezinkokhelo kubo. Lokhu, njengoba kushiwo ku-website yebhange, kuyindlela elula, inzuzo futhi ephephile ukuze uthumele izimali inqwaba abasebenzi ngaphandle kokulibala futhi ibuphi ubunzima.

Ngaphezu nenzuzo ngokubambisana neNhlangano umqashi, iBhange izipesheli futhi eziningi ongakhetha abasebenzi-abanikazi bamakhadi. Ngokwesibonelo, kungase kokunika amandla ukukhipha ukubolekisa ku enezimo ezingcono ukuze uhlelo lula.

RKO

Uma sicabangela SKB-Bank (2015, lobuya yenkampani amakhasimende), ungabona futhi ulwazi ukuziphatha yemali ukuphathwa amasevisi. Lokhu, njengoba wazi, omunye imisebenzi izikhungo nemisebenzi ngabanye ukuze osomabhizinisi kanye namabhizinisi amancane.

IBhange ngaphansi kwalesi kokhetho kuvula akhawunti okuyiwona uqhuba zonke eminye imisebenzi (ukukhishwa eqinisekisiwe amakhophi amadokhumende ku kuye, imibiko kuhanjiswe uhulumeni ezilawulayo, ulwazi nge-SMS, ukufinyelela intanethi, njll). Inkokhelo eyodwa yawo wonke le misebenzi kuyinto ruble 500.

iziqinisekiso yasebhange

Enye inkonzo ngoba kumakhasimende ezinkampani inkinga isiqinisekiso. Lokhu kungaba njengoba isiqinisekiso ngoba inkontileka, kanye namasiko isiqinisekiso noma ukuphepha imbuyiselo. Kule ndawo, SKB-Bank (izibuyekezo zamakhasimende siliqinisekise) ihlinzeka amathuluzi anhlobonhlobo, imininingwane ezikhonjiswayo kwiwebhusayithi isikhungo.

Izibuyekezo kwekhasimende

Eqinisweni, uma sicabangela izici yasebhange ozinikele amakhasimende kwesokunxele ungathola eziningi ezingezinhle. Uma sihlaziya kakhulu kuzo, uzophawula imibono labo awanelisekile ne migomo noma eminye imikhiqizo. Lena evamile inqubo, ezifana isimo okungukuthi, njengoba singabona kulokho abakuzwa ngokuqondene, ezikhathini eziningi esivuna iklayenti.

Nokho, ukuze ziphathelene ezifana inkambo izenzakalo okungukuthi kakhulu lula - nje kusengaphambili ukuba wokufundwayo wonke amadokhumenti olunikezwa yasebhange futhi yokuthola zonke izimo ngaphansi kwayo intando abambisane ejensi.

abasebenzi lezivakashi

Ukuze uqonde ukuthi ibhange uzodinga futhi ukubhekana futhi izibuyekezo kwesokunxele ngabasebenzi. Abaningi babo negative, kodwa kukhona labo lapho kukhona isimo esivumela ukusebenza. Lokhu kungokwemvelo, ngoba abantu benelisekile, abakwazi siqale ukuba kumasayithi ngezibuyekezo on inetha - ngakho ukwenza ikakhulu labo abasebenzi abangafuni ngayo.

Umsebenzi SKB ebhange, okuyinto libuyekeza sasifuna, akulula - abanye bathi kukhona kudingeka ngempela ukwenza okuningi umzamo. Noma kunjalo, imiholo kuyoba lifanele impela ngemizamo yabo. Okungenani, lokhu kuqinisekiswa abasebenzi efanayo.

Ziningi amazwana mayelana lokuthi abasebenzi kulesi sakhiwo ithole ezimbi (noma ngandlela-thile ibange inkathazo) abaphathi. Nokho, kuzo zonke lezi zimo, kuyaqondakala ukuthi isizathu akuyona inqubomgomo jikelele lesikhungo, kanye nesikhundla nangesimo sengqondo yomuntu. Njengoba abantu abangaba yizinkulungwane ezingu 3.6 bayingxenye ukusungulwa isimo, ngokuthi SKB, abasebenzi bangempela, esekelwe izindaba lapho okona, bheka sina. Futhi kulula ukwenza ngokwakho ngokubheka ukubuyekezwa.

isiphetho

Thatha stock zalesi yasebhange ngangokunokwenzeka, ikhumbula izinkomba impumelelo yayo nokuthi uluhlobo luni imiphumela eye emakethe kwezohwebo. Njengoba lena yesibili ngobukhulu amafa yasebhange esifundeni, okuyinto has emahhovisi e-dolobha futhi njalo ukwandisa ingxenye yayo ingxenye ethile yebhizinisi, ungakwazi ukukumaka ukusebenza kuphela ohlangothini oluhle.