IzimaliAmabhange

"Zlatobank": ukubuyekezwa. "Zlatobank" uvala?

"Zlatobank" ngezibuyekezo umthunzi ezinhle okuyinto manje kunzima ukuthola ngenxa ucabanga yayo, waqala nomlando wayo ngo-2008. Yena onguchwepheshe ukuhlinzeka usizo lwezimali ukuze abantu nezinhlangano ezingokomthetho. Ngesikhathi ukuphakama umsebenzi wakhe weemali wayeyilungu le-Association of Banks Ukrainian, wayeba njengompristi ilungu agcwele SWIFT uhlelo ngokuhambisana ubukhulu capital zokulawula kanye nempahla, isikhungo bohlanga amabhange yesibili.

Masheya futhi imibiko lokugcina

Bamasheya izikhungo zezimali "Zlatobank", ukubuyekezwa zazo zigcwele intukuthelo ngokuqondene ukungabi nakwenzeka yokugcina ukuhlangabezana nezibopho zakhe zezimali LLC "Avangard-Expo" (97.94%) kanye OOO "Agrobudkonsalting" (2.6% kusengozini).

izinkomba lwezezimali for ngekota yokuqala ka-2015 zibonisa ngokucacile ukuthi isikhungo sezezimali abuzange izinkinga kuphela zezimali, kuba ezikweletini ngokuphelele. inzuzo Net ebhange zokugcina sekubika zaba -2.484.474 hryvnia. Equity isikhungo kwakulingana -1.973.642 UAH., Nakuba inani amafa zazilingana 5.877.985 USD. Lapha singakwazi ukusho inani izikweletu, okuyinto namuhla kulingana 7.851.628 USD.

Isikhalazo lokuqala

Izibuyekezo lokuqala "Zlatobank" ngendlela engafanele yaqala ukubonakala maqondana maphakathi ekwindla ka 2014. Massively wathela imibiko ebhange kwephula nemibandela idiphozi izinkontileka. Ekuqaleni, kwakukhona imibiko ukulibaziseka kokukhokhwa nokwenqaba ukubuyela dollar imali.

Kamuva ngabo zisakaze ukwaziswa bezimali ukuthi ibhange ngokuphelele wayeka elikhiphe izindlela. abantu abebengeneme akakwazanga ukuthatha imali zabo, abasebenzi asebhange kanye cishe yayingakwazi ukukhuluma ngalokho okwenzekayo ngaphakathi isikhungo sezezimali. On "Zlatobank" impendulo evela kumakhasimende intukuthelo wathela ngendathane. Abantu wakhuluma a inkonzo stop lokukhokhisa, phutha Ukudluliselwa nokulibaziseka eside kule kwabasebenzi kanye izimpesheni.

ekuphathweni lesikhashana nemizamo ukuze alungise leso simo

Ngemva nesibalo esikhulu unganelisekile ngempendulo kusuka umphakathi ngoFebhuwari 14, le NBU isivele ukhombe ukuphatha okwesikhashana. Esimisiwe njengenhloko oyisazi esihamba phambili kuleyandawo yebhange ngongakwazi ukukhokha izikweletu Slavinskiy Valery FGVFL. Administration sango sase sisebenza esikhathini kusuka Februwari 14 May 13 2015 kukonke.

Isinqumo esisemthethweni ukuthi isikhungo sezezimali "Zlatobank", ukubuyekezwa zazo ngokungabi bikho Izinkinga zezimali ayemahle kuphela, kuyinto ezikweletini, abangu ekhishwe NBU № 105 yangoNhlolanja 13. Ngesikhathi ukwethulwa ekuphathweni zesikhashana kwempahla yesikhungo babelingana ukuba 7.8 bhiliyoni hryvnia, okwakwenza kube lula ukuthola 28 isikhundla phakathi amabhange wezwe.

Lokho kwaba imfuneko ukwethulwa ngesimiso sokuqondisa zesikhashana?

On ukusungulwa "Zlatobank" lobuya abasebenzi kanye namakhasimende mihle njalo. Ngokusemthethweni, imbangela ukwethulwa ekuphathweni zesikhashana kwakungafanele yokucasukela kuphela ingxenye amakhasimende akakhohliswanga, kodwa futhi zimali ebambe imisebenzi okuyingozi, okuyinto Kwakuseshwa mhlaka-12 Febhuwari, naphezu kokuvinjelwa okuqinile ingxenye Regulator. Ukuqala nobunzima bokuqala futhi eziyimbangela yezinkinga ezizuzwa zalotshwa ekuqaleni kuka-August. Naphezu kweqiniso lokuthi ngaleso sikhathi kwakukhona izikhalazo ezivela kumakhasimende kakhulu kuyaqabukela, izinkinga ne zezimali sewutitsetse indawo. Lokhu kwaholela esinqumweni we NBU Agasti 19 ukuze ungene isakhiwo wezimali we-Institute labahluleli.

Kwamukelwa kwetinkhantolo inkinga yebhange

Isiphakamiso wokuqala ukuthi "Zlatobank" ivaliwe, kwaqala ukuvela ekuqaleni kuka-December. Lokhu kungenxa yokuthi naphezu ukwethulwa labahluleli, isimo sezimali esikhungweni baqhubeka buba bubi nakakhulu. Disemba 4, 2014 isikhungo sezezimali lithole isimo ezisemthethweni inkinga, futhi ngalesi sikhathi zonke inhlangano amaklayenti ubunzima ku ngokwabo.

Umlawuli uye phambili lo funa bamasheya ukuthuthukisa impilo fa, kodwa izinyathelo ezathathwa isikhungo sezezimali lwalungahileli izenzo okuhloswe ngayo ukwenza ngcono isimo. Ngaphezu kwalokho, ngisho uhlelo ukuthi abulawa ngaso sethulwa phambi sezimali nokusizwa kwalabo abangaboni yokugcina, futhi awuzange kwenziwe. Naphezu kwesimo samanje, yesikhwama sempesheni Ukraine umemezele ngokusemthethweni ngoJanuwari 30 ukuthi yelula athole umsebenzi enkampanini yezimali kuze April 1.

Ivaliwe ngenxa ngongakwazi ukukhokha izikweletu

Februwari 13, 2015 wathola isitatimende esemthethweni kusukela yibhange idiphozi Isikhwama ukuthi "Zlatobank" ivaliwe. Ngokusho eyanikezwa ejensi ngesikhathi sokuvalwa ecishe ibe yizinkulungwane 115 imali iye ikhishwe ku isikhungo sezezimali, umthamo isamba ezingafinyelela 4.2 bhiliyoni hryvnia. Ngaphansi yesiqinisekiso State ithole mayelana 97,4% emabhange.

Lapho ebhekene abanikazi yebhange babe Elena no-Olga Yakimenko (umama nendodakazi). Eminye imithombo olungekho emthethweni ukuthi wabhalwa ngu leonid Yurushev ubuhlobo yasebhange, njengoba kufakazelwa izenzakalo ezenzeka ngobusuku bangaphambi kuvulwa "Zlatobank". Nakuba Yurushev ethengisa yasebhange "Forum" ukuze amaJalimane, owawungumnyaka Elena Yakimenko wayesebenza esikhumulweni umphathi okuthunyelwe phezulu. Ngenxa yokuthi "Zlatobank 'Izinkinga zezimali futhi ayikwazanga anqume ukuthi ngokusemthethweni baba ibhange lesithupha e-Ukraine ngo-2015, lapho yavalwa ngenxa ngongakwazi ukukhokha izikweletu.

Yini kwenziwa imizamo ukugcina isikhungo ntanta?

Isikhwama imali yibhange phambi Mashi 2 wachitha kokuthola amaphepha abangafaka imali emabhizinisini abo, okungase ukuqinisekisa ziqu zabo. Isikhwama usukumela phezulu afune abantu abangeke bakwazi inhlangano yezimali nge emakethe kwelinye ngezindlela ezintathu:

  • kuhlukaniswa esinqunyiwe noma ephelele izimpahla emithwalweni asebhange maqondana ethola isikhungo sezezimali.
  • Ukwakheka nokudayiswa wesithathu ebhange iqembu eziyinkimbinkimbi inguqulelo nazo zonke izimpahla nezikweletu.
  • Uxhumano Bank ukudayiswa.

Ngenxa yokuthi le nqubo asiphumeleli kuze 2 Mashi, le nqubo yase ngokusemthethweni enwetshiwe izinombolo 13. Kulinganiselwa FGVFL, inani isinxephezelo kungenzeka ukulahlekelwa okulingana kwezigidi ezingu 925,47 hryvnia. Kulokhu, isamba semali ngoFebhuwari 14 hhayi kuphela idiphozi, kodwa futhi ku-akhawunti abavamile baba 3,622 bhiliyoni hryvnia.

Yini kwezibopho ibhange incwadi yokwesula emsebenzini?

uvalo IMisa phakathi amakhasimende yaqala lapho wanisa phezu "Zlatobank" impendulo evela kumakhasimende enganelisekile. Imali ningayeki, musa ukuphendula imibuzo, ngokuhamba esilandelayo isenzo akanikeli akhawunti yisevisi - ukuthi akusi konke kwakutholakala e-imibono. Kusuka yentukuthelo wachaza iqiniso lokuthi lokuqala luka-January 2015, ngisho nangaphambi kokuba yesibili ukwehla we hryvnia, ivolumu imali zazilingana 3.2 billion hryvnia. Bangaphezu kuka-81% imali ngesikhathi eyakhishwa ngo izimali zakwamanye amazwe. Njengoba kushiwo ngenhla, abatshalizimali safinyelela ayizinkulungwane 115, kodwa hhayi wonke umuntu zingalindela ukukhokha. amakhasimende ayizinkulungwane 112 kuphela, ivolumu imali ayeqi ayizinkulungwane 200 hryvnia bangalindela isinxephezelo.

Isakhiwo iminikelo uncompensated kuhlanganisiwe yasebhange metal imali, ingqikithi ezingafinyelela kwezigidi ezingama-600 hryvnia. Ngokwe NBU exchange rate inkinga akuyona esingaphansi mayelana 591 kilogram of ensimbini eyigugu. isikhungo lwezezimali wathatha ngaphansi 3% ngonyaka metal idiphozithi yanoma amagremu 50, okuyinto, ngokuhambisana nomthetho awekho ngaphansi kohlelo umshwalense isimo. Uma ukholwa ukuthi ukhuluma ngani ukusungulwa "Zlatobank" ukubuyekezwa, ezifakwa kwalesi isigaba babe ezikhanga kakhulu e-zezimali emakethe Ukraine.

Ukusulwa yelayisensi yasebhange nokuqedwa

Yezefundo "Zlatobank" Inkinga yezimali kuyingozi kakhulu. Lokhu kungenziwa yahlulelwe ngokwezenzo isinqumo NBU ngaphansi inombolo 310 ka-May 12, ukubuyisa ilayisensi sezimali. Ngaphezu kwalokho, ke wazitholela isinqumo ekuqaleni inqubo idilize.

Umbhali isinqumo kwaba isikhwama ukuphathwa imali ayiqinisekile, futhi isikhundla liquidator siye saphathiswa Valery Slavinskogo ngubani lizobamba okuthunyelwe unyaka owodwa, ngo-May 1, 2016, esibandakanya. isilawuli umlamuleli lenhlangano yezezimali namanje okungewakho Elena Yakimenko.

Qala yokukhokha isinxephezelo zimali ethintekile

Ngemva nesibalo esikhulu izicelo mayelana nalokho akusho "Zlatobank" lungapheli imali, nabatshali zimali Ekugcineni uphumule. Ngomhla ka-May 20, 2015 waqala ukukhokha amakhasimende ngokusebenzisa emahhovisi "Oschadbank." I website esemthethweni ye-Fund imali yibhange ulwazi lutholakale lapho ukukhokha kuyobe kwenziwe ngaphambi 1 Julayi 2015. Uma izimali ebhange, ngoba noma ngabe yisiphi isizathu, ningaphenduleli kwelinye Isikhwama ejenti amabhange ngoba isikhathi ngaphambi 1 Julayi, inkokhelo bayobizwa eyenziwa ngesisekelo luhlolo kwezicelo ngamanye abhalwe ikheli FGVFL kuze kube isikhathi lapho umbhalo ogciniwe ongasoze waphelelwa yimali lenhlangano yezezimali ngeke langena ngokusemthethweni ku Enobunye isimo Register of izinhlangano ezingokomthetho ezingeni.

Kusukela ngomhla ka-20 Meyi, aphethwe isinxephezelo izinkokhelo ukuba izimali yonkana ibhizinisi zezimali "Standard", kodwa kuphela ngaphansi izivumelwano, ukuba yiqiniso kwalesi okwaphela ngaphambi kuka-April 29, 2015. Okuqhubekayo yokukhokha kuya abanikazi of amakhadi epulasitiki bese abaphathi be-akhawunti ebhange. Cash ingatholakala ngokusebenzisa emahhovisi "Ukreximbank". Ukuvula komunye amagatsha abalingani Isikhwama nabo kufanele babe ipasipoti idokhumenti efakazela esabelweni inombolo yokubhaliswa ikhadi nokubhaliswa lokukhokha komunye oyedwa intela. Izinkokhelo luyenziwa ngempumelelo ngaphandle, ikhumbula zonke isithakazelo kuze kube usuku lapho kwemukelwa isinqumo NBU ukuqashelwa we isikhungo sezezimali ezikweletini. Isinxephezelo ayitholakali kuphela kulabo abafaka izimali zabo emabhange (3 million amakhasimende), inani lemali efakwayo idlula ayizinkulungwane 200 hryvnia.

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