"Baltic Bank": nezinkinga "Central Bank" (2014)

"Baltic Bank" - omunye omdala izikhungo commercial, waqala umsebenzi wayo endaweni we Russian Federation ngo-1989, ngemva kokuthola ilayisensi efanele kusukela Bank of Russia. Ukuthembeka kanye nobuchwepheshe ezingeni iqhaza ubonisa isikhungo sezezimali e uhlelo umshwalense idiphozi nomphakathi SWIFT. Kodwa akunjalo kudala, kunobufakazi bokuthi kukhona izinkinga ngesikhathi "Baltic Bank" ne Central Bank.

Umlando yentuthuko

Leningrad Ukuqamba Commercial Bank saqanjwa ngokuthi "Baltic" ezinyangeni ezimbalwa emva inhlangano. Ngemva kweminyaka emine, wathola ilayisensi yokuqhuba ukuthengiselana izimali zakwamanye amazwe futhi wajoyina SWIFT. Ngo-1994 waqala ukusebenza izinsimbi eziyigugu, udaba amakhadi Mastercard. Ngesikhathi esifanayo, kwakunabanye ababaleki ezikhumulweni nokuthola amakhadi. Umkhankaso uhlelo ukungena kokukude akhawunti. Ngemva konyaka, ibhange baqala ukunikela ukwamukelwa credits futhi iqalise kuqala ibhuku.

Ngo-1997 kwafika ATM lokuqala "Baltic Bank", kwaba uhlelo lezinkokhelo cashless, kanye umkhankaso yokukhokha amasevisi ishayise. Uhlelo of indlu namakhadi imoto ukubolekisa laqanjwa ngemva kweminyaka emibili. Ngo-2000, amakhadi kuqala engunyaza Visa Electron, Gold, Ibhizinisi Classic. Ngemuva lasebhange waqala ngokukhipha credit cards. "Baltic" waba ilungu ohlelweni lokukhokha "Golden Umqhele".

Ngu 2010, uhla kwezinkonzo ezingokwezimali zihlanganisa: ezifakwa lwemali kazwelonke angaphandle, ukuqaliswa esikweletu yokukhokha amakhadi, ukubolekisa izinjongo ezihlukahlukene, ama-akhawunti ukuvulwa kanye nokugcina, imali Ukudluliselwa, kuhlanganise uhlelo Western Union, izinkokhelo, ukuthengiselana ne Central Bank, ephephile idiphozi ibhokisi sokuqasha, nokunye.

Imiphumela

Eminyakeni wokusebenza 24 ebhange atholwe kwezigidi ezingu 18,000 ezinkampani 2.5 amakhasimende yangasese, uye wazakhela inethiwekhi amahhovisi emadolobheni 31 Russian Federation, ikhiphe amakhadi epulasitiki ezingaphezu kuka-1.3 million futhi efakwe nengxenye ayizinkulungwane ATM. Ukubambisana ne UNION WESTERN, MasterCard kanye Visa International nomthelela ekuthuthukiseni inhlangano yezimali. Ngo-2012, lesi sikhungo credit senzeka 66th ngokuya amafa net, 13 ngenani amakhadi epulasitiki kanye ATM.

"Baltic Bank": izinkinga

20.08.2014 Central Bank yamemezela ukwethulwa ngesimiso sokuqondisa zesikhashana kuleli "Baltic". Lokhu umsebenzi waphathiswa the "Agency Strass ezifakwa" isikhathi esingaphezu kwezinyanga eziyisithupha. Ngaphansi kohlelo, DIA, ukuze silondoloze zezimali ibhange uzobe oxhaswe ruble 10 bhiliyoni phakathi nonyaka. Ukulawula inqubo yokutakula wenziwa DIA. Esikhathini esizayo esiseduze okufanele akhethe ekhaya lasebekhulile.

muva nje bati isinqumo senkantolo ukulamula umbango kokuxoshwa yebhange kusukela isakhiwo. Igama elithi ka sokuqasha emagcekeni aphelelwe isikhathi ngo-May 2013. Amaphepha isayinwe "Federal Property Management Agency" ngo-2004. Isiqashi - "Baltic Bank" (Petersburg). Inkinga yekutfutfwa kwemangcoliso kubhebhezelwa kudideka okungaphakathi kwabanikazi bamasheya. Ngokusho isayithi, amafa lenhlangano yezezimali okungewakho umengameli wayo u-Oleg Shigaev, LLC "Baltic Trade House" (I-49,877%) no-Elena Prokhorenko (0.13%). Ngaphezu konyaka odlule kwakukhona amahemuhemu ukuthi ibhange ufuna ukuthengisa. Kodwa bamasheya ayengakwazi ukuvumelana kunani. Ukuxazulula ukungezwani kwawo baya enkantolo.

Imininingwane engeziwe mayelana ukuthuthwa kwendle

Ngokusho abahlaziyi, inani Central Bank unikezele ngenxa yokuthola, mncane kakhulu, ngakho emgqeni akanayo ukulinda sibhedlela. Kusukela izimali zabo, "Bank of Russia" sizonikeza loan ruble 10 bhiliyoni, kuyilapho Umlawuli has ukuthola i zimali ukuze nokuvulwa isikhungo credit. Kodwa ukuvela izinsolo imisebenzi badlale inhlangano yezimali onamafa saba sibi kakhulu isimo. Uma ulwazi kuqinisekisiwe, idatha izodluliselwa ukuze abomthetho. Kuze kube manje, ibhange liqhubeka ukusebenza, ukuhlinzeka uhla egcwele amasevisi ngaphandle kokulibala futhi bethukile.

Izinkinga "Baltic Bank" ngenxa inani elikhulu "non-ukusebenza" amafa. Lokhu kuye kwaholela zezimali ingozi. Masheya futhi abaphathi akakwazi ukulawula inani ruble ezingaphezu kwezigidi eziyizinkulungwane ezingu-40. Lesi simo, ngakolunye uhlangothi, kubangela izinkinga zezimali, futhi ngakolunye - kwenza kube nokwenzeka ukuheha abatshalizimali entsha kuya "Baltic Bank".

Izinkinga Central Bank ngenxa yokuthi ukuthi isikhungo sezezimali kwakungelona credit isilinganiso esisodwa muva nje. Akukona ukugcina izimali yesifunda engxenyeni kahulumeni. Ekupheleni konyaka odlule, "Isazi RA" uye kwehlisa isilinganiso yebhange ngenxa ongaphakeme dolobha okungu kanye nenani elikhulu ama-akhawunti atholakalayo.

Izinto Ezithiya yokutakula

Ngokusho Interfax, 69 ngokuya amafa ithatha "Baltic Bank". Izinkinga zingase ziphakame ngo-2014 ngesikhathi inqubo yokutakula. Encwadini sesikweletu ezinkulu kungenzeka izibopho entsha. Enkulukazi ingxenye amafa wayehlobene ongumnikazi webhizinisi. Ngakho-ke, abafisa sanitize kancane embizeni. Inani esiqondile amafa exhunyiwe empeleni iyokwaziwa ngisho imiphumela umsebenzi DIA. Kodwa kukhona ezinye ubufakazi manje. Ibhange inemali kulesi sikhundla sokuba isithenjwa esimele for ingqikithi ruble 4.6 billion. Inani emakethe iningi labo iseduze zero. Ingcenye eqakathekileko yomsebenzi ngemali yalo iphothifoliyo - ruble 18,7 bhiliyoni - ngeke ibuyiselwe. Ngokusemthethweni, i- "Baltic" lithole inzuzo izinyanga ezintathu 2014. Kodwa uma senza ukhupha kusukela leli nani kubanikazi bamasheya izipho imali emafeni wathola mahhala, imbuyiselo liphenduka ukulahlekelwa. Abazobhapathizwa esiyinhloko indima kulesi sibhedlela - "Alfa-Bank" futhi "Ukuphila".

okubi kakhulu ukuthi lesi simo siyaphuthuma

Esinye isithiyo endleleni ekululameni - ongenakulinganisela iphothifoliyo. Bank ephakanyiswe izimali ngokusebenzisa imali ezibizayo. Kodwa akukho lutho ukubuyela kubo. engenayo ephansi Amafa "Baltic". umugqa oyinhloko isinyathelo namuhla - ukunikeza imali ukuze izinhlangano ezingokomthetho futhi izimali ingcebo.

Ezinyangeni eziyisithupha ezidlule, ibhange central uvinjelwe isikhungo sezezimali ukuthatha ezifakwa esidlangalaleni. Abameli engakaze yokutholwa. Ngenxa yalokho, ngo-June, kwabikwa ukubambezeleka yokukhokha. "Baltic" kuchaza kusimo kancane imali. Namuhla kusayithi "Bank of Russia" ulwazi ukuhambisana isikhungo sezezimali izidingo zezimali bengekho.

"Baltic Bank": izinkinga ikhasimende

Ngemva imibiko ngezinkinga abantu babaleka ukuze zikhiphe imali akhawunti. Lokhu kungase asithinti solvency we isikhungo sezezimali. Amakhasimende - ngisho phambi kwabo bonke imibhalo edingekayo - ayikwazanga ukususa ezifakwa ngendlela kuhlelwe. Ingasaphathwa ekunqanyulweni ekuqaleni yesivumelwano.

Eshumini leminyaka elidlule, izinga lenkonzo cishe alishintshanga. Ukuze uvule idiphozi ebhange, ikhasimende kufanele kuqala bajwayelane eziningi imikhawulo. Okokuqala, imali enkulu ngokuqedwa kwesivumelwano ngaphambi kwesikhathi yesivumelwano. Okwesibili, uyasho ukuthi akhawunti kungaba nemali encane. Kugcine, futhi engaqondakali kunayo - ekupheleni kwesivumelwano ukwedlulisela izimali enye inhlangano yezimali bengayi. "Baltic Bank" inkinga ka 2014 iyachaza inqubomgomo ekuphathweni zesikhashana. Kodwa esikhathini eside ngaphambi kokuba unswinyo eziphoqelelwe ezingeni kwamakhasimende kwesokunxele okuningi okufanele oyifunayo. Ziningi-Google + ku-izinkundla uqinisekise lesi. Hhayi ukuba okungenasisekelo, sethula kuphela ezinye zazo.

Buciko imisebenzi eyisisekelo kunazo (.. Ukukhokhwa ezikweletini ngezidingo, njll) emnyangweni kuthatha isigamu sehora - ne zokuxhumana ungaphazanyiswa nemenenja futhi Cashier ebhange. Labo abafisa ukwenza izinkokhelo ngokusebenzisa intanethi ulindele ukumangala okwengeziwe ngesimo isofthiwe ezengeziwe lihambisana kuphela uhlelo lokusebenza le-Windows (hhayi mayelana iOS kanye Android bathini). Kodwa lokhu akuyona into kuqhathaniswa "umuntu" isiginesha ngamunye nesibopho sokukhokha umqondisi enhlanganweni engokomthetho. Thola isikhathi samanje izitatimende usuku - 13:00.

Inani elikhulu imisebenzi "kwangaphambilini", eziphezulu zenzalo ngesikweleti futhi inkonzo khadi ngokuzumayo ivinjiwe, amahhovisi ezingcolile, abasebenzi ezingasebenzi - izinkinga ezivamile nge "Baltic Bank", kodwa, njengoba kuvela, akulona ezibucayi kakhulu ...

ukwehluleka uhlelo

Muva nje, kuye kwaba nemibiko phezu izinkundla ekhononda lokwebiwa imali kuma-akhawunti. Amaklayenti ukuza imibiko efonini kokuhoxiswa kokuhlelwa imali inthanethi nezinsizakalo, isibonelo, "Yandex", ngaphandle kokuqinisekisa yi wekhadi. Ngisho lokulethwa ngesikhathi sesicelo emnyangweni ukuxazulula inkinga. Imali ibuyiselwe ku-akhawunti ngeke. Yiqiniso, ukwebiwa imali ku-akhawunti ye-iklayenti kukhona iwayini. Akubalulekile waphinda ukushiya ku angaphandle idatha ehlobene kumephu yakho. Kodwa namuhla, zonke yasebhange self-ukuhlonipha okungenani bayofaka imikhawulo ekusebenziseni non-cash ukuthengiselana nge-Internet, kanye esiphezulu - I-yokudonswa ngakunye ngiyolindela isiqinisekiso SMS kusuka iklayenti.

I izinkundla bavame ukuba babuthane izikhalazo amakhasimende 'ukushintsha izinqumo abolekise ngomzuzu wokugcina. "Baltic Bank" kuchaza izinkinga kahle ohlelweni. Akwaziwa izibonelo lapho kwamahora ambalwa ngemva kokufaka loan ocingweni iklayenti emuva kusuka ebhange futhi wacelwa ukuba ehovisi ekucubunguleni imibhalo. Kodwa uMnyango uthe ukwehluleka kohlelo kwaholela isiqinisekiso yokuphambuka isicelo. Amazwana ...

isifinyezo

Ngakho, kwesinye isikhungo credit, bakhubeka phansi "ukuhlanzwa" of Central Bank - "Baltic Bank". Izinkinga Central Bank ngenxa inani elikhulu izimpahla esebenzisana nayo. Lokhu inkinga DIA. Mhlawumbe, uma zingaxazululwa omuhle, kubatshali bezimali abasha ayathanda ukuthuthukisa isevisi. Phakathi ukuba khona 'Baltic Bank "yezinkinga ezihambisana izinga abampofu inkonzo, futhi ayikwazanga ukuxazulula bebodwa.