Bank "Lights eMoscow": ukubuyekezwa. ukuthembeka ibhange "Lights eMoscow"

Commercial Bank "Lights eMoscow" waqala umsebenzi wayo phezu Insimu Russian Federation ngo-1993, lapho ethola ilayisensi yokuqhuba imisebenzi yasebhange, kwathi ngemva kweminyaka eyisikhombisa - ukuheha ezifakwa ngabanye. Izinga eliphezulu nobuchwepheshe kufakazelwa ubulungu SWIFT, Association of Russian Amabhange ARBK. Kwaphela isikhathi eside le isikhungo sezezimali ukuhlinzeka uhlu olubanzi amasevisi ukuze amabhizinisi nabantu ngabanye. Kodwa ngo-February kulonyaka, waqala unezinkinga.

Ulwazi lokuqala mayelana nezinkinga

It imemezele ukumiswa ngokwamukela esisemanzini "Lights Ngo-Ephreli nonyaka eMoscow." izinkinga Bank alichaza nobunzima bobuchwepheshe. Kwamenyezelwa ukuthi uhlelo olusha idiphozi, ngakho ezifakwa ngokwamukela kumiswe okwesikhashana. Futhi, isikhungo credit awenzanga ukuthengiselana phakathi corporations kanye nabantu. Naphezu isitatimende esemthethweni, kukhona ngisho ke Kwakunamahemuhemu okuthi izinkinga zazihlobene nokuvimbela Central Bank.

ukuhlolwa okuhleliwe of Central Bank, imiphumela okuyinto imikhawulo zabekwa kwenziwa ngo-February 2014. ruble ayizigidi ezingu-12 - esiphezulu kuvunyelwa Isamba imali ebhange "Lights eMoscow". Isilinganiselwa we sesikweletu kuze kube manje ibilokhu kakhulu. Bank ise yesibili namashumi (172 th) by amafa. Phakathi ngekota yokuqala ka-2013, wathola izigidi ezingu-142 inzuzo ngesikhathi esifanayo kulo nyaka - 57 million of ukulahlekelwa. Dubna futhi Podolsk - - ngenxa unprofitability Ngenxa yalokho, amagatsha amabili avalwa. Ngemva lo mlayezo, ukuthembeka yasebhange "Lights eMoscow" emehlweni amakhasimende amaningi kwehle kakhulu.

ukubuyekeza ilayisensi

Meyi 16, 2014 Bank of Russia wamemezela sokwesulwa amalayisensi amabili we dolobha credit izikhungo. Omunye wabo - ibhange "Lights eMoscow". Ilayisensi sihoxisiwe ngenxa yezinkinga eziphindaphindiwe ze-non-ukuhambisana lwemithetho neziqondiso. Ngesikhathi esifanayo kwamenyezelwa ukuthi iminikelo uzokhokhelwa kungakapheli May 27. Lesi sinqumo sathathwa Agency Idiphozithi Insurance Agency (DIA). Ukuze amalungu uhlelo wathi ukubuyekeza yelayisensi umcimbi umshwalense. Ngaphansi inkontileka zimali inelungelo 100% nokubuyiselwa idiphozi, kodwa isamba isinxephezelo ngeke sidlule ayinkulungwane namakhulu ayisikhombisa. amaklayenti uMbumbi inhlangano credit bebelokhu ngenkuthalo nesithakazelo ebhukwini ukuthola izinkokhelo umshwalense.

Izinkinga ukubuya idiphozi ngesikhathi DIA

Akuwona wonke amaklayenti yangaphambili ebhange yayizibheka ohlwini isinxephezelo. Abaningi bathi ukukhokha ngenxa yokuthi amagama abo babengenabo irejista imali yasebhange. Kwabe sekuvela ukuthi, thina transact ngaphandle kwesaziso kumakhasimende mayelana sokuvalwa akhawunti. Abantu Abadala Abavuthiwe idatha ukukhwabanisa - Bank "Lights eMoscow". Izibuyekezo Kwamakhasimende kule izinkundla uqinisekise lesi. Njengoba izintambo ziyobe ziphethwe emabhange babe izitatimende ezifakazela ukuthi abavumanga ukuba imisebenzi enjalo.

njalo kufanele kube indlela yokuphuma

Naphezu ukuqedwa kwenkontileka unilaterally, ibhange ukuba abize inzalo emalini imali, ngakho ingxenye yale mali kungaba zisuswe. Zonke ezinye uhlala ukulinda DIA. Le nhlangano ibike ukuthi isebenza ukuxazulula inkinga, futhi inkinga lokukhokha akufanele kube. Izicelo ukukhokhwa umshwalense isinxephezelo singathunyelwa ingakapheli iminyaka emibili. Lena ithemu isilinganiso yebhange idilize.

Labo zimali abangafuni ekuqaleni uzithola abameli ebhukwini isinxephezelo uncome inqubo elandelayo. Ukuze uqale ukubhala isitatimende DIA ekufakweni encwadini okubhalwa kuyo izinkokhelo umshwalense. Khona-ke udinga ukubhala isitatimende emaphoyiseni mayelana nalesi simo futhi uthumele isicelo enkantolo. Uma, ezinsukwini ezingama-30 zekhalenda DIA ngeke uyithole impendulo, kubalulekile ukufaka icala lesibili - ngalesi sikhathi ku-ejensi. Le nqubo akufanele babencimfela. Lokhu kungase kube yiyona ndlela ukuze ibuyisele le mali izimali ebhange "Lights eMoscow". Izibuyekezo of the emabhange zangaphambili "Master-Bank", okuyinto eye ilayisensi Ubuyise ngoDisemba 2013, kuphela kuqinisekisa. amakhasimende amaningi basalokhu bengakakwazi ukuthola impendulo kusuka DIA.

Bank "Lights eMoscow": ikhasimende ukubuyekezwa inqubo imbuyiselo

izinkokhelo compensatory angatholakala ngokusebenzisa legatsha le Savings Bank. I isikhungo sezezimali ibuyisela imali ngokuqinile phezu DIA uhlelo. Leli bhange libuye kuyinto nomlamuleli phakathi iklayenti kanye DIA ukuthi uma idatha yakho alikho ebhukwini. Kwesokudla enhlanganweni ye umnyango, ungabhala isicelo bese uthumela zonke amaphepha adingekayo ukuze ohlelweni.

Ngemva kokuhlola "Lights eMoscow" kwatholakala eziningi imisebenzi engaveli kule-balance sheet kanye bengekho ohlelweni yasebhange. Leli cebo kakhulu efana isimo nge MOSOBLBANK futhi "Master-Bank". Eyokuqala emva kokusayina inkontileka ne iklayenti futhi wenze imali zimali ku-akhawunti efakwe ohlwini ebusuku ngosuku olufanayo izimali akhawunti ye izinkampani ezihlobene. Mayelana ukuthengiselana okunjalo amakhasimende ngisho uma bengezwa ngengikwenzile kwaba kuphela ngengozi. Ibhange kwesibili iqembu ahlukene VIP-emabhange kabani izimali musa idlule yengcebo jikelele.

Okufanele ukwenze nge inani amakhasimende lifake ruble ezingaphezu kuka-700 eziyinkulungwane

nezidingo zamakhasimende, okwakwenza yasebhange "Lights eMoscow" e lemali imali ruble ezingaphezu kuka-700 eziyinkulungwane, ukwaneliswa kuqala. Ngemva Ukuhoxiswa kwelayisensi Bank of Russia uyoqoka kube nesimiso sokuqondisa zesikhashana ezophatha isikhungo credit phambi isinqumo senkantolo mayelana ekuqaleni inqubo idilize.

Kokwethula izidingo abakweletwayo (the emabhange yangaphambili ibhange) kumele abhale isitatimende esibhaliwe, ucacise kanye nemininingwane ukudluliswa kweemali. Isicelo kufanele unamathisele amakhophi noma okwangempela kwemibhalo asekelayo. Kungaba:

• isivumelwano ebhange;
• elaba amandla isinqumo senkantolo;
• Imibhalo eqinisekisa kuthengiselana ku-akhawunti nge isikhungo sesikweletu;
• isitatimende se-akhawunti ukubonisa ibhalansi, okungcono usuku lokusula esibekelwe ilayisensi;
• namanye amadokhumenti asekelayo.

Izinsuku okwesikhathi izinqubo imbuyiselo

Administration sango zingakapheli izinsuku ezingamashumi amathathu kusukela ngosuku lokuthola isicelo kufanele sazise umfakisicelo ukufakwa yayo encwadini okubhalwa kuyo izidingo (ngokugcwele noma ngokwengxenye) noma ukwenqaba. Lesi sakamuva singabangela ivalwe izinsuku ngaphambili kuka-60 ngemuva kokushicilelwa kwesaziso ngokumiswa lesikhungo credit ephephandabeni "Izindaba Bank of Russia." Usuku olunembile irekhodi zizofakwa esikhangisweni.

I ukuze zihlangabezane nezimfuneko ikhasimende kanje. Ngokuyinhloko wakhonza abantu ngabanye abaye baphetha inkontileka ka ebhange, futhi wahlangana izibopho okungenxa umonakalo ekuphileni noma impilo. Ngemuva kwalokhu - Ibhange izimfuneko Russia, isibopho sokubuyisela izinzuzo severance, ngokuvumelana inkontileka zabasebenzi. Iqembu ngalinye okwalandela izimfuneko uyaneliswa emva ukusetshenziswa ngokuphelele izibopho of dlule fike.

isifinyezo

Ngasekuqaleni kwabikwa ukuthi DIA ayikwazanga ukuthola ubufakazi ukuthi amakhasimende engaphezu kwemibili ayizinkulungwane wenza ezifakwa engamaphesenti ruble ayizigidi eziyinkulungwane e ibhange "Lights eMoscow". impendulo kwamakhasimende, lo emabhange yangaphambili amabhange ukuthi futhi baye bayishiya ilayisensi, ukuqinisekisa ukuthi inqubo imbuyiselo kunalokho eside. Okokuqala, udinga ukuqoqa wonke amadokhumenti kokuqinisekisa yokutshala izimali. Ngalezi amaphepha kumele uxhumane Savings Bank yokukhokha umshwalense. Uma igama lakho lokugcina irejista DIA ayitholakali, ungakwazi ngqo ngokusebenzisa ebhange yokulondoloza ukubhala isitatimende inhlangano bese ulinda isinqumo sabo.