Bank "lwezezimali Initiative": ukubuyekezwa. "Lwezezimali Initiative":-Google + futhi abasebenzi

Ukuhlela ukuba abe ikhasimende ye ibhange, ukuba lifake noma ukuvula i-akhawunti, into yokuqala umuntu angenakho ukufunda umlando zezimali kuphela isikhungo, kodwa futhi ukubuyekezwa eziningi. "Lwezezimali Initiative" - ilokho i isikhungo sezezimali, okuyinto edonsela ukunakekela. Inani elikhulu of amagatsha lonke elase-Ukraine, kusho ephezulu ezingeni isikhungo sezezimali, ngokufunwa amasevisi zayo. Ngakolunye uhlangothi, kukhona impela eningi kahle hhayi Izibuyekezo obuphathekayo. Bank "lwezezimali Initiative" inikeza izimo okuthakazelisa kakhulu ngokubambisana, kodwa izinto zokuqala kuqala.

Umlando omncane

Bank enesihloko esithi "isinyathelo lwezezimali" akulona zokugcina isikhungo sezezimali endaweni ye-Ukraine. Umlando walo waqala ngo-2004. Okwakuhlalwa kuzo lapho kusaqalwa yentuthuko ekuhlelweni kwawo inikeza okusezingeni eliphezulu izinsizakalo eziyikhwalithi kanye nabantu ngabanye, futhi ngokomthetho. Ukusungulwa sibhekane ngokugcwele izibopho zabo, uthi kwakungekhona kuye. Ukusungulwa ilungu le-Association of Banks Ukrainian, ilungu Kiev stock exchange PFTS kanye "UkrCard". Ngenxa ebhange ubulungu izinhlangano okunjalo okuqinile njengoba Pardo UNMA SWIFT nangokuhambisana ubukhulu nohlobo zokulawula zempahla ka, indlu ihlobene iqembu lesibili. Naphezu Izibuyekezo ezingezinhle, "isinyathelo lwezezimali" kuthatha indawo yesine isilinganiso amabhange Ukraine. Inhlokodolobha ogunyaziwe kuyinto 2 ayizinkulungwane 000 000 hryvnia. Ngokwesibonelo, phakathi nale minyaka yokubika inkathi 2012 inzuzo izikhungo zaba cishe izinkulungwane 500 hryvnia. Isithakazelo imali esimweni okumsulwa ezinsukwini zokugcina yokubika isikhathi sonyaka efanayo ilingana ayizinkulungwane 1.288.383 hryvnia. Kodwa lokhu emlandweni.

izinhlelo ezikhangayo amaklayenti

Bank "isinyathelo lwezezimali" idiphozi inikeza ezithakazelisa kakhulu futhi nge ezinhle senzalo. Kukhona nezakhiwo eziningana ngokubambisana neNhlangano izinhlelo ezahlukene:

• Lo mkhankaso waba negalelo elikhulu intshisekelo ngenyanga. isikhathi sezinyanga ezingu-12 yayo.
• Kuvele umnikelo ezithakazelisayo kuya nyangazonke isithakazelo yokukhokha kanye umthamo wemvula. Isikhathi okomnikelo ezingu-12.
• Uhlelo International ne ofeleba kanye nekhono ubuyise. Isikhathi Uhlelo ezingu-12.

Kukhona ezifakwa ezifana "Okukhulu", "Oqotho," futhi "ngezindlela ezingokoqobo." Yehluka nomunye futhi unikeze izimo ezikahle kakhulu zimali. Kuze 2012, izinhlelo mayelana idiphozi weemali babe okubuyayo kakhulu. Bank "lwezezimali Initiative" inkokhelo ngesikhathi esifanele kwenzalo ekupheleni isikhathi izimali ngokubambisana ukubuya zimali. Ukuhlukumeza lokuqala imithetho ngokubambisana babebhekwa ngo-2013.

Ake sibheke umlando, sicabangela izenzo ebhange namuhla. Bank "lwezezimali Initiative" umnyango lapho zitholakala ezingxenyeni ezihlukahlukene zezwe, uyilungiselelo luyingxenye Ukraine. Umnikazi lamasheya esivuna LLC "Invest-Service." Njengoba engusihlalo wesigungu lesikhungo kuthatha Andrew Tsyktor. isikhungo lwezezimali, nge amafa inani 9.9 bhiliyoni hryvnia, iye bahileleke ukuthengiselana inter-yasebhange kule minyaka yamuva. Abamele izikhungo abathintekayo ekuheheni izinto ezibonakalayo ngamazinga eliphezulu kakhulu. Kuyaphawuleka ukuthi abangaphezu kuka-50% imali wakhuliswa ebhange, eqinisweni, interbank sokubolekwayo. Bangaphezu kuka-80% imali imihle kokunye - lokhu ukubolekisa yenkampani. Abezindaba ehlelekile avuzayo ulwazi main ayemkweleta yasebhange uba umnikazi yena, kodwa hhayi umuntu, kodwa ubuso usomabhizinisi. Bakhmatyuk, sifiké kwezinhlangano esemthethweni ehlelekile bhunkula lo mbono, ngiphikelela yokuthi ibhizinisi lakho uyasho iwukulalela amabhange esebenzisana nayo.

Naphezu kosizi olubanga

Ukusebenza kusukela 2004, "isinyathelo lwezezimali" Bank abasebenzi izibuyekezo eBhayibhelini zinomqondo omuhle, njalo wagcwalisa izibopho amakhasimende. Naphezu kobunzima, okuyinto ngesankahlu ophika umnikazi lesikhungo, isikhungo sezimali uyaqhubeka ukunikeza anhlobonhlobo imisebenzi kahulumeni, ama-SME kanye wemboni yenkampani. Phakathi iziphakamiso ezibaluleke kakhulu:

• Ububanzi enkulu imali.
• Imali ethunyelwe kubasekeli.
• Ukwenza umsebenzi we-uhlamvu lwemali namatshe ayigugu.
• Ukugcina ama-akhawunti wamanje, kuhlanganise izinsimbi ebonakalayo.
• Ukulethwa iziqinisekiso ebhange.
• Daily futhi RKO ehlelekile.
• Ukunikeza amaseli yokugcina kwamatayitela, amatshe ayigugu.
• Inkinga, kuhlanganise ukuthengwa nokudayiswa inkampani.
• Yokuqasha kanye kahle.
• umsebenzi Depositary.

Inhlangano siyaqhubeka unamathele inqubomgomo: indlela siqu amaklayenti ngamunye. The main yasebhange imisebenzi olwenziwa ngehhovisi main, esemgwaqweni eKiev. Ziningi self-service zinsiza abasebenza emadolobheni ezifana Obukhov futhi Rivne, Dnipropetrovsk futhi Lviv, IDonetsk and Zaporozhye. Omunye amagatsha ngobukhulu - ibhange "isinyathelo lwezezimali" (laseKharkov). impendulo kwamakhasimende mayelana legatsha le ngokuya omuhle.

Indlela ikhasimende?

iklayenti ngamunye inhlangano yezimali ngesasasa elikhulu wakhuluma ngesimo amukelwe khona ngemfudumalo. Mayelana Abasebenzi friendly, smiling kwabaphathi bemali kanye abaphathi bathi Izibuyekezo eziningi. "Lwezezimali Initiative" - isikhungo okuyinto kahle wazama ukwakha umbono wokuqala omuhle kakhulu wokubambisana. Uma unemibuzo ochwepheshe kahle ekuchazeni yonke into, sithathe inkonzo iklayenti ngamunye ifomethi evumelana naye kakhulu. Njengoba iningi, asivelanga ukungabaza mayelana nokwethenjelwa ubuqotho. Kukhona umuzwa wokuthi imali manje ezandleni ephephile. Nokho, lokhu kuphela umbono wokuqala, okuyinto ezimweni eziningi kuyadukisa. Kukhona uhlangothi lwemali, okuyinto ukutshela Izibuyekezo ezingezinhle. "Isinyathelo lwezezimali" phezu minyaka emibili edlule kuye waqala ukwephula nemibandela ubambiswano, echaza ezinye zezici usithe. Lapho zihlaselwa babe abanikazi imali.

Kwenzekani abanikazi imali?

Kusukela ngo-2013 kwaqala ukuvela impendulo engeyinhle esuka kubantu ku-intanethi, okuyinto, ngokusho kwabo, wayenamandla imprudence ukuphathisa ukusungulwa imali yabo. Ekuqaleni konke kwakuhamba kahle nokubambisana. Inzalo enqwabelene njalo ngenyanga, ngaphandle kokulibala. Wonke umuntu selishintshiwe imali ngaphandle nanoma yiziphi izinkinga. Eduzane 2014 idiphozi zenzalo babé kakhulu ukubambezeleka oholele injabulo abanye phakathi amakhasimende. Isimo waphenduka amehlo nje alibange ukususa idiphozi. Isimanga siwukuthi kodwa eziningi izaba babe ukuthi kungani enkingeni obhekene nayo akuyona imali esebhange isimo "isinyathelo lwezezimali". Imali, okwakukhona kulo Izibuyekezo engcono, akazange ayithethelele uqobo. Ngokwe-emabhange, isikhungo sezimali iye ukunikela Uhlelo jikelele lapho abantu bafuna enye ingxenye niyinike ibhokisi ehhovisi idiphozi, kodwa ngaphansi kombandela wokuthi ingxenye umnikelo wesibili Sizophinda ahlelwe ngokuhambisana inkontileka entsha ihlandla elisha. Engazi ukuthi wayezobathola kanjani ukuthola imali yabo, abatshalizimali babé baningi ngisho uyavumelana iziphakamiso ezinjalo.

Okufanele zakwamanye ezifakwa?

Izimfanelo ukuthi babe njalo ovelele "isinyathelo lwezezimali" ibhange - imali. Izibuyekezo wabo eminyakeni edlule kuye eBhayibhelini zinomqondo omuhle. intukuthelo Okokuqala wabonakala ku-inthanethi futhi ngo kwabezindaba egameni abanikazi izimali zakwamanye amazwe imali. Zithi ngemva kwesivumelwano ibhange enqaba ukukunika izingalo zamadola. abasebenzi Agency wabachazela futhi uqhubeke ukuchaza yonke imikhawulo NBU. Kulokhu, eqinisweni, uhlaka eqinile nakho ngeke kusize enjalo ayikho. Imali ethunyelwe ivulekele wonke umuntu angakwazi ukudonsa off ebhange noma ikhadi lemali esingeqile $ 500 noma okulingana ayizinkulungwane 15 hryvnia. Ngokwezazi ezithile amakhasimende, ibhange ezihlongozwayo ukukhipha zakwamanye ezifakwa lwemali kazwelonke, kodwa hhayi lemali ngenhla, hhayi ngaphezulu kuka 1,000 hryvnia ngeliviki. I engenangqondo ka Esimweni esinjalo, kuba akudingekile ukufakazela waphinda. Enye indaba ixhunyiwe namaklayenti abaye yanquma sephule inkontileka deposit ngenxa nezimo zomuntu. Yayiyini ukumangala kwabo lapho, eMnyangweni ibhange "isinyathelo lwezezimali", ukubuyekezwa emabhange okuyinto ayekade omuhle kuphela, kusho umbiko ukungasathandi uma kwenzeka ukuqedwa kwesivumelwano. Kulokhu idokhumenti iye lento bhalisiwe, lapho phezu iphesenti ekunqanyulweni lobambiswano uzobe recalculated ngesilinganiso 0.5%. Ukusho okungaphezulu ngabe zavyaleno ku izinhlawulo in inani 17% semali idiphozi. Yilokho inkontileka akuyona ncamashi enikeziwe. Ngomzamo ukuchaza isimo ukufeza amakhasimende ukuthi ezomile uqondiswe ku-website esemthethweni ukuze uthole ulwazi. IziNyathelo ngale ndaba ngaphansi indlela namuhla.

Imali ngokusebenzisa rally, izikhalazo kanye nabezindaba

Iqiniso lokuthi ibhange "isinyathelo lwezezimali" inkinga kunokuba engenangqondo, bathi, hhayi kuphela e Izibuyekezo inthanethi, kodwa futhi kunyatheliswa okusakazekile abezindaba ngisho eKomidini Antimonopoly futhi Committee on Wokuvikelwa Kwabathengi. Hlola ukunemba lolu lwazi kuyinkinga kakhulu, kodwa ezindebeni wonke umuntu. Ngemva kokuba enqabe ukungenela ukunikeza abasebenzi imali ebhange amakhasimende kungukuthi kwehlisa izandla wakhe wokuziphilisa futhi waqala ukuthatha isinyathelo. Ngo laseKharkov, kwakukhona ngisho umbhikisho ngaphandle umnyango ayeba amaphosta. Lapho izingane hype isikhungo sezezimali, siqala emadolonzima, kodwa kancane kancane iqala ukufeza izibopho zayo. Kukhona ukwaziswa okunokwethenjelwa mayelana nalokho abantu ukuthola imali yabo fa elitholakale kanzima kanjalo, nakuba, futhi ezinyangeni ezimbalwa kamuva futhi wavumelana ngokwengxenye. Into esemqoka ukuthi umphumela osekuzuziwe nokuthi kulesi simo ilungelo wakwazi ukuvikela, naphezu kobunzima kwezomnotho, izikhungo zemali nje kuphela kodwa futhi we yonke isimo.

Yiziphi izibalo?

Njengoba kushiwo ngenhla, ukubuyekezwa ikhasimende ye ibhange "isinyathelo lwezezimali" - akuyona inkinga njalo okuthembekile umthombo wokwaziswa. Okuningi mayelana nesimo langempela izindaba enhlanganweni uyakwazi ukutshela izibalo ezisemthethweni. kakade Sishilo ukuthi isikhungo sezezimali e simo we NBU endaweni yesibili, futhi kukhona into okumele siziqhenye ngayo. Inkinga wukuthi ulwazi ilungile, kodwa kancane kuphela. Isikhundla waya ebhange esekelwe inani ukulingana kusukela amafa, ogama sayizi (ukubala zokugcina) 17538523 hryvnia. On ubhale izinkinga ezihilelekile uhlangothi, futhi leyo mali ilingana 14.964.810 UAH, baletha ibhange endaweni yesithathu simo esifanayo ngo 2014. Kodwa izinto ezithandekayo ukuza. Ekoteni yokugcina 2014 isikhungo sezezimali luye lwabonisa isimo ukulahlekelwa lebonakalako inani 86 394 hryvnia. Futhi lapha kakade kuningi okufanele licatshangwe. Lokhu value digital cishe ngokuzenzakalelayo ukusungulwa santshingwa indawo 12th aphume 158.

imizamo Strange ukuthuthukisa isimo

Ukukhishwa umnikelo isigamu kabusha ukubhalisa ingxenye yesibili yalo ezinye izinyanga eziyisithupha - lokhu akulona nje omunye namasu esetshenziswa "isinyathelo lwezezimali" (Bank, Kiev). impendulo kwamakhasimende watshela eziningi ezithakazelisayo. Abanye abantu bacelwa ukuba athathe kuphela inzalo imali, futhi engekho ngaphezulu kuka-15% ubukhulu idiphozi. Ngaphezu kwalokho, abatshali bezimali njalo sitshelana ukuthi akhawunti abo ivinjiwe, futhi ngeke bakwazi, futhi uma kudingeka, akhokhe esitolo. Inkinga inoperability namakhadi ngasebenzi, yakhishwa okokuqala kubonakala ekuqaleni 2014, manje seliye esiphuthumayo nakakhulu. Ngokusemthethweni, abasebenzi asebhange zithi akukho ukwephula ku ingxenye yesikhungo ku isici ukusebenza nezibopho ngaphansi kweSivumelwano kungekho Idiphozithi. Ngaphezu kwalokho, CEO Isekela e umuntu Andreya Demchenko ingxoxo olusemthethweni kwesokunxele kusukela impendulo eqondile, futhi yagxila izinhlelo eziningi ibhonasi, kwi ukwanda kunokwenzeka e nomkhawulo ukuhoxa futhi ngakhula zenzalo. Ngemva kokuchitha ukuhlolwa Investigative in kwelinye lamahhovisi Kiev, izazi wathola ukuthi ngempela amakhadi abapholile, kuyilapho izandla mono uthole akukho kuka-15% inani idiphozi futhi isithakazelo. abameli abanolwazi ukubona isimo ukwephulwa kwamalungelo wobuntu kanye prolongation ngempoqo idiphozi.

zezimali ngabazeka

Konke wawulotshwe ngenhla kuphela kuholela embonweni wokuthi ibhange "isinyathelo lwezezimali" akakwazi ukunikeza ezingeni kahle zezimali zabo. Uma esikhathini esizayo esiseduze isimo ngeke kushintshe, nemibandela Ukukhishwa imali ngeke ayeke eziphikisana nomthetho Ukraine futhi the Civil Code, inhlangano ingase kancane sokumisa umsebenzi walo ukuqinisekisa izimo. Kuleli qophelo, uma kukhona abantu abanale ezifakwa ezikuleyo ndawo, ngoba lapho elithi yesivumelwano isivele yaphela, kufanele uqhubeke ngendlela elandelayo:

• Thumela isikhalazo ku-National Bank of Ukraine.
• Sue isimangalo mayelana nendlela ukuthola ukusuka esikhungweni sezimali lemali egcwele idiphozi.

Namuhla, ibhange Sizoqhubeka nokusebenza futhi uyaqhubeka ukwamukela iminikelo abathintekayo. Ungase sithi akufanele ukholelwa ukuthi ukukhangisa amahle isithakazelo ezilingayo. Izibuyekezo kwabasebenzi ebhange, yebo, omuhle, kodwa musa ikakhulukazi bayakholelwa. Ukuze iqiniso, bese ukulahlekelwa umsebenzi akekho ofuna. inzuzo sibonisa kahle Dynamics isimo i-corporation. Isignali lokuqala lubonakala eyinakekela lapho ibhange inikeza izinga yokuncintisana kakhulu inzalo idiphozi. It kuyafaneleka ukucabangela lokho utshelwa ukuphathwa ejensi phezu kuchithwa olulinganiselwe inzuzo futhi yini ukudlulela ngale amazinga akhona.