Ltd. "Sberbank kahle": Izibuyekezo Inkampani

Ukuze wenze ekusetshenzisweni kwemithombo kanye nokunciphisa ukuncika Central Bank iyona izikhungo ngobukhulu zezimali kuleli zwe ngo-2014 uye wasungula uphiko olusha. LLC "kahle Savings Bank" eyilungu le-Association of kahle Izinkampani. Kuphela phakathi nonyaka walo wokuqala wokusebenza inhlangano wakwazi ukwakha iqembu lochwepheshe futhi imikhiqizo ukuncintisana emakethe.

definition

Kahle - umsebenzi ngezimali ngaphansi nezimfuneko imvume. Esikhathini ubudlelwano phakathi komphakeli umthengi ngokuvamile isidingo sokukhokha elihlehlisiwe. Umthengi kwandisa ibhizinisi inzuzo, futhi umphakeli lukhula Receivables. Ukuze hhayi ukulinda isikhathi buyiselo kwezimali ezivela umthengi, singaphetha ngokuthi isivumelwano ne kahle ebhange.

uhlelo

Ingqikithi yalo kuthengiselana simiswe ngalendlela lelandzelako:

• Owayebolekisile ithumela isici yonke imibhalo ye-supply kwezimpahla kanye yesimangalo yemali. Phakathi kwebhange iklayenti inkontileka kahle.
• Factor okhokhela umbolekisi ukuthi u-90% inani kuthengiselana ngesikhathi bese enakekela wonke ama-akhawunti Iyatholakala. Ukubolekwa ngokuvamile anikezwe isikhathi kufikela kuzinsuku ezingu-180.
• Ngemva kokuvala zonke izibalo isici ubala ayemkweleta asele isamba, okukhethekile kwenzalo emsebenzini waso.

Kahle for abahlinzeki kunenzuzo ngalolo umdayisi ngokushesha uthola kokusebenza, futhi umthengi okhokhela lokho Wayala.

Isimo emakethe

Lokhu ingxenye sixhomeke kakhulu ikhasimende isidingo imikhiqizo. Nge zokunciphisa ukusetshenziswa kwezimiso eqinile ngokunginika uxhaso. Kuphela ezindaweni ezifana kagesi, zekhompyutha ukukhiqizwa ubucwebe, 30% ngo-2015 unqabile uxhaso. indima ebalulekile lokhu kwafeza ingxenye okwesula izinkampani emakethe ehamba phambili, kanye nomphumela emali. Nge umbono walo ukusikwa emakethe e 2015 eneminyaka engu-15%. Ekupheleni konyaka lomgodlagodla kuyona yonke imisebenzi bezingaphansi ruble ayizigidi ezingu 255. kahle emakethe inzuzo kwehle ngo-7% ngo 2015 ngenxa izingozi ezikhulayo evela kumakhasimende. nokwehla efanayo laligujwa ngo-2009, kuze kube manje.

Naphezu ziwohloke yesikhashana isimo, kokungenzeka emakethe omkhulu. Inani amakhasimende asebenzayo ngonyaka kukhuphuke ngo cishe 2-emhlanjini: kusukela izinkampani 6 kuya kwezingu-10 .. Inani eliqondile izinkampani ezithengisa imikhiqizo ngesikweletu ngokwemigomo, nakakhulu. Khulisa inombolo amakhasimende e kathathu - umgomo ofinyelelekayo.

Kahle VS Credit

Kahle ukhumbuza abolekise isikimu. Kodwa ukusebenza has izici zayo siqu.

impumelelo

Ngo-2015-ke wavulwa Amahhovisi 5 esifundeni esise-Ural, eMoscow, e-Southwest, Northwest futhi iVolga-Vyatka esifundeni. Phakathi 2016 OOO "Sberbank kahle" Wenza isivumelwano nokubambisana "le METRO Cash & Carry" futhi APESK lapho amafemu uzothola amasevisi kahle ngemibandela express: ukubuyekeza okusheshayo isicelo futhi bathathe izinqumo ezihluzekile. Inzuzo imisebenzi ingaphezu kwe abolekise classical. Isilinganiso kwempahla inzuzo - kwezinyanga ezimbili, okungukuthi izikhathi 6 ngonyaka inkampani wabuyela emzimbeni imalimboleko kanye nenzalo.

izinhlelo

Ezingaphansi kwe-Savings Bank isungule ngokushesha ngaso sonke isikhathi. I imigomo efanayo setha inhlangano entsha. Ngokwe umhlahlo sibalo ekupheleni 2016 ivolumu yebhizinisi lenkampani "kahle Savings Bank" kufanele kube ruble 30 bhiliyoni, e-2017 -. Ruble ayizigidi eziyizinkulungwane ezingu-90, futhi ngo-2018 -. Ukuze ruble 240 billion. Ngokwe AFC, ngo-2014 umthamo iphothifoliyo izinkampani emakethe kuyinto ruble 309 billion zazo 68% babe ku-abaholi ezinhlanu emakethe phezulu :. "VTB kahle", "PSB", "Alfa-Bank", "Gazprombank" futhi "Petrocommerce ".

amazinga Ayihaba abonakale ngisho nakubangane inkampani uqobo. ukuthuthukiswa inhlangano isu iminyaka 5 esilandelayo uye ayikavunyelwa. Ngakho-ke, izibalo eshicilelwe ezihlobene kunalokho izidingo lobuchwepheshe, kodwa ngamakhasimende ukuthuthukiswa. Injongo inkampani "kahle Savings Bank" esikhathini esizayo esiseduze - ukuhlinzeka amasevisi kumakhasimende zokuqala amabhizinisi amancane, aphakathi nendawo kanye enkulu.

Ukuzuza unikezwa Amabha inkampani ngeke kube lula. Ngesikhathi esifanayo, ngokungafani Inengi labahlanganyeli emakethe, Savings Bank has a semali zezimali futhi likwazi ukufinyelela uxhaso ezishibhile. Lokho, inhlangano uzokwazi ukunikela amanani aphansi emakethe. Yebo, futhi emakethe ukuvela abadlali ezinkulu bayozuza ngokuzibekela ukuthola sikhonzi esaba negalelo elisha ukuthuthukiswa.

Services Ltd. "Sberbank kahle"

Esinye sezimo ukusayinda isivumelwano kuyinto nomthengisi nokubambisana kumthengi izinyanga okungenani ezimbili. Uma kukhona bobabili kuthengiselana ngaphakathi ezweni elifanayo, kuba inkontileka kahle yasekhaya, uma ehlukene - kahle zangaphandle.

izimo inkonzo

• Okwenziwayo lwemali - ruble.
• Ithemu - nanini.
• yokukhokha engamancozuncozu - kufikela kuzinsuku ezingu-180.

Lapho senza idiphozi kuthengiselana ayidingekile. Kodwa imigomo yenkontileka ungahlinzekela ilungelo funa kwamaciko. Kweleti akusho angabuyisela izikweletu, inkampani ongacela emuva kusukela iklayenti zonke izinkokhelo esekelwe Commission.

Amazwana mayelana nenkampani

Inzuzo enkulu esebenza inkampani ukuthi inhlangano ilungele ngezimali izivumelwano, ngisho nalabo abasanda kuqala, abaye abangenalwazi emkhakheni womsebenzi. Kahle kahle, lokhu kusebenza amabhizinisi amancane kanye naphakathi, okuyinto amabhange izinkontileka ejwayelekile engathandi ukusebenza.

Yiqiniso, amasheya eNkampani azisebenzi bonke abahlanganyeli ukuhweba kanye nobudlelwane kwezomnotho. izimpendulo Inkampani uqinisekise ukuthi, ngokwesibonelo, ukukhuphula umkhawulo ka uxhaso kungenzeka kuphela ezinyangeni ezintathu ngemuva kokusayina inkontileka nenhlangano futhi kozakwethu omethembayo kuphela. Phela, ezikhathini gxuma ukubambezeleka lwemali ukuba abuyisele izikweletu is ngenakugwemeka. Uma iklayenti isiphethe isivumelwano ne isici nge Sokuzivikela, izinzuzo lesi senzo, kungaphumeleli. Ukuthengiselana ngaphandle entweni inkontileka ezibizayo, ngoba izingozi yenkampani zezimali ziyanda.

Okuningi kuxhomeke umnqamulajuqu. Ngokwesilinganiso, umlando nokubambisana abalingani lihlolwe izinsuku ezingu-7. Kulokhu, udinga ukunikeza lonke ulwazi eningiliziwe kwempahla kanye nasezinhlelweni kwemibandela yokukhokha invoice isikhathi esidlule. Kodwa uma ngesikhathi Ukuhlola isicelo ekupheleni omunye imibhalo "ukuphila eshalofini", iphakethe kuyodingeka ukubuyekezwa. Nokho, le nkinga ingagwenywa ngokumesaba ngokushesha abaletha iphakethe okuphelele imibhalo on the amaklayenti.

E-kahle

Ngo-November 2015-ke wasayina inkontileka kahle kuqala elektroniki phakathi kwesibambisene nabo eMoscow St. Pererburge. Ubuchwepheshe E-kahle aqede umsebenzi ephepheni, izindleko kwezidingo zabo, kanye manual kufakwa amaphutha. Konke ukuxhumana senzeka ngokusebenzisa uhlelo electronic. Lobu buchwepheshe lula kakhulu inqubo kahle kuthengiselana phakathi amakhasimende ezindaweni ezahlukene noma amazwe. ukwesekwa Technical wokwenziwe ngofaka inkampani "KORUS Consulting CIS" - osizayo we Savings Bank, okuyinto ehamba phambili ESI opharetha emakethe ngoba lo mkhakha.