"Rosenergobank", ukubuyekeza yelayisensi: izimbangela yenkinga

Izwe ligcwele amahlebezi. Ngakho satshelwa njengoba ingane, futhi lokho ngakho ngisho ukutshela amakhasimende kwamabhange. Futhi kumelwe zivunywe ngempela, abaningi izikhungo zezimali idumela yakhiwa 50% of the amahlebezi nemibono umsebenzisi. Nokho, kukhona eyodwa kodwa. Kungenye into lapho inkampani yokuzwa omuhle, elingazange ngisho ufuna ukunqabela, kuhlukile - uma ibhange uthi akuyona ethopha izinto. Yisisulu Senkulumo amazwi anjengokuthi, ngokombono wethu, futhi waba "Rosenergobank". Ukuhoxiswa kwelayisensi - ke ingenye izihloko ezisemqoka ukuthi kuxoxwa nsukuzonke ezithangamini zezimali ezihlukahlukene futhi ukuxhumana nomphakathi. Kodwa ngeke kube kuhoxiswe? Noma yasebhange, + njengasosukwini lokungivivinya yamuva 2008, uzokwazi lisinde lingabanjwa?

ulwazi olujwayelekile mayelana ebhange zamanje

Ngakho, isihloko izingxoxo eziningi waqala esasinedumela elibi, "Rosenergobank". Izinkinga enhlanganweni, kanye nanoma iyiphi enye inhlangano yezezimali, kwaphakama njalo. Kodwa, naphezu kwalokhu, kusenjalo ingaziki. Lena enye yezinhlobo ezingu izikhungo waseRussia ngobukhulu zezimali ezisebenza emkhakheni wesikweletu nokugcina akhawunti amabhizinisi amancane kanye naphakathi.

isikhungo sezezimali amaklayenti: bangobani

Amaklayenti lenhlangano okwamanje Uyi izakhiwo ezinkulu ezimbalwa ukuthengiselana, kuhlanganise labo abasebenza emkhakheni energy. Umthombo oyinhloko ngezimali ye ezifakwa emabhange labantu namuhla. Ngaphezu kwalokho, sikhungo kwekhomeshini bahileleke ukuhweba emakethe ukuguqulwa imisebenzi kanye izibambiso. By the way, umlamuli muva enwetshiwe inani namalayisense ahlobene emakethe yokuhweba isikhungo sezezimali.

Yini ebangela ukwesaba kwemizwa umphakathi?

Imbangela ezivame kakhulu ukwethuka iba yokwesaba phezu ingxenye eyodwa noma ngaphezulu amaklayenti lesikhungo credit. Ukwesaba kwabo kuvame ukuhlotshaniswa izinkinga ezithile ukuthi babekwazi nazo. Ngokwesibonelo, cabanga isimo lapho "Rosenergobank" akwenzi izinkokhelo. Noma kunalokho, kwaba khona izinkinga ezifanayo ne-akhawunti abantu abaningana ababehlangene watatazela futhi baqala ukusabalalisa ezibakhathazayo up iketanga. Futhi okunye igciwane enonya "bankoboyazni" thatha kanye nabanye abasebenzisi, okuyinto isiqala ukwabelana imicabango yabo nalo lonke abantu Russian.

Empeleni, lesi simo kwenzeka ne "ROSENERGOBANK". Ngenxa yalokho, uvalo ukusabalala bamethemba ebhange, amahlebezi okuthi maduzane uzolahlekelwa ilayisensi yayo. Kodwa ingabe sikhona isizathu sokukhathazeka?

A uhambo olufushane ku esidlule

Sikhishwe yokuthi umlamuli okwalapha ukugawulwa ikhanda kwesokudla noma kwesokunxele, amabhange wayencisha ilayisensi wholesale, khipha ngokuphelele kungenzeka zingenzeki ezikweletini. Nokho, kuyinto kukhunjulwe kuwufanele kanye nesimo esinzima ezibhekene "Rosenergobank" (Russia) ku esingekude kakhulu 2008. Ngaleso sikhathi, empeleni isikhungo sezezimali labhekana ukulahlekelwa futhi Kwase kusele kancane kokuhoxiswa kokuhlelwa ilayisensi. Ngokushesha kwaqala ukuvela abasebenzisi kufanele athukutheliswe yizwi ngubani akhononda okokuqandisa izinkokhelo kanye ukuwaphendula ebhange.

Kodwa ngisho lokhu kutheleka kwabantu ukwethuka isikhungo sezezimali kuhlulekile likhokhe. Inketho enhle isikhathi inhlangano commercial ukusetshenziswa promissory inothi isikimu. essence yayo lalithé: amaklayenti asebhange bacelwa ukuba bamelele izibopho zingafezeki lenhlangano ngu esikhethekile promissory amanothi. Ikakhulukazi, "Rosenergobank" (sokwesulwa kwelayisensi kulesi simo kucatshangwa, kodwa wakwazi ukubaleka) wasikisela ukuthi iningi amakhasimende abo ukuthenga u-90% inani bill hung, kuyilapho 10% thatha izandla yemali.

Ngokusho abameli, le ndlela wasivumela ukuba aluqede ngokuphelele non-payers ukugcwalisa iKhabhinethi (okuyinto lapha ngokuvamile ukulingana izabelo iklayenti neispolniteli, kufaka phakathi intela nezikweletu). Futhi ukungabikho wokufaka enjalo yena, wayencisha Umlawuli ngendlela ehleliwe i ngesilinganiso kakhulu ngesimo sokwesulwa ilayisensi.

Yingakho le mpikiswano idalwa yini?

Okwamanje, izibuyekezo "Rosenergobank" (abasebenzisi Izibuyekezo) ephathelene nezinye izinto ezintsha mayelana nokuntengantenga kwezezimali. Izizathu eziningana:

• uvalo yokufakelwa, ihlelwe izimbangi amabhange;
• ukwesaba okukhulu amanethiwekhi adalwe abasebenzisi ngokwabo;
• kuvuse kwabezindaba;
• abahlaziyi;
• nokushintshashintsha sobala ezitatimendeni zezimali kutholakale esidlangalaleni.

zihlanganisa khona izikhala yangempela nokuziphendulela, kuvulekile kumalunga netwetwe izizathu eziyinhloko.

Ngokusho abahlaziyi, indlela kuphela ukuze ugweme wehlele lenhlangano credit - weqa izitatimende angabangela ukusabela okungekuhle evela kumakhasimende. Lo mbono kubonakala sengathi, kunesithembiso yena "Rosenergobank" (ukubuyekezwa ibhange kulesi simo isekela lo mbono) njengoba ababika okokugcina ukuthi uthumele ngo-Agasti kulo nyaka. Ngakho-ke, idatha Septhemba kanye ezinyangeni ezimbili ezilandelayo isayithi ukuzilawula.

Ikhumbula Ukugodla kwezitatimende zezimali, eziningi abasebenzisi, kuhlanganise ochwepheshe zezimali kanye baxgeki wenza ziphetho mayelana ukuntengantenga yebhange. Kodwa ingabe sikhona isizathu abe netwetwe?

"Rosenergobank" Ukuhoxiswa kwelayisensi: lokho ochwepheshe bathi?

Ngokusho kochwepheshe, ungethuki, kodwa ukuba uzindle isimo sisalokhu sinjalo. Ngokwesibonelo, eziningi izimpendulo zemibuzo maqondana isimo sezimali inhlangano yezimali zingatholakala ku website esemthethweni rosenergobank.ru wakhe.

On abameleli ke ibhange ukuchaza ngokucophelela okushiwo isimo sangempela. Ngakho, ungakwazi ukuqhathanisa nenani kwezimali siqu, eshicilelwe ekuqaleni kuka-October no-September. Esimweni sokuqala, sasifana nokuthi ruble 8.9 bhiliyoni, kanti eyesibili - 10.6 billion. Kule singaphetha ngokuthi kuphela ngenyanga kwakukhona nokwehlisa usayizi dolobha ngo okuningi njengoba 16%. Futhi uthi kuphela ukuthi Inkampani kwenzeka ukwanda okukhulu kwezincwadi ukulahlekelwa.

Ngaphezu kwalokho, ukukhathazeka mayelana ukunciphisa ukubaluleka avumelekile ebhange dolobha imibiko siqu futhi umlamuli uqobo ekuqaleni Okthoba. Ngokusho mibiko, lesi silinganiso iya ezimbi, bese sehliselwe 5,125% noma ngaphansi. Ngenxa yalokho, i-isikhungo sezezimali babenezinkinga esikweletini subordinated.

Nokho, wakwazi ukubhekana nabo, lapho bamasheya wanquma ukuguqula izikweletu ku ukwabelana ebhange. Kuyinto ngenxa yalokhu futhi wabuyiselwa kuyinsakavukela capital nokwanela. Ngamanye amazwi, yini izinkinga zezimali noma iyiphi "Rosenergobank" ilayisensi ukuhoxiswa engazange kusongelwa. Nakuba ngakususi ithonya nezinye izinto, ezimele abamele inhlangano yezimali, akudingekile.

Kafushane, ukugodla ulwazi kunikeza isizathu esisha ukucabangela nekucabangela. Futhi okubaluleke kakhulu, ngeke esilimaza idumela isikhungo sezezimali.

Yini abasebenzisi ucabange?

sesikweletu amaklayenti ngokuvamile ukuchaza izinkinga nokukhishwa imali, inkulumo ka a 'hung "Inkokhelo futhi wabikezela ucabanga okuseduze inhlangano. Abanye, kunalokho, uthi izinzuzo entsha ngokubambisana neNhlangano ebhange. Ngokwesibonelo, omunye ezintsha ezifana kubhekwa isenzo abanikazi amakhadi UnionPay International. Ngokusho nemigomo yalo, ne amakhadi okukhokha kwezimpahla ezihlukahlukene namasevisi kumakhasimende phesheya 'Rosenergobank "bazokwazi ukuthola i-30% isaphulelo.

Yini benze abasebenzi?

Ngokuvamile, nokuntengantenga kwezezimali ejensi credit uthi abasebenzi ngokwabo. Lokhu futhi kufakazelwa inzuzo enkulu futhi abasebenzi. Ukuze siyiqonde kahle le ndaba, awudingi ukuba ube uchwepheshe noma umhlaziyi. Vele nje ungene ngemvume "Rosenergobank". Impendulo evela abasebenzi inhlangano izodlala indima ebalulekile. Kodwa okokuqala, kudingeka uqalaza. Ngokusho amakhasimende, isimo kunoma yiliphi elinye lamagatsha ngempela zezwe. Ukugcina ozinzile futhi azikho izimpawu ukwethuka. abasebenzi ukuzihlela ukuthi ngeke aze ashiye uhlelo. Bathanda abasebenzi, esifanele sezokuphatha kanye nokuqhutshwa isimiso.

Kafushane, isayithi iyasebenza, izisebenzi ungagijimi, imisebenzi yemali kuyenziwa. Ngakho, nokuntengantenga futhi nakakhulu basule ilayisense, ngisho aphume umbuzo.