"Terra Bank": kumpendulo yekhasimende, ukubuyekezwa. "Terra Bank": izinkinga

Ngaphambi ukuya ebhange, wonke umuntu ofunda ngokuningiliziwe ngaye impendulo. "Terra Bank" - ingenye izikhungo Ukrainian zezimali, obesanda yabakhanga zimali. Namuhla, efana nezinye izikhungo eziningi ezifanayo, inkampani libhekene nobunzima, kodwa ngokukhuluma ngokungagwegwesi, kuba on the esengozini ezikweletini.

Ake ubuyele emuva esikhathini esidlule

okubuyayo, "terra Bank" lapho ngokuvamile kunezingane kakhulu egcwele Inthanethi ngesikhathi lapho isikhungo sezezimali senzeka 16 kule simo National Bank kanye kufakwe iqoqo lesithathu yisikhungo sezinhlangano eziphambili zezezimali. Inhlokodolobha ogunyaziwe we ibhange zazilingana 557 ayizinkulungwane 141 hryvnia. Kule minyaka yimpumelelo wezimali odlule, i-isikhungo sezezimali luye lwabonisa inzuzo ka $ 1.107.892 hryvnia. Net isithakazelo engenayo 71.787 hryvnia. Ngokwe-zabuna uhlobo, manje ayifake isikhungo ezifana "terra Bank", ekuphathweni zesikhashana. Institutions ku-16 ohlwini, ngenhlonipho lapho isimo usuthathe izinyathelo ezinqala. Kumele wathi lokho kwashintsha abanikazi ezine inhlangano zokugcina 4 iminyaka. I last abanikazi ababili baye basebenzisa inhlangano yezimali kuphela ngenjongo kokuhoxiswa kokuhlelwa imali, okuyinto bakhangwa emabhange ngaphansi emangalisayo eziphezulu zenzalo.

izinguquko konke

Ngaphambili a enepumelelo, "terra Bank" (Kiev), okuyinto ngoJulayi 2014 wathatha isikhathi eside kunaleso endaweni 16 th-42-th e simo we NBU, August 22 umenyezelwe ezikweletini. Ngemva kwalokho, le Idiphozithi Isiqinisekiso Isikhwama wenza isinqumo mayelana ngokufaka isikhungo ekuphathweni zesikhashana isikhathi izinyanga ezintathu. Ngesikhathi esifanayo siqale yokusesha asebenzayo zimali. Izenzo ezinjalo babe wobujamo siyaluyalu enkulu negative nokubuyekeza amakhasimende. Abantu abayizigidi bamatasa ebhaliwe izimangalo izikhungo zezimali KHALA izikhulu ezihlukahlukene ngenxa yokuthi ebhange kuphula umthetho futhi akagcwalisi ukufezakalisa iimbopho emabhange.

Ushintsho ubuholi - isinyathelo sokuqala maqondana ukuntengantenga

Uma busuka ezifana isikhungo ngokuthi "terra Bank", ekuphathweni zesikhashana, umphakathi uye waba nomlando etholakalayo eside kakhulu futhi ezithakazelisayo usungowomunye. Ekuqaleni, isikhungo sezezimali yayaziwa ngokuthi "Invest-Bank Kryvbas ', wadala 1995 ensimini ka Kryvyi Rih. Ngemva kweminyaka eyishumi, ngo-2005, lesi sikhungo anikwa igama elisha - the "Invest-Credit Bank". Kwakungenxa nje ngo-2007 , i-zezimali nesikhungo wavela phambi komphakathi ngesimo lapho uyazi ke namuhla. ushintsho Kugcine yegama yebhange seluqaliwe ngumnikazi wayo omusha, okuyinto kwenzakala umqondisi wezezimali "Oschadbank" Kolobov wasebenza naye Prikhodko futhi Davydenko. Isikhundla engusihlalo wesigungu waya Sergey Shcherbina. Ngokusho kwakhe, abasunguli ekuqaleni ngoba isu esizayo we isikhungo sezezimali. Babefuna ukuletha isikhungo kuya jikelele ezingeni Ukrainian sinombono kabusha. ukuthuthukiswa okusebenzayo kwe inkampani kwenziwa ngaphandle isitokwe kwempahla, kuphela ngezithukuthuku inzuzo.

Kungani kangaka abakhonondayo emabhange?

impendulo engeyinhle, "terra Bank" esavela njengoba isikhungo ehluleka ukuhambisana nezibopho zayo, batheleka bevela kuzo zonke izinhlangothi. Lapho benza zezimali amakhasimende, uma ekuqaleni egxile ekukhonzeni kuphela amabhizinisi of Krivoy rog? Isimo alichaza yokuthi kakade 2007 inkampani wayiswa Kiev, amagatsha awo avuleka emadolobheni ezifana laseDnepropetrovsk nase-Odessa, Kherson futhi Lviv, kwesinye. Sekukonke kwakunabamemezeli abangaba ngu-21 umnyango. Umzamo wokuqala ukuthengisa isivele ngenkuthalo inethiwekhi ekuthuthukiseni senziwe 2009. Kucondzaniswa izinhlelo ezenziwe inhlekelele yembulunga yonke ka 2008. okuthengwa ezenzeka ngo-2010 kuphela. Ushintsho lobuholi ubephelezelwa isikhungo elichumayo asebenzayo. Siyabonga emafeni Kirill Shevchenko Vadim Kopylov Institute lakhuphuka lafinyelela cishe kubantu eziyizinkulungwane ezingu-1,4 i-hryvnia. Ekuqaleni 2012, izikhungo dolobha zazilingana 2.9 bhiliyoni hryvnia. Lutho wabonisa ukuthi imilayezo izovela eminyakeni embalwa ezayo ukuthi "terra Bank" ingabuyeli idiphozi.

kabusha Dual

Ukuthuthukiswa omuhle simo ibhizinisi ngeke lihlale isikhathi eside. Kakade ngo 2012 no 2013, ibhange liye zidayiselwe kabili. Umlando amnyama elihlobene ne Tsyplakova, omunye wabanikazi lokugcina isikhungo. ukuzinza lwezezimali ukuthi lihuduleke lapho isikhungo inike loan komunye izinkampani usomabhizinisi $ 40 million. Kwakukhona amahemuhemu athi lebhizinisi ngokwezimali ngezithukuthuku zimali. Isikweletu engakaze aholelwe, maningi amathuba okuthi naye umnikazi we ibhange uqobo futhi bathethelelwe. Ezinyangeni ezimbalwa ezedlule, umsebenzi asebenzayo we yasebhange, bakhangwa wonke amabutho zimali, labanika idiphozi nge rate of 26,5%, nokwanda okuphawulekayo index isilinganiso emakethe. Lapho isikhathi siyaphela ubudlelwano zimali yasebhange "terra" ukukhipha ezifakwa kunqatshelwe.

Ngendathane Izibuyekezo ezingezinhle

ukwehluleka Imininingwane kusabalala ngokushesha okukhulu emphakathini, futhi abantu bagijimela sephule inkontileka bese uphuma imali. Ngenxa yalokho, kwaba khona outflow dolobha. Inani elikhulu emabhange abakhonondayo ngenxa yokuthi "terra Bank", izinkinga olwaqala onyakeni owedlule, ihlangene ne-National Aviation University. ezifakwa kwamakhasimende, ukhangwa kulesi sigaba, ngokusho kombiko wokulungiselela, kwakunemikhaya eyizigidi ezingu-45 hryvnia. Ngesikhathi okokuqandisa egcwele akhawunti bahlala inani 2.5 million hryvnia.

Inkinga yokuqala futhi ukuze azame ukusindisa emkhunjini ocwilayo

Lapho inhlangano yezimali bevela kuzo zonke izinhlangothi strew Izibuyekezo ezingezinhle, "terra Bank" wathatha isikhundla ethakazelisayo engase wabonisa ngokucacile ukuthi uhulumeni uzama zonke izindlela imali phandle. Ngo parallel, isikhangiso asebenzayo ngeminikelo ezehlukile, kuze ukwethulwa ekuphathweni zesikhashana, ngisho emsebenzini ngaphakathi esikhungweni nge labahluleli we NBU, olwenziwa abolekise ibhizinisi asebenzayo. Yakha Inamandla kuphothifoliyo loan lwenziwe ngezithukuthuku zimali ezincane. Kuwufanele bethi loans lemali zamadola abangamakhulu ezigidi etholakele zokuqhuba umsebenzi wenkampani kubhaliswe kungakapheli hryvnia ayizinkulungwane ezingamakhulu. Sekufanele awushiye ngokulungiswa kwemigwaqo imali kalula wangabaza. Ukusho okungaphezulu, bezikhungo ebhange, njengoba inkampani "Air kahle" futhi "trajectory", "Course Kuhle" kanye nabanye abaningi, kwadingeka hhayi kuphela akukho amafa eyisibambiso e lemali ukubolekisa, abazange babe izinkomba, okungase anikezwe imali ukutshala . Lapho indlu kwaba isikhungo esikhulu, Krivoy rog, "terra Bank" bafaka amathemba okusezingeni eliphezulu. Namuhla sekuyinto ithuluzi of zemali, nakuba ngokusemthethweni ukufakazela ukuthi kwakungenakwenzeka.

Yini beyifihliwe zomphakathi?

Ngokusho imithombo ezisemthethweni, ubunzima kuqala ebhange alotshwa 2013. Phakathi nale nkathi, ukulahlekelwa yokusebenza zaba Strand kwezigidi ezingu-22 hryvnia ngenyanga. Into abangaziwa ukuthi ngenxa yalokho, le inzuzo ingqikithi inkampani zaba 1.7 million hryvnia. Inkinga iwukuthi kokulandisa isikhungo sezezimali kwakusala kude ngokoqobo. Ngo-April, National Bank of Ukraine ukwenze investimenti e "terra Bank", exchange rate okuyinto kahle ayehlukile kuzo iminikelo izimbangi '. Umthamo refinancing zaba abantu abangaba yizigidi ezingu-77-hryvnia. Ngesikhathi esifanayo amabhange ozama sonke isikhathi ukukhokha duty isimo ukwethulwa ekuphathweni zesikhashana. Ngisho nangaphambi kokuba ukwethulwa isisebenzi sokuphatha ekuphathweni iye zalungiswa. Zachithwa cishe wonke amalungu ebhodi. Imizamo uthengise isikhungo sezezimali ngesikhathi kunezinkinga zehlulekile.

kufanele wenze njani?

Isizathu esiyinhloko izinkinga yebhange - inkinga imali illiquid izinkampani kwenyunyana. Ngokusho umbusi sichithiwe we Bank of kwezigidi ezingu-320 ukulithola ukubolekisa, 80 kuphela okubuyisekayo. Ngakolunye, ungavele uyikhohlwa. Kuvela elinye iqiniso elithakazelisayo wukuthi inkampani uyasho ngokuphelele wanyamalala. Abaningi azinalo izinsiza zabo kuyi-Internet. Amahhovisi bhalisiwe efakwe ohlwini e-izincwadi ezithi babhalisiwe abekho. Futhi ezinye inkampani nayo yonke babhaliswa kukheli elifanayo. Kakhulu ukukhwabanisa uhlelo ebusweni. NBU ngandlela-thile ukuqeda imali amakhasimende, kufanele uthathe izinyathelo ezisebenzayo. Lapha sikhuluma mayelana invalidation zokukhokhelwa mayelana nesigameko okwedlula umkhawulo wesikweletu, noma ngenxa yokuntula ilungiselelo elanele amabhizinisi ngokwezimali. IMF nokuphatha zesikhashana kufanele eduze babambisane ukuxazulula umbuzo isinxephezelo zimali.

Kungakhathaliseki isimo "Kristalbank" ukulungisa?

Ngemva ukutadishwa isimo, kwanqunywa ukwakha isikhungo zesikhashana wezimali "Kristalbank", okuyinto esikhathini esizayo kufanele ukuqeda zonke amaphutha "terra Bank" ubuholi. Le phrojekthi luyasetshenziswa ngaphansi ukusekelwa imali Isikhwama isiqinisekiso sabantu zemvelo enikeza ithemba zimali ukubuya izimali zabo. Inhlokodolobha ogunyaziwe nezikhungo zesikhashana FGVFL waletha abantu abangaba yizigidi ezingu 1,522 hryvnia ngokona zimali. Lona inani 2015 kuyakuba libuyiselwe imali ngokuphelele. Lolu hlelo empeleni esasisesisha-Ukraine Isiphelo sakhe embuzweni. It is for ethile eyaziwa kuphela iningi abanikeli asebenzayo ukuthola izinkokhelo zabo, ngisho ngaphandle umkhawulo wesikhathi. Active ukuchuma isikhungo sezezimali ezintsha Luzoqinisekisa ukuthi zonke izibopho kakade wahlangana ekupheleni 2015 bonke abantu. Ngokuvamile, le FGVFL isekela amabhange ngu-50, ukuze isibalo esikhulu zimali nethuba zokufuna imali yabo.