Mavuto "MOSOBLBANK": a review wa Chiphatso. Kodi n'chiyani chidzachitikire banki?

Back mu 1992, pansi pa dzina la "Vatan" mu Dagestan Bank unakhazikitsidwa, yomwe kenako anagula ndipo asamukira ku tauni ya Fryazino, Moscow Region. Pa nthawi yomweyo anadzatchedwa ndi "Mosoblbank". Mu November 2011, Bank Central, Federation ndi yoletsedwa iye kwa miyezi sikisi kutenga madipoziti kwa anthu amene si ma sheya hoda wa banki. Koma ndi bungwe ndalama mwachindunji anapulumutsa mankhwala. Mwapatsidwa mwayi gawo lililonse Investor lomwe popanda kufotokoza kuti aliyense chimene chikuchitika ndi "MOSOBLBANK".

Yambani mavuto

Chikusintha liquidity ya gombe, amene anali akwaniritsa kuyamika ndalama anakweza, chidwi cha Bank ku Central la Russia ndi bungwe, limene linapatsa chitetezo cha madipoziti. Mu January 2012, anayamba zikuluzikulu kutsimikiza, amene anathandiza kudziwa machenjerero awa. Zotsatira banki anapitiriza kulera ndalama makasitomala, kupereka munthu wamitengo okongola kwambiri. Mu 2013, "Mosoblbank", malinga ndi mabuku ambiri odalirika, anakhoza kulowa 30 otetezeka mabanki.

Koma pachiyambi cha May 2014 atolankhani inanena kuti nkhani anali kudzipatula biliyoni 60 rubles Mwaichi ntchito ziwembu achinyengo. Ngakhale kuti kasamalidwe ali mlanduwu kukhoti pofuna kuteteza mbiri, vuto ndi "MOSOBLBANK" wayamba kale. May 19 zinadziwika kuti Bank ku Central anaganiza kufunika alowererepo pa nkhani zokhudza banki. Kale 21 M'mwezi womwewo, anaganiza kuchita kakonzedwe kake ka kuchira.

kulambalala ziletso

Back kumayambiriro 2013 'MOSOBLBANK "malangizo chikalata kuchepetsa ntchito - kunali kosatheka kutsegula maofesi atsopano kwa miyezi itatu, ndipo zinthu ndi anthu thupi, ndi ndalama zinali zochepa miyezi isanu ndi umodzi. Ngakhale izi, kasamalidwe bungwe ndalama wokhazikitsidwa njira yapadera imene awiri mlandu zinachitika, panali awiri kufanana bwino pepala. Kuti ndi ntchito zonse zabisika ku Russian Bank Central, "MOSOBLBANK" mavuto kwa nthawi yaitali anatha kubisa.

Chifukwa cha khamu la ndalama anatha kukopa anthu ochokera nkhani 100 biliyoni. Komabe, 1/5 yekha wa kuonekera malipoti operekedwa ndi ndalamazo. Kumvetsa kumene ndalama yotsalayo N'zosatheka. Ndalama padera mu makampani zofunikira, zipatala, mabizinesi osiyanasiyana. banki anali pafupifupi 70 zikwi sq M.. mamita malo ku likulu ndi m'madera ziwembu lalikulu la dziko, nyumba za mzindawo.

Zifukwa konzanso

Ambiri panthawiyo ankaganiza kuti safuna m'lingaliro disassemble mavuto onse "MOSOBLBANK" zimakhala zosavuta kuti asinthe chiwembu chilolezo chake. Koma eni zokakamiza kuika ndalama kubedwa mu katundu amene ali ovuta kuzitsatira. Agency, omwe amachita ndi kubwerera kwa miyala ya anthu, amayenera kubwerera ku depositors ndalama mwachilungamo lalikulu mu rubles - 100 biliyoni, ndi kukwaniritsa n'kosadabwitsa analephera.

N'chifukwa chake ndalama ndalama, anaganiza kuti ndi bwino sanitize "Mosoblbank". Achire chiphatsocho anali sangathe kuthetsa mavuto onse. Koma mu ndondomeko ya kusintha kayendetsedwe ayenera kubwerera chuma pa bwino kwenikweni.

ndondomeko konzanso

Ndi kusankha Bank ku Central a Russian kuchira ndondomeko adabvutika mabungwe a zachuma ayenera kuchitira "SMP Bank". Iye adzakhala wophatikizidwa ndi bungwe la nawo inshuwalansi gawo. Mwa njira, "SMP Bank" zoperekedwa osati mwachindunji kampani ndalama, komanso "Inresbank" ndi "Finance Business Bank". Eni mabungwe onsewa anali Malczewski banja.

Kugwira njira kuchira "SMP Bank" m'dziko la abale Rothenberg, anakonza Kugawilidwa kwanthaka ngongole ndi biliyoni 98,6 rubles Russian kwa nthawi ya zaka khumi. Malinga CBR kukonza mavuto onse "MOSOBLBANK" watsimikiza kuyamba pambuyo "SMP Bank" adzakhala okwanira magawo kusankha kiyi.

Kumene, chipatala chaching'ono mukufuna kuona liquidity banki pa chiyambi cha ndondomeko kuchira kunali bwino, chifukwa banki anali kuchuluka yaikulu ngongole ndi chuma wofooka, phindu ambiri a iwo kunapezeka kuti wovulaza. Koma, Mosiyana, "SMP Bank" anali ukutitsimikizira olembedwa kwa ena ma sheya hoda lakale "MOSOBLBANK" pamaso pa katundu wawo, amene akhoza ataphimbidwa ndi mbali ya mukukwaniritsa.

Tsoka la makasitomala

Kumene, kuphunzira mavuto, ndalama anayamba kudabwa chimene chidzachitikira "MOSOBLBANK". Mwa kusunga mochititsa chidwi wokongola, anayamba kuopa kuti sangathe kubwerera madipoziti awo. Ambiri amada nkhawa za ma sheya hoda masika-day kukhala. Pamene inu kutsegula antchito gawo banki ndipo anapereka kugula magawo a bungwe la pansi chiwembu akhala anagulitsa padziko 3% ya chonse pamodzi. Ndipo 97% ali m'manja mwa "SMP Bank". Nzika ambiri amaopa kuti palibe munthu ayenera kuombola magawo kugula anthu achilengedwe.

Koma depositors wamba chifukwa pang'ono nkhawa. Mavuto "MOSOBLBANK" pang'onopang'ono anathana, malipiro kosamalira ndalama wayamba kale.

Kuyima ntchito

Chifukwa chachikulu chimene makasitomala amachita chidwi ndi zimene zikuchitikira "MOSOBLBANK" anali kuyimitsidwa zosakhalitsa malipiro ndi issuance wa gawo. Komabe, sizinakhalitse, kale Ndagwira adapitiriza ntchito mu June. Komabe, makasitomala ambiri akukumana poponya chifukwa kutsekedwa a maofesi a batire la. Ziribe kanthu mu dipatimenti zimene a banki linatsegulidwa chopereka, ndalama Mudzabwezedwa kwa ziwalo mayunitsi kuphatikana.

Komanso, kasitomala ayenera Musiyeni mavuto "MOSOBLBANK", iwo akhoza kusankha ofesi koyenera iwo (ngakhale zikhale mwa nthambi yomweyo). Nzika iliyonse ntchito angasinthe malo a utumiki wawo.

ntchito Malamulo

A pulogalamu yapadera yapangidwa kuti normalization wa chipatala chaching'ono, amene ayenera kutsogoleredwa ndi "Mosoblbank". Vuto lero, ndithudi, akali, koma ndondomeko kuchira adzatsala ichi kampani ya zachuma ku msika. banki anayambitsa ndandanda wapadera ntchito, zomwe ikuti bwanji nanga ndalama angaperekedwe ndalama depositors.

Chifukwa ndondomeko anavomera kuti opereka madipoziti pasadakhale ndiponso kuchepetsa kukula kwa malipiro a kasamalidwe tsiku akufuna kuteteza mantha ndipo salola nzika kutapa ndalama zonse zilipo nkhani zawo. Komanso mu banki wobvutika chinanena mndandanda wa zikalata kuti anagonjera kwa malipiro. Choncho boma akufuna kuteteza olamulidwa ndi bungwe la ndalama kuchokera zonena zotheka ndi anthu oipa amene akufuna kupindula za moyo yovuta, yomwe tsopano nyumba "Mosoblbank". Mavuto mu 2014 takambirana ambiri, chifukwa okwana iwo uli nawo oposa 300 zikwi. Ndalama.

Kayendesedwe chopezera ndalama

M'dzikoli "MOSOBLBANK" Buku limanena kuti ndalama yaperekedwa pa madesiki ndalama maofesi a tsiku lomwelo. Komabe likukhalira kuti malipirowo ndi bwino kusiya ntchito ndi kugwirizana pasadakhale kuchuluka ndi tsiku chiphaso. Usiku mukhoza kupeza zosaposa 100 zikwi. Mulingo Chachikulu ilipiridwa pang'onopang'ono.

Pakuti malipiro mu rubles pa mlingo wa ku 100 zikwi. Moti kupereka pasipoti. Kuti kuchuluka owonjezera malire ichi, muyenera kupereka mgwirizanowo pachiyambi, limene anapangana ndi banki, ndi zikalata otsimikiza oyamba a ndalama. Koma kuti, ngati kasitomala akufuna kuti mupewe 700 zikwi. Nkhani pa gombe, ndiye ndikofunikira kuti akonze mapepala onse tafotokozazi, kufunsira ndi kukhala okonzeka kudikira masiku angapo. Musadandaule zimene zidzachitike pa "MOSOBLBANK" ndi kuganizira chifukwa iye sapereka chopereka lonse pa nthawi imodzi. zinkafuna amapatsidwa pang'onopang'ono, polandirira msonkho ndalama zonse adzabwera ku banki kangapo.

Features wa ntchito pa nthawi yamavuto

Popeza chakuti Bank ku Central anasankha kuti ayambe kosamalira anati chuma, makasitomala kupitiriza mwachangu ntchito misonkhano ya banki. Mwamwayi zatsiku, anthu ambiri sangachitenso mantha osati kukhala nkhani yofunika kuphwanya pangano gawo, motero akuchuluka zinthu zimene "Mosoblbank". Vuto mu 2014 si zimakhudza zochitika pakati. Iye anapitiriza kukopa madipoziti kwa anthu Komabe, chiwongola dzanja akhala ndikusinthidwa ndi makonzedwe atsopano kuti ndichepe. Komanso mu June inayambitsa ntchito kulandira zofunikira malipiro onse kuchuluka kwa 1%.

Panopa ngongole chikalata anthu, ndipo iwo anapatsidwa kuwonjezeka 35% pa June 2014 kuposa mu nthawi yomweyi chaka chatha. Komabe, issuance wa ngongole ku mabungwe alamulo silinakwaniritsidwe makutu, ngakhale ntchito kasamalidwe ndalama ikuchitika mu buku mofanana isanayambe mavuto.

M'tsogolo, utsogoleli wogwirizira amafuna kuti mukulitse makasitomala ake m'munsi Bank "Mosoblbank". Achire wa chiphatso kwa iwo kupitiriza akonzere woyenera si pangozi. banki akufuna kusintha khalidwe la ntchito osiyana- siyana mabungwe mwakuthupi komanso malamulo, kuonjezera buku okwana wotuluka ku kuchepetsa kuchita ndi bwino kusamala ake. Koma kuchita ndondomeko ya acceding kwa nyumba ina kapena pophatikizana ndi mabanki ena zakonzedwa.