Reviews. "RosinterBank": madipoziti, ngongole

Ndi momwemo zinachitika kuti pamene pakuika ndalama zawo, ndalama ambiri samalingalira mbiri ya bungwe chuma ngakhalenso kusanja ake pakati pa magulu ena ngongole. Koma, mu kuchita, Chiwerengerochi si nthawi zonse chizindikiro cha kudalirika kwa gombe. A chitsanzo chapadera ndi "RosinterBank". Mavuto ndi utsogoleri wake anayamba ndithu mwadzidzidzi. Werengani zambiri za banki mavuto ake ndi mavuto amene anakumana nawo, kukambirana pansipa.

Panalibe zizindikiro za vuto: mfundo zowombetsa mkota za banki

"RosinterBank" - ndithu wamakhalidwe malonda banki kugwira ntchito mu msika Russian chuma kuyambira 1990. Popeza kutsegula ake, si monga yokonzedwa, komanso kupereka chithandizo zonse kwa anthu a kampani, waung'ono, sing'anga ndi lalikulu mabizinesi.

nthambi maukonde ake potsirizira pake anakalamba maofesi 40 imapezeka Tyumen, Yekaterinburg, Yaroslavl, Nizhny Novgorod, St. Petersburg, Kazan, Krasnodar ndiponso mizinda ina ndi zigawo Russia. Choncho anayamba apeze patsogolo "RosinterBank" Moscow anakhalanso iye mudzi waukulu komwe banki inali ndi ofesi yaikulu.

Mphotho ndi mabonasi banki

Ngakhale mpikisano mwachilungamo lalikulu mabungwe ena malonda, "RosinterBank" anapitiriza kukula ndi kukhala. Ena Patapita nthawi, ndi bungwe ndalama wakhala akulandira maulemu, mphatso ndi mphoto. Mwachitsanzo, osati kale litali, utsogoleri wake mphoto koposa mwa gulu la "chikhalidwe wokonda banki" inali kuperekedwa, koma chimodzi cha ziwalo bolodi anali kupereka mphoto yaikulu "kwa zopeleka ku kakulidwe ka kulemba ndalama ana ndi achinyamata."

"RosinterBank": Muyezo

RosinterBank mwamsanga odziwika ndi otchuka bungwe ndalama. Komanso kukula kwa chuma chake, iye analowa pamwamba 70 mabanki waukulu mu Russia. Kenako, m'gulu anapita pamwamba 10 pakati pa magulu a zachuma, wotchuka chifukwa utumiki wake wopanda chifukwa makasitomala. Komanso ntchito kwambiri a ogwira ntchito ku banki ndi makasitomala kuzindikiridwa poika kampani mumaikonda pamwamba khumi mu "Kukonda Anthu". N'zochititsa chidwi kuti mwa flagships pamwamba ndalama "RosinterBanku" analephera unakhala kuchokera 2014 mpaka 2015.

makhadi ndi mankhwala ena banki

Isanafike oyamba utsogoleli wogwirizira, monga umboni zambiri, "RosinterBank" chinkhoswe mu kukongoza mabizinezi ndi mabanja. Mwachitsanzo, munthu wa malonda otchuka a banki akuti ndi ngongole kwa maphunziro. Atatero, ophunzira ambiri amatha kulipira maphunziro ku yunivesite. N'zochititsa chidwi kuti pulogalamuyi ndi opareshoni pa thandizo ena a boma ndipo anali otsika pa nthawi imeneyo, chiwongola dzanja - 7.6% pa annum.

pempholo wina zopindulitsa banki "Khulupirira kubweza ngongoleyo", imene mlingo analinso m'munsi (11,5-13,5% pa annum) kuposa mankhwala ofanana ngongole anayamba kumabungwe ena ndalama. Mawu, "RosinterBank" - wokongola tariffs, ndi zimene zimasiyanitsa mabungwe a zachuma.

Kodi anthu ananena za banki?

Akukhulupirira kuti kale kupempha bungwe aliyense ndalama, kuphunzira ndemanga wosuta ayenera choyamba mwatsatanetsatane. "RosinterBank" - bungwe ndalama agwira ndi kuntchito, kotero pano omwe ambiri ku Russia. Mwachitsanzo, munthu ayenera kunyenga zosiyanasiyana lalikulu la mankhwala ngongole ndi mapulogalamu gawo. Wina ankakonda zinthu yabwino kwa madipoziti mokhulupirika zofunika kuti achire oyambirira ndalama padera.

Koma wina mosangalala analankhula za utumiki kwambiri adalandira pa ofesi, yomwe ili mu msewu Kondratyuk, anthu d 3, ndipo mu dipatimenti pa adiresi zotsatirazi :. Moscow. Str. Maclay, d. 55.

Ena mwa ndemanga za mabanki, Mosiyana, muli nkhani akulira za utumiki zoipa, zimene zinachititsa kuti chiwerengero cha ndalama zina pa mbali kasitomala. Mwachidule, maganizo a ntchito banki lomwe osiyana, komanso makasitomala okha.

"Chokoma" ndi kumuyesa chopereka Bungwe Loona za

Komanso mankhwala ngongole anapereka "RosinterBank" madipoziti anthu. Monga zinachitikira ngongole mapulogalamu gawo ankayembekezera ziwawa chidwi ndi zinthu wokongola kwambiri kapangidwe. A chitsanzo chapadera ndi zopereka posachedwapa yakuti "Tchutchi +".

Malinga ndi mawu, kuziyika izo zikhoza kukhala mu ndalama m'banja kapena lachilendo kwa zaka 100 ndi 550 masiku. The chiwongola dzanja pa zopereka Ruble anali 10.5-11.5%, ndi ndalama zakunja - ndi kwa 0,8 kwa 2.4%.

N'zochititsa chidwi kuti ndalama ya ndalama chidwi mwezi accrued pa nkhani zake khadi, amene linatsegulidwa iye "RosinterBank" (layisensi, ndi njira, banki sanabadwe kudzipatula). Ndipo Chofunika, kuti "Tchutchi +" anavomereza kuti achire oyambirira ndalama mu osiyanasiyana 30% kapena 60% wa mtengo amodzi zopereka. Ndipo, ndithudi, gulu pulogalamu angathe kukuthandizani kukhala mwini osangalala mphatso Voucher kuchuluka kwa 20 000 rubles (pa nthawi ya kulimbitsa wa mphatso ku banki). Nyimbo yomweyo, osati kupereka!

Wina "chokoma" Bank maganizo anali pulogalamu "Ankanena Zokhudza Zinthu Zakuthambo". Ndipo ngati poyamba, iye ankaganiza mlingo wa 10% pa annum, ndi kuyandikira kwa chilimwe kuyambira mlingo linakula 12%. A gawo "N'kopindulitsa +" poyambirira wotwaliwa kwa anthu onse amene akufuna kuti aganyali ndalama zanu pa 14% pa annum.

Chifukwa, ndi woyenera malonda malamulo, kukopa anthu nthumwi za malonda, chabe anataya tcheru. Iwo apatsidwa ndalama mwakuwoneka odalirika bungwe ngongole, ndi CB "RosinterBank" mwankhanza analephera. Kodi chachitika kwa iye? Ndipo kodi chifukwa cha mavuto ake?

Ndi zotsatira zimene zinachitikira banki?

Wina September 9 oimira banki kufuula mokweza za khadi lake latsopano ngongole, cholinga kwa aphunzitsi. Koma masiku angapo apitawo, ofesi ndi onse dipatimenti analipo a mabungwe a zachuma anali mwadzidzidzi kutsekedwa. Webusaiti Yovomerezeka ya gulu rosinterbank.ru anasiya ntchito, ndi otentha mzere foni - olumala.

Chifukwa cha zimenezi, ambiri depositors ndi makasitomala a banki panali mantha. Ambiri a iwo anayamba kulemba anakwiya mayankho ( "RosinterBank" - bungwe chuma, ntchito ndi amalonda, ndi anthu), kufunsa mafunso. Ndipo ngakhale ena kubwera ku ofesi m'chigawo chapakati ndi anayesa kugwetsa mipiringidzo akufuna chilichonse chinali kuti mkati nyumbayi. Koma onsewo anali ndi chidwi funso zikuluzikulu: "Nchiyani chinachitika?".

bokosi lamaliro A chinatseguka

Kuleza mtima, makasitomala alakwitsa "chete" banki, potsiriza mayankho. Mwamwayi, "RosinterBank" (zopereka apa zikhoza lidatseguka ndalama zakunja ndi zoweta) wakhala inaimitsidwa ntchito yake chifukwa Bank ku Central wa ziletso. Ndiyeno, anafotokoza zimenezi ngati muyeso yokakamiza, umalimbana kudziŵa kwenikweni chithunzi cha ndalama kubanki.

Malinga yang'anira lipoti kuti "RosinterBanka" pa nthawi imeneyi anali chimatanthauza wosakhazikika ndi moyo. Ndipo popeza ndi kuopseza mwachindunji ndalamawo ndi depositors, ntchito yake nthawi ya kuyendera anaganiza kuti asiye.

Mawu oyamba a utsogoleli wogwirizira

Chifukwa cha zimenezi, Kuthi Bank ku Central Akuluakulu a ku Russia mu "RosinterBank" (vuto apa anayamba posachedwapa kwambiri) polima Boma zosakhalitsa. Pa nthawi yomweyo chotero udindo anali pamodzi analipereka kwa oimira okayikitsa (Gawo Insurance Agency). Mphamvu za Ngopambana ndi ma sheya hoda wa bungwe ndalama yochepa inaimitsidwa.

Dongosolo zosakhalitsa banki anasankhidwa kwa miyezi sikisi ndipo anayamba ntchito yake pa September 15 chaka chino. zambiri, monga anthuwa, gombe akadali anazisindikizitsa pa webusaiti ake Lachinayi. Kuyambira nthawi imene yakhala wolemala dongosolo la malipiro a pakompyuta ndi makadi amene achoka anakhalabe pa malo a gulu la ndalama. Koma ndi chifukwa chiyani wosakhutira kugwirizana yang'anira?

chifukwa cha sakhulupirira Bank ku Central chiyani?

Malinga ndi umboni zambiri, "RosinterBank" osati anatsogolera yayenda kukongoza malamulo, koma mosabisa Khimich ntchito madipoziti. mfundo zofanana za banki zikutsimikiziridwa ndi gwero pafupi yang'anira lapansi. A nambala yaikulu nkhani anatuluka Bank ku Central chifukwa cha mkhalidwe wa ngongole opangidwa ndi kukopa ndalama za depositors wa bungwe ngongole.

Mwamwayi, deta boma operekedwa ndi yang'anira ndi "RosinterBankom" zaka zambiri chofanana malamulo anakhazikitsa. Komabe, ziwerengero weniweni, monga ochita chipikisheni akhale apamwamba. Mwina choonadi ichi. Woweruza, onse kotala poyamba, malingana ndi kafukufuku zosavomerezeka pa mtengo wa ndalama anakweza analipo 13.5% mu mawu pachaka. Koma chifukwa cha ntchito imeneyi kwambiri osati zimaonekera zikalata kubanki. Izi zikutanthauza munthu kuti dongosolo ngongole ndi mthunzi kusewera ndi kugwirizana ndi kugula ndalama n'ngwokayikitsa yekha.

Interbank ndalama ngongole

Imodzi ndi Dziko zolembedwa za, "RositerBank" chinaoneka mwa obwereketsa zikuluzikulu mu interbank msika. Malinga ndi malipoti kuyambirira, pa chiyambi cha August okwana popezera mpata chiŵerengero mabungwe ndalama zambiri kuposa 30% ya ndalama zonse chabe. Pang'onopang'ono, chithunzi chimenechi chinayamba kukula, monga anthu a banki, zikuoneka, anali kudalira ena pa obwereketsa ndi. Ngati inu mukukhulupirira akatswiri, pamenepo zochita pa gawo la nkhani wobwereka za mavuto ndi liquidity ake. Ichinso kumaoneka ndi ndemanga zambiri za mabanki, amene kale kunena bankirapuse adanyamuka zoterezi.

oimira Bank anakhudzidwa mu otentha

Mwina udzu yomaliza ntchito banki anali bwinobwino chisokonezo chimene posachedwapa unachitikira nthumwi zake. Malinga ndi gwero lake, ndi oyerekeza kuti yang'anira, za ntchito yachilendo "RosinterBanka" mphekesera zosiyanasiyana anali wolimba. Komabe, onani lodalirika awo kapena kutsutsa banki chapakati analephera ina. Mwamwayi, anthu a yang'anira anaganiza kutenga oimira otentha mwachinyengo banki.

Kuti tichite zimenezi, iwo anatumiza ake munthu amene anayeserera kukhala Investor wamba, amene anayamba kuika ndalama pa gawo. Panthaŵi ina yotchedwa "RosinterBank" (nthambi adiresi mu funso, mwatsoka, palibe), n'kunena kuti amafuna nthawi yaitali kupita kudziko lina, ndipo anati za chidwi mawerengedwe.

Patapita nthawi yina, gwero pa nkhani "mishandled Cossack" anali kulemba pa ndalama nth ndalama, ngakhale kuti kwenikweni kanthu ngati iye sanachite. Chifukwa cha oimira banki nayo nthawi yaitali kufotokoza kuti ndodo ya yang'anira a.

Pa nthawi yomweyo anachita kufufuza mwatsatanetsatane zambiri. Amaganiza kuti ena mwa ndalama za depositors, komanso milandu la "Arksbankom" ndi "MOSOBLBANK" mwalamulo paliponse chiwerengero. Pankhaniyi, eni nkhani zimenezi sankakhoza ngakhale kuganiza izo. mfundo zonsezi kukangana ndi zifotokoza nthumwi ya utsogoleli wogwirizira.