Bank "The Messenger": iingxaki, izigxeko-ncomo umthengi

JSC "The Messenger" - le yenye yezona zinkulu amaziko amatyala kwinqanaba federal eRashiya. Imbali yeziko mali amancinci kwaye iingcambu zawo ngo-2010. Ngelo xesha, iqela "The Messenger" Inkampani asayina isivumelwano with "Promtorgbank" kwi ukuyilwa kwiziko esibumbeneyo ezinkulu zezimali. Bank "The Messenger", le ngxaki ayinandaba sikwinqanaba lokuqala yobukho, ngoko nangoko emva kokuvela thaca yimveliso ezintsha kurhwebo lwezimali - ikhadi lebhanki, "The Messenger", asukela obuziintlobo ezininzi iziphakamiso yaye yatsala umdla entlanganweni.

indaba

"I-Messenger" Bank (Moscow) aqalise ukusebenza ngo-2010, kodwa isakhiwo umthengi njengelifa neqabane emntwini JSC "Promtorgbank", neyasekwa ngowe-1992. Organization ababekolo didi amashishini naphakathi ukuba zibanga ekukhonzeni iinkampani mveliso norhwebo. Amava ngentsebenziswano namaziko yayintsha, kodwa iluncedo kakhulu. History of "The Messenger" iqela leenkampani enemvelaphi yayo 1995. Eyona obungcali ezingundoqo kwamashishini kunye kule mini ayiguquki: abathengisi elektroniki, ukuphunyezwa kwe zonxibelelwano kunye nezixhobo zekhompyutha. Bank "The Messenger", amasebe kuyo utywala emideni yonke eRashiya, ngoku inika abathengi zayo uluhlu olubanzi lweenkonzo zemali kunye Vantshwa credit cards ebandakanya. Amanani abaxhamli beenkonzo zeli ziko unamalunga 3 amawaka lweeklayenti ezikushishino ezivela kumacandelo ahlukeneyo ezoqoqosho. Inani abathengi ngemiyinge emincinci sele yafikelela kubantu 1.5 million. iinkonzo zebhanki Standard ngohlobo zokuhlala kunye nemali imisebenzi, mboleko kunye needipozithi ukuba zincediswe iinkonzo ukuyicazulula kunye lizuza.

"I Messenger" namhlanje

Bank "The Messenger", ingxaki leyo iye yavela ngokwentelekiso kutshanje kwaye akukhange kube nefuthe onzima kwimisebenzi iziko-mali iqukiwe iibhanki Russian TOP-50. Zonke needipozithi zebhanki kuqinisekiswa inkqubo inshorensi idipozithi. Eyona nto iyimbalasane kule uluhlu lweemveliso inkampani iye imephu "The Messenger", apho kuye kwahlanganiswa ngempumelelo izakhono kunye namakhadi emali. Ukuba balance ikhadi uya esisigxina asethi, ziya kuhlawuliswa% inzala-10 kuyo. Kuba yonke into wekhadi ifumana iibhonasi. umda Credit kule hlobo imveliso 250 lamawaka engange. abathengi Ibhanki nga azuze yokugqibela kwenye yezi ofisi ezininzi. Kuba bonke nkqu imbali emfutshane ebhankini, "The Messenger" (St. Petersburg) khange izikhalazo ezivela kubathengi. Umgangatho wenkonzo ibisoloko ngaphezulu. ngexesha lokugqibela ukubhavuma kubangelwa yinto yokuba iziko ubeke imida etsalwe imali, oko olunamagama izenzo kontanga yayo, ngubani na ndayihluthwa mvume, kwaye sele seziqalile lomqhubi.

I harbingers lokuqala intlekele

Ngokutsho abathengi kunye, kunye neengcali emarike zezimali, "The Messenger" ibhanki waqalisa ukuba iingxaki ngexesha xa kwagqitywa ukunciphisa semali ezinokuthi ingakhutshwa an ATM. Ngokuhambelana kunye ezintsha, e-ATM zombini ebhankini, yaye nezithintelo amaqabane. Abathengi nga imali ngamini-nye kungekho ngaphezulu kwama-25 amawaka engange. Ukudluliselwa kwemali evela ikhadi lebhanki nge P2P-inguqulelo kufumaneka kuphela ngo-mali esingekho ngaphezulu kwe-5 lamawaka engange ngemini. Kuqaliswa imiqathango ethile kwiindidi zodluliselo zizodwa ngekhompyutha, leyo ukudlula ubungakanani amawaka 50 engange. Kuphela ulwalathiso ukuba akukho kukhawulelwe imida - ngayo intlawulo ukwenzela ukuthenga iinkonzo usebenzisa namakhono QBank ebandakanya.

Yintoni kutshiwo eendaba?

ulwazi ngokubanzi ukuba ibhanki "The Messenger" Isebe lugubungela kulo lonke elo lizwe. Ngokutsho manual, le ndlela nokuhlengahlengiswa imisebenzi ibhanki iya kuqhubeka isabelo yengonyama-mali yawo. Ngokutsho ulawulo, ezi zenzo akuyi kuchaphazela umgangatho wenkonzo lwabaxhasi kule ngingqi, ekubeni phantse abayi ukuya kwii-ofisi kunye nokusebenzisa ezinye uthelelwano kunye kwiintengiselwano. Uninzi abathengi zamaziko zemali oyikholelwayo ukuba, ngokunxulumene amanyathelo ezinjalo esithathwe ubunkokheli, kwixa elizayo, iziko yezimali nazo lahlukene, njengoko kunjalo ebhankini "Trust" okanye ukurhoxiswa kwelayisenisi. Okwangoku, "The Messenger" Iindawo ofisi bank ezithe zehla kakhulu kwiminyaka yakutshanje, yayibaleka kwimo eqhelekileyo, njengoko ufakelwe izilungiso, kunye neendawo ikhokela ngokusemthethweni ubhengeza ukuba ayikwazi ukuba ukurhoxiswa-mvume kunye ukuvalwa nentetho. Ulwazi avuza kumajelo eendaba ekupheleni kuka-2014, malunga lahlukene ezizayo, xa isicelo nokuphatha, ayiqinisekiswanga nje kuphela, kodwa wakhanyela ngokusemthethweni. Inye kuphela ufuna "The Messenger" iingxaki zokuswela amandla yibhanki leyo bamangaliswa - le mali ukuba kuqheleke. Le ncwadana ithi kukho iziphakamiso ngokwaneleyo ithemba.

Imida credit cards - oxygen okanye into ngaphezulu kakhulu?

"I Messenger" liye ukuncitshiswa esebenzayo i kwiziqingqo ikhadi lamatyala. Ngaphambili 99% ye izivumelwano mboleko enikwe kubathengi kuhluka asukela kwi-10 lamawaka 150 lamawaka, namhlanje libe lelona ubungakanani yangoku ityala. Guide uchaza ukuncitshiswa imida utshintsho iindleko mali. Lungisa la iimeko ixabiso abolekisa kubaluleke kakhulu ngokunxulumene ixabiso elikhoyo yomtsalane eyinkunzi. "Lokucheba" ekuqaleni baboniswa mboleko Nonrecycled kunye nokusetyenziswa zero.

Yintoni abaxhasi bathi ngokwehlisa imida?

Emva ibhanki "The Messenger" (St. Petersburg) yaba imida yokutrima, abaxhasi baye basabela imeko isixa emininzi reviews ezimbi. Ngaphandle kwento yokuba bank wathini uwashiye% 5 kuphela mboleko, yomtshangatshangiso wobhavumo wavuka elikhulu kunene, ekubeni isigqibo eso sathathwa unilaterally. Buyela ukuba ibhanki umda enye, kuza kuxhomekeka oko kuya ngakumbi imeko yezoqoqosho kweli lizwe. Eziliqela kwiibhanki bajamelana neengxaki. Bona emsebenzini nemisebenzi yabo, belinde utshintsho kule meko, njengoko elibukhali outflow of capital ingaba izigqibo kwixesha elizayo izikolo.

Ukuvalwa abasebenzi zikawonke

"I Messenger" Iindawo ofisi ebhankini owawa kabukhali, lokuvala amasebe kungaphelelwanga koku. Xa zizonke, ukususela ngoJanuwari ukuya kuMatshi 2015 abasebenzi kwiziko lemali lehle nge-27%. Yokuqala ngo-Apreli 2015 inani labasebenzi yebhanki ngo-1406 ekwafanekisa iingcali. NgoJanuwari kulo nyaka, eli nani elungelelene 1,921 amawaka. Ngokubanzi, kulo nyaka, inani leengcali lehle nge-36% kwi ebhankini "Messenger". Ngokuphawulekayo ukunciphisa ubungakanani umvuzo ihlawulwe. Kwikota 2015 abasebenzi iziko mali yokuqala iye babhala million 25.2 engange. Oku malunga ne-27% ngaphantsi kwe xesha linye kunyaka ophelileyo. Sibone ukwanda ukufana ngeentlawulo zentlalo, leyo lenyuka ukuya kwizigidi 123,5 engange ukuya kwizigidi 4.1 engange. iziko Credit luhlangabezana neengxaki ezithile zemali ukususela ekupheleni kuka-2014. NgoAprili 16, ibhanki yi-Central Bank anikwa umlomo nokwamkelwa iidipozithi ezintsha, njengoko ka-Aprili 1, iziko zemali yokuyekelelwa imigangatho ezinkulu ukwanela ngokungqinelana nemigangatho yolawulo.

ukwala Ibhanki ukuba ukuhlengahlengisa ityala

Kude kube lelo xesha njengoko baqalisa ukuvala ofisi, ibhanki "The Messenger" Abaxhaxi abaninzi ubufanasini macala onke. Kukho abantu ngenkuthalo wabhala ukunyaniseka intlonipho yabo nangenxa abathengi, leyo akakho kwamanye amaziko ezinkulu zemali. Ugxininiso yabekwa lombutho ukunyaniseka kunye iintlobo zemveliso, nebonelela scheme ubambiswano. Ukususela ekuqalekeni ubunzima, ngokutsho ingxelo yabathengi, zengqondo ziye zatshintsha kakhulu. Ngoko ke, omnye kubaxhasi ngokunxulumene nokulahlekelwa umsebenzi isicelo sohlengahlengiso lwamatyala. Ngokutsho kwakhe, abameli ibhanki akazange aphendule nayiphi na izibheno eziliqela. Ngenxa yoko, umfazi uthi malunga nobungozi rhoqo labaqokeleli emnxebeni neefowuni bothersome bonke abahlobo bakhe. Yena uceba isibheno kwi-ofisi yomtshutshisi kunye ibango elunxwemeni. Chaza imeko efanayo kunye nabanye abantu abaninzi abaye bagqiba ukwenza okufanayo.

Yintoni na zimali?

"I Messenger" needipozithi zebhanki yamkelwe ngaphambili ngamandla amakhulu, ngoku ayisebenzi kule ndawo ngokunxulumene umyalelo we-Central Bank. Ngenxa oku, iimbono umxhasi zihlukaniswe. Kukho iindidi ezimbini zabantu. Abanye abantu bazama ngokunzima aqokelele imali ebhankini, nto leyo ebangela yesambuku olomeleleyo kwandisa meko. Iqela lesibini abathengi kunye emihle, ngokutsho kubo, ubuhlobo kunye kwiziko zemali akayi ukuthatha nawaphi na amanyathelo. Abantu banethemba ukuba mvume bank "Mthunywa" leyo okwangoku asasebenza kusinda ubunzima bokwexeshana kufutshane elizayo ngempumelelo ukubuyisela umsebenzi mimiselo. Kugxininiswa into yokuba ngenxa nokuphelisa kwemali kwiziko lemali kufuneka ibuyiselwe kwi-Arhente Insurance idiphozithi. Iingcali bacebisa amanyathelo kwabo mali sedipozithi sidlula million 1.4 engange, kuquka ngokwalo dollar.

"I Messenger" waba phakathi kwamaziko wakhathazeka

Ekupheleni kuka-2014 kwaba nzima ngakumbi ngalinye iziko lemali. iingxaki zebhanki ziye zenzeka emideni yonke Russia. Nangona nothungelwano olubanzi-ofisi, kwaye ububanzi bomsebenzi, "The Messenger" waba phakathi kwamaziko zebhanki ziinkathazo. NgoNovemba 2014, elo ziko zemali ngoku- esengozini ungonakala. Ngokuphindaphindiweyo nexesha ezazifakiwe, ngoko ngenkwenkwezi ukuthotyelwa umda kwi amakhadi ebhanki. Ekuqaleni, imida Mthetho kunye namhlanje, imiselwe kuphela ngexesha leeholide Christmas bangene. Panic phezu inxalenye ngabathengi ukugcina imali yabo kwiziko mali enxulumene kakhulu nesibakala sokuba ngenxa yentlekele, ivaliwe ngaphezu kwe-100 iibhanki.

amathuba ibhanki ngo-2015

Ngubani na ukuba uthi, "The Messenger" Bank ivaliwe okanye hayi, kuyingxaki, kodwa enyanisweni yokuba iingxaki zokuswela amandla ngenxa amanyathelo olwenziwe ngabalawuli izicacele. imeko Foreign yoqoqosho oluqhelekileyo icebisa ukuba kwixesha elifutshane imeko akayi kutshintsha. Nangona ukwanda mali lwemirhumo inshorensi ukuya kwizigidi 1.4 engange, nencindi mali evela kwiziko-mali iyaqhubeka, nto leyo enokukhokelela ungonakala. Khumbula ukuba ifakwa "Mthunywa" wayeka ukuthatha ngokomyalelo Central Bank of the Russian Federation, leyo kwanciphisa imithombo wemvula lo mbutho. Kukho ulwazi malunga phambi ityala boMbutho abasemagunyeni rhafu kwisixa-mali 1.2 billion engange le, ngelixa intlawulo abatyalwayo ogama ubalo kube nzima, kuba imali yetyala lingaphezu amaxesha 2.5. ulawulo Ibhanki sele isebenza ukuzinzisa umsebenzi weziko, nto leyo enika ithemba ukuze kubuyiselwe ukusebenza obuqhelekileyo "Ukunamathelana". Ukwenza iingqikelelo kusekwangoko kakhulu, nto ihlala kuphela esweni imeko.