I-Tavrichesky Bank: Ukuphononongwa kwabaTyalo-mali

Ngoku kutshanje, iziteshi zeendaba kunye nokushicilelwa kweendaba zandisa uluntu malunga neengxaki ezinzulu ezijongene neBt. Petersburg Bank, ezaziwa ngabantu kunye namashishini, njengeTavrichesky. Ziziphi ubunzima beliziko lemali kunye neengxowa-mali, zithini iinzame ezenziwa ngabaphathi bakhe ekuphuculeni imeko, zeziphi iziganeko zeengcali kwixesha elizayo kwaye, ekugqibeleni, ngaba bathengi bebhanki bacinga ngani, eli nqaku liza kunceda ukuqonda.

Ibhanki "iTavrichesky": ulwazi oluqhelekileyo

IBhanki yezoThengiso iTavrichesky (OJSC) yasungulwa ekuqaleni kowe-1993, ngo-Ephreli. Ngokuvula kwayo, iziko liyanyanzelekile kumaziko amashishini anesithoba kunye nemibutho, ubuninzi bezona zinto ezizodwa kwimveliso kunye nokuthengiswa kweemveliso kwintsimi yobuchwepheshe obuphezulu. Okwangoku, abanini abamba ngaphezulu kwe-5% yezabelo ngu: O. Yu. Zakharzhevsky, uSihlalo weBhodi yabaLawuli, IV Kuznetsov - omnye wamalungu eBhodi yabaLawuli, uSomov SA, olawula iBhodi yoLawulo, kwaye Kwakhona kwaziwa "IPAREBANK 1 NORD-NORGE ", "West-Invest" kunye "SPIK".

Ukususela ekufikeni kwemarike, i-Tavrichesky Bank iye yaqhubeka ikhula, isanda nje uluhlu lweenkonzo ezinikezelwa kubathengi bayo, kodwa iphinda iqalise ukwahlula amatsha kunye ntsha kwiidolophu ezahlukeneyo nakwiindawo zaseRashiya. Okwangoku, ngaphezu kwe-ofisi eyintloko, eyaziwayo, eSt. Petersburg, inamaqela ahlukeneyo angama-57 , phakathi kweyona nto eyona nto iphumelele ngayo: ibhanki "iTavrichesky" (iSosnovy Bor) kunye namasebe aseMoscow, izixeko Pechora, Arkhangelsk, Cherepovets, Kingisepp, Ukhta, Emva.

KwiTavrichesky Bank, kunye nakwamasebe awo, kunokwenzeka ukukhupha i-credit, amakhadi asebhanki, ukuhlawula iibhili, ukudlulisela imali kuyo nayiphi na indawo ehlabathini, kunye nokutshintsha imali. Abaxhamli beziko lemali kunye namatyala banabantu abangaba ngu-250 amawaka kunye neenkampani ezingama-40 zamawaka.

Ngayiphi injongo eyenziwe yiTauride Bank?

Ukuvula i-bhanki, abasunguli bayo bazibeka ezi zinto zilandelayo:

1. Injongo ephambili yeyiphi na ishishini yonyango lwenzuzo.
2. Ukuqinisa isimo sengqesho semali yabanini-mali kunye nokwandisa ukusebenza koqoqosho lwabo.
3. Ukufaka isandla kwisisombululo semisebenzi esasidinga ukuqwalaselwa kumashishini afayiliweyo, abanikazi okanye abanikazi abanini-mvume abakuyo abantu abakha i-bank yaseTavrichesky.
4. Ukubonelela ngenani labantu kunye namacandelo omthetho ngamasebe enqanaba elitsha ngokusemgangathweni, elihambelana nexesha kunye nokudibana neemfuno zabantwana abathengi banamhlanje.

Ukuvakasha kwimbali

Ekuqaleni kwe-90s ishishini laqala ukukhula ngokukhawuleza kuzo zonke iidolophu ezinkulu kunye ezincinci zaseRashiya. I-St. Petersburg ayikho. IBhanki iTavrichesky, eyasungulwa kwikomkhulu yenkcubeko, ukusuka kwimini yokuqala yokuvula kwayo, igxininise ukuba umsebenzi wayo oyintloko kukubonelela ngeenkonzo ezifanelekileyo zebhanki. Ngexesha elifanayo, kugxininiswe ukuba ubudlelwane phakathi kweziko lemali kunye nabaxhasi balo kusekelwe kubambiswano, intsebenziswano kunye nentlonipho.

Kulo lonke ixesha lo msebenzi walo, ibhanki isoloko isetyenziselwa ubuchwepheshe obuphambili, isetyenzisiwe ngokutsha kwezesayensi kunye nezobuchwepheshe, isiseko senkcazelo yesimanje, esiye savumela ukuba sifumane indlela ethile kumthengi ngamnye kwaye sifumane iindlela zokwanelisa iimfuno eziphezulu. Ukongeza kwi-professionalism yabasebenzi bayo, i-Tavrichesky Bank iqinisekisa umntu osebenza ngokufihlakeleyo ngokupheleleyo kunye nokuthembeka.

Ngowe-1999, ibhanki yaba lilungu lendlela eyaziwayo kunye nokusetyenziswa ngokubanzi kwinkqubo yokuhlawula ihlabathi i-Visa International kwaye, ngokuqinisekileyo, i-MasterCard. Okwangoku, nangona zonke iingxaki ezijongene neTavrichesky, ubuphathi bayo benza konke okusemandleni ukuba bangalahlekelwa yithemba, bathembeke ngokunyanisekileyo kwiminyaka engaphezu kwe-20, kwaye baqhubeke bexhomekeke nakwizinto ezilindelwe ngabathengi abathembekileyo.

Ziziphi iinkonzo ezinokusetyenziswa ngabantu basebhanki?

"ITavrichesky" ilayisenisi yebhanki ayi-2304-inikezela ngabanye uluhlu olubanzi kunabo bonke iinkonzo ezingasebenzisa. Ngaloo ndlela, bonke abantu abanomdla banikwa ithuba lokufaka isicelo sembolekiso, kubandakanywa nemali mboleko, ukuvula nayiphi na uhlobo lwe-deposit - ruble okanye imali yangaphandle - kunye nokufumaneka kokuzaliswa kunye neenyanga zentlawulo, kwisicelo, ukufumana ikhadi lebhanki, apho umnikazi walo, ngokukhawuleza kwaye engenakho ukulahleka, uya kukwazi Iintlawulo ezahlukeneyo ezingekhoyo imali (ukuhlawula izibonelelo, ukuthengwa kwiivenkile zendabuko nakwi-intanethi, uthumele imali kwiakhawunti yakho kwiingxelo zabanye abantu okanye imibutho, ufumane imali Imali). Ukongeza, iPetersburg inethuba elikhethekileyo lokugcina amaxwebhu abaluleke kakhulu kubo, izinto ezixabisekileyo kunye ngokubanzi nento abayifunayo, ukuqashisa ibhokisi ekhuselekileyo ekhuselekileyo. Nokuba le nkonzo inikwe abaxhasi bayo ngeTavrichesky Bank (iSt. Petersburg) iminyaka engaphezu kwe-10. Iingxaki xa kwenzeka ukuba zenze ixazululwe ngokukhawuleza ngenxa yezinga eliphezulu leenkonzo kunye nobuchule babasebenzi. Wonke amaphepha afanelekileyo akhutshwa ngokukhawuleza kwaye kungabikho ukubambezeleka kokungasebenzi okungadingekile.

Iziphakamiso zeTavrichesky Bank kwiimali zonyaka ka-2012

Nangona kunzima imeko yezoqoqosho apho iRashiya ifunyenwe ngenxa yezohlwayo ezisetyenziswe ngamazwe aseYurophu naseUnited States, amaxabiso edizithi awazange ahlawule ngo-2015. Ibhanki "iTavricheskiy" inika bonke abaza kuvula enye yeentlobo ezilandelayo zeentlawulo kwiyiphi na isahlulo sazo:

1. Ukuqokelela (ngenkokhelo yenyanga yentlawulo kwi-deposit) - kunye nenani elincinci le-deposit lama-ruble ayi-100,000, ukuya kwiintsuku ezingama-370, kunye nethuba lokuzaliswa kunye nesilinganiso esifikelela kuma-10.75% ngonyaka.
2. Ukuqokelela (kunye nentlawulo emva kokuphela kwexesha lediphozithi) - iiruble zamkelwa (ubuncinci bentlawulo yi-ruble eziyi-10 000), iidola zase-US (i-$ 1000) kunye ne-euro (engekho ngaphantsi kwe-1000 €). Ixesha lediphozithi liyi-91 iintsuku, kunye nethuba lokuzaliswa.
3. Ukukhawuleza (ngenkokhelo yenyanga nganye kwidiphozithi) - kunye negalelo elincinci lama-ruble angama-30,000. (12.8% ngonyaka) okanye i-$ 1,000 (3% ngonyaka) okanye i-euro eziyi-1 (kunye no-3% ngonyaka). Idizithi yedizithi yimihla engama-91.
4. Ukukhawuleza (kunye nentlawulo emva kokuphelelwa kwedipozithi) - kunye nenani elincinci legalelo kwi-ruble - 30,000 (13.8% ngonyaka), kwiidola zase-US - 1000 (3.5% ngonyaka), kwi-Euro-1000 (i-3.5% ngonyaka) . Idizithi yedizithi yimihla engama-91.

Kwakhona, oosomashishini ngabanye kunye nemibutho banokufaka isicelo ngolwazi malunga nemimiselo neemeko ezenziwa yiTavrichesky Bank kwiifomethi. Iimali zeempahla ezisemthethweni zigcinwa kwi-ruble, iidola ze-US kunye ne-euro, kwaye ixabiso lentengo lixhomekeke kwisixa sokuthi idiphozithi yokuqala kunye nobude bediphozithi (ngokuqhelekileyo ukusuka kwiinyanga ezintathu ukuya kwezi-12).

Yintoni ibhanki "yaseTaurian" enokunikela ngamashishini angokomthetho?

Wonke umntu ozithengisayo uyazikhethela ukujongana neziko elithembekileyo lemali, athembekileyo kwaye ujabulele idumela elihle. Oku, phakathi kwezinye izinto, i-Tavrichesky Bank. Ii-deposits zabantu - kude nantoni na into anokunika abaxhasi bakhe. Ibhanki iyakhathalela iimfuno zamashishini amancinci, aphakathi kunye namakhulu. Ngaloo ndlela, kumashishini omthetho "iTaurian" inikeza ithuba lokusebenzisa le iindidi zeenkonzo:

1. IiNkonzo zokuhlala kunye neeCash (CSC) yinkonzo enikezela ukuvula iibhanki kwibhanki apho abathengi banokufeza ukuthengiselana kwemali, ukuguqulwa kunye nokuthengiselana kweencwadi, ukubhalisa iincwadi zokujonga, ukulawula i-akhawunti yakho siqu, kude njalo.
2. Imisebenzi equka ukukhululwa, ukuthengiswa, ukuhlengwa, ukutshintshisana, ukubambisa kweebhili. Siya kukhumbuza ukuba umthetho-mali ukhutshwe kwiifom, apho ukhuseleko olukhethekileyo lusetyenziswa kwindlu yokushicilela. Kumnini-bhili-mali, ibhanki izimisele ukuhlawula inani lemali-mali, kubandakanywa isaphulelo, ekupheleni kwexesha eliboniswe kwikhuseleko.
3. Ukubhaliswa kwamakhadi ezinkampani kunye nomvuzo onokuhlawula ukuthenga kuzo zombini kwintsimi yeRussia Federation nakwamanye amazwe, ukulawula uhambo lwezorhwebo kunye neendleko zoshishino, ukufumana umvuzo, njl njl.
4. Ukufumana ukunikezelwa kwamashishini afanelekileyo kumashishini okanye ukubonelela ngeenkonzo ezahlukeneyo zoluntu.
5. Ukulawulwa kwemali yinkonzo ehambelana nokuziphatha kwemisebenzi yangaphandle yezoqoqosho yoshishino okanye intlangano, kunye nokuziphatha kwemali-mboleko kunye nokulungiswa kwemicimbi enzima yemali efuna iingcebiso zeengcali eziphezulu.
6. Iinkonzo zokurhweba - ukuvula kwaye, ngokufanelekileyo, ukugcina i-akhawunti ye-brokerage.
7. Iinkonzo zentlawulo - ukuvula kwe-akhawunti ye-depo kunye nolawulo lwayo.

Zonke ezi nkonzo zingasetyenziswa ngokuqokelela iphakheji efunekayo yamaphepha kunye nokufaka isicelo esifanelekileyo kwibhanki "iTavrichesky". Ingxelo yomthengi kwinqanaba lenkonzo kunye nomgangatho womsebenzi owenziwa ngabagqwesileyo baninzi kakhulu. Ibhanki iqinisekisa uncedo kunye nesisombululo esiphuthumayo nayiphi na, kwaneengxaki ezinzima kakhulu.

Isicwangciso sophuhliso lwebhanki sicinga ntoni?

Ingqwalasela ingakumbi kufuneka ihlawulwe kwisicwangciso sophuhliso esilandelwa yiTavrichesky Bank. Uphononongo lweengcali malunga nalo - ngaphezu kwayo yonke indumiso. Ukuze kungabi nasisiseko, ku funeka kuqatshelwe ukuba izicwangciso zolawulo malunga nexesha elizayo ziquka imisebenzi efana nale:

• Ukuphakamisa izinga lobugcisa lazo zonke iinkqubo zeebhanki;
• Intshayelelo kunye nophuhliso lweefom zeenkonzo eziphambili;
• Ukuphuculwa kwenkonzo "yebhanki ye-intanethi";
• Ukuvulwa kwezigaba ezintsha zakhiwo;
• Ukwandiswa kobuchule bemisebenzi yamasebe asele ekhona;
• Ukuphuculwa kwezixhobo zokusebenza zobugcisa beendawo zokusebenza emsebenzini wabasebenzi beebhanki;
• Ukwandiswa kwenkunzi ngokukhupha izabelo.

Isicwangciso sophuhliso, nangona zonke iingxaki ezikhoyo namhlanje, zihlala zikhokelwa ngobunkokeli bebhanki yaseTavrichesky. Ukutshatyalaliswa kweentlawulo, okuye kwaxoxwa malunga nangoko kunje, kugxininiswa kakhulu. Ubuncinane, ngoko bathi abaphathi abanini-mali abakhulu beziko lezemali, kwaye abathengi abahlala rhoqo bebhanki baxhasa le ndawo kwaye musa ukukhawuleza ukutshintsha iqabane kunye nabo baye babambisana ngokubambisana iminyaka emininzi.

IBhanki iTavrichesky: i-bankruptcy okanye i-sanation?

2014, ebangelwa uchungechunge lwezohlwayo zoqoqosho olubhekiselele eRashiya, luye lwaba luvavanyo lwangempela kwilizwe lonke. Inxalenye enkulu yabemi baseRussia Federation ibhekene nobunzima bezezimali. Iingxaki ezithintele icandelo lasebhanki lonke laseRashiya azizange zishiye eceleni kweTavrichesky Bank. Iingcamango ngegama elibi malunga nemisebenzi yakhe yaqala ukusasazeka ngejubane elikhulu. NgoJanuwari kulo nyaka, inkcazelo yenkcazelo yenkcazelo ephakamileyo yenkxaso-mali yeziko lezemali lafikelela kwizinga elibalulekileyo, elifikelela kuma-10.7% kunye ne-10% evumelekileyo. Ulawulo lweTauride luzama ukuphucula imeko ngokubhetele ngakumbi ngokuboleka kunye nokongeza kwezabelo. Nangona kunjalo, iingcali zithemba le mizamo, kwaye izibikezelo zabo zididekile. Kuze kube kutshanje, umbuzo webhanki "iTavrichesky" ilindele - ukurhoxiswa kwelayisenisi okanye kusekhona isanti-ixoxwa ngokubanzi. Iimbono, njengesiqhelo kwiimeko ezinje, zahlula. Abo baxela ukuba kwakungekho ncitshitshisi ephendukile. Oku kwaziwa ngo-Matshi 13 kulo nyaka, xa iBhanki yaseRashiya ivume i-"International Club Club" (AKB) njengomtyalo-mali, okuza kulawulwa kwemisebenzi yeTavricheskiy, ngenjongo yokuphucula imali. Ngenxa yezi zenzo, kulindeleke ukuba ibhanki iyakwazi ukubuyisela ngokupheleleyo ukulungiswa kwemisebenzi yabathengi bayo kwaye, njengangaphambili, ngexesha elifanelekileyo ukwenza iindawo zokuhlala kunye nezinye iintlawulo.

I-Tavrichesky Bank: ukuhlaziywa kwamakhasimende

Kwinyanga nje edlulileyo , abathengi bebhanki babesaba ukulahlekelwa yonke imali yabo. Abaninzi bakholelwa ukuba akunakukwazi ukuphepha ukuvala iTavrichesky Bank (iSt. Petersburg). Iingxaki awayejamelana nazo zazibonakala zikhokelela ukuba aphelise ilayisenisi kwaye, ngokufanelekileyo, ukuyivala. Ngokwemvelo, kwiimeko ezinjalo, impendulo yabathengi kwimisebenzi yebhanki yayingeyona nto ibhetele. Nangona kunjalo, malunga neziganeko zakutshanje - ukwamukelwa kwesigqibo malunga nokucocwa kwenkunkuma - imeko yatshintsha kakhulu, kwaye abantu banethemba lokuba iTavrichesky "iyavuselelwa" kwaye iya kuqhubeka ijongene nenqanaba eliphezulu lenkonzo kunye nobugcisa balo abasebenzi, ngelixa liqinisekisa ukunyaniseka nokukhusela okupheleleyo ZeMali.

Izimvo zabasebenzi kwimisebenzi yeTavrichesky Bank

Ulawulo lweTavrichesky luhlala lusetyenziswa ngendlela efanelekileyo kakhulu ekukhetheni kwabasebenzi bayo. Ibhanki isebenzisa iingcali ezifanelekileyo kakhulu, ezenza imisebenzi yazo ngokufanelekileyo kwaye ziyakwazi ukufumana isisombululo kwimeko engxaki. Ngaloo ndlela, ulawulo lweziko lemali kunye nekhredithi liyaxabisa ngamnye wabasebenzi balo kwaye lenza yonke imizamo yokwenza iqela elifanelekileyo leemeko zokusebenza, phantsi kwayo kuya kuziva lukhululekile. Eli qiniso liqinisekisiwe nakwiingcali zebhanki, eziziqhenkcelile kukuba banenhlanhla ngokwaneleyo ukuba basebenze eTavricheskiy, ukuba abazange bacinge ngokutshintsha indawo yabo yomsebenzi nangona maxesha alula kakhulu ebhankini.