Ikubeka iibhanki Ukrainian kuxhomekeke kubungakanani kukuthembeka-2016

Ukulinganiswa yeebhanki e Ukraine ziyenziwa ngekota yaye ekupheleni konyaka. Ngokusekelwe kulo inokulandwa iintsingiselo ibalulekileyo nasekusungulweni kwimarike zemali, ukuchonga iinkampani ezininzi yimpumelelo yaye bakhathazeka. Ngokutsho iziphumo zokugqibela 2016 ukubonisa imibutho best yokusebenza exhaswa yi-capital angaphandle. Phakathi amaziko 50 inkulu yezimali zeli lizwe ichazwa njengokuba inokuthenjwa , "Credit Agricole Bank".

Uhlalutyo le meko

iimeko zokusebenza ezinzima kakhulu kwi zebhanki kwimarike Ukrainian yokugqibela kwiminyaka emi-2. Oku kuphenjelelwa izinto ezintathu. Okokuqala, urhulumente uphulukene nolawulo phezu yinxalenye yommandla yakhokelela ekulahlekelweni ulawulo kweenxweme kubaboleki kunye mali. I-avareji yi 15-20% yephothifoliyo mboleko iyonke.

Okwesibini, i hryvnia devalued yi izihlandlo ezingaphezu kwama-3 wenza utshintshiselwano lwangaphandle inkonzo mboleko phantse ibingakholeleki. Nokuba kwabo kubaboleki bafuna ndizibuyisele kuye. Ekupheleni kuka-2016 (ngokwe-National Bank of Ukraine), 47,8% azo zonke mboleko lwemali. Oku kulingana 327 billion hryvnia. Kuyinto le mali kufuneka kunceda iibhanki ukuba babuyele elingana 404 billion iidipozithi hryvnia yamanye amazwe.

Okwesithathu, ukwehla kwezoqoqosho yokwenene (nokuba ngokwalo UAH) kunye nokunyuka kwemisebenzi ibe nempembelelo engentle kummandla we-mboleko.

eqhinga

Phantsi kwezi meko, izinto eziphambili ezichaphazela ukuthembeka zembewu;

• Umnqweno zabelo ukukhuthaza umbutho umsebenzi yi-mali (ebandakanya emngciphekweni).
• Umnqweno National Bank of Ukraine nokutyala ukuze asindise neebhanki.
• Ithuba lokwenza njalo.

Buninzi embizeni, kokukhona umnqweno ukumnceda, kodwa kokukhona imali iyafuneka recovery zemali.

Amaqela zebhanki angaphandle elikhulu

Nangona oku iibhanki inokuthenjwa eUkraine, baba ngokwabo intle kwimarike yesizwe. izikhundla Strong kwahluka maziko alandelayo ngoweqela yaseYurophu, "Raiffeisen Bank Aval", "UkrSibbank" (BNP Paribas), "Kucelwe Bank", "Credit Agricole Bank", "Kredobank" (PKO BP), "ProCredit Bank", "Pravex Bank "(Intesa)," ingcamango Bank "(Getin).

Noko ke, kukho indawo obuthathaka kweli qela: phantse onke amaziko yaseYurophu ovumayo ukuthengisa impahla yayo Ukrainian. Ngelo xesha linye ukuthengiswa lokugqibela yabanini Ukrainian okanye Russian sele kukhokelele ekubeni imilinganiselo seminyaka embalwa. Umzekelo, oku kwenzeka kunye neebhanki Ukrainian etyiwa, njenge 'Forum "yaye" Kreditprombank ".

Noko ke, iingcali ungawuqwalaseli iinkampani-mali ka-4 ngokubonelela ngeenkonzo kubathengi ezinkulu corporate kuphela: "ING", "Isixeko", "Deutsche Bank" SEB. Bank "Credit EYurophu" (kubandakanywa kwiqela ebhaliswe eNetherlands, endingowakhe abantu - abemi Turkey) Kwakhona abonelela kumashishini amancinci naphakathi, kodwa hayi abantu.

ubungozi

Ngomhla nokurhafiswa yeebhanki Ukrainian eliphethwe kwiinkampani zangaphandle, bachatshazelwa yi kwilizwe awazalelwa ingxaki. Oku kuyinyaniso ngokukhethekileyo imibutho eRashiya, Greece naseSipro. Russia iphantsi ukwayo ngamazwe, abaphethwe ukuwa okukhulu kwamaxabiso ombane kunye ukwehla imali yayo. Greece busezingxakini kwezoqoqosho kule minyaka ili-10 kwaye kuqaliswa ngehlobo lowe-2015 izithintelo kakhulu kwi iintengiselwano zebhanki abemi balo. ECyprus ngowe-2013, yaye yabamba "lenguqulelo" yesibambiso kwimigangatho ezinkulu ezimbini lizwe, ngokubuyisela yinxalenye yale mali zabatyali kwizabelo ukuba phantse yanto.

Ngoko ke, ukukwazi kweebhanki ezivela kula mazwe ukuba ukunceda iiyunithi zabo Ukrainian kwixesha elizayo kuphakamisa imibuzo. uluhlu olupheleleyo kweebhanki kunye capital Russian: "Ukrsotsbank", "Prominvestbank", "Sberbank of Russia", "Alfa-Bank", "VTB Bank", "Vieste Bank", "Phambili". Ngu amaziko Greece naseSipro zezi: "Bank Universal", "Piraeus Bank ICB", "Marfin Bank".

Eyona esingundoqo la maqela kweebhanki - ukugcina igama layo kwiimarike zoMbindi Mpuma Yurophu - ikuvumela ukuba ukucwangcisa amaxabiso asezantsi kwi iidipozithi kuthelekiswa kwiibhanki zasekuhlaleni. "Intombi" Ukrainian of ungonakala kunokulonakalisa elihle.

iibhanki Ukrainian

iibhanki zikarhulumente-Ukrainian azikho ikwimo entle. Noko ke, urhulumente kunye National Bank bazama ukuba babaxhase ngandlela zonke. Ngo-2015, urhulumente imali phantse billion 20 hryvnia kwikomkhulu egunyazisiweyo Oschadbank, "Ukreximbank" yaye "Ukrgasbank", yaye mna kwikota ka-2016 Ngaphezulu wayalela ukuba ngaphezu kwe-14 billion hryvnia.

Lo mlinganiselo uphakamileyo yeebhanki Ukrainian ezivela capital zabucala, kumaqela alandelayo: BNP Paribas, Credit Agricole, PKO BP ( "Kredobank"). rating yabo mboleko mali: A1-A3 (umlinganiselo ephezulu).

A inqanaba eliphezulu kukuthembeka ukuba kweebhanki Iqela Intesa ( "Pravex Bank") kunye Raiffeisen, isilinganiso, kakhulu, ukuba utyalo-mali: Baa1, Baa2 (ngezantsi avareji). izikhundla kakhulu eziphakamileyo rating of yeebhanki Ukrainian kwiinkampani Kucelwe kunye Procredit. Umba HIV utyalo credit rating Procredit kwi BBB (esilingana Baa2). Kucelwe credit isikali kwinqanaba elinye ngezantsi Ba2 utyalo-mali, BB +.

Uluhlu yeebhanki inokuthenjwa

Uluhlu yeebhanki e Ukraine ikhokelwe "Credit Agricole Bank". Kangangexesha elide kwesi sikhundla kwathathwa "UkrSibbank". Top amaziko zemali ezilishumi imi ngolu hlobo lulandelayo:

• Inqanaba eliphezulu kukuthembeka kwiinkampani Credit Agricole (endaweni 1), "Raiffeisen Bank Aval" (2) kunye Oschadbank (3).
• Amazinga aphezulu umboniso "Kredobank" (4) "Ukreksimbank" (5).
• Embindini encotsheni ezilishumi, "UkrSibbank" (6) "Citibank" (7) kunye "ProCredit Bank" (8).
• ngentembeko epheleleyo level y "UKRGAZBANK" (9) "UKRSOTSBANK" (10).

trends

iibhanki zabucala Ukrainian kule minyaka-8 yokugqibela kombiseke ngasemva. 01.01.2015 Enye nyaka ngokutsho NBU phakathi amaziko inkulu "Delta Bank" (ngoku yimali) ebesebenzisa indawo 4 ngokwemiqathango asethi, "Nadra Bank" - 11, "Finance and Credit" - 13 Ngubani na phakathi iqela le-14 beebhanki inkulu, ababini kuphela Ukrainian eliphethwe zabelo zabucala. 100% ye bankruptcies kule minyaka ili-10 idluleyo - into iibhanki zabucala Ukrainian.