"Ukukhula Bank: Iingxaki (2014). OJSC "Bank of Growth", Rostov-on-Don

JSC "ROST Bank", akuba bafumana ingxaki kwasekuqaleni 2014, ngalo mzuzwana liziko yemali ebe yimpumelelo, oxhaswa ngokubonakalayo ngurhulumente wasekhaya. I-ofisi ngundoqo yebhanki ise emdeni eMoscow. Masebe kwiindawo ezahlukeneyo zelizwe, kuquka e Rostov-on-Don kunye Orel, Ryazan kunye Murmansk, yaseTver kunye Saratov, nakwezinye iindawo ezininzi. Ikomkhulu eligunyazisiweyo le Institute yi 2.375.139.760 engange.

Makhe ungabuyela kwimbali

"Bank Growth" wabonakala kwakude kudala 1994 yaye wayesaziwa ngexesha njengebhanki "Kazan '. Ngo-2004, le fom esemthethweni yeziko mali yatshintshwa ukusuka LLC ukuya JSC. Ngo-2013, ngokudibana iibhanki "Growth" yaye "Kazan 'kwasekwa kwiziko lemali namhlanje eyaziwa ngokuba" ekukhuleni ebhankini. " Ngenxa iziko lamatyala namhlanje unamalunga 40,000 abantu kunye nemibutho esemthethweni 3,000. Inani labantu abaye bakhetha iziko nanjengamntu undithatha njengesihlobo, iye ukwanda. Credit kunye umbutho zemali usebenza phantsi mvume jikelele Central Bank of Russian Federation kunye nelifa ilungelo ukuvula amasebe kweli lizwe nakwamanye amazwe.

imigaqo-nkqubo yezemali kunye eziphambili ngokubaluleka kwiziko logcino

JSC "ROST Bank" (le ngxaki ngo-2014, ngelishwa, babengabafundi kakhulu) kuyo yonke imbali ikhona njengoko ephambili engundoqo belisoloko ukhethe iimfuno zabathengi. Eli ziko-mali omnye kuqala kwimarike ukunikela amaqabane ethu the best iimveliso zebhanki ezintsha. Esi sifundo siye saguqulelwa esiXhoseni kuthathwe kwi intsebenziswano ixesha elide zonke umthengi.

qhinga sophuhliso umbutho esibonakala conservatism ngqwabalala. Umsebenzi yenziwa kuphela xa yokwenene kwicandelo loqoqosho. inkonzo Bank usoloko onamandla, yala maxesha kwaye lugqibelele njengoko phambili zobuchwepheshe. Iziko zemali-nkqubo ngetyala esebenzayo, rhoqo yaye wayemana enyusa portfolio yayo.

iqabane oluthembekileyo

"ROST Bank" Rostov-on-Don, kwakunye ofisi eMoscow eSt Petersburg, ulilungu le-REUTERS kunye neenkqubo USWIFT. Oku kwenza kube lula ukuba ukunika iinkonzo iinkonzo amazwe ngamazwe, ibonisa ukuthembeka lwamashishini. amaqabane Key iziko zemali - into OJSC "URALSIB" kunye OJSC "Rosbank". I-Bank ixhasa ubudlelwane kumnxulumanisi kunye namaziko amazwe afana:

• Deutsche Bank Trust Company Americas eUnited States.
• Deutsche Bank AG eJamani.
• Commerzbank AG eJamani.
• VTB BANK eDenmark.
• AG ku Germany.

OJSC "UKWANDA Bank" i Moscow International Currency Association kunye Association of Banks Russian olilungu iinkqubo zentlawulo ngamazwe Visa International kunye MasterCard International, ebandakanyekileyo kwi zorhwebo kwi Moscow lwemali exchange kunye MICEX.

Kwenzeka ntoni ngo-2014?

Ibali Bank Perfect akusoloko ekhulisa kakuhle kwaye cwaka. Kutsha nje, kukho ihlazo lenene, leyo, ngethamsanqa, kunye nelahleko olungephi wakwazi ukumelana 'ekukhuleni ebhankini. " Iingxaki kunye Central Bank yaqala xa ukusungulwa umda kwi kunikezelo iidiphozithi sabhalwa ngo-2014. Iziko zemali ihlawula iimali zayo kuma-30,000 ngenyanga nganye. Abantu bahamba yonke imihla kwi-ofisi ukuya kulanda imali yabo.

Le meko iye utsale ingqalelo ye-Central Bank of the Russian Federation kwaye ngenxa yokuba "ukukhula ebhankini" Rostov-on-Don sele lehlile kakhulu kwi rating Standard & Poors arhente zamazwe ngamazwe, hayi nje iindawo ezimbalwa, yaye kwinqanaba likarhulumente pre-default. YOSUKU ubeke iziko zemali isilawuli, leyo ngexesha lovavanyo le meko iye kutyhilwa facts ezibolekisa mthethweni, nto leyo eyakhokelela ekubeni kuyingxaki enkulu kakhulu.

Yintoni imfuneko kunyaka we-2014 ingxaki?

Ngaphandle nje ukuba "ukukhula iingxaki amatyala iibhanki 'ngo-2014 waba ukuhla elibukhali kakhulu ngaxeshanye kwimpahla ekhoyo, liboleke abanye mthethweni, ebinezinto umlinganiselo omnye-zabelo. Ngokutsho kweengcali, iziko zemali benza ukufuya esebenzayo asethi kwicala ngokusebenzisa mboleko intsomi Wayengomnye wabanini.

Njengoko ingxelo ngamajelo eendaba, omnye abanini zabelo, ezizezi Oleg Karchev, wayekwenza "negophe import" ye inkampani yakhe Merlon, ngamandla ukusebenzisa scheme kweenkampani credit-by-ebusuku. Ngokutsho koqikelelo lwabemi lokuqala, isixa iintlawulo kunye irhafu namasiko ezingekahlawulwa kulinganiswa iibhiliyoni engange. asethi Missing waba ibala elimnyama phezu igama "yokukhula ngaseludinini" Rostov-on-Don, eMoscow kunye namasebe kwezinye iindawo zeli lizwe. Ukunqongophala asethi imali engange 10 billion kubethwa nje kuphela kwiziko ngokwayo; kodwa ke iibhanki obnalnogo ezifana iqela lakhe: JSC "Tveruniversalbank" kunye JSC "SKA-Bank", JSC "Cedar" kunye JSC "BaykalInvestBank".

Ngubani na ngumtyholwa iingxaki?

Phantse ngokusemthethweni ekuweni ngumtyholwa yenkqubo mali igama Alexei Korneshov. Zabelo JSC imiba "ROST Bank" uqalise amacebo wayo ubuqhophololo. Utata wakhe, lowo ngaphambili intloko Moscow State University Technical, kwaye ngaye ngokuphindaphindiweyo ezibhaliweyo kumajelo ekhaya, kuquka urhulumente, njengoko abantu, hayi nje ukutshabalalisa amaziko zemali, kodwa sibeka emngciphekweni inkqubo yemali iyonke karhulumente. Zabelo JSC "ROST Bank", iingxaki ababengengabo kungekho sizathu, waba ngaphambili intsebenziswano umnini "Sibekonombanka" ndayihluthwa yelayisenisi yakhe ngenxa zonke iintlobo kakubi ngo-2007, yaye zabelo ibhange "CFT", nayo ngo-2013 akukho mvume.

Nangona amarhe kuhlela kwenzeka

Emva kokuba kuqaliswe "ROST Bank" Rostov-on-Don kunye namasebe kweminye imizi kulawulo yethutyana baqalisa ngenkuthalo ukuthetha ngayo kwimeko yesiqhelo. Isaziso lomqhubi yeziko zemali Wabonakala kumajelo eendaba. Ngokutsho yokugqibela, kwimo ziya kuboniswa zonke iibhanki qela: JSC "AKKOBANK" kunye JSC "Tveruniversalbank", JSC "SKA-Bank" kunye JSC "Cedar", JSC "BaykalInvestBank".

Kule nkomfa, ummeli "yokukhula iingxaki Bank 'ayizange iqalise ukupeyinta ngokweenkcukacha, kodwa nje lowu akukho ukulungiswa kuya kubakho. I-Bank ulondoloza babambisane ne-Central Bank kwaye ucinga amanyathelo asebenzayo for self-ukuphucuka. Ukongeza, iinkcukacha yanikezelwa ukuba "ukukhula iingxaki iibhanki 'ngo-2014 kuya kokuwiswa nzima, kwaye kuqala ukuze kuzaliseke konke izibophelelo kubathengi, imali iyonke iidipozithi leyo eyayifikelela kwi engange 40 billion ngoNovemba 1, 2014. Nangona le ngxelo yi ummeli amaziko wezimali litsha kunye nokunamathela kakhulu kwizicwangciso amatyala recovery. Namhlanje, i esezansi kwiziko lemali kwakhona, kwaye ngo-2017 sihlelwe ukuzisa 'ekukhuleni ebhankini "Rostov-on-Don kunye amasebe nakwezinye izixeko ukuya kwinqanaba eliphezulu.

Njengoko ukuhlupheka abathengi yebhanki ngexesha iingxaki e Rostov-on-Don?

Ngelo xesha iingxaki kunye Central Bank ubunzima abathengi kuphela ofisi Moscow, kodwa onke amasebe. Umzekelo, abantu basebenzisana kunye JSC "ROST Bank" Rostov-on-Don, babengakwazi ukwenza ethunyelwe. Yonke imicimbi engekenziwa intlawulo emsebenzini. Ndandingakwazi nokuba ukuphatha imali engenayo. Kucacile ukuba ukurhoxiswa umbuzo ayikwazanga. JSC "ROST Bank" Rostov-on-Don, Noko ke, njengezinye amasebe, wahlala esithubeni kwade kwabe yesisombululo yolawulo kunye nolawulo yethutyana. Abathengi musa nokuba ukwazi ukuba uya kuze ukubuyisa imali yabo. Abantu ababa nokuba barhoxe imali amakhadi yemivuzo kunye ayikwazanga ukufumana izandla zakho phezu amazwe avela kwamanye amazwe. Phantse zonke iinkonzo yeziko mali yayivalekile. Akukho mntu wamnika naziphi iingqikelelo. Ngethamsanqa, kulungiswe amaziko abenza kwiimeko ezithile, "Imbotyi Bank", leyo, ngokwesicwangciso kokuvuselelwa ibhanki iya ukukuqonda ngo-2020. "ROST Bank" lo ufumana iingxaki, gqolo ukuzama ukuhlawula zonke abagcinisa zabo imali yabo.

Ukuphunyezwa kokuvuselelwa

Njengoko kukhankanyiwe ngasentla, iziko mali iye baphathiswa ngokuhlanganisa "yembotyi embizeni." Yena uya kuba noxanduva kumaqela 5 iibhanki zikhankanywe ngasentla. Kufuneka unikezele kuphela ekupheliseni ubunzima, kodwa ke uphuhliso olungaphezulu 'lokukhula ebhankini. "

Magazini bungaveli ngeendleko mali mali engange 35,9 billion. Kule mali, 18.4 bhiliyoni iya kunikezelwa phantsi 0.51% ngonyaka kangangeminyaka eli-10. Enye billion 17.5 ekhutshwe phantsi 6,01% ngamnye ngonyaka kwisithuba seminyaka emithandathu. "ROST Bank" lizibophelele iingxaki zabo isonjululwe, hayi nje kuphela ngenxa mboleko, kodwa opheleleyo isixhobo ngokutsha pravlencheskogo. Zonke iintshukumo ziya kulawulwe ngokungqongqo yi-Central Commission. sikhokelo engqongqo imisebenzi zebhanki - kuyimfuneko amalungu omzimba. Sinokuthi ukuba "ukukhula iingxaki iibhanki 'kunye Central Bank isigqibo phantse ngokupheleleyo, ngoku kuyimfuneko zokuzigwebela trust zibekwe phezu kwakhe.