Yintoni na ke nokuvuselelwa egcina imali? Bank Isohlwayo: endokwenza abagcinisa

Ngo-2013 - iminyaka 2014, iibhanki ezininzi Russian i Central Bank ukubuyisa mvume. Oku kwenza nje kuphela badyuduzele abagcinisa, kodwa hit neminye imibutho ngetyala. Abathengi baqala ukuthatha imali nokuba ukusuka uzinzo kwezemali yeebhanki. Ngokuba lixesha lokuqala ixesha elide, igama wakhalisa "litsha." Elikhulu kakhulu Oko kuthethwa inkqubo yokuhlangula mboleko ngamaziko karhulumente? Kweli nqaku uza kufunda oko ngokuhlanganisa yeebhanki.

definition

Iqela neenkqubo ezijolise zokubuyisela imeko yemali - resolution bank. Kuthetha ukuthini? Ukuba kunokwenzeka ukuphepha imilinganiselo yeziko zemali, ulawulo ibhanki iya kudluliselwa Arhente Inshorensi Idiposithi Agency (YOSUKU). Ucoceko kuluncedo ngabathengi atyale imali, kuba ikuvumela ukugcina yonke imali imali. Ukuba ibhanki urhoxile kwelayisenisi, YOSUKU inokuba kwakhona inxenye kuphela yexabiso idipozithi. Kodwa ukuba kukho mali uthenga iziko lamatyala xa iyonke, nayo yinzuzo amaqumrhu asemthethweni, njengoko iya kuqhubeka onyamekela mbutho. Umnini entsha isebenzisa lonke uluhlu amanyathelo ngokutsha iingxelo ukuhlawulwa kanye nokulahla asethi illiquid. Yiloo nto kwisimo kweebhanki. Kodwa wayengazenzi. Ukuba umngxuma lomncono ingqamana umthamo asethi, akukho ukufumana ukwenza nantoni na.

Ukulungiswa lwenziwa phandle ukuba:

- Bank libalulekile ukuba uqoqosho elizweni okanye kummandla othile ( "solidarity" kummandla Samara);

- iziko lamatyala uzinzile, kodwa senze ukunqongophala amatyala okwethutyana ngenxa ukwesaba labantu (Gazenergobank).

Esi sigqibo senziwa CBR. Ngaphezu koko, i-Arhente Inshorensi Idiposithi (YOSUKU) libonelela ulawulo yexeshana yale yebhanki de asethi zayo ndatshintshelwa kwelinye iziko zemali. Yena uya kunikwa ukuze kubuyiselwe izibophelelo yokuhlawula amatyala kunye nentlawulo. Ngamanye amaxesha YOSUKU ayikwazi ukulungisa ingxaki kwibhanki yayo. Kodwa kufuneka bafune kubatyali-mali. Kufuneka ibe iziko ethembekileyo zemali usoloko amava esihle ukuphuculwa ngaphambili. lwemali ibhanki unako ukufumana imali evela kwimithombo ezintathu: ukusuka Central Bank, ACB kunye mali labucala. Yiloo nto kwisimo kweebhanki.

izinto ezintle

Inkqubo yokubuyisa inceda abantu amaqumrhu asemthethweni ukugcina iidipozithi ngokupheleleyo. Xa kuthe kwacima yebhanki ishishini ziya kuphulukana imali ubomi babo, yaye abemi abaqhelekileyo kuya kufikelela kuphela 700 lamawaka. Engange. Ukulungiswa ikuvumela ukuba ubuyisele ngokupheleleyo umsebenzi kwiziko zemali. I-capital eyongezelelweyo ikuvumela ukugcina imisebenzi yaye ngokukhawuleza ukusombulula iingxaki yangoku.

Yintoni na ingenelo-mali

Urhulumente igcina kuphela iibhanki eyomeleleyo okanye lengingqi ebalulekileyo. Uphuhliso loshishino kunye nokwanda ukuzithemba-mali ngamaziko zasekuhlaleni negalelo kakhulu ukuya ekolulekweni ebhankini. Kuthetha ukuthini? Kutshintshiselwano kwiziko mali yotyalo ifumana inxalenye kwikomkhulu, umbutho umgca imveliso, izakhono ezingundoqo, noseko lwalo sabathengi. Zonke ezi ze data umtyali-mali kuya kuba nako ukusebenzisa intsebenziswano kunye neminye imisebenzi yayo.

indlela yokwenza

Isiseko kuba lenguqulelo lithuba wokwenene ukubuyisela yokuhlawula amatyala ibhanki yakhe. Inkqubo yokubuyisa mayingagqithi iminyaka 1.5. Ukuba kwisithuba seminyaka emithathu zaye bafaka esinye ibango kwimeko yimali, ibhanki ayikwazi kwakhona kwi-kuhlela.

Emva kokufezekisa kwisikhalazo, sokugweba ibhengeza ukhuphiswano inxaxheba kwinkqubo ekuphulukenwe nalo. Eyona ndlela eziphambili ukubuyisela yokuhlawula amatyala ibhanki leyo: ukumiswa kwetyala buyiselo neentambo ezikhutshiweyo, kunye nokuhla kuye%, ikhuphe CBA entsha, ngokubonelela ngemali-mboleko ezongezelelweyo, ukwandiswa mboleko ezifunyenweyo ngaphambili, njl ilungelo Pre-kwinjongp ukuba bathathe inxaxheba kule lenguqulelo ezi abatyalwayo zomnini ebhankini kunye nabasebenzi bakhe.

Bank Ucoceko: endokwenza abagcinisa

Kubalulekile ukukhumbula ukuba ngexesha iinkqubo ukubuyisela imeko yemali kulo mbutho, zonke ii-akhawunti yomthengi ziya kugcinwa. Bank wamkela imali eyongezelelweyo, ekufuneka ezijoliswe ekupheliseni zonke iingxaki zangoku amatyala. Ngaphambili, abafundi kwizikolo womelele ukunceda ababuthathaka. Ngoku, loo nto inye lisetyenziswa kwi necandelo leebhanki. Ngoko ke, eyona nto ibalulekileyo kule meko - musa ukothuka. Nokuba kulawulo livakalise ukuba okwethutyana "ngumkhenkce" yonke indlela ukubuyisela abagcinisa imali, kodwa kuya kuthatha ixesha elide.

Kubalulekile ukwahlula ingqikelelo "yesiqhelo" kunye "ungonakala". Kwimeko yesibini, ukubuya abemi in inani ukuya ku-700 lamawaka. Engange eqinisekiswe YOSUKU. Ngokutsho uMthetho "Kwi-inshorensi iidipozithi ngamnye ngeentlawulo iibhanki Russian 'kufuneka iqale kwiintsuku ezili-14 emva kokuba sokuchitha-mvume yebhanki leyo. Kodwa practice, ixesha uya kudlula kakhulu ngakumbi. Kwaye akukho nalapha ukuba ACB nako ngoko nangoko ukubuyela iidipozithi undithembise umdla ngakumbi. Ixesha elininzi ziza kusetyenziselwa ekuhlaziyeni imeko yemali kunye ne-inventri ye abagcinisa.

Enterprises noosomashishini ukubuyisa iidipozithi zabo, mhlawumbi nakanye. Ngokutsho Federal uMthetho "Kwi Insolvency of Credit Imibutho", loo mabango baya kwaneliswa phezu kuhlawulwe izibophelelo ngabanye, ACB kunye Central Bank, ukuba kusekho eli ziko-mali iza kuba indlela. Ngoko ke, kubalulekile ukuba kubekho mali oya kuba nako ukubuyisela yokuhlawula amatyala lwequmrhu.

Nangona iibhanki ezininzi yasuswa mvume kunyaka odlulileyo, imali stock kwi-Arhente usenayo. Ukuba imali iphelile, i-Central Bank iya kunika inkxaso-mali eyongezelelweyo ngokukhupha imali pre-yesizwe. Ukwehla na baswayipha kwi abanini iidipozithi imali yelinye ilizwe. Isimbuku dipozithi kwabo ngomdla uya ngaphezu kwe-700 lamawaka engange. Abanikazi iidiphozithi engange kwi kwaye akwazi ukubuyela imali yabo, kodwa ngelo xesha baya kakuhle kakhulu. Ngoko ke, kulo mzekelo, siya angacebisa kulandelayo: kwi nealam yokuqala ukwehla elinqatyisiweyo lwemali, jonga isebe yebhanki isicelo 'ukwaphula "idipozithi yakho ibe ziinxalenye eziliqela. Nkqu ngcono - ukuvuselela yinxalenye yegalelo ukuya isalamane. Xa usebenzisa ikhompyutha kwizinto eziphathelele ikheshi awukwazi ukwala, kuba eneneni lwemali evela ebhankini wena musa ukulisusa.

Kuza kwenzeka ntoni ke

Emva kokugqitywa kwenkqubo litsha-mali omtsha ngokuzimeleyo yenza isigqibo sokuba ukugcina lophawu, imodeli ishishini, kwaye iqela labasebenzi okanye ukuphuhlisa yonke into ukusuka ekuqaleni. Amaninzi ke guquka. CB oku isigqibo awuchaphazeli.

resolution Bank 2014

Kulo nyaka uphelileyo, uninzi wabangela ukuphakuzela iindaba ekuqalisweni kwe ulawulo weThutyana kwelinye lamaziko wokubolekisa ngemali lidala kweli lizwe. Sithetha OAO "Baltic Bank" (St. Petersburg). Ukulungiswa kwamaziko mali yaqala ngo-Agasti 2014. Ukubuyisela amatyala ye-Central Bank ekuqaleni abelwe engange billion 10. ACB yabamba ukhuphiswano inxaxheba kule nkqubo ukuze afumane mbutho credit "Baltic Bank". Ucoceko iye yabanjwa iinyanga ezintlanu. Eqondisa inkqubo mali omtsha JSC "Alfa-Bank". Ngeli xesha, abathengi abaninzi sele baye bavakalelwa beguquka entlanganweni. Brand kunye nemodeli ishishini ayitshintshanga. Endaweni yoko, abathengi ngoku watsala imali evela i-ATM eyongezelelweyo 5000 "Alpha" akukho myalelo. network ofisi ngokukhawuleza ukwakha nakanye. Ulawulo kwakhona wamqinisekisa ukuba amazinga kwizivumelwano imali kunye namatyala iya kuhlala injalo de ekupheleni kwekota kwabo. Eku sunguleni, i "Alfa-Bank" bathatha inxaxheba nokuvuselelwa "Northern Treasury". Eli ziko zemali emva kokubuyiselwa sisusiwe kwaye enxulumene-mali. A Isiphelo efanayo balindelwe 'Baltic Bank ". Ukulungiswa iya kuba ngeendleko mali lwabiwo-mali ka-57 ezigidi., Yomtyali ufumene kakuhle 0.51%.

iindaba zakutshanje

18.11.2014 kwavakala ukuba YOSUKU uthabathe imisebenzi umphathi yexeshana kulawulo i "yokukhula". Ukongeza kwiziko lamatyala eponymous, oko kuquka amanye amaziko ezine: "Cedar", "Akkobank", "SKA", "Tveruniversalbank". Ngo-Oktobha 2014 i-Central Bank wathabatha up Uvavanyo imeko yemali inkampani ebambe, iziphumo ekwabonisa imfuneko ukuqalisa amanyathelo okuthintela ungonakala. Ngoku YOSUKU isungula izicwangciso zokuphucula impilo ngamnye lamaziko amahlanu ngetyala. Nantso into ngokuhlanganisa iqela leebhanki.

isishwankathelo

Ukuba ibhanki ludlala indima ebalulekileyo kuqoqosho okanye bajamelana ukungabi amatyala okwethutyana, i-Central Bank ayikwazi ukuqalisa inkqubo yombutho achache. Kulo mzekelo, i YOSUKU uba indima umphathi okwethutyana. Ngaxeshanye kunye kuhlalutyo mali abatyali wabhengeza ukhuphiswano owawuza ukubuyisela yokuhlawula amatyala lwequmrhu. Yiloo nto kwisimo kweebhanki.