"Baltic Bank": mavuto ndi "Bank of Central" (2014)

"Baltic Bank" - mmodzi wa nyumba yakale malonda, anayamba ntchito yake m'gawo la Chitaganya cha Russia mu 1989, pambuyo apeze chilolezo yoyenera ku Bank of Russia. Kudalirika ndi Luso mlingo mbali umaonetsa bungwe ndalama dongosolo gawo inshuwalansi ndi dera OFULUMIRA. Koma si kale, pali umboni wakuti pali mavuto pa "Baltic Bank" ndi Bank wa Central.

Mbiri ya chitukuko

Leningrad luso malonda Bank anadzatchedwa ndi "Baltic" mu miyezi yochepa gulu. Patatha zaka zinayi, analandira chilolezo kuchita wotuluka mu ndalama zakunja ndipo anagwirizana OFULUMIRA. Mu 1994 anayamba kugwira ntchito ndi zitsulo zamtengo wapatali, nkhani makadi MasterCard. Pa nthawi yomweyo, panali malo kulandira makadi. Iwo anayambitsa dongosolo la mwayi akutali nkhani. Patapita chaka chimodzi, banki anayamba kupereka Kuyamikira kulandiridwa ndi zomwe zagwiridwa woyamba checkbook.

Mu 1997 anadza ATMs woyamba "Baltic Bank", unayambitsidwa ndi dongosolo la ndalama cashless, komanso malipiro a ntchito zofunikira. ndondomeko kubweza ndi galimoto ngongole polima patapita zaka ziwiri. Mu 2000, makadi zoyambirira chikalata Visa elekitironi, Gold, Business ndi Classic. Kumbuyo madebiti anayamba amvekere makhadi. "Baltic" membala wa dongosolo malipiro "Golden Korona".

Ndi 2010, mndandanda wa ntchito ndalama monga: madipoziti mu ndalama dziko ndi achilendo, kukhazikitsa makhadi ndi malipiro, ngongole zolinga zosiyanasiyana, kutsegula ndi kukhalabe nkhani, kuika ndalama, kuphatikizapo dongosolo Western Union, kulandira malipiro, wotuluka ndi Bank ku Central, otetezedwa gawo bokosi yobwereka, ndi zina zotero.

zotsatira

Kwa zaka 24 ntchito banki anapeza 18,000 makampani ndi okwana 2.5 miliyoni makasitomala, zachitika zopezera maofesi m'mizinda 31 Akuluakulu a ku Russia, Chatuluka makadi oposa 1.3 miliyoni pulasitiki ndipo anaika theka zikwi ATMs. Cooperation ndi kumadzulo UNION, MasterCard ndi Visa Mayiko anathandiza kuti pakhale gulu la ndalama. Mu 2012, bungwe ngongole zinachitika 66th mawu a chuma ukonde, 13 ndi nambala ya makadi pulasitiki ndipo ATMs.

"Baltic Bank": mavuto

20.08.2014 The Bank chapakati analengeza oyamba a boma wogwirizira mu "Baltic". nchito imeneyi anapatsidwa kwa "Agency Strass madipoziti" kwa miyezi isanu. Mu ndondomekoyi, anthu okayikitsa, kukhala liquidity ya gombe adzakhala ndalama zolipirira ndi rubles biliyoni 10 pa chaka. Control wochita ayambe imagwiridwa okayikitsa. Posacedwapa tiyenera kusankha okalamba.

Izo posachedwapa kudziwa mfundo imene chigamulo bwalo la kuchotsedwa banki ya nyumba. Mawu a pangano pa malo a n'kumwalira mu May 2013. Chikalatachi yosainidwa ndi "Federal Katundu Management Agency" mu 2004. Lessee - "Baltic Bank" (St. Petersburg). vuto ukhondo zikuchitika mkangano mkati mwa ma sheya hoda lapansi. Malinga ndi malo, ndi katundu wa bungwe ndalama zokwana ndi pulezidenti ake Oleg Shigaev, LLC "Baltic Trade House" (kwa 49,877%) ndi Elena Prokhorenko (0.13%). Pa chaka zapitazo panali mphekesera zoti banki akufuna kugulitsa. Koma ma sheya hoda sizikanati zigwirizane pa mtengo. Kuthetsa kusiyana maganizo kwawo iwo anapita ku khothi.

Zambiri za ukhondo

Malinga ndi akatswiri, kuchuluka kuti Bank ku Central ali anapereka kwa wolakwayo, ndi ochepa, choncho mzere alibe kudikira inkachitika pachipatalachi. Kuyambira ndalama zawo, "Bank of Russia" adzapereka ngongole ya rubles biliyoni 10, pamene yang'anira ali kupeza Investor kuti ayambe kosamalira ngongole. Koma zikamera wa zinadziwika ntchito mwachinyengo pa bungwe ndalama ndi katundu anakula zinthu. Ngati mfundo zikutsimikiziridwa, deta adzakhala opatsirana mabungwe yazamalamulo. Padakali banki lidakali, kupereka uthunthu wonse wa ntchito mwamsanga ndi mantha.

Mavuto "Baltic Bank" chifukwa ambiri "si ntchito" chuma. Izi zapangitsa kuti liquidity chiopsezo. Ma sheya hoda ndi Ngopambana sangalamulire kuchuluka kwa rubles oposa biliyoni 40. Zimenezi, pa dzanja limodzi, amachititsa mavuto azachuma, ndi pa zina - limachititsa kukopa ndalama zatsopano za "Baltic Bank".

Mavuto ndi Bank ku Central chifukwa chakuti bungwe ndalama sanali limodzi ngongole mlingo posachedwapa. Zilibe kusunga ndalama za gawo dera anthu. Kumapeto kwa chaka chatha, "Katswiri RA" ali adatchithisira mlingo banki udzachitika magawanidwe otsika likulu ndi wambirimbiri nkhani olandila.

Zopinga kuchira

Malinga Interfax, 69 mwa mawu a katundu ali "Baltic Bank". Mavuto amene mungakumane 2014 pa ndondomeko kuchira. Mu bungwe lalikulu ngongole kungakhale udindo watsopano. A mbali yokulirapo ya chuma anali zokhudzana ndi mwini wake wa malonda. Choncho, pofuna sanitize mphika pang'ono. Enieni kuchuluka kwa katundu osiyana tidzakhala anthu odziwika ndi zotsatira za ntchito okayikitsa. Koma pali umboni tsopano. banki ndalama mu mphamvu fiduciary kwa okwana rubles biliyoni 4.6. Msika mtengo ambiri a iwo ali pafupi ziro. A mbali yaikulu ya ngongole mbiri - biliyoni 18,7 rubles - sati anabwerera. Yokhala, ndi "Baltic" walandira phindu kwa miyezi itatu 2014. Koma ngati ife kuchotsera kwa ndalamazo kwa ma sheya hoda mphatso ndi ndalama kuchokera chuma analandira kwaulere, phindu kwasanduka patsikulo. Ofuna chachikulu udindo wa inkachitika pachipatalachi - "Alfa-Bank" ndi "Moyo".

aggravation a zinthu

Vuto lina panjira kuchira - akamakonda mbiri. Bank anakweza ndalama kudzera madipoziti mtengo. Koma palibe kubwerera iwo. Katundu "Baltic" amapeza ndalama zochepa. Main mzere wa ntchito lero - kupereka wa ngongole ku mabungwe alamulo ndi chuma malo.

miyezi sikisi yapitayo banki chapakati laletsa kosamalira ndalama kutenga madipoziti kwa anthu. mlandu alibe lalandiridwa. Chifukwa, mu June, anauzidwa malipiro kuchedwa. "Baltic" anafotokoza sangathe pang'ono ndalama. Today pa Intaneti "Bank of Russia" mudziwe kugwilizana ndi bungwe ndalama zofunika liquidity ali kwina.

"Baltic Bank": mavuto kasitomala

Pambuyo zokhudza mavuto a anthu, anathawira kutapa ndalama nkhani. Izi sakanakhoza bwanji solvency wa bungwe ndalama. Makasitomala - ngakhale pamaso pa zikalata zonse zofunikira - sanathe kuchotsa madipoziti m'njira anakonza. Osanenapo kuthetsedwa oyambirira ya mgwirizano.

Zaka zoposa khumi zapitazi, mlingo wa ndakhalanso sinasinthe kwambiri m'kupita. Kuti kutsegula gawo pa gombe, kasitomala uyenera uyambe tiyanjane ndi nambala ya malamulo. Choyamba, amalipiritsa lalikulu kuthetsedwa msanga ya mgwirizano. Kachiwiri, amatamanda nkhani zitha kukhala pang'ono ndalama. Last, ndipo kwambiri zovuta kuzimvetsa - kumapeto kwa pangano kusamutsa ndalama kwa bungwe lina la zachuma sindingakhoze. "Baltic Bank" nkhani mu 2014 anafotokoza wogwirizira makonzedwe ndondomeko. Koma kale ziletso pa woyikidwa mlingo wa makasitomala kumanzere kwambiri wolakalakika. ndemanga ambiri makasitomala pa maonekedwe akutitsimikizira izi. Osati kukhala zoona, ife azipereka okha ena a iwo.

Kuchita ntchito zofunika (.. Malipiro wa ngongole kwa zofunikira, etc.) mu dipatimenti amatenga theka la ola - kulankhulana mosadodometsedwa ndi woyang'anira ndi anawapatsa ndalama za kubanki. Anthu amene akufuna kuti malipiro kudutsa mu internet banki amafuna anadabwa zina mwa mawonekedwe a mapulogalamu zina likhalenso yogwirizana ndi opaleshoni dongosolo Windows (osati za iOS ndi Android kunena). Koma ichi ndi chabe kuyerekeza ndi "munthu" siginecha aliyense udindo malipiro a mkulu bungwe lalamulo. Pezani nthawi yapano mawu tsiku - 13:00.

A ambiri "kuyambirira" ntchito, ziwawa chidwi pa ngongole ndi khadi utumiki mwadzidzidzi oletsedwa, maofesi zauve, wosadziŵa ntchito ndodo - mavuto ofanana ndi "Baltic Bank", koma, ngati likukhalira, si yovuta kwambiri ...

dongosolo kulephera

Posachedwapa, pakhala nkhani maonekedwe kudandaula kuba ndalama nkhani. Makasitomala kubwera kwa malipoti foni ya achire ndalama ntchito online, mwachitsanzo, "Yandex", popanda chitsimikiziro ndi Mwini Khadi la. Ngakhale kuzipeleka yake ya ofunsira kuti dipatimenti sikungathetse vutolo. Ndalama refunded nkhani ya sadzatero. Inde, kuba ndalama pa nkhani ya kasitomala pali vinyo. Sikuti kamodzinso kusiya pa Websites yachilendo deta pa mapu. Koma lero, aliyense kudziletsa kulemekeza banki osachepera aitane yosaloledwa kusonyeza wotuluka si ndalama pa Intaneti, komanso munthu pazipita - lililonse achire kaye kwa chitsimikiziro SMS kuchokera kasitomala.

maonekedwe kaŵirikaŵiri kotheka kukumana madandaulo 'makasitomala kusintha zochita kukongoza pa mphindi yotsiriza. "Baltic Bank" anafotokoza mavuto bwino mu dongosolo. Mumadziwika precedents pamene maola angapo pambuyo ntchito kwa ngongole kuitana kasitomala kumbuyo ku banki anaitanidwa ku ofesi ya processing zikalata. Koma dipatimenti anati kulephera kwa pulogalamu chinadzetsa chitsimikiziro olakwika ntchito. Comments ...

chidule

Choncho, wina bungwe ngongole, adagwa pansi pa "kuyeretsedwa" wa Bank ku Central - "Baltic Bank". Mavuto ndi Bank ku Central chifukwa kuchuluka kwa katundu osiyana. Mfundo imeneyi ndi okayikitsa. Mwina, ngati angathe kuthetsedwa ndithu, ndalama zatsopano akufuna kuthandiza utumiki. Pa moyo wa "Baltic Bank" mavuto a khalidwe osauka a utumiki, ndipo sanathe kuthetsa paokha.