"Finance ndi Mawu": Reviews ndi Mavuto

"Chiyukireniya malonda Bank" anakhazikitsidwa mu 1991. zaka 4 patapita anadzatchedwa ndi "Finance ndi Mawu". Kwa nthawi yaitali ngongole bungwe ntchito popanda mavuto. Mu 2013, Bank zinachitika 13 mu mndandanda wa NBU mawu a chuma. The shareholder chachikulu ndi kampani "Ascania" (45.92%), Chao F & C Realty (41,58%), ndi mapindu - wamalonda Konstantin Zhevago. Kuyambira 2014 mlingo wa banki, "Finance ndi ngongole" anagwa zikuchepa chifukwa vuto ndi solvency.

zotsatira za chuma

Pa kotala choyamba cha 2015 chuma banki ndi chinawonjezeka ndi 21,2% chifukwa kukula mu madipoziti (biliyoni 3.310 USD.). Pa nthawi yomweyo, imfa anakwana UAH miliyoni 715,7. Zimenezo ndi nthawi 13 kuposa chaka chatha. Chifukwa cha mavuto a zachuma ndi ndale mu dziko, makasitomala ambiri sangathe kukwaniritsa udindo wawo ku banki. Choncho, ndalama mu ndalama provisioning kuchuluka 3 zina kuchokera 211,9 miliyoni 688,4 USD.

Bank "Finance ndi Mawu": mavuto ndi madipoziti

chaka chatha zinali zovuta kwambiri kwa Ukraine ambiri ndi gawo la banki makamaka. Zotsatirazi kugwa kwa mabungwe 'Ukrgas "," Rodovid "," Brokbusiness "ndi" Nadra "ku msika Chiyukireniya akhoza kutha Bank" Finance ndi Mawu ". Reviews nkhawa depositors maonekedwe ndi kunyanyala kupitirirabe kwa nyumba NBU yekha kukulitsa nkhaniyo.

Kwa nthawi yaitali, ma sheya hoda anatha kubisa zovuta ndalama malo a gulu. mavuto anayamba pamene dollar anatha kwa ndalama. "Finance ndi Mawu" (Ukraine) watha kulipira zopereka makasitomala potchula chosowa ndalama ndalama. Poyankha ndemanga iliyonse ndi ndodo anapereka kuti agwirizane ima pamzere pa issuance a madola. The pazipita zimene kasitomala angayembekezere - ndi mwayi kuti $ 100. Osati ndalama, koma kuthekera. Mu madipoziti ndalama woyamba Bank ichi "Finance ndi Mawu 'umabwerera kwa kasitomala mu UAH malinga ndi nduna mlingo NBU. Kusiyana ndi ndalama msika wakhala kwambiri, choncho anthu ambiri amavomereza kuti amenewa chiwembu. Kenako anasiya kupereka madipoziti. Monga hryvnia ndi ndalama zakunja.

thandizo kunja

kapitawo kasitomala onse anayankha kuti sikhala refinancing wa banki "Ndalama ndi Mawu" ndipo anapereka kuitana pakapita masiku angapo. Malinga Bank ku Central, zokambirana pa recapitalization anatenga malo kuyambira 2014. Koma ndiye phindu lalikulu anakana kutsanulira ndalama ku bungwe la.

Koma mu February 2015, a NBU wapereka bungwe olimba ngongole ya $ miliyoni 700 UAH. ndi kukhwima kwa zaka 2 pansi yokonza - yofunika katundu zovuta. Chigamulo chinaperekedwa nachuluka June 2015 pa msonkhano m'modzi mwa ma sheya hoda a likulu ovomerezeka poika magawo zina okwana 1, biliyoni 972 USD. Patsogolo ufulu kugula ufulu kampani ndi ma sheya hoda waukulu, "Askania" Chao LLC ndi F & C Realty.

"Finance ndi Mawu": ndemanga kasitomala

Ngakhale pansi ncha refinancing kosamalira ngongole walandira kuchuluka kwa ndalama kubwezeretsa liquidity, makasitomala ndi mavuto. Ndalama za mabungwe mwalamulo boma mazira, popanda gulu lililonse. Anthu sangathe kuchotsedwa Uwerenge amene alumphe 2 zikwi. UAH. patsiku. Pa nthawi yomweyo anauzidwa kuti amalipira chidwi pa madipoziti Bank "Finance ndi Mawu". Kasitomala ndemanga chikutsimikizira kuti ndalama kwenikweni anayamba kubwera nkhani ya khadi. Koma mwayi si zonse, koma okhawo amene agwirizana kuti tidzakhale ndi mawu a mgwirizano. Koma za amangawa awo banki saiwala. Mawu a bungwe si kuwononga nthawi kugulitsa ufulu wokatenga okhometsa ngongoleyo, ndipo iye mlanduwu mlandu. Chifukwa, makasitomala kulipira ndalama yaikulu ngongole overdue ndi ndalama, omwe nthawi zina kuposa kuchuluka yaikulu.

Katswiri Zokuthandizani: Kodi kubweza ndalamazo

Kupanda liquidity akukumana si yekha gombe, "Finance ndi Mawu." mavuto Solvency zagwira ambiri mabungwe akuluakulu mu dziko. Koma akatswiri amanena kuti inu mukhoza kubwerera ndalama popanda kupita kukhoti.

Njira imodzi: kusinthitsa gawo cha ngongoleyo

chiwembu amagwira ntchito pokhapokha ngati mankhwala onse ali chokongoletsedwa mu banki yomweyo. Koma mokoma ayenera takambirana mwachindunji ndi bungwe ngongole. Zaka zingapo zapitazo, chiwembu kuwombola anapereka lachitatu maphwando. Mwini wa gawo kuti wobwereka ndi rewrote zopereka zawo. Mapindu lokhudza Bank "Finance ndi Mawu" (Ukraine) ndi pempho kuwerenga ndalama mu ngongole mphambu. Ndiye wobwereka ndalama operekedwa depositor ndi kuchuluka kwa ngongole ngongole ya. Chifukwa, choyamba ndiyotani pakuchotsa ngongole, ndi ena analandira ndalama. Kuchotsera siyana pakati pa 20-50%. Koma ngakhale ndi kusiyana yakuti anthu angathe kulipira ngongole ndi kubweza kwa 500 zikwi. UAH., Kupereka ndalama theka kuchuluka. Koma kupanda lamulo malamulo ubale izi zimathandiza gulu lililonse kuti Kuthi bwalo kutsutsa ndikupeleka.

Njira ziwiri: kulemba dandaulo kwa NBU

Ngati bungwe ngongole amayamikira mbiri ndipo safuna moto ubale ndi yang'anira, ndiye zimenezi ndi olimbikitsa kubwerera ndalama kwa kasitomala.

Sinthani madipoziti m'zigawo

State gombe, "Finance ndi Mawu" ngwosakhutiritsa ndipo amafuna jakisoni zina. Choncho, oyambitsa anaganiza kuonjezera chilungamo likulu ndi opereka magawo. Bank National posachedwapa anapereka kwa ndalama kusinthitsa madipoziti awo magawo wa ngongole bungwe. Great wofuna maganizo si chifukwa cha anthu. N'chifukwa chiyani mbadwa wamba makampani sheya banki? Ngakhale Cyprus, kumene gawo la bwino anayamba pamaso mavuto, monga kupereka anazindikira zoipa. Mu Ukraine, ndi lizigwira bwino malonda akhalire uthenga zimenezi amatha okha zina outflow likulu.

Mayesero ngati njira

makasitomala ambiri amavomereza okha akambirane. Makamaka ngati ndalama upambana kuchuluka kwa gawo lapansi. Judicial mchitidwe limasonyeza kuti njira nthawi zambiri adzakhalanso mokomera kasitomala. Ndithudi, kulephera kubweza gawo pakati Article 382 la Code Wachifwamba a Ukraine. Ndipo lero ndi njira yabwino kwambiri kuchira ngongole.

Maloya akulangizidwa yokonzekera pasadakhale ndiponso ayambe kulankhulana ndi banki yekha mu kulemba. Choyamba muyenera kugonjera yofunsira ndi pempho kutsirizitsa zotsatira gawo pangano (kuchedwa kupeza Pali mfundo za bukuli). mawu ayenera anatumiza kalata yotsimikizika, kapena makalata kapena kulemba mu chibwereza. Pa lachiwiri ayenera kukhala nambala ukubwera, tsiku mapepala kulembetsa. Ngati ngongole bungwe pambuyo pa mapeto a mgwirizano sapereka ndalama potchula zifukwa zosiyanasiyana, lankhulani ndi madandaulo kwa wapampando wa Bank ndi NBU. Pambuyo kuti ayenera kutsatira ku khoti.

Amadandaula zisonyeze osati ayenera kubweza ndalama ndi chidwi, komanso kuti amaumirira kupereka chilango kuphwanya mawu (kawirikawiri ndi 0,001%, pazipita 10% kuchuluka gawo). Musaiwale za kumawononga makhalidwe abwino, abwino kwa malipiro mochedwa. Pali mwayi woti tipambana kumbuyo 3% ya ndalama anachedwa ndi kuphimba kufufuma.

Litigation angatenge nthawi yaitali (kwa miyezi ingapo kuti zaka zingapo) ndi ndalama. ndalama zolimbana monga malipiro bwalo (1% kuchuluka kwa chonena, pazipita 3654,00 UAH.). Mtengo kwa chithandizo cha zamalamulo, pamene osiyanasiyana mitengo ikuluikulu kwambiri, mukhoza kupezanso wozengedwayu.

Top Mabwana ndi udindo

Makasitomala wosimidwa anatumikira pempho kuchita boma udindo wa kapadera ulendo, kumubweretsa kwa chilungamo, ndi kulanda katundu wa n'kulemba madipoziti kwambiri. chiwembu Izi zimafunika yaitali chisanadze mayesero kufufuza, kupanga zisankho ndi kukhwimitsa chiganizocho. vuto pano kwagona kuti wozengedwa amangokhala alibe chuma chokwanira kubweza ngongole pa madipoziti ndi chidwi. Chinthu chachiwiri: a Chakuamba ayenera kutsimikizira kuti Ngopambana pamwamba mwadala analephera khotilo. Pamafunika miyezi. Komabe, maloya amanena kuti njira imeneyi ndi zomveka yolimbirana madipoziti ndi depositors ndi mwayi kupambana mlandu.

Kudalirika kwa gombe, "Finance ndi ngongole" anagwa zikuchepa. Akhudzidwa kwambiri makasitomala pa Donbas ndi Crimea. Ngakhale kupambana mlandu, kubwerera ndalama kasitomala awo adakali sangakwanitse.

Kutsegula mlandu bwana pamwamba sizitanthauza chiphaso cha gawo, ndi chidwi. Koma izo ndithudi kukakamiza osunga ndalama kumvetsera mavuto amene anthu amakumana ndi kuyamba kuthetsa iwo. Ngati mulibe chilichonse, ndiye malipiro kungakhale kapena ayi kudikira, kapena kupeza ndalama kuchokera Fund Wotsimikizira Gawo.

Ndani ayenera akambirane

Refinancing wa Bank "Finance ndi ngongole" zotsatira kuyembekezera kuti usanaperekedwebe. The yaitali NBU akuchedwa oyamba a boma wogwirizira, zimakhalanso zovuta apeza ndalama. Makasitomala amene ndalama si olumpha amayenda ndi boma 200 zikwi. UAH., Ndalama The muwafotokozere. Koma funso ndi pamene. Koma gawo lochititsa waukulu ayenera kufulumira chiyeso ndi akambirane kulowa boma wogwirizira.

Pomaliza

Chifukwa cha mavuto a zachuma mu dziko pa chaka chathachi ku msika zinatengera 5 mabungwe lalikulu. Chotsatira, "Finance ndi Mawu" Bank. ndemanga kasitomala kutsimikizira kuti zisakuyenda chakhala zovuta kuti chofunika gawo ndi chidwi pomwepo. Makasitomala anafotokoza kuti nthawi sachiza chifukwa chosowa ndalama kubanki kubwerera ndalama. Akatswiri mu Zikatero kapena kusinthitsa gawo cha ngongoleyo, kapena kupeleka maganizo ndi kukonzekera kwa litigation yaitali ndi zina ndalama. Pankhaniyi, ngati ndalama kuposa 200 zikwi. UAH., Ndiye mayesero ndi bwino kuti akuchedwa.