"Rosenergobank", mubwereze chiphatsocho kuti: zimayambitsa vuto

dziko ladzala ndi mphekesera. Choncho tinauzidwa ngati mwana, ndipo ndizo za izo ngakhale kuitcha makasitomala a mabanki. Ndipo zimenezi ziyenera kuvomerezedwa, mabungwe ndalama zambiri mbiri wapangidwa ndi 50% wa mphekesera ndi maganizo ogwiritsa ntchito. Komabe, pali wina koma. Ndi chinthu chimodzi pamene kampani ndi kumva zabwino, amene sanafune kuti siWake, ndipo pagona - ngati banki akuti si wosyasyalika zinthu. Anasokonezeka mawu amenewa, m'malingaliro athu, ndipo anakhala "Rosenergobank". Achire chiphatsocho - izo ndi imodzi mwa nkhani zikuluzikulu kuti lafotokozedwa tsiku ndi tsiku mu maonekedwe zosiyanasiyana ndalama ndi Intaneti. Koma ati kudzipatula? Kapena banki, monga posachedwapa 2008, adzatha salangidwa izo?

General zokhudza banki panopa

Choncho, nkhani ya zokambirana ambiri anayamba wowopsa "Rosenergobank". Mavuto bungwe, komanso ena bungwe lililonse ndalama, nthawi anauka. Koma, ngakhale, komabe wolimba. Ichi ndi chimodzi mwa waukulu mabungwe a zachuma Russia ndi kugwira ntchito mu munda wa ngongole ndi kukhalabe nkhani za malonda ang'ono ndi sing'anga-kakulidwe.

makasitomala bungwe ndalama: iwo ali

Makasitomala a bungwe panyengo ndi ochepa lalikulu malonda nyumba, kuphatikizapo anthu ogwira ntchito pa gawo la mphamvu. Ndiwo ndalama za madipoziti banki ya anthu lero. Komanso, anayambitsa malonda akutithandiza zedi pa malonda pa msika wa ntchito kutembenuka ndi sheya. Mwa njira, yang'anira posachedwapa anawonjezera chiwerengero cha ziphatso zokhudza malonda msika bungwe ndalama.

Kodi chimachititsa kuti mantha amene maganizo onse?

Chifukwa ambiri a mantha amakhala mantha ya makasitomala chimodzi kapena zingapo mwa bungwe ngongole. mantha awo amaonera mavuto ena kuti akhoza kukumana. Mwachitsanzo, tiyerekeze kuti mukupatsidwa "Rosenergobank" sizikupanga malipiro. Kapena kani, panali mavuto ofanana ndi nkhani za anthu angapo amene mantha ndipo anayamba kugawa nkhawa yawo unyolo. Ndiponso kachilombo njiru "bankoboyazni" kukatenga ndi anthu enanso, amene ayamba kugawana maganizo awo ndi anthu ena onse Russian.

Ndipotu zimenezi zinangochitika ndi "ROSENERGOBANK". Chifukwa, mantha kufala kuchuluka chidaliro mwa gombe, mphekesera kuti posachedwa adzataya chilolezo chake. Koma pali nkhawa?

A ulendowu mwachidule mu m'mbuyomu

Popeza chakuti yang'anira mwankhanza akuigwiritsa mutu anachoka ndi ufulu, kuwamana mabanki chiphatso yogulitsa, kwathunthu kukusalani n'zotheka sangakhale zotheka bankirapuse. Komabe, tiyenera kukumbukira ndi mavuto anakumana ndi "Rosenergobank" (Russia) osati kutali 2008. Pa nthawi imeneyo, bungwe chuma kwenikweni matenda zomvetsa ndipo anali pafupi achire wa Chiphatso. Nthawi yomweyo anayamba kuoneka ogwiritsa anakwiya amene anadandaula za yozizira koopsa ya malipiro ndipo analephera kuwayankha ku banki.

Koma ngakhale kuchuluka ichi cha mantha bungwe ndalama analephera kubweza. Njira yabwino pamene gulu malonda ndi ntchito promissory cholemba chiwembu. Kwenikweni ake anali motere: makasitomala banki a anafunsidwa kuti mmalo mwa kudzipereka zosakwanira za bungwe ndi zolemba wapadera promissory. Makamaka, "Rosenergobank" (revocation chiphatsocho Pankhaniyi amaganiza, koma anakwanitsa kuthawa) anena kuti ambiri makasitomala awo kugula 90% kuchuluka kwa ndalama Anapachikidwa, pamene 10% manja a ndalama.

Malinga ndi chilamulo, njira imeneyi anatilola kwathunthu kuthetsa sanali opereka amaloledwa nduna (omwe ali pano zambiri woyenera neispolniteli kasitomala ntchito, kuphatikizapo ngongole msonkho). Ndipo pakalibe chotero Kutengera Zikatero, analanda yang'anira ofunda maziko kwambiri muyeso mu mawonekedwe a revocation wa Chiphatso.

Ichi ndi chifukwa chake kodi?

Panopa ndemanga za "Rosenergobank" (ogwiritsa ndemanga) amagwirizana ndi nkhawa zatsopano zokhudza Kusakhazikika ake ndalama. Zifukwa ali zingapo:

• yokumba mantha, bungwe mpikisano mabanki;
• mantha mu intaneti analengedwa ndi ogwiritsa okha;
• akuyambitsa womkanikizawo;
• Akatswiri;
• umboni amamvekera mawu ndalama zilipo poyera.

monga kupezeka kwa mipata weniweni mlandu, mutitsegulire mamembala a chipwirikiti pakati pa zifukwa zazikulu.

Malinga ndi akatswiri, njira yokhayo kupewa malo-apansi wa ngongole bungwe - mwadya mfundo zimene zingatisocheretse anachita zoipa makasitomala. maganizo zikuoneka akugwirizira yekha "Rosenergobank" (ndemanga ya gombe Pankhaniyi amathandiza chiphunzitso ichi) monga malipoti ake kwa nthawi yotsiriza anaika mu August chaka chino. Choncho, deta kwa September ndi zotsatirazi miyezi iwiri malo palibe ulamuliro.

Mogwirizana ndi kumana statement a chuma, ambiri owerenga, kuphatikizapo akatswiri a zachuma komanso otsutsa anapanga zonena zawo za Kusakhazikika banki a. Koma kodi pali chifukwa chilichonse mantha?

"Rosenergobank" achire chiphatsocho kuti: kodi akatswiri amati chiyani?

Akatswiri, musati mantha, koma muziganizira kaye mavuto amene waima. Mwachitsanzo, ambiri a mayankho a mafunso okhudza malo ndalama ya gulu la chuma mungazipeze pa Webusaiti ake boma rosenergobank.ru.

Pa nthumwi kuti a banki bwino kufotokoza akamanena za zinthu zenizeni. Chotero, inu mukhoza kufananiza kuchuluka kwa ndalama zokha, lofalitsidwa mu oyambirira October ndi September. Mbali yoyamba, izo anakwana rubles biliyoni 8,9, pamene lachiwiri - biliyoni 10,6. Kuchokera pamenepa tinganene kuti yekha mwezi panali kuchepetsa kukula likulu ndi mochuluka momwe 16%. Akuti okhawo amene kampani chinachitika kuwonjezeka lakuthwa mu zomvetsa.

Komanso, nkhawa zawo za kuchepetsa phindu kololeka wa mbiri likulu banki munthu ndi yang'anira lokha pa chiyambi cha October. Malinga ndi malipoti amenewa, phindu izi zikupita zoipa, kenako kusanduka 5,125% kapena m'munsimu. Motero, kosamalira ndalama anali ndi mavuto ndi ngongole subordinated.

Komabe, kuti apirire iwo, pamene ma sheya hoda anaganiza kuti atembenuke ngongole m'zigawo za banki. Ndi chifukwa ichi ndipo anabwezeretsa ponseponse likulu adequacy. M'mawu ena, chirichonse chimene mavuto azachuma anakumana aliyense "Rosenergobank" chilolezo achire iye alibe anamuopseza. Ngakhale kukusalani chikoka cha zinthu zina popanda oimira wa bungwe chuma, si koyenera.

Mwachidule, kuwamana mudziwe akupereka chifukwa watsopano nkhambakamwa ndi maganizo. Ndipo Chofunika, izo moyipa bwanji mbiri ya bungwe ndalama.

Kodi ogwiritsa ndikuganiza?

makasitomala bungwe ngongole zambiri kufotokoza mavuto ndi kuchotsa ndalama, nkhani ya "Anapachikidwa" Malipiro ndipo ananeneratu bankirapuse chayandikira cha bungwe. Ena M'malo mwake, kunena ubwino watsopano mogwirizana ndi banki. Mwachitsanzo, mmodzi wa zaluso amenewa amaona kanthu kwa eni makadi UnionPay International. Malinga ndi mawu ake, ndi makadi kupereka katundu kwa kunja 'makasitomala Rosenergobank zosiyanasiyana "adzatha kulandira mpaka 30% kuchotsera.

antchito chiyani?

Nthawi zambiri, kusakhazikika ndalama mabungwe ngongole kuti ogwira ntchito okha. Ichinso kumaoneka ndi zolowa yaikulu ndi ndodo. Kuti timvetse zimenezi, simuyenera kukhala katswiri kapena katswiri. Mwachidule fufuzani "Rosenergobank". Feedback ku ndodo bungwe nawonso mbali yofunika kwambiri. Koma choyamba, muyenera kuyang'ana pozungulira. Malinga ndi makasitomala, zinthu mwa wina wa nthambi wamba ndithu. Chisamaliro cha khola ndipo palibe zizindikiro za mantha. Kukonza pogwira ntchito kuti sadzasiya dongosolo. Amakonda ndodo, kasamalidwe ndi ntchito mfundo.

Mwachidule, malo ikulira, ndodo musathamange, ntchito ndalama zimagwiridwa. Choncho, kusakhazikika ndipo makamaka kuti asinthe chiwembu chilolezo, osati ngakhale mwa funso.