SB Bank: amutsutsa kudalirika mlingo

SB Bank anakhazikitsidwa mu 1994 mu Moscow. Gululi kholo kampani ya gulu chuma, zimene zinaphatikizapo ZPIF anatchula "Mart Realty" ndi SB Ngongole Kulengezedwa Limited. Chifukwa cha mobwerezabwereza kukonzanso kutentha kwa bungweli adalandira lalifupi dzina CB "SB-Bank." gululi lakhala ntchito komanso kukula mofulumira, lolunjika pa makasitomala amapeza. Iwo ali malo 80th pamwamba mazana, ndi wachitatu - mu kusanja dziko.

SB Bank: mavuto

Mbiri ya bungwe anayamba kutha kumapeto 2014, pamene tawerenga IP ndi mabungwe alamulo akhala zii. Pa maonekedwe, anthu anadandaula za malipiro Chosavomerezedwera CB Shipbuilding Bank. ndemanga kasitomala amasonyeza ambiri mavuto chifukwa chobwezera mochedwa misonkho, chilango chifukwa ndi ubwenzi owonongedwa ndi kampani.

Ngakhale mbali ya malipiro apabe ikuchitika. January 14, 2015 zapita ntchito, analamula December 26. Malinga ndi lamulo ndikupeleka chionekera masiku atatu. Chifukwa chakuti SB Bank Kodi Usatenge ndalama, ambiri makasitomala anakakamizika kusiya gulu la ntchito. Pa nthawi yomweyo, ambiri kuona mtima waubwenzi wa ndodo amene amalangiza pa kutsekedwa nkhani, amene muyeso ndithu kwa zinthu zonga izi.

Posakhalitsa panali zodzinenera zake ndi anthu amene asankha kupitiriza mogwirizana ndi "CB" SB Bank ". Mavuto anali inavuta kwambiri pamene gulu anayamba kusintha mu" lakutsogolo "ntchito pa tsiku la malipiro. Njira imeneyi imasonyeza nthawi ya mapangidwe malamulo malipiro, chiphaso cha processing ake ndi madebiti. masiku awa kusinthidwa tsiku.

SB Bank ndi mavuto malipiro anayesa kuthetsa mwa kutsegula Kutengera kulephera kuchita ntchito. Chifukwa chaichi nkhani watsopano wakhala analenga 47418. Izi zinasonyeza anavomereza kuti aphedwe ndipo anatumizidwa ku Bank ku Central ntchito, koma chifukwa cha kusowa ndalama nkhani mtolankhani, wotuluka awa akhala anasamukira ku osiyana index khadi. Kusakasaka deta tsiku ndi tsiku, banki akuyesera kuchepetsa chiwerengero cha zopempha mu owona. Koma pamene katundu wapamwamba luso kuwona tsiku lenileni la zikalata mapangidwe. Chifukwa, pa January 27, kukhazikitsidwa wakhala kwathunthu sakukhudzidwa ndi dongosolo la kugula zamagetsi ndi Bank wa Central.

kampeni malonda

Pofuna kuthetsa vuto limeneli, kuletsa outflow la likulu ndi kuchepetsa kuchepekedwa ndalama okwanira, gulu anayamba kupereka zinthu payekha pa madipoziti. Ambiri a anthu amene sankadziwa za mavuto, mwalowa latsopano pangano lokhazikika yaitali. Ndipo pamene nthawi yawo yatha, zinadziwika kuti SB Bank Kodi Usatenge malipiro, ndipo sabwerera madipoziti. Pa nthawi imeneyo kale opareshoni Boma zosakhalitsa.

The malire atsopano

pa ndalama malamulo achire kuyamba popanda zidziwitso m'mbuyomo malipiro: kuchokera ATMs - 40 zikwi rubles (ngakhale ndi ngongole "umafunika +") ndi 100 zikwi - chifukwa makasitomala ena. Kwa amene akufuna kupeza ndalama, inu munali tsiku kuwayika 100 zikwi Pa oimira yemweyo nthawi ya gombe ankakhulupilira kuti malamulo okhudza nthawi withdrawals ndalama zonse zakhala. Monga tsopano malire zasintha. Mu 2013, popanda ntchito isanafike akhoza kuchotsedwa rubles miliyoni. Mu 2014, kuchuluka izi halved, ndipo mu 2015 kale anakwana rubles 300 zikwi.

mlingo

chakuti gombe ndi mavuto liquidity kwa makasitomala ambiri Tinadabwa wathunthu. Back mu 2014 National Mavoti Agency Voterani bungwe "AA-". Kumapeto kwa chilungamo chaka ma sheya hoda 'chifukwa kutembenuka wakhala chinawonjezeka ndi chilolezo cha Mtsogoleri wa ngongole subordinated. Mu December otsiriza yogwira malonda kampeni kukopa madipoziti mu LLC "SB Bank". Mavoti kudalirika okha pa chiyambi cha 2015 utachepa mlingo wa "C". Koma ngakhale ndiye magwero onse analibe zokhudza kuyan'anila ntchito. Choncho, ndalama ndi anawonjezera mgwirizano awo pa madipoziti.

Makasitomala anadza kwa chitetezo cha

Posafuna kusiya bungwe lawo lapamtima, depositors kuti kalata Bank ku Central ndi pempho kuti liquidate banki. Atanena view kuti mavuto liquidity chikanachitika chifukwa cha kugwa kwa ndalama ya dziko, kuwonjezeka mlingo refinancing. Koma makasitomala wamba sangathe kudikira ndi kusintha komanso kuona kuopsa awo. Imeneyi, kungakhale aliyense bungwe ngongole. Sikuti kuthetsa izo. Koma zonsezi zalephera.

review layisensi

February 16, 2015 lofalitsidwa mawu kukopa anthu okayikitsa kwa gulu kuchira pa mawu wololera ndi simudalandira. Choncho panali zochita kuti mupewe msika banki Shipbuilding. Chiphatso anali kudzipatula tsiku lomwelo.

zifukwa

Malinga ndi CBA, gulu linali losauka kwambiri kakatundu quality, monga ndalama padera bwino kuwapeza anthu. Izi zinachititsa kuti kutayiratu likulu ndi kulephera kukwaniritsa udindo ndalamawo. Komanso banki watipatsa mfundo zabodza kuti kubisa mavuto amene alipowa. eni sanayese akonze zinthu.

Kukhazikitsidwa kwa nthawi yaitali anali ndi ophunzira mwakhama wotuluka ku repo pa katundu kuwombola (Moscow). SB Bank kawiri analephera kutsatira udindo wake mu January 2015. Total ngongole anakwana rubles oposa 2 biliyoni. Chifukwa sheya mavuto azachuma devalued, amene padera ndalama. Anapanga malire kuitanira banki kuti sangathe kupulumutsa ndalama ndi chitetezo Bank wa Central. Chifukwa cha mavuto amenewa mu 2008, Sviaz-Bank anagwa pansi ziŵalo, ndi "zida Finance" yathetsedwa.

Pambuyo mphepete kuitana kokha kukulitsa vuto LLC "KB" Shipbuilding Bank ". Reviews makasitomala kutsimikizira kuti makampani anayesa kuti abwererane ndalama. The chiŵerengero kuwombola kukhazikitsidwa inasintha ndiwofatsa. Popeza banki atatopa ngongole medium- ndi yaitali kuti mabungwe alamulo, anapanga zolowa otsika wa mbiri ngongole. matenda liquidity inflows ku pobwereka izo sizinagwire ntchito.

akuluakulu Bank kuti mavuto chikanachitika chifukwa cha revaluation la feduro nsinga ngongole. December 16 OFZ ndi kukhwima mu 2028 pa tsiku anagwa 53% kale (December 2019) - mpaka 65.1%. Malinga ndi kafukufuku zosavomerezeka, dovnesenie ndalama ku Bank ku Central anakwana rubles oposa 2 biliyoni. Onse mabanki kuti ntchito pansi kuwombola piramidi akukumana ndi mavuto awiri nthawi imodzi: kuukitsa chiwerengero cha Bank ku Central ndi kuonjezera ina pa katundu kuwombola. Makamaka banki Shipbuilding 12% ya ngongole akhala nawo sheya.

Mwa lamulo, ngati banki milungu iwiri sangathe kukumana zofuna za angongole, Bank ku Central mwina asinthe chiwembu chilolezo. Kodi n'chiyani chinachitikira.

adzabwerenso madipoziti

SB Bank, mavuto amene sikanathetsedwa, adzawonongedwa pasanathe zaka ziwiri. Malipiro oyamba depositors anayamba pa 2 March. Popeza banki anali nawo dongosolo gawo inshuwalansi, makasitomala angathe kutenga 100% ya dipo, loperekedwa kuti ndalama zake ndi chidwi osati choposa 1.4 mln. Rubles. Woyamba udzabwezeredwa miyala ya anthu. Chiwerengero cha madipoziti ndi 21,8 Bln. Rubles.

Pomaliza

Kumapeto kwa 2014 pa Shipbuilding banki mavuto liquidity. Motero, nkhani zambiri za mabungwe alamulo ndi amalonda munthu akhala zii. sikunali kotheka kubwezeretsa zinthu paokha chifukwa cha khalidwe osauka a mbiri ngongole. A banki chapakati anakana sanitize kukhazikitsidwa.