Bank "Delta Credit": ncomo. "Delta Credit" (Bank) amasebe, iidilesi, impendulo umthengi

Phakathi iinkokeli kwimarike Russian kwi icandelo mortgage yokubolekisa - ibhanki "Delta Credit". Nangona ulutsha isalamane, eli ziko-mali ikwazile ukufikelela impumelelo elininzi isigaba umsebenzi wayo. Ngenxa yintoni iingenelo lokhuphiswano ibhanki ukukwenza oko? Ziziphi iimpawu iinkqubo mortgage ezinikezelwa yi "Delta Credit"? Yintoni na iindlela ephawulekayo yentsebenziswano ngaseludinini kunye nabathengi bayo?

Malunga ibhanki

"Delta Credit" Commercial Bank (DeltaCredit) kucingelwa ukuba yenye yezona ngowokuqala kwi credit Russian kunye namaziko zemali ngokukodwa kwimarike mboleko leyo. Nangona neminye imibutho emininzi sizama ukunika abathengi inani sikhulu sala iinkonzo, DeltaCredit igxininisa ngokukodwa kwimarike mboleko yezindlu. Akukho kakhulu kangangokuba eRashiya njengemibutho ezizodwa lwamatyala zemali, ezifana "Delta Credit Bank". Yomboleki yeentengo zemboleko kulo engenakufunyanwa, kodwa ngezinto ezininzi abangazikhetha imali-mboleko apho.

Ulwazi lokuqala malunga nokuphunyezwa kweenkqubo mboleko yebhanki zarekhodwa ngowe-1998, xa ingxenye ehambelana imarike yaqala kuphela lintshule. Noko ke, zebhanki DeltaCredit ngenkuthalo eRussia iqale ngo-2001. Njengoko sinokungqinelwa abanye abahlaziyi alunge ncomo, "Delta Credit" - yibhanki kunye liphezulu ngetyala. Lo mba unokuba ezibalulekileyo ngokwemigaqo yentsebenziswano, umzekelo, kunye Central Bank kunye namaziko ezemali amazwe.

Naziphi kunye kuhlela

Njengokuba sibonile ngentla apha, ngowe-2001, "Delta Credit," imali-mboleko, waqalisa umsebenzi kwilizwe lethu. Kwakunxibelelene nesibakala sokuba kukufakwa ubume ikomkhulu basemzini-yebhanki kwiziko lemali - JP Morgan. kweminyaka 4 kamva izabelo DeltaCredit zithengwe ngokupheleleyo liqela zemali "Societe Generale". Ngokutsho kwezinye abahlalutyi, oko kokudityaniswa yibhanki umdlali inkulu yaseYurophu imarike ubukhulu becala kwangaphambili ukwanda esebenzayo DeltaCredit kwimarike yemali Russian. Xa kulahlwe ezakheke isixa esikhulu lwezibonelelo, "Societe Generale", amava zolawulo kunye nonxibelelwano kunye nabadlali-mali enkulu eYurophu.

Kangangexesha elide iziko lamatyala zazisetyenziswa Cjsc "Delta Credit". Ibhanki, kunjalo, kuya kufuneka ukuba igama layo ngokuvisisana utshintsho oluthile kumthetho RF. Isibakala sokuba iintlobo ezifana zamashishini njengokuba iNkampani kunye OJSC ngoku zipheliswe. Ngoku, ukuba omnye okanye omnye umbutho, kuquka iibhanki, esebenza ngokukhupha izabelo, lo gama kuvakala ngathi SA.

Ibhanki kunye kwimarike

Imalike mortgage eRashiya likhula ngokuthe ngcembe kule minyaka imbalwa idlulileyo. Ngokomzekelo, ngowe-2013, ingeniso kule ingxenye yandiswa kakhulu ngaphezulu kwe-31% xa kuthelekiswa namanani ka-2012. Umthamo uwonke mboleko liye ngaphaya 1.35 ezigidi. engange, imali-mboleko -. iiyunithi ezingaphezulu kwama-800 amawaka .. Ukongeza, eziliqela wanqaba umthamo mboleko engahlawulwanga - kuba sasifana ukuya 2,04% ekupheleni kuka-2013.

Abahlaziyi "Delta Credit" silindele ukuba ekupheleni kuka-2014, imarike yemali eRashiya liya kukhula nge-15%, ngokubhekiselele ixabiso, umthamo wayo uya kudlula 1.5 ezigidi. bagcobe. Ingakumbi eqhubayo kulindeleke ukuba ikhule kwi icandelo izakhiwo ezitsha - tshintshayo ezinxulumene njengoko iingcali Bank ukukholwa, kuya kuba-35%. Esi sigaba siya kuhlala omnye wemiba ephambili mortgage kwimarike eRashiya. Kwaye hayi nje kuphela ngenxa omkhulu, kwiimeko ezininzi, umtsalane entsha ukuthenga ekhaya xa kuthelekiswa ne ezizisekondari. Isibakala sokuba eRashiya ezicinga utyalomali kwizakhiwo ezitsha njengendlela ukugcina imali kule inkalo okuthenga. Ruble - lwemali akukho ezahlukeneyo ngexesha oludlulileyo. Nangona emarikeni real estate xa iyonke luphawulwa ukukhula bamxhasa. Utyalo-mali kwizakhiwo ezitsha - kukho ithemba enomtsalane kubahlali ezininzi Russian Federation.

Kwangaxeshanye, kweminye imimandla, elibango zabona kwi "izindlu yesibini." Inyaniso ukuba iintsapho ezininzi inokubona kuyimfuneko ukuba izindlu ezintsha ngomhla obekiweyo ekuqaleni. Awanalo ixesha alinde neeflethi zokwakha sekugcineni, yaye ngakumbi ke ngexesha elifanayo ukuba ukuhlawula imali-mboleko. Ukongeza, baseRashiya abaninzi bathenga izindlu azikho kakhulu ukuze aphile ngazo, kwaye ukuba uqeshiselwe elandelayo kunye nokuguqulwa ibe njengempahla ulwelo. Ukulungiselela le njongo, ukuthenga isakhiwo esitsha akuyomfuneko: kusenokwenzeka ukuba imali endlini esemgangathweni kwindawo elungileyo aloo mzi, enoba linikwa kwi kwicandelo lezindlu yesibini.

isakhiwo yenethiwekhi

"Delta Credit" - bangafumana imali-mboleko, nto leyo isebenza eRashiya, zombini ngaphakathi kumsebenzi womnatha yalo ofisi kunye nemijelo iqabane ngebhayisekile. Ngoku eli ziko zemali - phakathi kwabalawuli ngokwemigaqo mboleko mortgage, nangeendlela ezininzi kule iwonga, iingcali zithi, ibhanki kubangelwe sokuyilwa inkqubo yentsebenziswano kunye neminye imibutho esebenza kwicandelo.

"Delta Credit" - isebe lebhanki imelwe kwizixeko ezinkulu eRashiya: Moscow (St. Moss, 7.), eSt Petersburg (Nevsky Ithemba, 114-116), Kazan (Ostrowski, 87). Ngenxa yoko, ubume ubambiswano zikho kwiingingqi ezininzi.

Imisebenzi "Delta Credit" isibalo

Izinga evavanyiweyo kwi mboleko mortgage kwi "Delta Credit" kuxhomekeke kummandla ebhankini. E Nizhny Novgorod, umzekelo, ngo-2013 kwaba 12.4% in RUR (leyo ngaphezu kancinane ngaphezu ngo-2012) yaye 9.6% yamanye amazwe (nto leyo, alithe gangqa kunyaka ophelileyo) . Ngenxa yokuba ngo-2014 i-Central Bank lanyuka yayo ephambili umyinge wenzala, iingcali silindele ukukhula ngakumbi kwiimeko mboleko zabo ngabo iibhanka Russian. "Delta Credit" Kusenokwenzeka ukuba aziyeke malunga nalo mkhuba.

I-avareji ubungakanani mboleko mortgage kwi "Delta Credit" - nezikhombisi ezixhomekeke kakhulu kwi phambi ibhanki kulo mmandla. Xa sithatha kwakhona umzekelo, Nizhny Novgorod, inani elifana nelo 2013 kwaba malunga 1 yezigidi. 357 lamawaka. Hlikihla. Kwi-avareji eRashiya - ngakumbi kancinane, malunga 1.64 yezigidi engange .. Kakade ke, amanani ziya kwahluka kakhulu ukuba ugqaliselo wemizi emikhulu Russian, apho kukho ibhanki "Delta Credit" - Moscow. Kodwa ke nawuphi na umsebenzi - ukuya elikomkhulu okanye Nizhny Novgorod - ngokwaneleyo ukunika oganogram nemiba zemakethi: ngendlela enye okanye uya kwandisa omnye ngenxa amanani kwamaxabiso yokuhlala yendalo.

iinkqubo loan

"Delta Credit" inika abemi Russian iinkqubo eziliqela mortgage langutana. Iimeko phantsi apho eli ziko-mali inikeza ukukhupha mboleko ekhaya, zinokuthelekiswa ngokubanzi kunye neziphakamiso ezinye iinkokeli emarikeni. Ukuba ezinye iinkqubo mboleko babe ubhejo enkulu, oku kudla zincitshiswe iimfuno kuncitshiswa kubaboleki.

Phakathi iimpawu ezininzi langutana okuluphawu ibhanki "Delta Credit" - nezivumelwano zokubambisa kuyo ubukhulu wemali. iimveliso seMali lohlobo ezinikezelwa ngumbutho, njengoko umthetho, luphawulwa ngexabiso eliphantsi. Kodwa ke ngaxeshanye kunye olubonakalayo uphelelo engange kubaboleki babe ubunzima ekuhlawuleni imali-mboleko.

Njengoko data kwiqela zemithombo yoluntu, imali iyonke imali amazwe mboleko mortgage eRashiya lingenabukhazikhazi kakhulu - malunga ne-0.3%-mboleko iyonke. Ngenxa kozinzo kwiimarike zemali Russian Federation nezivumelwano zokubambisa kuthandwa ngohlobo lwemali kungenzeka ahlale ephantsi kule minyaka izayo.

Kukho "Delta Credit" linikeza enomtsalane ezingqanyaniswe neemfuno zeentsapho abaselula. Kukho kwakhona ulwazi malunga neenkqubo zinika ngexabiso eliphantsi kakhulu ukuba imarike Russian - 9,75%. Kukho sisibonelelo zonyaka ebhankini, kwakunye neentlobo ezahlukeneyo izabelo, kunye izindululo Andamkeli mboleko phantsi amazinga base-.

Iintlobo kwezindlu, apho kubaboleki sinokuzuza "Delta Credit" ezahlukahlukeneyo. Ukuthengwa izindlu lulonke okanye ngezavenge. Ukuthenga ngetyala unokuba ezindlini, amagumbi, izindlu.

Kwezinye iingingqi, ubukho "Delta Credit" lo iimveliso zebhanki, naphaya ukukhangela le umboleki-mali yayifuneka intlawulo phantsi kwi-mboleko. Kuyenzeka ukuba ukusebenzisa, njengoko kwezinye kwiibhanki ezininzi, eyinkunzi umzali njengomthombo imali xa uthenga indlu.

Ukusebenzisana abathengi

Enye yeemfuno kwimarike, ekufuneka kunxibelelana naliphi mihla (kuquka "Delta Credit"), ibhanki - ncomo umthengi thile sikhatshwe ingxelo evela kwiziko kakhulu-bank zemali. Kwimeko ebhankini phambi kwethu, sinako ukulungisa imodeli umdla kakhulu ukuphunyezwa amaziko achaphazelekayo kule njengekhrayitheriya. Ingakumbi, le nkqubo, nto leyo ushiye zombini iimpendulo online ne-offline. "Delta Credit" - ibhange inika abathengi ushiye uluvo lwakho ngohlobo uhlolo kwiifomu iphepha kwi-ofisi, kwakunye ngonxibelelwano abathengi ngemigudu online. Zeziphi ezi nkcukacha ze kwicala yesibini umsebenzi?

Aplikheyishini kuluntu virtual (integrated nefomu lempendulo) liyinxalenye widget kwiphepha lasekhaya le site yebhanki. Abathengi kwimibutho zemali, esebenzisa kubo bangazishiya izimvo zabo. "Delta Credit" - ibhange uyiphathisiweyo yigcine, kuqala, ukuba ngokuphandle. Inqanaba yokumodareyitha kumphakathi kuncinane. Oko kukuthi, ukuba ingxaki wokwenene, nto leyo umlomo yibhanki. Ukusuka kwindawo lobugcisa lwembono, intsebenziswano phakathi "DeltaCredit" kunye nabathengi zaphunyezwa elula ngokwaneleyo.

Ukuba zithini iindaba eziphambili kweli cala, nto leyo ebonisa "Delta Credit 'yayo? Bank (buyekezwa kwabasebenzi onoxanduva intsebenziswano kunye nabathengi intanethi ukuqinisekisa oku) ubukhulu becala ijolise nendlela isicombululo iingxaki kubaboleki yayo langoku nelexa esigxininisa zalapha ekhaya kwabo. iziphakamiso kulawulo okt ezingaphelelanga kwezinye ngamabinzana aqhelekileyo: njengoko umthetho, yenziwa ukukhuthaza ingxoxo yabathengi kunye nabameli yebhanki kwisixeko esithile okanye ummandla. Umzekelo, ukuba kukho umbuzo othile ubuza ngumhlali St. Petersburg kunye esikwidolophu ekufutshane, kusenokwenzeka ukuba impendulo uya kunikwa ngokusekelwe iimpawu kwilali, apho usebenza 'Delta Credit Bank "- eSt Petersburg okanye nasiphi na isixeko kummandla iLeningrad. Olu phawu impefumlelwano kwenkqubo ngetyala kunye kwiziko lemali abaxhasi bewuncoma ziingcali ezininzi kubaboleki, eshiya impendulo yakho izimvo portal online uphawu okanye izibonelelo weendawo.

ingqalelo kakhulu "Delta Credit" kuhlawulwa nokuqeqesha abasebenzi babo abanobuchule ukunxibelelana nabathengi. iingcali I-Bank ukuwina ukusebenzisana abathengi malunga nokusekwa iinkcukacha ezigcinwayo yoluntu, ukwazi ukutsala ezinye kubaboleki. Ngale ndlela, kunokuba nayiphi okulungileyo - kuquka negative - ingxelo. "Delta Credit" - ibhange unako, ekucombululeni iingxaki zokwenene abathengi lwangoku, ukudala umfanekiso omhle emehlweni ka kubaboleki. ulwazi Public kwi ingxelo Portal imidlalo Bank, ngokutsho iingcali, indima ebalulekileyo ekutsaleni kubaboleki ezintsha. Ukuba, umzekelo, umsebenzisi umdla mortgage reviews yebhanki "Delta Credit" yaye licela kubathengi zangoku ezi nkonzo mali portal sokuthengisa ingaba yinto inkalo ephambili kwezigqibo baxhasa kuqhutywe mboleko ngazo udumo ubume bezemali.

Umsebenzi "online"

Indlela ukusebenza kunye nabaxumi kwimo "online", ibhanki olwenziwa practice? Eminye imithombo zibonisa, umzekelo, ukuba ukunxibelelana nabathengi nge Internet usebenzisa ezimbalwa iingcali kweshumi "Delta Credit". Umthamo engundoqo yomsebenzi kwenziwa lisebe sentengiso yibhanki leyo, kwakunye imizimba onoxanduva ubume lobugcisa bala izicelo zomxhasi. Ubungakanani eli yokuphatha iinkonzo zebhanki kwabathengi ngamajelo intanethi, kwakunye nomgangatho ekusombululeni iingxaki - iinkalo ezichaphazela ngqo neziphawuli zokusebenza kubasebenzi yebhanki phakathi kwiindawo ezifanelekileyo zomsebenzi.

"Delta Credit" - wengxelo umthengi yebhanki endalwamkelayo phezu Internet, ukuba abasebenzi abanobuchule kwamasebe afanelekileyo. Isicelo oluthile entity ekuyiwa uzimisele. Kuyinto kunokwenzeka, umzekelo, ukuba Umxhamli kuya kuba nako ukuphendula umbuzo zomqeshwa eqhelekileyo sebe lorhwebo le. Ukuba kwamathandabuzo specialist, oko iyithumele isicelo kumphathi wakho. Ukuba, ke, kuya kufuna inxaxheba namanye amasebe yebhanki - mbuzo ngqo kubo. Xa impendulo efanelekileyo iya ilungiswe, wenza izimvo kwi ukupapashwa "Delta Credit" ekuhlaleni online.

Kakade ke, kukho ngaphezulu "standardised" kuba isabelo kwimarike, nelinika i "Delta Credit Bank": "Akhawunti Yam" client. It umboleki unako ukufumana inkcazelo eneenkcukacha malunga neemveliso polzuemyh, enze izicelo kwi inkonzo yenkxaso umxhasi we ebhankini, ukwenza eminye imicimbi kunye neentlawulo. Ngokutsho kweengcali abaninzi baye baqikelela olu hlobo isixhobo inikeza "Delta Credit Bank", "ofisi Private" iinkonzo zabaxumi yeziko zemali - isixhobo ngokwaneleyo lula kwaye iluncedo.

Reviews Customer: amanani

Zintoni iziphumo ezibonakalayo wentsebenziswano kunye nabathengi ibhanki leyo nge-Internet? Umntu isho amanani, epapashwe eziliqela imithombo. Ukususela ngoFebruwari ukuya ku-Agasti 2014, umzekelo, kwi "enembonakalo yenyani" yibhanki ekuhlaleni "Delta Credit" udale imixholo ngaphezulu kwe 700 unique olwaqalwa ngabaxumi. Kwakukho ngaphezu kwamawaka 1. Izimvo. Ngeli xesha linye uluntu watyelelwa kwama 43 amawaka. Abasebenzisi Unique. Inani iimbono portal ligqithe amawaka 329. Iinketho Interface ziquka ekuhlaleni, ukwanda intuthuzelo okusetyenziswa kwemithombo yobutyebi. Ngokukodwa, xa umxhasi iqala ukubhala ukubuyekeza okanye unyango yenziwa imixube autosubstitution olusekelwe kulwazi evela injini yokukhangela ngaphakathi isiseko solwazi yangoku. Ngenxa oku, umntu abhale isicelo ebhankini, ichaza kakuhle ingxaki umlungise okuba eziphakamileyo kakhulu, kwaye kwiimeko ezininzi ukulungele ngokupheleleyo ukuze ufumane impendulo yombuzo wakho. Umzekelo, ukuba umntu onomdla into apho "Delta Credit Bank" idilesi eMoscow okanye St. Petersburg, lo ubume bezemali, it has zonke amathuba ukufumana ulwazi ekunene kwi database okhoyo.

Manani epapashwe kwinani imithombo zibonisa ukuba malunga ne-70% abathengi ibhanki ngayo ukusombulula kobunzima ngaphandle ngokutsalela kwedesika uncedo. Oko kukuthi, ukufumana iimpendulo kule database sele kwakhiwa.

Enye into ebangel 'umdla yendlela "Delta Credit" inkqubo ingxelo yenyani - it uluhlu olubanzi kukho unxibelelwano phakathi abathengi a yebhanki (hayi kuphela abasebenzi kwiziko lokuthenga ngetyala). Njengoko kubonisiwe eziliqela kwimithombo, malunga-12% ye-imibuzo ethunyelwe ngabathengi iinkonzo zebhanki, "ivaliwe" ngenxa izimvo zabanye abathengi.

iindlela zovavanyo ababoleka imali '

Njengokuba besesitshilo, ingxenye, eyenza kakhulu ebhankini "Delta Credit" --mboleko. Ekubeni ifomathi umsebenzi ibandakanya intsebenziswano ixesha elide kunye umthengi, imiqathango yalo yovavanyo yokuhlawula amatyala kufuneka elungeleleneyo. Oko kukuthi, kwelinye icala, ibhanki kufuneka sivumele kunikezelo mboleko kubaboleki kunye imithombo ezithandabuzekayo yengeniso ezinokuba olungalungiselelwanga ukuze ingqeqesho engqongqo zemali. Kwelinye - imiqathango engqongqo ukuba bamqumbise akathandi kusebenza kunye kwiziko zemali uhanjiselo-bank enokwenzeka.

Bank "Delta Credit", ukusebenza ngaphantsi kolwalathiso ngokubonakalayo ekuphuculeni lwemfundo yabo credit amanqaku. Kwiminyaka yakutshanje, ugxininiso apha obekwe kwi inkqubo esizisebenzelayo. Isigqibo sokugqibela malunga mboleko nangoku kuthatha abantu, kodwa yokulahla lakhe multifactorial luwela ingxelo uhlaziya yokuhlawula amatyala lesigulane eso, bacele mortgage ibekwe gca ngeenkcukacha ezaneleyo. Enye yezi izisombululo, umzekelo, kubandakanya imveliso, elisuke laba sisiphumo ngokunxulumanisa ofanayo ka-CRM-iimodyuli kunye neenkqubo okuhlalutya ezinikwa yi yibhanki iintlobo ezaziwayo kwinqanaba Microsoft, kwakunye zolwazi zabo "Delta Credit" kunye nezo zinikwa yimibutho iqabane.

Automating inkqubo isigqibo malunga izicelo ukwandisa imveliso iyonke amagosa amboleke ebhankini, ukunciphisa iindleko zokusebenza ezinxulumeneyo, ukuphucula intuthuzelo zabaxumi ngokwabo, abangenazo elide ukuba silinde iziphumo ukuqwalaselwa iikhweshine. Qaphela ukuba izibonelelo ezinye iinkqubo credit amanqaku nako ukwenza kunye namaqabane "Delta Credit Bank". Izicelo abathengi zabo nazo zihlolwe kwesikhokelo ubuchule ezenzekelayo.

umsebenzi kwinkqubo yesizwe

Njengoko umthetho, isakhiwo kweloo IT-iimveliso ibandakanya uhlalutyo ngeendlela ezimbini - iinkcukacha ngqo malunga mboleki kunye nolwazi ngqo ngayo. Ngokomzekelo, phantsi kuqala option bafunda imbali yekhredithi yokuba ngummi yokuphatha automated lwenkqubo kwi-ofisi efanelekileyo okanye nayiphi na enye database efanelekileyo. Olu hlobo isicelo, ngokuqhelekileyo wenza CRM-nkqubo (njengenxalenye eyodwa esebenza imveliso). ulwazi engangqalanga malunga obolekayo - Umkhuba esitsha e-ngezimali awayephantsi iibhanki Russian. Phakathi imithombo ezinokuthi inxaxheba kulo mzekelo - iinkonzo payment manani, ukufumaneka izohlwayo ezibalaseleyo, ulwazi social networks, ulwazi sendawo indalo. Zonke ezi ndlela, "Delta Credit" angazisebenzisa automated yokuhlawula amatyala zabo zovavanyo inkqubo kubaboleki.