"Finance and Credit": iingxaki. Izimvo abathengi yebhanki

"Finance and Credit" kudweliso lwenkqubo olunokwenza iingxaki ixesha elide. Ngaphambili, waba yenye yeebhanki ezinkulu, yaye namhlanje phantse wehlile kwimbali. Ingxaki kukuba urhulumente walile ukuxhasa umsebenzi kumaziko zemali. Kunye noMnu Zhevago ngumnqweno kakhulu ukuba kudala shwaka. ibali brilliant nyama- kwimarike zemali, eyaqala ngo-1990, phantse yafikelela esiphelweni ekwindla ka-2014.

Ngezinto zezindlu zooyise, okanye njani uBukhosi Zhevago

ISebe of "yezeMali Credit" kunyaka edlulileyo iye ngempumelelo babesebenza kummandla Ukraine, ukukhonza amashumi amawaka abathengi ezikumgangatho ophezulu. Imbali nelamaRafa kwiimalike zemali yaqala ngo-1990, ngexesha apho iBhanki State of the USSR ebhalisiweyo inkampani njenge "Ukrainian Commercial Bank of Business Cooperation". Abanikazi entsha yeziko wanika kwiziko lemali iwonga elitsha kwiminyaka 90. Xa kusehla wabaseki ezintsha ngelixa abameli Ukrainian "zobungangamela asixhenxe":

• Medvedchuk.
• abazalwana Surkis.
• B. Zgurskaya.
• KaYuri Karpenko.
• B. Gubsky.
• Yu Lyakh.

Baba nomdla umbuzo apho ukuba bafake imali yabo ukugcina ukuba bayifumene, ukuthatha inxaxheba likhulu iphiramidi mali ophelileyo ebizwa ngokuba "Ometa 21". Yiloo nto weza yaziwa kulo lonke elo lizwe, "Finance and Credit", intloko yayo kwagqitywa ekubeni ukubeka uKonstantin Zhevago, ngoxa nje umfundi.

Footwork

Ukususela imizuzu yokuqala ngobukho kuguqulelo ihlaziyiweyo yale bank intloko yakhe, waqala ukuthatha inyathelo, usebenzisa indlela ebubuchule kulawulo ubume bezemali omkhulu. Namhlanje ibhanki, "Finance and Credit" - zawa yaye ngaphambili ke izabelo umthengi-doroguschih kunye ezibondeni a ezinkulu ezininzi iinkampani Ukrainian. Ulawulo amaziko nako ukutsala capital amazwe. Wemali kakhulu yodumo I. Buckeye, nto leyo yenza igalelo elibonakalayo inguqu yamaziko yasekhaya mini-Switzerland. Kubume zezimali iingxelo Bahlala iminikelo kunye nokuphikisa ezopolitiko, kunye namaqela mveliso, kunye nezakhiwo zolwaphulo-mthetho kunye nezo-mthetho. Nangona lokungasebenzi lwamaziko kwisigaba yoluntu, inxaxheba ezincinane zorhwebo inter-yibhanki kunye mboleko zezenzi kubantu, akwazi kusoloko phezulu phezu nokubeka NBU. Ngokumalunga ibhange "Imali kunye Credit", iingxaki eyaqala kakhulu kutshanje, de imilinganiselo waba ukubuyekeza ezimbi kunye neengxelo.

Iingxaki yokuqala

Neengxaki zokuqala abajongene ngamaziko ezinkulu zemali kwisiqingatha sesibini sonyaka wama-2008. Yaba ngeli xesha Ukraine sele liqengqiwe nokulatyuza ntlekele. Kweli nqanaba, ibhanki, "Finance and Credit" phantsi kokhokelo Zhevago iye yaba isakhiwo eqhelekileyo yorhwebo, apho sakhonza CEO qela. Wawuhlanganisa iinkampani kungekho ngaphantsi kwe-60 kunye nosomashishini. Kuyinto le mibutho Zhevago kwaye kubathengi eziphambili abaxhamli ibhanki leyo, aze abamkele amazinga enzala kuFeliks kunye nemigomo enomtsalane. Kunokuthiwa ukuba ibhanki "Imali kunye Credit" (yena Ekutyhobozeni phantse kuphela ngo-2014), emva koko waya isigqibo umngcipheko babeka yokwenza izibophelelo zalo kubathengi. Ngowe-2008, amaziko amaninzi zemali bajamelana neengxaki, kodwa abantu abaninzi baye bafumana inkxaso-mali evela National Bank. Loo nto inika umdla gqitha ukuba isabelo ingonyama ngayo eyinkunzi enikiweyo iye isetyenziswe ngempumelelo kwi intelekelelo ngaphakathi kwimarike exchange angaphandle.

Fatal 2009: Ithemba wokugqibela

Spring 2009 yingozi ukuba ebhankini. Yonke le nto yaqala iingxaki amashishini ezifana "AvtoKrAZ" uyekile imveliso ngexesha elingekho ngaphantsi kweenyanga ezintandathu, kwaye "Kyivmedpreparat", nto leyo engakwazanga ukuhlawula kuhlobo umba iibhondi zobugcisa wathembisa engagqibekanga yokwenene. Ubunzima kwakhona kwi "Stakhanov Wagon Inkampani", nto leyo angazange ukufumana ii-odolo ze-2009. Zonke ezi amashishini zaye owned Zhevago. Ngu ukuqondana lilishwa, ngalo kanye ngaseludinini emiselweyo ngelo xesha kwaye ibhange "Imali kunye Credit", apho isebe liye yasebenza ngempumelelo lonke Ukraine.

Ngubani unetyala ebhankini?

Iziko zemali engaphumelelanga ukubuyisa imali, hayi kuphela abantu, kodwa ikhredithi-70 ezigidi zeerandi, apho wathabatha kwiziseko ezifana Raiffeisen Zentralbank, Standard Bank no "VTB Bank". I-Bank ayikwazanga ukuhlawula nkqu inzala kwimali-mboleko. Iphothifoliyo mboleko ixesha kuquka malunga nama-35% lemali-mboleko mboleko, nto leyo malunga 4,85 billion hryvnia. Xa kuvela ingxaki, tsarivshem ngoxa kolu didi ityala ngokuzenzekelayo idluliselwa kudidi lwe lithemba. ziingcali Bank kuhlolwa le meko yaye isaziso ukuba kugcinwe iziko osinde ifuna kapitalovlivany of $ 5.5 billion hryvnia.

ubunzima sebenzo jikelele

Ulawulo ebhankini, "Finance and Credit" (Kiev) ngoMatshi 2009 yenza isigqibo kwi kwintlanganisso engaqhelekanga ukuze ucele uncedo oluvela kurhulumente. Ukuba sicinga ukuba wolawulo ukusekwa, ngaxeshanye kwaba ibamba BYuT kunye Party zombini umxhasi likhulu le yunithi, isigqibo seKhabhinethi yaBaphathiswa iyancumisa nje kuphela, kodwa kubangele kakhulu. Ngaloo ndlela, "Finance and Credit" ebhankini, iingxaki kabani na esoyiswa, engena uludwe amaziko asixhenxe zemali eUkraine, apho imali eyinkunzi yi-mali karhulumente. Sinqwenela ukutsalela ingqalelo into yokuba imali eziza kukunceda ukusombulula le ngxaki kunye nokuhlawulwa abagcinisa kunye needipozithi, zaye buyisela ngendlela eyahlukileyo. Namhlanje, "Finance and Credit" Bank ivaliwe ngezizathu ukuba kukho imali lobunzima-free, yaye imalunga 300 million hryvnia, zabekwa ngetyala "AvtoKrAZ" yaye "Kherson Cardan imikhonto Plant". elide loan iinyanga 63 kwi-14% ngonyaka, xa imarike yaba ireyithi avareji kwi uluhlu 26.4%.

Imisebenzi kunye norhulumente kunye isigqibo engalunganga

Emva kokungena-akhawunti yebhanki mali evela kurhulumente, waqalisa kwifandesi ngokwenene. IKhabhinethi laBaphathiswa ubesoloko ethatha befuna ngalinye amaziko lilungu ezisixhenxe lucky ukuba bahlaziye urhulumente malunga ne-75% ezabelo. Kwaye ke akubuzwa ngokuphathelele ebhankini, "Finance and Credit" ulawulo yethutyana indawo isikhokelo okhoyo iinyanga ukuya ku-12. isakhiwo yezemali abaphathi bavumile ukudlulisela abangama-50% ezabelo yaye wabanika imvume ukulungiselela ukuqaliswa kweliso abasebenzi omlawuli.

Ukuchithwa uncedo

inkxaso karhulumente yaphela xa inkqubo ngokutsha iye yaba format flat. ulawulo Ibhanki bala ngokupheleleyo naluphi na uncedo oluvela kurhulumente. Emva kokuba National Bank of Ukraine labiwe malunga 2.5 billion hryvnia ukugcina ubume yeziko, Zhevago wathi uya kuqhubeka ukumelana neengxaki zabo. Le ngenxa isigqibo esinjalo yaba ukungaphumeleli amaziko zemali ukwenza iintlawulo zabathengi, ukusilela ukubuyela iidipozithi nabantu apho imiqathango lixesha. umdla kakhulu kukuba ebhankini "Imali kunye Credit", ingxaki liya bawuphikisa ubunkokheli ngokwayo, siyaqhubeka phambili zonke izimali ezikhoyo njengoko mboleko iinkampani akhawunti Zhevago. Olu phuhliso, nto leyo esele uzipapashe, utsalo ukuya Ukujala noluntu, kwaye kunokukhokelela iziphithiphithi abaninzi kunye noqhankqalazo. Ngelo xesha ingenzeka iingxaki zeziko zemali ikhonza malunga 119 amawaka needipozithi zexeshana kunye akhawunti ezikhoyo malunga 217.

Lumkani, imigulukudu

Namhlanje intetho ezininzi malunga nento yokuba ebhankini "Imali kunye Credit" - yimali, kodwa loo nto ayithethi ayeke isakhiwo. Sibe iphulo lokwazisa elikhulu yaziswa kutshanje, apho abantu abaninzi bekholelwa. Igalelo ukuya phambili i "Big Ezisixhenxe" ngokulungileyo kwenzala. Strange, kodwa ngenxa yesizathu esithile wagqithela cwaka isibakala sokuba ekuqaleni kuka-2015 amasebe amaninzi yebhanki (ubuncinane 80), yaphela. Lenziwe off ubuncinane ama-20% yabaqeshwa. intloko Sekela yeziko kwafuneka ukuba imprudence ukuba bathi esidlangalaleni ukuba nkampani abaneengxaki zemali kunye nelahleko phezu kwexesha uya kwandisa kuphela. Ubuncinane kufuneka baloko urhulumente Ukraine.

Yintoni abasisi abathengi

Abathengi kunye iimali ze ebhankini, iidiphozithi elide leyo eyaphela ngo-2015, akakwazi ukufumana izandla zakho phezu imali yakho. Nalwazelelelo kwenzeka kwii-ofisi ezininzi. Abasebenzi ibhange "Imali kunye Credit", ulawulo interim leyo engakhange wangena, yisa iidipozithi roller elizimeleyo. Ukuba umhla wokuphelelwa sedipozithi ingxelo ngaphambili kwangaphambili, namhlanje akuyi kwenziwa. Nangona ukufumaneka kwemali kwi-ofisi bhokisi, kwelinye icala elinye imali ayiniki. Abatyali mali kunazo - abo wakwazi ukufumana ubuncinane ama-20% ngegalelo layo. inzondo Mass akatshintshi le meko. Phakathi amaxhoba kukho oomama abangatshatanga kunye nabantu abakhubazekileyo, kunye nabafundi eziqhelekileyo. Oku akuchaphazeli isibakala lokungahlawulwa kwemali. Kwezinye amasebe kwabakho wokhuseleko, apho amaxolo asuswa kumasango abathengi yebhanki ngokubonakalayo befuna imali yabo. Ngaphambili, ayizange isicelo lo mkhwa.

Yonke asilahlekanga, kukho amathuba amancinci

Ngaphandle kwento yokuba bank akazange kungafezekiswa kweemfanelo zalo kubathengi, ulawulo yayo iyaqhubeka ukuba athathe amanyathelo asebenzayo ukuze ngokutsha. Kwintlanganiso Matshi 23 bagqiba ukwandisa elikomkhulu eligunyazisiweyo kwamaziko ngokusebenzisa kunikezelo Izabelo yebhanki kwi mali esizigidi 616.4 hryvnia. Ngoxa ibhange "Imali kunye Credit" ayikho ekugqibeleni yozigqabhuza, yaye ithemba lisekhona. I-terminal yokuqala sezabelo kwimarike bazisa dibanisa-22% ye-capital ogunyazisiweyo (3.4164 billion hryvnia). intlanganiso A zabelo 'ucwangciselwe-Aprili 27, 2015. Kuya tallied ngokusesikweni yaye babhengeza iziphumo elidlulileyo-2014. Iza kuqwalasela ukuvuselelwa izixhobo karhulumente. Ngokutsho koqikelelo lwabemi lokuqala ukuba 'Finance and Credit "- Bank (isebe IKharkiv kuquka), nto leyo elizayo ziya kufumana uncedo kwi komlawuli kwi mali esizigidi 700 hryvnia, nekufuneka kunceda ukuzalisekisa zonke izibophelelo ukuba abagcinisa. Isigqibo kungenxa yokuba esi sikhokelo zemali buzinze-4% kuzo zonke iidipozithi yebhanki e Ukraine ne-2% yee-asethi eli lizwe. Kwiziko elinye kakhulu ngetyala bobabo kudidi lokuqala.

Yintoni ukuphazamisa isicwangciso okuqaqambileyo?

Ngokuqinisekileyo zithi Bank "Finance and Credit" ivaliwe, ayikuvumeli ubunyani amanyathelo yi-zabelo. Kulo mzekelo, kukho enye ingongoma umdla, nto leyo kuzisula zonke izicwangciso zolawulo ezikrelekrele. Le nkampani Cargill wabhenela kwiNkundla kaRhulumente of New York nesicelo ukuvala akhawunti incwadi. Isicelo ngoko nangoko inesikolo de kube sekupheleni inkqubo yenkundla. Ityala lika million 44 zeerandi namhlanje obunokumhlela isakhiwo i "Finance and Credit". Bank (eKharkov, Kiev kunye namanye amasebe) uthembisa ukuphumeza ngokutsha ityala. Guide umi ukuba akukho mntu ukwala ukuzalisekisa iimfanelo zabo akukho otyalwayo omnye. Kuye okuphakanyiswe kuqhuba iingxoxo ngeenjongo zokusombulula le ngxaki. Kuya kwenzeka njani imeko ngakumbi, akwaziwa, abatyali ungalinda kuphela kwethemba okuhle. Iingcali abo ezithandwa uqikelelo ezimbi, musa kulawula naziphi na ukurhoxiswa isakhiwo yemali ubunzima eqaqamba iyonke imali zemirhumo nganye kubaxumi.