Ibhanki "Credit National": iingxaki. Ibhanki "National Credit" ivaliwe?

Ibhanki "National Credit", ingxaki leyo iye yafikelela incopho yayo ngo-2014, yabakho ngo-1993 igama lakhe lokuqala "Shark" sele kwi "credit yesiZwe" lathatyathelw ngo-2000. Emva ngo-2008, elo ziko zemali uqinisa inkqubo ifom esemthethweni ye-tshintsho. Ubutyala Limited yala maxesha inkampani imfuyo elidityanelweyo 2009 NgoDisemba 2010, i "credit Abantu" ebhankini, nto leyo ngaphambili kuphela ukujongwa ezintle, ifumene 25% of "Bank of Khakassia." Kungekudala emva koko, inani lezabelo lwandiswa kwi-76%. Ngo-2011, iphepha-mvume iziko zemali Khakassia imisiwe ngokupheleleyo ngokunxulumene hlelo. Ibhanki "Credit National", iingxaki eyaqala ngenxa amatyala ephantsi, usapho elawulwa isemoyeni.

elidlulileyo ezukileyo

I-Bank iye yasebenza kwi-mvume Central Bank yaye uliqabane eMoscow. Iziko zemali yaba lilungu le-Association of Russian iibhanki kunye nezakhiwo nxaxheba idiphozithi Insurance. capital share ngokusemthethweni kwenkampani kwaba 1.8 billion engange. Isixamali esiyi-capital kwezengqesho wayelingana $ 4.2 yezigidi zezigidi. I-Institute waba elikwinqanaba ilungu kumhlobo iinkqubo zentlawulo ngamazwe MVUME LOKUNDWENDWELA LEXESHANA Inc. kunye Mastercard WW. Ngaphambili, i-arhente rating ibisoloko yaqinisekisa yokuhlawula amatyala yeziko nesinika ukuba udidi A ngokungqinelana yesikali kazwelonke.

Kwiminyaka nje emibini ngaphambi kokuba baqala ukuvela iingxelo ukuba "credit Abantu kaThixo" ibhanki ivaliwe, umbutho yawongwa "Financial Olympus". Xa isakhiwo womnatha yengingqi yayibandakanya 9 amasebe eziphambili kunye ofisi ezithile-35 ezongezelelweyo. Institute of History wambi xa engazange balwa kuba ithenda kurhulumente. ngqongqo umgaqo-credit kweyona ndawo intle amaxesha kuvunyelwa ukufikelela amatyala omkhulu.

Kwenzeka ntoni nge bhanki kwiminyaka yakutshanje

Kule yokugqibela kunyaka-mali yeziko ukusebenza phantsi kwe umyalelo we-Central Bank, owawenza ukubandakanyeka iidiphozithi abantu '. Le umyalelo yafunyanwa ngoJulayi 2013. Kwakhona, ukongeza imida ye-Central Bank of the Russian Federation Kucetyiswa ngamandla ukuba wenze zonke zolondolozo ukuhlangabezana neemfanelo zalo abagcinisa. Kucelwa nithathele ingqalelo into yokuba iziko mali ngokwalo Zange bamsukela i rhabaxa nkqubo ukutsala iidipozithi. amanyathelo aye athathwa ngenxa ye amatyala phantsi kweziko lemfundo.

Ezi zimpawu ukuze inkathazo kuqala

Kakuhle wokuqala ngenxa yokuba i "National Credit" Bank waqalisa ukukhupha iidipozithi ngaphandle mimiselo. Xa waqala abatyali ukufika khona imali zabo, ukuba baziswe malunga mda ngemihla yoMbutho mali ka-25 amawaka engange. Abantu abazange babe nako ukufumana izandla zakho zonke negalelo ngamini-nye. kwafuneka ukuba ahambe iiveki. Noko ke, xa kuthelekiswa namanye amaziko ezemali, leyo wala ngokupheleleyo ukwenza intlawulo, ngosuku olwandulela imilinganiselo "credit zabantu" ncomo yebhanki apho wayesoloko kunakuhlanga incumisayo, wathobela phantse ngokupheleleyo kunye nezibophelelo zawo. Nangona le ntlekele, abasebenzi iziko lemibuzo wathi gqolo yonke imibuzo kunye nokunika ulwazi oluneenkcukacha kumntu ngamnye. Ukuthintela kuwa eziphathekayo, abasebenzi zebhanki rhoqo kwazisa abenzelwa iinkonzo ukuba ezinye iintlawulo ephezu wambamba, kwaye uninzi akhawunti aluxhaswanga.

Iinzame ukulungisa le meko

Kwiinzame ukulungisa imeko JSC Credit National "Bank" "ezama ukwandisa amatyala ngokwehlisa kwenzala kwimali-mboleko. Le program "Abantu" iye yaba kakhulu ezifikelelekayo. Phambi izibambiso okanye ngummeli wowona inzala kwimali ebiyiboleka unyaka ukuya ku omnye kwaba-16% kuphela. Xa ixesha le-mboleko ukusuka komnye unyaka ukuya kwiminyaka emithathu, izinga lenzala bekuya kuba kulingana-17% ngonyaka. Ukuba ubude mboleko kwiminyaka emithathu, umlinganiselo kuwo nolwathi ngomlinganiselo-18%. Mboleko zikwafumaneka abathengi abangenazo nayiphi akananto okanye iziqinisekiso. Noko ke, kule imeko, izinga lenzala lenyuka ukuya kwi-18%. Xa usenza intsebenziswano ukususela kunyaka-1 ukuya kutsho kwiminyaka emithathu, izinga lenzala bekuya kuba-19% ngonyaka. Ukuba umxhasi lenze isigqibo sokuba athathe mboleko isithuba seminyaka emihlanu, le inzala kwimali-mboleko iza kuba yi-20%. Hambisa wenza zonke ii-ofisi, kuquka isixeko esifana Abakan. Ibhanki "Credit National" akazange wandisindisa sisigqibo lithemba: imeko amatyala ayikatshintshi.

Ndingayilindela kowuphi ukuze basekele izigqibo malunga ukutshona mvume?

Isigqibo malunga ukutshona mvume wenziwa ngokusekelwe iingxelo zolawulo olutsha. Ulwazi wathi "Credit National" ibhanki kudweliso lwenkqubo olunokwenza iingxaki ayikho ezincinane ngokunxulumene amatyala ukuhla kwi-50%, kwaye nomlinganiselo amatyala instant-15%. Iziko zemali akafakanga isicelo uncedo ngokunxulumene nesibakala ukuba iintetho ngexesha zabanjwa abatyali-mali, liza kwenza igalelo kwi-mali $ 100 million.

Ekuqaleni ekupheleni

Emva kokufumana imiyalezo evela NBU kubathengi ka JSC "Bank" National Credit "ngokusilela ukuzalisekisa imfanelo yakhe, ulawulo yethutyana waqeshwa kwiziko zemali. Ukuqalela October 1, 2014, ulawulo wethutyana ucazululo yezimali meko. Phezu ilahleko iyonke sabhalwa kwangaphambili capital lobuqu. Kwagqitywa ukuba akunakwenzeka ukuba ukubuyisela yokuhlawula amatyala ngesakhiwo, yaye nayiphi na nokubandakanywa evela kurhulumente akayi ngqiqweni. Iziphumo zovavanyo le meko engunobambiso Authority waba isiseko esinamandla ukupheliswa komsebenzi leziko zemali njengoko "National Credit" Bank. mvume Revocable kuphela kwimeko xa iziko ingasakwazi nokuba ngenkxaso-mali evela kurhulumente ukwenza unyaka yonke imisebenzi yakhe abagcinisa imali kunye amatyala. Iimeko ngqo athobele umthetho.

Imisebenzi Kwehla i ithambekele

Ngoko nangoko emva kokuba amatyala qwa "National Credit" Bank waqalisa ukuba neengxaki nje encinane, nangona conservatism umsebenzi, kubonakala ukugcinwa iiprojekthi zezindlu kunye eziluncedo zoluntu. Mboleko ezinikwa abantu accounted for% 3 kuphela yepotifoliyo mboleko, ii-asethi lubalaseleyo kunye nesabelo-70%. Kwi imali abantu accounted for% nje 23 amatyala. imali lishiyekileyo akhawunti corporate accounted for%-22 kuphela kwikomkhulu. Sezabelo kunye namanqaku yeebhanki domestic accounted for%-19 kuphela net assets. iziko ozalwa kwiimeko ezininzi, wenza njengoko ukunikela. Ngezinga eliphezulu ingqalelo bezinto namatyala lomsebenzi lweshishini le waba nokwenza inzuzo.

Ukwehla kwi

Ngokwe-manani evela kwi-Arhente Rating yeSizwe, "National Credit" Bank yayirhoxisa lweelayisenisi ngenxa amatyala eliphantsi ngo-2010 yaba yenzuzo million 20.9 engange. Kunyaka ophelileyo eli nani laba kakhulu ezinkulu yaye imali ukuya kwizigidi 107,2 engange. Le meko yehlisa ebhankeni 149 isikhundla simo, kwaye zatsala ingqalelo i-Arhente Insurance idiphozithi. Ukucutheka waphawula kuzo zonke ii-ofisi kunye namasebe ezincinane, kwakungekho ngaphandle kunye nesixeko Abakan. Ibhanki "National Credit" waqala ukunika emhlabeni, nangona ngaphandle akukho akukho zimpawu lembandezelo.

ukugqitywa olufanelekileyo lwamabali

Ibhanki "Credit yeSizwe" uvaliwe ngaphandle kwesizathu. Ukongeza yokunqongophala amatyala, ulawulo wethutyana uye wafunda ukuba ixabiso asethi yeziko-mali engekho ngaphezulu kwezigidi 14,121 engange. Ngokumalunga izinyanzelo abagcinisa imali, ukuba akhawunti malunga 16 854.8 yezigidi engange. Isizathu soku kukungangqineli efihliweyo ukuba akhuphe mboleko lokuqala ezingaqhubi kakuhle, nto leyo eyayifikelela kwi-engange 10.2 bhiliyoni. Ngaphezu koko, isibakala sabhalwa ukuthenga amanqaku promissory illiquid kule mali engange-1.8 billion evela iinkampani zidweliswe kule maxwebhu nadilesi musa ayihambelani yokwenene. kubekho notyekelo impahla yeziko zemali imali engange 0.2 billion. Ukususela umlawuli wafumana ulwazi ulawulo baqhube imisebenzi yabo mthetho. Isiphumo yezi zazo ingaphezulu kwe ezicacileyo, kunye nophuhliso kaGawulayo kufuneka wayelindele. Ngaphandle kwento yokuba uninzi abatyali back imali yabo ngokuyinxenye, ihleli abaliqela abo ilahleko wakhe iya oluhlawula arhente inshorensi kwimo emiselweyo yommiselo.