Kutheni iibhanki ukuba ivaliwe? Kutheni "The Messenger Bank" kuphetha zamasebe?

Kutheni iibhanki evaliwe kwilizwe lethu? Ngokuqinisekileyo lo mbandela uyawachaphazela inani elikhulu ngabemi. Namhlanje, abantu baseRashiya igcinwe kumaziko ngetyala malunga neshumi elinesihlanu triliyoni engange. Ayizange kuthatha ixesha elingakanani ukuya mzuzu xa Central Bank waqalisa ukuba ngenkuthalo ukucoca amaziko ezemali, leyo unanamhla. Nomphathi njalo eloyikekayo iphika mvume kwiziko lemali. Kakade ke, sizoku lwisana bakuthi Bakhathazekile: kutheni ivaliwe iibhanki? Enye indlela okanye omnye, kodwa kungekho mvume umbutho ngetyala - kuba lilungelo leZiko eliQinisekisa Central Bank. Yintoni ebangela yokuba sele liqalise itshekhi okukhulu phakathi kwabo? Kutheni iibhanki basondele eRashiya? Khawuqwalasele le mibuzo iinkcukacha ezingaphezulu.

izizathu

Kufuneka kuqatshelwe ukuba kukho izizathu ezininzi tsentrobankovskuyu nokucoca.

Phakathi kwabo nkqubo ngokungeyomfuneko yingozi kwicandelo abonge, ngokubonelela iingxelo zobuxoki, ekuqhubeni imicimbi enobukhwele, ukuthatha inxaxheba izikimu ingeniso semthethweni, ophuma ulwaphulo-mthetho. Yiloo nto iibhanka iisuphavayiza ezivaliweyo.

Ukongeza asifanele, silibale ukuba oku kunegalelo ukumanywa kwicandelo logcino, ukhuphiswano banda, kwakunye zisancumisa lomthetho ngokunxulumene kwinkunzi.

uluvo isazi

Uninzi umhlaziyi zezimali yokwabelana imbono yokuba inkqubo 'ukuhlanjululwa "kumaziko zebhanki nangoku kude ukusuka kwinqanaba lokugqibela. Kuphephe ukuzibeka kwimeko ye ukurhoxiswa kwelayisenisi kumaziko ngetyala kwenzeke. Enye indlela okanye omnye, kodwa ke ulondolozo-mali kunye nokudlulisela kwikhadi zemivuzo - lo ababetheki kuphela labemi, enceda sisinde kwintlekele kwicandelo logcino.

Kuyo nayiphi na imeko, ezi baseRashiya kufuneka ngokhetho oluncinane, yaye kungekudala emva koko ke kuya kufuneka ukuba kwakhona ukunika amaziko zebhanki trust. Ukuze a kakhulu oku kusebenza iinkampani zorhwebo abenza imicimbi yemali nge transfer bank. Nangona kunjalo, abemi abaqhelekileyo, ngenxa yokuba baxhalabile ucingisise ngalo mbuzo: "Kutheni eRashiya, vala iibhanki" - nekungenakwenzeka ukuba ufuna ukugcina imali yabo phantsi komqamelo. Bangakwazi mabacetyiswe ukuba ukhethe ubume bezemali ngokusondeleyo.

kwiminyaka nje emihlanu edlulileyo igunya zokusuphavayiza wayenyanisekile kakhulu kwizinto zomsebenzi oqeqeshelweyo amaziko ngetyala. Ngoko ke kutheni iibhanki zivaliwe lonke ixesha ngoku?

amanyathelo ukuqinisa Namhlanje ejoliswe kakhulu ukuze aphumelele intembeko ezilahlekileyo abemi.

Yiyiphi indlela ukuhlola ilayisenisi

Qinisekisa ukuba ibhanki akasusi loo mvume kwi portal web ezisemthethweni Central Bank.

Kufuneka nje ukucacisa igama bhanki string resource - kwaye le nkqubo iza kuxelela iinkcukacha umdla. Kuyinto inyanzelekile ukucacisa umbuzo wokuba kwibhanki yakho iyinxalenye yenkqubo inshorensi idipozithi. Ukuba impendulo kuyo, kwimeko yesiganeko benefits, uRhulumente ibonelela wena ukuya kwizigidi 1.4 engange.

Inani mvume bechithe ikhula

Inkqubo 'wokuhlanjululwa "kwicandelo logcino wangena kwisigaba sokuqala ngexesha nesithuba yentloko Russian Central Bank wathabatha Elvira Nabiullina. Kuphela iziphumo konyaka phambi kokuba mvume yasuswa ukusuka kumaziko zemali 32. Isizathu soku na ukunyhashwa ezininzi -sikhokelo zolawulo. Imise zebhanki namaziko afana ne-, "Rublevskiy" Bank AB "Pushkin", "Investment Bank" "Nkosi-Bank" "-mali yeprojekthi Bank."

zone ubungozi

Ukuba akukho rush, inkokheli Central iye yavalwa abasebenzi balo ukuba ukuxela ulwazi kwizakhiwo zebhanki emngciphekweni. Ngaphandle koku, kuwonke-wonke kuvela rhoqo "uluhlu black" lwamaziko zemali. Nangona kunjalo, amagosa bacetyiswa ezi nkcukacha singaqamela ngazo, Uqaphele ukuba isuphavayiza kwicandelo logcino ayenzelwanga ukuba naziphi iingqikelelo kule nkalo.

Kufuneka wenze ntoni xa mvume bank ahanjiswe

Ukuba ngenxa yezizathu okanye kwelinye iziko lamatyala ezilahlekileyo ilayisenisi yayo, umthengi liqinisekiswa imbuyekezo epheleleyo okanye kwinxenye ngegalelo labo.

Njengoko sele sibonile, ibe sisixa ukuya kwi-1.4 miliyoni engange. Ukuba ibhanki ophezu uluhlu lwamaziko ezibonelela inkqubo inshorensi idipozithi, abasebenzi faa iiveki ezimbini emva kokupapashwa ulwazi urhoxiso liya kwazisa umxhasi ilayisenisi, apho kanye uya kuba nako ukufumana imali yabo. Ukuba isixa idiphozithi kuphezulu kunoko umda iseti, inxalenye enye zingafumaneka phantse nangoko, kunye nezinye - ngethuba ngokunqunyanyiswa ngokwasemthethweni kwimisebenzi yeBhanki. Ukuze 'igazi "zombini zabo, iingcali Siyaleza ukugcina imali yabo kumaziko eziliqela ngetyala ngokukhawuleza kangangoko kunokwenzeka ukukhetha up.

Imeko ne "I Messenger Bank"

kwiinyanga ezimbalwa ezidlulileyo, amajelo eendaba ingxelo ukuba ayeke ukusebenza isebe of "I Messenger". Oku kwanikelwa njengengxelo kwi-Intanethi kwiziko zemali. Usihlalo we bhodi Eugene Davidovich wanika izimvo kutheni isebe "The Messenger Bank" luvalwe.

Wathi ukuba kumaxesha anzima kwezoqoqosho namhlanje, onke amaziko ezemali benza konke okusemandleni ukuze ukunciphisa iindleko zabo. "I Messenger" - akukho ngaphandle. Kwagqitywa ukunciphisa inani amasebe, uze ukukhulula imali eyayichithwa irente yendawo ofisi, izibhengezo, kwemivuzo yabasebenzi. umbutho, abathengi nga kunandipha zonke iinketho nge "Internet Banking" yaye "Mobile Banking".

Branches of "The Messenger" ziya kupheza ukubonelela ngeenkonzo ngokukhawuleza yonke oluntsonkothileyo amanyathelo ajoliswe kwii yabo iya kuphunyezwa.

iibhanki Russian baphelelwa ithemba

Abaninzi bayazibuza: "? Olusondeleyo ebhankini akhawunti Abemi belizwe lethu Kutheni" Lo mkhuba uye wenyukela kwiminyaka yakutshanje. Kakade ke, esona sizathu kukuba eRashiya woyikisela ukhuseleko imali yabo kwi kumaziko kwiibhanki zasekhaya. Ngokutsho manani, malunga $ 60 ezigidi ezi kuzo iingqayi iglasi okanye ethe ne abicah iglu iphepha lodonga. Kwimeko kwintlekele yoqoqosho, ngokutsho baseRashiya, umngcipheko wokulahla imali yabo linyuke izihlandlo eziliqela.