"Mast-Bank": mvume ichithwe? "Mast-Bank": iidipozithi, credits, ncomo

Enye amaziko zemali ishishini ikhuselekileyo, wasekwa ngo-1995, eyaziwa kwimarike zemali Russian njenge "Mast-Bank". Ukuyirhoxisa loo layisenisi okanye akunjalo, siya ukuqonda ngakumbi, kodwa ngoku uqale nembali.

Amaqabane eziphambili zamaziko mali babucala kunye namashishini abasakhasayo, amancinane kunye namashishini naphakathi. Enye yezinto ezenziwa ephuhliswe ngakwicala kwinkonzo oosomashishini ngamnye. Ngokubanzi, iziko zemali inika uluhlu olupheleleyo lweenkonzo zebhanki, ezo zombini ukwanelisa ngokupheleleyo iimfuno ngamnye yaye ukuhlangabezana neemfuno ngoosomashishini. Kukho inani kweemveliso ezithile.

uluhlu olubanzi lweenkonzo

Branch "Mast-Bank" eMoscow - oku ummeli kuphela ngemali. Xa ukulahlwa abathengi ibhanki leyo namasebe ngaphandle elikomkhulu, iiofisi ezongezelelweyo, yokusebenza iidesika imali ATM. Phakathi iinkonzo ezingundoqo ishishini yorhwebo ziyakwazi ukuchongeka amazwe angaphandle kunye mboleko, iinkqubo imali kunye namakhadi yokubhalisa. Kuyinto le izakhono abaxumi basabela ngendlela engcono.

Njengoko kwiibhanki ezinkulu eli lizwe, "Mast-Bank" Inkonzo yayo online. Ukususela ngo-2005, elo ziko zemali kukho ilungu ngokusesikweni Idiposithi Inshorensi System (WUDI). Oku kuvula amathuba ngokubhekiselele kwiinkonzo umthengisi kunye broker. ulawulo lokuphepha ezikhoyo kunye nemisebenzi enxulumene ulwazi entsonkothileyo. Abathengi bathi scheme intsebenziswano lula kusenziwa irubhrikhi, kwakunye nobukho loluhlu olubanzi iziphakamiso zebhanki.

arhente rating

Ngokutsho abaninzi arhente lizwe omlinganiselo ukuthembeka "Mast-Bank" liphezulu kakhulu. Kumanqanaba okuqala yeziko waba mlinganiselo aphezulu ngetyala - kwinqanaba A, ekupheleni kuka-2014 lo mlinganiselo uye .o B ++, nto leyo nayo luphawu kokuzifaneleyo ukuthembeka ziko. Agency ukulinganiswa ngaphambili ichazwa njengento ibhizinisi ukuphuhlisa, namhlanje usinike ubume esitalini.

ubulungu Prestige

Ilungu le Moscow Overnight Stock Exchange, ilungu le-Association of Banks Russian, ummeli ogunyazisiweyo iinkqubo zentlawulo ezifana MasterCard Lwehlabathi MVUME LOKUNDWENDWELA LEXESHANA International - konke oku "Mast-Bank". Ithe yayirhoxisa ilayisenisi yeziko? Ngethamsanqa, le nkcazelo eziphosakeleyo kwiziko zemali, bengenanto yakwenza. Enterprise njani ukusebenza, kunye nomsebenzi, ukuba uluntu zizodwa uhlobo lonxibelelwano zemali. Ngaphezu koko, ukwakhiwa ke iqabane kweenkqubo transfer imali ezifana "Unistream" kunye Qhagamshelana, Migom kunye Western Union.

Ukuqalisa ubunzima yethutyana?

Thetha into yokuba iziko zemali "Mast-Bank" mvume lurhoxiswe, yaqala ngenxa yokuba ekupheleni kuka-2014 ukuya 16 Disemba 17 lwenziwa ukuqinisekisa imisebenzi zokusebenza imisebenzi yayo. Kwimithombo esemthethweni, oko kwazeka ukuba Ubulungiseleli Interior and Service Security Federal ikhangelwe ebhankini, njengokuba yena orhanelwa ukubandakanyeka ubusela mthethweni kwemali evela mali. Disemba 16 nabameli bamabhunga ogunyazisiweyo athatha ngokupheleleyo abancedisi zonke iziko-mali, apho lonke ulwazi olulodwa ikotshelwe.

Panic wavuka ityala lolwaphulo kobusela imali nolwakhiwo oceanarium kwisiqithi Russian, leyo useleganelwe kulawulo yokwakha kweli District Federal Far Eastern, kunye nokwakhiwa kwebhulorho Russian phezu Eastern Bosphorus Strait, leyo "Mostovik" uyiphathisiweyo NGOs. Andrew and Oleg Poplavsky SHishov, abaphathi kwiinkampani zokwakha, ukuba sele ovalelweyo, likhutshwa TFR, ke nabo ingqalelo abaxumi ngale yebhanki.

isidumo ngokungenabulungisa

Kweli thuba ukususela nge-16 ukuya kowe-17 kuDisemba, phakathi umbhodamo jikelele kunye nokunyuka elibukhali kwi dollar baqala nokungoyiki phakathi abagcinisa. I-ofisi engundoqo ayisebenzi usuku olunye, kunye nabatyali-mali kunye neebhanki neqabane baqhutyelwa ukuba ngenkuthalo watsala imali yabo. Ibhanki nangona wathi iziko mali ayisebenzi ngenxa yokungabikho kombane, kodwa oko akuthethi ukudlala indima enkulu. Ngenxa yoko, kwasekwa Imigca emide kunye izicelo lezikhukula kuye kwakhokelela kwezinye ziyangenana lo msebenzi.

Amarhe twa ukuba iziko zemali mvume "Mast-Bank" lurhoxiswe, nokuba ibhanki izama ukuthatha isixa esikhulu mali engange phantsi-30% ngonyaka kwi kwimarike ozalwa ngayo. Zombini ezi nkcazo zemali zenziwe amelana kungekudala. kumajelo eendaba ikomkhulu baye ubhengeze ukuba ukurhoxiswa-mvume ukuya kwiintsuku nje ezimbalwa, njengoko ibhanki CBR ulahlekelwa linelungelo lokungalwenzi iinkonzo kurhwebo mali yangaphakathi ngenxa ukudluliselwa okungekho mthethweni mali mali kwi-akhawunti yeenkampani zamanye amazwe.

Njani yaphela na?

Le meko iye yasonjululwa ngokupheleleyo ngoDisemba 29, xa abameli ngurhulumente baye bavakalisa ukuba akukho mabango nxamnye umbutho "Mast-Bank". Izimvo ibhanki kule ndawo ingakumbi ngexesha yaqala ukubonakala ezimbi. Ngokutsho amaxwebhu, leyo yasuswa kule mbutho, naziphi na iimali-mboleko oko engaphantsi-30% ngonyaka akazange acele naziphi na iingxaki Yavuka kwiibhanki neqabane. Umsindo olunxulunyaniswa nento yokuba iziko mali akakwazi ukuhlawula iidipozithi dollar-esibizwa. Njengoko enye indlela, yena ecetywayo emcela iidipozithi angaphandle kwindawo engange.

Imeko emarikeni yesizwe zemali, xa abaninzi iibhanki nje wala kungafezekiswa kweemfanelo zalo, wathi ayinamali, yenza kucace ukuba umsebenzi we-Institute (ngomlinganiselo umdla Central Bank of the Russian Federation 17%) wahlala kwinqanaba eliphezulu, nakuba ungafezekanga. Abameli abagunyazisiweyo ibhanki yaqinisekisa isibakala sokuba kwixesha ukususela ngoDisemba 17 ukuya ofisi 22 CB "Mast-Bank" eneneni ngabathengi ngokugqithiseleyo. Unobangela isenzeko yaqala ubunzima hayi okwethutyana kunye nokungathembani karhulumente kunye Jump usiko engange kunye amalinge lithemba-mali ukugcina ubuncinane inxalenye imali yabo. Xa nencopho mizuzu umsebenzi lwaqhutywa kwimo yesiqhelo kangangoko kunokwenzeka.

Ukunikezwa emangalisayo kunolunye

Ukususela ngoDisemba 2014 nangoMatshi 2015, nangona imeko luyathandabuzeka, "Mast-Bank" yobungakanani iidipozithi phantse 43%. Olu tyalo-mali zizonke abantu zabucala yaba engange 15.4 bhiliyoni. Eli nani libandakanya ingxelo zemali arhente. Phantse 3.5 billion engange anda iidipozithi yabucala ubude ukusuka kwiintsuku 91 ukuya 180. Le meko yaba isiseko ngoko kuye busisigxina umbutho eliphezulu "Mast-Bank ezithile" (ngoncedo zamaziko ezisemthethweni site). Isizathu yaba igagasi aphezulu mali umyinge wenzala kwi-22%.

isimo esihle credit

Emva kokugqitywa kophando zonke iinkonzo ibhanki leyo yaqalwa. Ukubuyekezwa Ezilungileyo ubambiswano kunye kubaboleki kwiziko zemali ushiye. Ngokutsho kwabo, iskimu lwentsebenziswano nezimo kakhulu. Kuxhomekeka iinkqubo mboleko ezikhoyo wenzala kwi-23% ukuya kuma-33%. ixesha bafake iinyanga 36 ukuya 42. Ubuninzi bobungakanani ekhoyo yomboleki yeentengo zemboleko ingqamana 250 lamawaka engange. Kuba oosomashishini kunye noosomashishini ziinkqubo ezizodwa.

Izithintelo ezibekwe yi-Central Bank of the Russian Federation, okanye indlela urhulumente lilawula ekungeneni yesibambiso

Ngenxa ekungeneni enkulu mali ye-Central Bank of the Russian Federation wabeka yanqumamisa umsebenzi kwiziko zemali. Iibhanki abavumelekanga sisamkela iidipozithi ezintsha kwaye niwuzalise esele ikhona. Lo mqathango othintelo kokwexeshana. Uthintelo wangena force ngoAprili 17, kunye nomhla saso ucwangciselwe kuka May.

I-website esemthethweni ye-Central Bank of the Russian Federation kuba liyeza okwangoku iziko zemali unalo mvume esemthethweni. Kwangaxeshanye, siphawula ukuba ngamnye izivumelwano namhlanje esebenza waphuma ngokuzenzekelayo phantsi nemiqathango efanayo ubambiswano.

Ngokutsho kwamanani asemthethweni ngenxa Aprili 1, 2015 ubungakanani net asethi yaba engange 24.17 billion. Eli nani bazisa lebhanki kwisikhundla 159 eRashiya. Capital ngu 3.2 billion. Esi salathisi ibalwa yi CBR. Iphothifoliyo credit 16,36 billion zeerandi. Umthamo izibophelelo abemi ingqamana 15,38 billion. Ngokutsho iziphumo ngasentla, ukuze kuqwalaselwe ukusebenza umsebenzi olungileyo, nto leyo iba "Mast-Bank". Iidipozithi, mboleko, ncomo apho kumisela intsebenziswano, beqhuba ukutsala abathengi. Ncokola malunga oko kuya kwenzeka emva kokuba kwesiqalekiso unqunyanyiso ebhankini, kusekwangoko kakhulu. Kuhleli ukuba silinde ekupheleni kukaMeyi kwaye iliso olunye uphuhliso.