"Miraf ibhange" ingxaki: mvume lurhoxiswe, ukuba enze iintlawulo

Ukuthemba imali zabo kwiibhanki ngokuya kuba nzima. Kwaye akukho nkqu xenga zemali ehlabathini jikelele, kunye ukucocwa rhoqo Central Bank. Kule meko kunzima kakhulu ukuba ukuthelekelela apho iziko lakho siboleka sijingiswe "Ikrele Damocles" komlawuli. Eli xesha phantsi ukukhaba u- "Miraf-Bank". Iingxaki abajongene liziko zemali, abagcinisa ncomo kunye nezinye iinkcukacha malunga umbutho eza kuxutyushwa kweli nqaku.

inkcazelo emfutshane malunga ibhanki

"Miraf-Bank" - iziko kunokuba omkhulu wetyala kwikomkhulu eOmsk. It yasekwa ngo-1997 yaye ukususela ayizange itshintshe igama layo. uhlobo Changed okanye kuphela ngokusemthethweni nkampani. Yena wayedume kakubi olukumgangatho ophezulu kunye elingazange ezinxulumene kubathengi yayo amaqhinga zemali ezahlukeneyo.

"Ibhange Miraf" (mvume ngayo ngelo xesha abazange bade sirhoxisiwe) kancane network yayo yentengiso ngokuvula ofisi ezintsha ezininzi izixeko ezikhulu neengingqi of Russia.

Kwakhona wathatha inxaxheba kuphuhliso loshishino lweziko ngemiyinge emincinci, unika iinkonzo eziliqela umgangatho amashishini kunye nabantu. abathengi Bank ikakhulu ngamashishini zorhwebo noshishino, kuquka iinkampani ezivela ezahlukeneyo zamashishini.

Ukubuyekezwa abaliqela "Miraf-Bank"

Xa iziko zemali uyasebenza, abaxhasi bayo basoloko eseleyo kwi-ncomo zakhe kakuhle. Ngokomzekelo, omnye ubolekayo wayethanda imiqathango mboleko zobuqu. Abanye amalungiselelo iinkqubo imali banamazinga aphezulu. A wesithathu babethanda nobuchwepheshe abaqeshwa bombutho lowo bayakuvuyela ukuba baphendule imibuzo ze aphendule ngokukhawuleza xa kuthe yeemeko ebezingaziwa. Njengoko ubona, "Miraf-Bank" (ncomo umsebenzisi i ubungqina enkulu yaloo) kwaba iziko zemali ezithembekileyo nezaziwayo.

Ngokufutshane, kwakungekho zimpawu lembandezelo. Kwenzeka ntoni nge ebhankini, apho trust bonke? Zintoni izinto ezibangela iingxaki zemali? Yaye yintoni yaphela Commission Inspection Regulator?

iingxaki zemali I yebhanki

Ngokutsho uninzi kubathengi, baza ababa nako ukucinga ukuba iziqinisekiso zabo ufumana naziphi na iingxaki zemali. Umzekelo, ekhulwini "Miraf-Bank" (eOmsk) kuhlawulwa qho mboleko okanye shill ezintsha iimveliso zebhanki.

Yonke le nto yaqala ngo Disemba 2015 xa omnye nezinyuko zemali kakhulu nempembelelo epapashwe kwi website yayo umyalezo qhawula "Miraf Bank" zivela kwiintlawulo BESP.

Ngelo xesha, abaxhasi ibhanki akazange aqonde ubunzulu imeko omthandayo iziqinisekiso zabo enye. Ukongeza, le press-service kwiziko lemali "Miraf-Bank" (eOmsk - apho ofisi intloko yenkampani isixeko) yaqhubeka inyanzelise ulawulo ngokupheleleyo phezu meko.

Ngosuku wokupapashwa kwesaziso kwinkonzo cofa ze ebhankini wenza ingxelo malunga ukungaqondani kule program. Noko ke, wathi ukuba zonke iintlawulo ziya kuqhubeka kwenzeka operation eqhelekileyo. Kodwa kwathi konke ezinkulu kakhulu.

I 'inkonjane "yokuqala kozinzo yebhanki; kunye kunikezelo ingxaki iidipozithi

Emva kweeyure ezimbalwa emva kokuba isaziso abameli yebhanki kwi Policing baqalisa ukuba ingavela bakhutyekiswa abagcinisa. Kwiimeko ezininzi, okubhaliweyo azezi ukuba azisebenzi kwaye musa ukuthumela iintlawulo. Ngoxa abathengi ezininzi ukuqinisekisa kanye ukuba imeko kwavela unetyala "Miraf-Bank". Iminikelo evela amabali lwabasebenzisi azisahoywanga. On kubo ayisuseki inzala, kwaye wenze needipozithi omkhulu akwenzeki.

Kuyaphawuleka ukuba abasebenzi bank bona babengakwazi ukunika ingcaciso eyaneleyo malunga meko. Oku ngakumbi akalulola abathengi. Ukwesaba.

"Miraf-Bank": iingxaki (kumiwe iintlawulo kwiidipozithi)

Ukususela ekupheleni kukaDisemba 2015 "yibhanki Miraf" uyekile ukukhutshwa iidipozithi. Phantsi kolawulo olutsha, umbutho zemali, abahlali eOmsk bavunyelwa ukuba bathabathe engange hayi ngaphezulu kwe 10-15 000 ngosuku. Ito on izicelo zokuqala. Noko ke, izixa ezikhulu yesibambiso emkhenkceni nje yaye akazange ukunikela iinxalenye.

28 kuDisemba waloo nyaka "Miraf-Bank" (iintlawulo apha ukwenza phandle ngohlobo lwemali kazwelonke amazwe) waququzelela intlanganiso jikelele. Ngokutsho data zokuqala, oko yabanjwa i-ofisi ephambili benkampani (esitratweni. Frunze).

Kodwa ke, abameli ibhanki leyo wakhanyela iingxaki yokuhlawula amatyala. Baqinisekisa bonke ababekho ukuba isizathu sokuba kolibaziseko ngeentlawulo kwaba lutshintsho kumgaqo-nkqubo mali kwiziko lamatyala.

Phakathi ezibangela kunokwenzeka, ngokutsho amangqina, ibhanki ebizwa kunye nabathengi ukuba uphaphazele engafanelekanga. Kungenxa kubo "Miraf Bank" akwenzi intlawulo. Oku kungenxa inani elingu-izicelo ezivela kubantu nje abanalo ixesha ukuqhubekekisa abaqeshwa bombutho.

Emva koko, abasebenzi nkampani wabongoza ukuba sibe nomonde kwaye uthembe umsebenzi neengcali. Abagcinisa ukuba sikholwe nje kuphela yaye silindele engekeva lokugqibela.

Ukusungulwa ulawulo wexeshana ebhankini

Ekugqibeleni wacacisa imeko kuphela emva ibhanki yaqalisa zonke-out uhlolo. Emva koko, eli gosa yaqalisa ulawulo okwethutyana. Ukuba akwazi ukufumana izizathu yokwenene, ngenxa apho "Miraf Bank" Akayi kukuhlumisa intlawulo. Ezinye zazo ulawulo ubuqhetseba lwemali kwiziko lamatyala.

Ngokutsho ulwazi preliminary, nje phambi kokuba kuqaliswe lolawulo wethutyana abameli ibhanki ukuthengisa impahla ezixabisa izigidi 560 engange. Kwaye bayenza loo nto ngokukhawuleza.

Ngelo xesha, "Miraf-Bank" (iingxaki eqala nje) ukuhlawula amatyala imali engange malunga nezigidi ezili-120. Ke imali sele evela kwabanye abatyalayo, bunikwe kwabanye.

Uluhlu kunye nokuchonga nokunqongophala

Ngenxa ye-inventri kwephulwa yebhanki facts ezintsha ziye zachongwa. Kwathi kanti, abameli yeziko mali wazama ukuzifihla yokunqongophala isilawuli kwempahla le mali esizigidi 288,53 engange. Inxalenye ebalulekileyo ye-mali yayinokuthanani yokunqongophala bonds kunye namanqaku, kwakunye izivumelwano ngetyala kunye namanye amaxwebhu.

Ukongeza inkampani izibambiso "Miraf-Bank" (iingxaki zenkampani zifana mthethweni manual-nkqubo) uhlolo kutyhilwa iindleko ifenitshala, izixhobo, kunye nezothutho Shicilela. Bonke bephela okunene "ejinga emoyeni 'kwaye akukho ayilo nani.

Ngexesha lophicotho, kukwayinto entle "umngxuma" xibilili uchaziwe lwabiwo wenkampani, nto leyo eyayifikelela kwi-1 bhiliyoni. 512,8 yezigidi. Engange. Le mali egqitywe umahluko phakathi ubungakanani ebhankini kunye nempahla yayo imbopheleleko.

I-mvume ye-"Miraf Bank"

Isiphumo kwiKomishoni Yophando wenze okuninzi iziphetho hayi ngokuthanda iziko lamatyala 'Miraf-Bank ". License ngenxa yokuqinisekiswa ke waphuthiswa, yaye igama le nkampani baphanga ngokupheleleyo.

Ngokutsho data ezisemthethweni, phakathi izizathu ezibangele ukuba ukurhoxiswa kwelayisenisi, ngolu hlobo lulandelayo:

• bephula okuphindwayo imithetho yase kunye nemimiselo;
• ulungiselelo lwe data ezingachanekanga nokungathembeki malunga nemicimbi yemali yenkampani;
• sisazama imali yeengeniso abemi abazizityebi;
• utyalo-asethi ezisezantsi-esemgangathweni ngaphandle ukwenza oovimba olongezelelweyo;
• non-yokwenza izibophelelo ukuba amatyala.

Waphelelwa mvume lakhe "Miraf-Bank". amasebe ayo avuleka e Moscow, eOmsk, Tolyatti kunye neminye imizi Russian Federation, zavalwa de kukhutshwe isaziso Central Bank.

Ityala kunye isaziso amatyala yebhanki

Emva kokuba ukurhoxiswa kwelayisenisi ye Central Bank iye kungeniswa isicelo enkundleni, apho wafuna ukuqonda imilinganiselo kwiziko lemali. Ngenxa yoko kwetyala, eyayibanjelwe January 24, 2016, inkundla wafumana "Miraf Bank" utshonile. Emva koko, isigwebo isaziso Arhente idiphozithi Insurance. Ngokutsho nenkcazo abagcinisa webhanki ayiphumelelanga kwafuneka ukuba ahlawule malunga 2.8 billion. Engange imbuyekezo.

Iintlawulo abagcinisa yenkampani ongenamali

Ukunqanda badyuduzele abagcinisa, i-Arhente Insurance Deposit wavakalisa ekuqaleni ukumelwa iintlawulo inshorensi "Miraf-Bank", esiwa ngoFebruwari 4, 2016. kwafuneka 100% wamcacisela inani zonke ii-akhawunti abagcinisa ngaphambili vuleka iibhanki ongenamali Isixa-mali sembuyekezo. Nangona kunjalo, imali ifunyenwe mayingagqithi 1.4 Mill. Engange kumanqaku ewonke afunyenwe ngumviwa.

Bayilungise YOSUKU abuyekeze abatyali ungakwazi phambi Februwari 4, 2017. Iintlawulo kulo mzekelo wathabatha "Rosselkhozbank". Ukongeza, yomtyali ngamnye unelungelo lokukhetha kakhulu lula ukhetho okufumana imali (ngekheshi okanye ngohlobo transfer-akhawunti yebhanki zabakhubazekileyo).

Ukuze ufumane ulwazi malunga iidilesi amasebe ekhoyo ebhankini-arhente, kufuneka utsalele umnxeba: 8 (800) 200-02-90. Umyalelo lwentlawulo ingalandwa ukusuka iimpapasho ezenziwe kwele of "Komsomolskaya PRAVDA e eOmsk."

Okwangoku ku imbuyiselo "Miraf Bank" yayiphendula malunga 4.800 abantu, ngokunjalo ngoosomashishini 150 kwinqanaba eliphakathi kunye enkulu. Kwixa elizayo inani kwabo banqwenela ukufumana imbuyekezo, njengoko abameli ACB uya kunyuka izihlandlo eziliqela.