Ongumnini Sberbank of Russia? Ngubani na umnini Savings Bank of Russia?

Imbali yebhanki lizwe ezinkulu - Sberbank - unamalunga 170 neminyaka. Inkokeli kwinkqubo yogcino Russian iye yaba umamkeli ye-Savings iibhanki, imbali leyo iya isiseko ngo-1841. ukusebenza ezinzileyo zamaziko zemali aqinisekiswe ngurhulumente ngokwalo, njengoko kwaba awubone emhandzini ogunyazisiweyo kobuso Central Bank of the Russian Federation.

Imihlaba ezibanzi lwemisebenzi

Sberbank of Russia liziko zemali elikhethekileyo inika iinkonzo zalo lonke elo lizwe. amasebe bank zifumaneka kuphela phantse kuzo zonke emzini kurhulumente, kodwa asebenza ngempumelelo kumazwe ico, eJamani, eSwitzerland, China, Turkey ne India. Uluhlu lweenkonzo zemali ubanzi kakhulu, nto leyo kunganxulunyaniswa nokusekwa kudidi jikelele. Ubambiswano ubonelela iintlobo ngeentlobo iidipozithi zemveli kunye mboleko, iicredit cards kunye transfers imali, i-inshorensi, yaye labarhwebi. Emva ngo 2013 isabelo iinkampani zemali ubambelele malunga 43.3% azo zonke iidipozithi. Ngokumalunga umthamo kwisikhundla mboleko karhulumente, ke ngoko ukubalelwa kuye ngenxa 32.7% kunye 32.1% (-mboleko ezinikwa abantu kunye zomthetho). Abemi babekulungele ukuba asebenzisane inkampani kwaye musa nokuba ucinge umbuzo wokuba ingaba kweebhanki Sberbank of Russia.

Innovation kumaziko zemali

Sberbank usoloko ezabalazela ukuba ukugcina up namaxesha ngokuphucula umgangatho wenkonzo yomxhasi ezama ubatshangatshangise iimveliso ezintsha. kwiziko lemali linyibilikisiwe kakuhle, enika abaxhasi bayo ithuba zokulawula ukude akhawunti zabo. Enkosi kwiindlela ezisemagqagaleni, njengokubhankisha elayinini, "Sberbank Online" kunye SMS-service "Mobile Banking", ukukhupha imali zabo iliso enabela iye lula kakhulu. It Sberbank ngumnini uthungelwano lukhulu-ATM kunye kwiitheminali POS kwilizwe liphela. Ephawula inxaxheba kumaziko kwiinkqubo ezahlukeneyo zentlalo ekhuthaza uphuhliso yenzululwazi kunye nenkcubeko yesizwe. Kuba uninzi nje Akukhathaliseki ngubani ophethe Savings Bank of Russia, njengoko kakhulu ukumelana nayo yonke imisebenzi yolawulo yayo kunye nabanini.

Abadla bodwa okanye isiphumo imikhosi rhoqo?

Sberbank fanele ukuba udidi amaziko zemali yorhwebo kwaye ngexesha elifanayo ibhanki inkulu eRashiya. Ngokutsho izifundo lwakutshanje, ukusekwa nto leyo ubume yeziko mali Russian okufunwa-emveni nethembekileyo. Ngokutsho manani, onke amanye amazwe contributor - Liziko client. Ngokufanayo, kukho imeko kunye credits. Ngaphezu kwama-30% amatyala zikarhulumente ukuba ihonjiswe liBhunga lezoKhuseleko Russian. Thetha into yokuba yebhanki omele monopolist, ayilunganga. Imbali yophuhliso lombutho lwezimali eminyaka ezayo iya kufikelela uphawu engama-200. capital ngayo i-Institute imalunga 1.6 engange. Ukuqwalasela umbuzo ngubani ophethe Savings Bank of Russia, singatsho ukuba akanayo umnini enye, koko, ukufumana izabelo lwesakhiwo enkulu yemali cishe nabani na.

Nothe wathetha egameni umnini ebhankini?

Umnini iphambili yeziko mali i Central Bank of Russia, enyanisweni urhulumente wasekhaya. isabelo lwalo-sikhokelo eyinkunzi egunyazisiweyo ibhanki leyo yi-50%, kodwa dibanisa enye share yokuvota. Ukuba qikelela ipesentegi yalo ubunini kwizabelo zokuvota, oko kuya kufikelela 52,32%. Ngaphantsi kwesiqingatha ezabelo obulawulwa 270 amawaka ezahlukeneyo ngabanye. Enye yeshumi ezabelo ungowabantu kubantu abazimeleyo. Ikota sezabelo yeziko zemali ungowabantu kubatyali-mali bamanye amazwe. Yithi for ukuba ngubani umnini-Savings Bank of Russia, kuyingxaki kakhulu, ukususela yintshukumo Institute wathenga rhoqo bethengisa MICEX kunye a th Stock Exchange, ukususela ngo-1996. Kwikota yokuqala ka-2007, ulawulo ibhanki leyo wenza isigqibo ngomba olongezelelweyo izibambiso kwifandesi, leyo ukuba ukwandisa elikomkhulu ogunyazisiweyo lenkampani nge-12%. Ngokwalo emali, eli nani elungelelene engange-230 ezigidi. Kusenokwenzeka ukuba kuqatshelwe ukuba malunga ne-40% kuzo zonke iintengiselwano kwi MICEX zinxulumene ngqo kwizabelo yeziko zemali ngobukhulu kweli lizwe.

Kutheni kunzima ukuphendula umbuzo malunga ngubani na umnini-Savings Bank?

Ngenxa yokuba ngaphantsi kwesiqingatha izabelo Sberbank sele edadayo simahla, kuba yingxaki kakhulu ngokuthembekileyo ukutyhila amagama womniniyo. Olu lwazi kunikwa kubasebenzi bamaziko mali, kwaye nagoko kuphela kuloo meko, ukuba iimfuno zomntu kwaye ulwazi ngokwayo ufuna ukuthenga Izabelo mbutho. Uluhlu abo eziphantsi Sberbank of eRashiya ngendlela azifani nokuba ngenxa yokuba nokuthengwa kwezabelo kule yokugqibela, kwiimeko ezininzi, lwenziwa ngenjongo umholo. Oku kukhokelela utshintsho rhoqo abanini. Namhlanje, ulawulo lweqhinga kunye nezokusebenza i-Institute lwenziwa ngexesha elifanayo igunya ezintathu: Intlanganiso zabelo ', iBhodi zokusuphavayiza kwiBhodi yoLawulo. Usihlalo we bhodi fanele Germanu Grefu.

Yintoni ethethwa ngumthetho federal?

Ngokuma November 1, 2014 Central Bank of the Russian Federation nguye umnini ye 52.32% yezabelo okuvota of Sberbank. Ukuba iinkcukacha ukuqwalasela ngubani ophethe Russian Central Bank, ukuze kuphawulwe "ngabalondolozi" likarhulumente ye-Savings Bank. Xa isibheno uluntu namhlanje malunga 47,68% ezabelo. Ngokuhambelana kunye federal inombolo komthetho 86, ukuncitshiswa okanye nokuhlutha Bank of Russia kwikomkhulu eligunyazisiweyo Savings Bank, nto leyo eya kunciphisa esibondeni ukuya ngaphantsi kwe-50% kunye nesabelo esinye zokuvota, oko kwenziwa kuphela ngokusekelwe umthetho federal. It wavumela ukunciphisa isabelo ye-Central Bank imali sabelana, singayi kukhokelela ekuthotyweni kwenani izabelo ukuya ngaphantsi kwe-50% kunye nesabelo esinye avotayo. Esi sigqibo singenziwa kuphela emva kokuba isivumelwano kwangaphambili kunye norhulumente Russian.

Utshintsho lokuqala tye

De isigqibo malunga nokuthengiswa izabelo Sberbank of Russia ngo-2012, i-Central Bank ubunini malunga 60,25%. Le kwegazi loluntu baba% 39,75 kuphela sezabelo. Nangona utshintsho kwipesenteji lwabanini ngemali, ukuba ziphendule ngokuchanekileyo kwaye ayintsokothanga ukuze umbuzo ngubani ophethe Savings Bank of Russia, kuyingxaki. Sinokuthi izigqibo ezibalulekileyo zenziwe kwaye iyazamkela karhulumente egameni le-Central Bank. Ke ezinye izabelo asichasananga kokwahlulwa kobunini, isebenza ukwandisa inzuzo leziko zemali.

Indlela ukuthenga Izabelo Savings Bank?

Sberbank of Russia zabelo, njengoko kukhankanyiwe ngasentla, ukuthenga ukuxhamla ubunini yeziko inkulu yezimali zeli lizwe ukususela ngo-2006 Stock Exchange zasekhaya MICEX kunye unathi. Namhlanje, yokurhweba ngokhuselo lwenziwa kwi Moscow Stock Exchange kwaye kwi London kumgangatho yorhwebo stock exchange. Unako ube sabelo, nceda uqhagamshelane naliphi na isebe ebhankini, nto leyo imi kummandla ahlala kuyo. Ubhaliso kwamalungelo obunini oluqhutywa phambi uxwebhu ngelithi iinkcukacha ngummi laseRashiya. Xa uthenga izabelo kwi istock exchange kufuneka bazi ukuba ixabiso labo ungatshintsha kakhulu, hayi nje iintsuku ezimbalwa, utshintsho ozikhumbulayo ixabiso ingamiselwa lungadlulanga usuku. Ukuqwalasela umbuzo ngubani ophethe izabelo Sberbank of Russia, singakwazi ukuthetha malunga nenani amaninzi abantu, uluhlu yayo ezihlala ziguquka. Abantu ukujonga isenzo kungekhona ubunini kwiziko lemali ngobukhulu kweli lizwe, kodwa ngaphezulu njengesixhobo urhwebo, ngenxa intengiso kunye nokuthengwa apho lingafumana ingeniso ezinzileyo.