Bank Rating "Tinkoff". Iidipozithi, mboleko, uvavanyo ukuthembeka

lobuchwepheshe ezintsha ukungena phantse kuzo zonke iinkalo zobomi bethu. Ukuthenga iimpahla, odola ukutya kwivenkile yokutya, eziluncedo kunye nangaphezulu namhlanje, ungenza usebenzisa efowuni okanye tablet.

amaziko zeentengo zemboleko nayo bashiya ngasemva. "Tinkoff Bank" (idilesi yewebhu - tinkoff.ru) inikeza nabathengi kuphela ulondolozo ekude. Kuyinto ibhanki yorhwebo kuphela ene-ATM zalo kunye namasebe.

Kwicala lasekunene

Ingcamango yendalo eRashiya yeziko loo ngetyala eka Olegu Yurevichu Tinkovu - usomashishini osakhasayo amava kushishino olukhulu. Yena onazo womnatha eziveziweyo zazo iivenkile zombane ekhaya, ileyibhile umculo, ukuveliswa kweemveliso frozen semi-igqityiwe, utshwala kunye noshishino yokutyela - ukukwazi ukuva yaye soze sivumele usomashishini Russian.

Ngowe-2005, Tinkoff imodeli inkonzo inkampani enomdla American Capital One, leyo ezikhethekileyo kunikezelo amakhadi yebhanki. Kunye abacebisi Boston Consulting Group Oleg lifikelele kwisigqibo sokuba ibhanki unako ukusebenza kude kwaye eRashiya.

Step by step

Inxaxheba kwinqanaba lokuqala Tinkoff ifumene mvume logcino ngokuthenga amancinci "Himmashbanka". Umsebenzi main Kwagqitywa ukuba kwenziwe mboleko. Ngenxa yoko igama - "Tinkoff Credit Systems".

Kulo lesibini inqanaba msebenzi ephambili ukwakha isiseko client. Iziphakamiso kuyilo ikhadi lamatyala wafumana amaqabane bank - ababoneleli beeselula, abathengisi imoto kunye neenkampani ze-inshorensi.

Isakhiwo iye yaqhubeka ukuphuhlisa. Yiza abatyali ezintsha, bazinzisa nomba amakhadi debit, iidiphozithi, kwaye ngo-2010 ithuba loku-odola ngecredit card phezu Internet kunye nonikezelo nokubonisa.

Ekuqaleni 2015 kwagqitywa ukutshintsha igama. I-ofisi yentloko "Tinkoff Bank" eMoscow.

ukuthembeka balinganise

Ngokutsho ingcaciso yakutshanje, "Tinkoff" ukwakweli kumgca sama-44 nokurhafiswa kwi equity kunye nomgca 49th ngokwemiqathango asethi phakathi kweebhanki Russian.

Bank Rating "Tinkoff" kuxhomekeke kuvavanyo kukuthembeka kwayo. Eli nani ludibaniso izinto ezichaphazela ukusebenza nezibophelelo. Ezi arhente ezinkulu Moody kunye Ukalisho Fitch goovrit ukuba ekuhambeni kwexesha Bank Rate B2 (Val. Sesichengeni Higher) kunye B + (Val. Ingaba mlinganiselo ngumyinge obekiweyo) ngokulandelelana.

kufuneka athathe ingqalelo parameters zilandelayo uvandlakanyo kukuthembeka:

- izimali;

- umgangatho mboleko sona;

- isakhiwo Equity;

- ubungozi credit.

Kucingwa ingcaciso ebalulekileyo malunga ukuguqula akhawunti, abanini ukutshintsha namarhe ezahlukeneyo. Oko kuthethiweyo, kunyaka ophelileyo okurhafisa yebhanki ngayo "Tinkoff" asikwazi kubizwa ngokuba nethemba. data ahlukeneyo zibonisa ukuvela izinto ezimbi ezinokuchaphazela uzinzo yayo yemali kwixa elizayo.

Ngokwemveli, nokurhafiswa Forbes umnikazi portal. Eli xesha kwibhanki inkonzo wobekelo kwi ndawo th 51.

isizukulwana esitsha lebhanki

Desktop computer, tablet, laptop okanye smartphone - kungakhathaliseki uhlobo abathengi isixhobo uhlale ukufikelela kwi "Tinkoff Bank". akhawunti Personal yeyona ndlela iphambili yokulawula ii-akhawunti zabo.

Intlawulo yezinkonzo nezohlwayo, utshintshelo phakathi akhawunti kunye nabanye abantu zendalo, kuvulwa iidiphozithi, udibaniso kweenkonzo ezongezelelweyo - unqakrazo nje ezimbalwa, kwaye isizukulwana esitsha njengokubhankisha elayinini baya kunika ishedyuli iindleko ukunceda ukucwangcisa i mali.

Bhalisela ukwamkela irhafu kunye nezohlwayo aza kuvumela ukuba uziqaphele inkcazelo ebalulekileyo ngamaxesha onke, yaye imithetho kunceda nje kuphela, kodwa nokhuselo ubuqhophololo.

credit cards

amakhadi zeplastiki kusekho umsebenzi ophambili "Tinkoff Bank". mboleko yabathengi kufuna iinzame zabathengi, kodwa ikhadi lamatyala "Tinkoff Platinum" ingakhutshwa nangaliphi na ixesha kwi website esemthethweni.

Namhlanje lelona imveliso kakhulu zithandwa, kwaye ngaphezulu kwezigidi ezine baseRashiya sele kuvavanywa ngayo. Ngaphandle wayetyelele ebhankini, guarantors kunye noqeqesha leziqinisekiso ezikhutshiweyo "Tinkoff Platinum".

eziluncedo:

- umda engange ukuya ku-300 000;

- wemvula free;

- ukwelixesha loxolelo ukuya kwiintsuku 55.

Ukongeza, xa sithenga kwikhadi umva kwisixa-1% ngohlobo amanqaku bhonasi ngexesha bank iphulo elikhethekileyo - ukuya kutsho kuma-30%.

nabo

Bank Rating "Tinkoff" akazange ubunzima nkqu ngexesha lokudodobala-2008. iimbono ezintsha bakwazi ukuvavanya amaqabane abo kuvunyelwene iiprojekthi kunye elunxwemeni.

iintlobo ezininzi credit cards kunye debit co-branded ziyafumaneka ukuze abathengi:

1. BONKE Airlines - ikhadi lamatyala ukuba abahambi kunye umda ukuya ku-700 lamawaka engange, kwaye accrual ziikhilomitha bonus.
2. eBay, Lamoda kunye AliExpress - kuba abalandeli ukuthenga onlayini.
3. Mitsubishi kungenzeka ukuba ndibhenele kubalandeli yeemoto Japanese.
4. ikhadi lamatyala Kanobu iibhonasi evela Xbox Imidlalo, Imvelaphi, Steam kunye PS Store like nabadlala.

Holdings

kweminyaka emibini emva kokuba kuvulwe nkonzo omtsha wacela kubaxumi "Tinkoff Bank". Iidipozithi abantu Kwakhona ababulawa kude. Ukuze ufumane inkcazelo engakumbi malunga akhawunti Ukhuliso ingafunyanwa kwi indawo esemthethweni.

Ukuze ugqibezele isicelo kufuneka kuphela yokundwendwela, kunye nenkqubo yonke kuthatha imizuzu ngaphantsi kwe elishumi. ikhadi debit kunye iseti yamaxwebhu baya kwi ngekhuriya wakho lula.

Gcwalisa umnikelo kunokuba kweli amanqaku amahlakani, a bank transfer kwi-akhawunti yakho okanye elinye ikhadi.

Ukuba ukudluliselwa umxhasi imivuzo kwikhadi "Tinkoff Bank"-akhawunti yakho ikuvumela ukulawula kuphela neendleko kodwa isicwangciso nokwanda inxalenye niwuzalise iminikelo ezivulekileyo.

best Apps

zokukala Uphakamileyo ibhanki "Tinkoff" - kubangelwa ubukhulu becala IT-iingcali, abaphuhlisi kunye abahlalutyi. Indalo kunye nokusetyenziswa kweenkqubo software inxaxheba kweli sebe, leyo iqeshe abantu abangama-400.

Ngenxa yemigudu ezidibeneyo ezenziwe "Tinkoff Bank" Smartphones ezisekelwe iOS, Ifowni Android Windows wathabatha kwindawo yokuqala ngo-2015, ngokutsho isifundo eyaziwa arhente yohlalutyo Markswebb Rank & Ingxelo.

Ukongezelela, kwiminyaka emithathu edlulileyo, iingcali Bank siqalisile ukuphuhlisa izicelo ezizodwa ezikuvumela ukwenza udluliselo nekhawulezayo ikhadi enye ukuya kwenye okanye ukuhlawula zezohlwayo zendlela.

obuthile

Xa uqala kuqala, abathengi 'Tinkoff Bank "(Idilesi :. 1st Volokolamsky Proezd 10, page 1) kufuneka unokunganeliseki ngokufumaneka kweenkonzo zebhanki. inkonzo umxhasi ifumaneka imini nobusuku ngaphandle kokuphazamisa ngeempela-veki nangeeholide.

Ukude, unako ukufeza zonke izenzo kuyimfuneko, nto leyo kwenye ofisi kwibhanki zorhwebo kuya kuthatha ixesha belinde emgceni okanye ekuqokeleleni amaxwebhu.

Iingcali ukucacisa ukuba zobugcisa isakhiwo ngaseludinini yakhiwe ngokugqibeleleyo. Noko ke, ubuthakathaka kakhulu. Umzekelo, ngenxa yokungabikho uthungelwano ofisi "Tinkoff Bank" mboleko imali ayikwazi zingafumaneka - mali waboleka zifumaneka kuphela kunikezelo ikhadi lebhanki letyala kunye nokuziswa apho nayo kuthatha ixesha.

Izimvo abathengi rhoqo ithi ngokuphindaphindiweyo utshintsho kweemeko zenkonzo unilaterally (ukuncitshiswa amazinga enzala iidipozithi, ukunciphisa imida ikhadi lebhanki letyala kunye nokungabikho kolwazi malunga thumo ezintsha).

Xa usenza imveliso entsha umthengi akukho ithuba lokufunda kwangaphambili nkqu isivumelwano.

Ngokubanzi, ulondolozo ekude yenzelwe kwiqela lobudala elithile. Akukho ofisi ongezelekileyo kwi abathengi yesikolo endala ngenkankulu usenza sibe nentembelo, kunye nezakhono zabasebenzi inkxaso ezinye akusoloko ukuhlangabezana nokulindelweyo.