I-Sudostroitelny Bank: iingxaki, ukunyaniseka kwemali

I-Sudostroitelny Bank yasungulwa ngo-1994 eMoscow. Inhlangano yinkampani yomzali yeqela lezemali, elibandakanya iZPIF "MART RIELTI" kunye ne-SB yeMbt Issuance Limited. Njengomphumo wokuphindaphinda kwakhona, iziko lafumana igama elifutshane OOO CB SB-Bank. Umbutho uqinisekisile ngokuqinisekileyo njengentsebenziswano ephuhlisayo, ejoliswe kwiiklayenti zenkampani. Kuthatha indawo engama-80 kwiikhulu eziphezulu nakwesithathu-ngokulinganisa kazwelonke.

I-Sudostroitelny Bank: iingxaki

Idumela leziko liqale lahleka ekupheleni konyaka ka-2014, xa ama-akhawunti osomashishini ngabanye kunye nemibutho yomthetho bechithwe. Kwiingqungquthela, abantu bakhononda malunga neentlawulo ezingenakulungiswa ezenziwe yiB CB Sudostroitelny Bank. Ubungqina bathengi bubonisa inani elikhulu leengxaki ngenxa yokuhlawulwa ngokungenakwenzeka kweerhafu, izigwebo ezenziwe kunye nobuhlobo obunobungozi kunye nama-counterparties.

Nangona ezinye zeentlawulo zenziwa. NgoJanuwari 14, 2015, imisebenzi eyenziwe ngoDisemba 26 yenzeke. Ngokomthetho, ukuthengiselana kubelwe iintsuku ezintathu. Ngenxa yokuba i-Sudostroitelny Bank ayenzi iintlawulo, abaninzi abathengi banyanzelekile ukuba bayeke iinkonzo zombutho. Ngexesha elifanayo, abaninzi abantu bayayiqonda isimo sengqondo esinobubele sabasebenzi abacebisa ngokuvala i-akhawunti, engeyona imilinganiselo ngokupheleleyo kwiimeko ezinjalo.

Ngokukhawuleza kukho izikhalazo zalabo bathetha ukuqhubeka besebenzisana ne-LLC CB "Sudostroitelny Bank." Iingxaki zaye zahlutha xa umbutho waqala ukutshintsha umhla wesicelo sokuhlawulwa kwi "Akhawunti Yomntu" .Inkqubo ichaza ixesha apho inkokhelo yenziwe, ifunyenwe ukucwangciswa kunye Le mihla yahlaziywa imihla ngemihla.

Ibhanki yokwakha iinqanawa yazama ukuxazulula iingxaki zokuhlawula ngokuvula ifayile yokungasebenzi. Ngokukodwa kule njongo, i-akhawunti entsha yenziwe 47418. Kubonakalisa imisebenzi eyamkelweyo yokuqhutywa kwaye ithunyelwe kwiBhanki Ephakathi, kodwa ngenxa yokungabi nakwiimali kwi-akhawunti yabonxibelelwano, ezi ntengiso zafudlulelwa kwifayili yeefayili eyahlukileyo. Ukuhlaziya idatha yansuku zonke, ibhanki yazama ukunciphisa inani lezicelo kwifayili yekhadi. Kodwa xa ukhulula ifayile yezobugcisa, ungabona imihla yangempela yokwakhiwa kwamaxwebhu. Ngenxa yoko, ngoJanuwari 27, isikhungo sakhishwa ngokupheleleyo kwi-elektroniki transaction system yiBhanki Ephakathi.

Umkhankaso wokupapasha

Ukulungisa imeko, ukuyeka ukuphuma kwenkunzi kunye nokunciphisa imali yokunikezelwa kwemali, umbutho waqala ukubonelela ngeemeko zomntu ngamnye. Uninzi lwabantu abangazange bazi malunga neengxaki zigqityile ezitsha izivumelwano. Yaye xa ixesha elimisiweyo liphela, kwavela ukuba iBhanki Yokwakha izenze iintlawulo kwaye ayiyi kubuyiselwa imali. Ngelo xesha, ulawulo lwesikhashana lusele lusebenza.

Imida emitsha

Iimimiselo zafakwa ekukhutshweni kwemali ngaphandle komyalelo wokuqala wokuhlawula: ukusuka kuma-ATM - ama-ruble angama-40,000 (kunye ne-Premium + banknotes) kunye ne-100,000 kwabanye abathengi. Kwabo banqwenela ukufumana iifizi ezinkulu, bekufuneka ukuba benze umyalelo we-ruble eziliwaka ezili-100 ngosuku. Ngaloo xesha, abameli bebhanki bathi kwakukho rhoqo ukukhutshwa kwemali. Ngoku nje, imida iguqukile. Ngo-2013, ngaphandle kwesicelo sokuqala, kwakunokwenzeka ukurhoxisa i-ruble ezigidi ezili-1. Ngo-2014, eli nani liye lahla ngesiqingatha, kwaye ngo-2015 sele sele sele i-ruble ayi-300.

Ukulinganisa

Inyaniso yokuba ibhanki ijongene neengxaki kunye nokuthengiswa kwempahla, kuba abathengi abaninzi beyothusa. Ekuqaleni kuka-2014, i-National Rating Agency yabela isiko "i-AA-". Ekupheleni konyaka, kunye nemvume yomlawuli, imali eyongeziweyo yongezwa ngokuguqulwa kwemali-mboleko ephantsi. NgoDisemba, iprojekthi yokukhangisa esebenzayo yenzelwe ukutsala iiphofu kwiSudostroitelny Bank. Ukunyaniseka kwamanani kuphela ekuqaleni kuka-2015 kuye kwehla kwinqanaba "C". Kodwa nangona kunjalo kwimithombo yoluntu kwakukho ulwazi malunga nokuphulwa kwimisebenzi. Ngoko ke, iifomiti kwaye zandisa izivumelwano zabo zokupaka.

Abaxhasi bema ukukhusela

Akunqweneli ukuthatha inxaxheba kwiziko elithandayo, abatyali-mali babhala ileta kwiBhanki Ephakathi bayicela ukuba bangahlawuli ibhanki. Kuyo, imbono yaboniswa ukuba iingxaki zokuthengiswa kweengxaki zivele ngenxa yokuwa kwezimali zesizwe, ukwanda kwenani lokuhlaziya. Kodwa abathengi abaqhelekileyo abanako ukukulindela utshintsho olunjalo kwaye bahlole ingozi yabo. Kwimeko enjalo inokuba nayiphi na isikhungo sekhredithi yelizwe. Akuyimfuneko ukuyihlawula. Kodwa le miqathango ayizange isebenze.

Ukuphendulela ilayisenisi

Ngomhla ka-Febhuwari 16, 2015, kwakubonakala ukuba kwakungenakwenzeka ukubandakanya i-DIA yokuphucula umbutho ngokwemigangatho efanelekileyo. Ngoko ke, kwenziwa isigqibo sokurhoxisa i-Sudostroitelny Bank kwimarike. Ilayisenisi ya rhoxiswa ngomhla omnye.

Izizathu

Ngokwe-Central Bank, umbutho unomgangatho ophantsi kakhulu weempahla, njengoko iimali ezifunyenwe kubantu ngabanye zatsalwa ngokungalunganga. Oku kwakhokelela ekulahlekelweni ngokupheleleyo kwemali kunye nokuhluleka ukuzalisekisa uxanduva lwababolekisi. Ngaphezu koko, ibhanki inika ingxelo engathembekiyo, eyafihla iingxaki ezikhoyo. Abanikazi abazange bazame ukuphucula imeko.

Isiko ixesha elide lalibandakanyekile ekusebenzisaneni kwemali kwi-stock exchange (eMoscow). I-Sudostroitelny Bank iphumelele kabini ukuzalisekisa uxanduva lwayo ngoJanuwari 2015. Iityala ezipheleleyo zifikelela kuma-ruble ayi-2 billion. Ngenxa yentlekele yezoqoqosho, ukugcinwa kwemali ekutsalweni kwemali kuye kwancipha. Kwakukho umnxeba wegama: ibhanki ayikwazanga ukuhambisa imali kunye nokubambisa kwiBhanki Ephakathi. Ngenxa yeengxaki ezinjalo ngo-2008, iSvyaz-Bank yabuyiselwa, kwaye "i-KIT-finance" yacinywa.

Emva kokubizelwa kwegama, iingxaki kwi-LLC CB Sudostroitelny Bank zazingcwatshwa nje, iingqinisiso zabathengi ziqinisekisa ukuba iinkampani zizama ukubuyisela imali. Ukutshintshiselana kwatshintsha isimo sengqondo kwiziko ngokuzimeleyo, njengoko ibhanki ikhankanywe kwixesha elide kunye nexesha elide lemali kwiimpahla zomthetho, kunye nokuthengiswa kwe-potifoliyo ephantsi. Kwakungenakwenzeka ukulungelelanisa ukuthengiswa kwemali evela ekungeneni kwemali kwimali-mboleko.

Abameli bebhanki bathi iingxaki zivela ngenxa yokuhlaziywa kweebhondi zemali-mboleko. Ngo-Disemba 16, i-OFZ izibophelelo ngokukhula ngo-2028 zalahlekelwa ngu-53% ngosuku, nangaphambili (ngo-Disemba 2019) - ukuya ku-65.1%. Ngokutsho kwedatha engafanelekanga, ukwanda kweemali kwiBhanki Ephakathi kufikelela kuma-ruble angaphezu kwezigidi ezi-2. Zonke iibhanki ezisebenza kwipiramidi ye-REPO zidibene kunye neengxaki ezimbini: ukuphakamisa izinga le-CBR kunye nokwandisa i-collateral ngokutshintshiselana. Ngokukodwa, iBhanki Yokwakha i-12% yamatyala ithathwa kwii-securities.

Ngaphantsi komthetho, ukuba ibhanki ayinakukwazi ukuhlangabezana neebango zabathengi kwiiveki ezimbini, iBhanki Ephakathi iyakususa ilayisenisi. Yiyiphi into eyenzekayo.

Ukubuyiselwa kwemali

I-bhanki yokwakha iinqanawa, eneengxaki ezingenakwenzeka ukuzisombulula, ziya kutshatyalaliswa kwiminyaka emibini. Iintlawulo zokuqala kwiifomethi zaqala ngoMatshi 2. Ekubeni ibhanki ithathe inxaxheba kwi -inshurensi yenkqubo ye-inshurensi, abathengi banokufumana i-deposit 100%, ngaphandle kokuba imali yayo, ingqalelo kwimali, ayigqithisi ii-ruble ezingama-1.4. Okokuqala, iifomethi zabantu ziya kuhlawulwa. Inani elipheleleyo leentlawulo zi-ruble ezingama-21.8.

Isiphelo

Ekupheleni kuka-2014, i-Sudostroitelny Bank ibhekene neengxaki kunye nokuthengwa kwempahla. Ngenxa yoko, ii-akhawunti zezinto ezininzi zezomthetho kunye ne-IP zikhutshiwe. Ngenxa yobungakanani bomgangatho wephothifoliyo mboleko, kwakungeke kwenzeke ukubuyisela imeko ngokwayo. Kwaye iBhanki yeNtloko yenqaba ukuhlambulula iziko.