Ibhanki ethembekileyo eRashiya. Ukulinganiswa kweebhanki

Khetha i-bhanki ethembekileyo eRussia ngokwenza idizithi, i-credit formalities okanye ezinye iinjongo ngumsebenzi oyintloko wabathengi abaninzi. Ungakhetha njani umbutho? Ingaba kukho uluhlu lweebhanki ezinokuthenjwa kwiRashiya, yiyiphi iiparameters ezimisele? Yonke le micimbi inomdla kubemi abacwangcise ukusebenzisa iziphakamiso zale mibutho.

Ingcamango yokuthembeka

Ngaphambi kokuba ubuze umbuzo webhanki ethembekileyo eRussia, kufuneka ufunde ngokucacileyo inkcazo yokuthembeka. Ngokwethembeka, kuyisiko ukuqonda ukukwazi kwintlangano ukunyanzelisa uxanduva lwabo abathengi bayo ngexesha elifanelekileyo. Ezi zinto ziquka iinkqubo ezahlukeneyo-ezivela kumaphepha afanelekileyo ukulinganisa kwintlangano ethile. Ukuthembeka kunokubonakaliswa ngeentlawulo ngexesha, umzekelo, kwiifom. Ukongezelela, ukubonelelwa kweemeko ezifanelekileyo kubaxhasi kuyimfuneko ebalulekileyo yokuzinza kwebhanki.

Kufuneka kuqatshelwe ukuba ukuba imbali yebhanki eRashiya inexesha elide, ngoko ke isibonakaliso esifanelekileyo siyabonwa njengobungqina obubalulekileyo bokuthembeka kwayo.

Ngaloo ndlela, ngokuqwalasela yonke imigaqo, inhlangano ingathethwa ngokuzithemba njengebhanki ethembekileyo eRussia.

Imilinganiselo yokuthenjwa

Njengoko kuthethwe ngaphambili, imigaqo yokuthembela ingaquka izikhombisi ezininzi. Ngokukodwa, iilayisenisi zelungelo lokwenza imisebenzi kule ndawo ziyinto ebalulekileyo ebalulekileyo, kodwa kungeyona yodwa.

Xa wenza isiseko sokuthembeka, enye, ebaluleke ngokubalulekayo, iikhrayitheriya zithathwa ingqalelo, umzekelo, njenge-indicators indicator, inkunzi eyaneleyo, izinga elifanelekileyo lokuhlaziya, izinga leengozi kwi-asethi, inzuzo kunye nabanye.

Ubungakanani bhanki lithetha ntoni?

Izilinganiso zihlala zijongana nomdla okhethekileyo wabemi. Ngaphambi kokugqiba ukuba yiyiphi ibhanki eRashiya inokuthenjwa, kuyimfuneko ukucacisa intsingiselo yegama elithi "rating". Leli gama (ukusuka kwisiNgesi) lithetha umyalelo, ukuhlaziywa, ukuhlelwa kwezinto ezithile okanye isifundo ngokwezinga elimiselweyo. Oku kukuvavanywa komsebenzi weziko ngokusetyenzisweni kwayo. Ulinganiso lubekwe ngokwemigaqo echongiweyo.

Ayikho inkqubo ekhethekileyo yokuhlola yebhanki ukuthembeka kwindlela yokusebenza kwehlabathi, kuba kukho ukungafani okwenziweyo kwaye, ngokufanelekileyo, iimfuno zemisebenzi yazo. Iziko lezemali lingaqwalaselwa lithembekileyo phambi kwenkxaso-mali eyaneleyo, ibhalansi yemali, ukuhlengahlengiswa kunye nokuhlangabezana neemfuneko eziyimfuneko kumgangatho wentlawulo-mali, kwakunye nokuqhuba imisebenzi ngokuhambelana nemimiselo yomthetho. Isaphulo sale ndlela sisetyenziselwa ukuchonga ukulinganiswa kwebhanki ethile ngokudibeneyo kwezinto. Ezi ntlobo zokulinganisa zinika ithuba lokugcina umsebenzi weziko ngaphakathi nangenxa yemibutho yokubeka iliso. Ibhanki enokwethenjelwa eRashiya, esekelwe kubo-eyona manqaku amaninzi.

Ngubani owenza ukulinganiswa

Kakade ke, akusiyo yonke imibutho inethuba lokwenza uluhlu olufanelekileyo lweebhanki. Lo msebenzi wenziwa, njengommiselo, ngamaziko azimeleyo,
Ukuzikhethela kule ntsimi: abeendaba, imibutho eyahlukeneyo (umzekelo, iintatheli zeendaba), iinkampani ezingabhalwanga (ezinelungelo lokuvavanya kwinqanaba elithile), i-arhente yokulinganisa ezikhethekileyo nabanye.

Kamva, emva kokuqhuba yonke imisebenzi yovavanyo, iziphumo ezifanelekileyo zomsebenzi owenziwe ziboniswa esidlangalaleni ngendlela yokuvavanya okanye ukuhlenga-bathathi-nxaxheba (indawo yokuqala, indawo yesi-2, njl.

Iintlobo zokulinganisa

Ukutyunjwa kwiimilinganiselo kunokuhluka - ukusuka kumgangatho oqhelekileyo ukuba ube yinto engavamile, kwaye yonke into ixhomekeke, okokuqala, kwiinjongo zomcimbi kunye nabaphulaphuli.

Kwimeko yeRussian Federation, ukulinganiswa kweebhanki ezinokuthenjwa kwiRashiya kuhlanganiswe ngokwemiqathango ethile. Iindidi eziqhelekileyo zi:

• Kwizinto;
• Kwiifaka zabanye. Abantu (ngokuqwalasela inani elipheleleyo labathengi);
• Ukubolekwa kwemali mboleko kubantu ngabanye (ukubalwa kweengxowa-mali zonke);
• Umthengi (ekuqwalaseleni izinga lokuthembela kwabathengi abahambelana nombutho).

Iibhanki ze-TOP-10 ngeendlela zokuthembeka

Ngubani na inkokheli? Ukuba sibheka iibhanki ezili-10 ezithembekileyo zaseRussia ngazo zonke iinkqubo, ngoko siyakwazi ukuzithemba ngokuqinisekileyo le mibutho elandelayo eqhuba imisebenzi yabo ngaphezu konyaka omnye kwaye ixhamle igunya kungekhona kuphela kubemi kodwa nazo zonke iilayisenisi ezifunekayo kunye namaxwebhu ngokuhambelana nomthetho:

• IBhanki yoSonga yeRussia Federation.
• "VTB 24"
• Gazprombank.
• Rosselkhozbank.
• Ibhanki yaseMoscow.
• Alfa-Bank.
• "Igama leBhanos".
• Unicredit.
• Promsvyazbank.
• Raiffeisenbank.

Ngoku kunzima ukukhetha ibhanki ethembekileyo eRashiya.