Ltd. "Sberbank ukuyicazulula": ncomo Company

Ukwenza ukusetyenziswa ngobuchule kwezibonelelo nokunciphisa ukuxhomekeka kwi-Central Bank amaziko inkulu zemali kweli lizwe ngo-2014 liye lasungula umncedisi omtsha. LLC "ukuyicazulula Savings Bank" ulilungu le-Association of ukuyicazulula Companies. Kuphela kunyaka wokuqala ukusebenza mbutho akwazi ukwakha iqela leengcali uze uzise imveliso ukhuphiswano emarikeni.

definition

Ukuyicazulula - umsebenzi ngemali phantsi iimfuno concession. Xa ubudlelwane phakathi umthengisi kunye umthengi amaninzi imfuneko intlawulo kuhlehliselwe. Umthengi kwandisa inzuzo ishishini, kunye nomthengisi ukhula ezifunyanwayo. Ukuze ukuba silinde ukuba ixesha lokuhlawula kwemali evela umthengi, sinokugqiba isivumelwano kunye kahle bank.

scheme

Umongo intengiselwano imi ngolu hlobo lulandelayo:

• Umbolekisi ithumela into onke amaxwebhu ukulungiselela zokubonelelwa ngeempahla ibango lemali. Phakathi yibhanki kunye iklayenti ikhontrakthi kahle.
• Factor uhlawula umbolekisi kwi-90% yemali intengiselwano ngexesha kwaye ithatha unonophelo lwako konke akhawunti ezifunyenweyo. Mboleko zidla ukunikwa ixesha ukuya kwiintsuku 180.
• Emva ukuvala zonke izibalo into idwelisa isixa-mali esisashiyekileyo otyalwayo, kuphela umdla nokugunyaziswa yayo.

Ukuyicazulula kubanikezeli kusilungele, ukuba umthengisi alamkele kwaoko zokuqhuba, kwaye umthengi uhlawula oko wayalela.

Isimo kwimarike

Esi sigaba buxhomekeke kakhulu kwimfuno yabathengi imveliso. Kunye nokunciphisa ukusetyenziswa kwemiqathango engqongqo ukuze enika inkxaso-mali. Kuphela kwiindawo ezifana umbane, kwimpahla yentsimbi ye computer kunye nemveliso nezacholo, 30% ngo-2015 sehla mali. indima ebalulekileyo kule wadlala kukuyeka iinkampani emakethe ehamba, kwakunye ifuthe lokunyuka kwamaxabiso. Ekubeni umbono walo ucutheko yemarike ngo-2015 15%. Ekupheleni konyaka iiphothifoliyo uwonke yonke imisebenzi yenza izigidi 255 engange. ingeniso market kahle lehle nge-7% ngo-2015 ngenxa yemingcipheko olukhulayo kubathengi. ukwehla efanayo kwaphawuleka ngo-2009, ukuya kuthi ga ngoku.

Nangona ukonakala imeko okwethutyana, amandla imarike omkhulu. Inani abathengi akhutheleyo kunyaka yonyuke phantse 2 lunemiba: kwiinkampani-6 ukuya kwi-10 amawaka .. Nelona nani iinkampani ezithengisa imveliso kwi ngokwemiqathango ngetyala, ngakumbi. Ukwandisa inani baxhamli izihlandlo ezithathu - injongo enokufezekiswa.

Ukuyicazulula VS Credit

Ukuyicazulula ukhumbuza scheme yokubolekisa. Kodwa ukusebenza uneempawu zawo.

impumelelo

Ngowe-2015 kuye kwavulwa ofisi 5 Urals, eMoscow, kummandla yaseMzantsi, Northwest kunye iVolga-Vyatka. Ngo-2016 OOO "Sberbank ukuyicazulula" wenza isivumelwano sentsebenziswano kunye "i METRO Cash & Phumeza" kwaye APESK apho mveliso ziya kufumana iinkonzo ukuyicazulula kwiimeko express: ngokutsha ekhawulezayo isicelo kwezigqibo. Inzuzo imisebenzi ingaphezulu yokubolekisa zoqobo. I-avareji ingeniso asethi - iinyanga ezimbini, oko kukuthi amaxesha 6 ngonyaka inkampani babuyela umzimba mboleko kunye nenzala.

amacebo

Abaxhasi ye-Savings Bank ibisoloko phambili ngokukhawuleza. Iinjongo ifanayo intlangano entsha. Ngokutsho inani eliqikelelweyo ekupheleni kuka-2016 umthamo ishishini inkampani "ukuyicazulula Savings Bank" kufuneka ibe 30 bhiliyoni engange, ngo-2017 -. 90 billion engange, kwaye ngo-2018 -. Ukuze engange 240 billion. Ngokutsho AFC, ngo-2014 ivolyum portfolio of kwiinkampani kwimarike yi 309 billion engange, apho 68% babe ziinkokeli kurhwebo ezintlanu eziphambili :. "VTB ukuyicazulula", "PSB", "Alfa-Bank", "Gazprombank" and "Petrocommerce ".

imigangatho eqolo ezaziwayo nkqu yinkampani ngokwayo. qhinga sophuhliso umbutho kwiminyaka emi-5 ezayo sele okwangoku samkelwe. Ngoko ke, la manani epapashwe zinxulumene kanye iimfuno zobugcisa, kodwa hayi ehlenga nophuhliso. Injongo yale nkampani "ukuyicazulula Savings Bank" kwixa elizayo - ukubonelela ngeenkonzo kubathengi amashishini amancinane, aphakathi kunye enkulu.

Ukufikelela imivalo inkampani akuyi kuba lula. Kwangaxeshanye, ngokungafaniyo uninzi lwabathathi-nxaxheba yemarike, i-Savings Bank isixa esikhulu amatyala kwaye bafikelele kwinkxaso-mali cheap. Oko kukuthi, lo mbutho uya kukwazi ukunikela ehlise ezivenkileni. Ewe, kwaye imarike kuyinto ukuvela abadlali ezinkulu aya kuxhamla ukufumana umfutho omtsha kuphuhliso.

Iinkonzo Ltd. "Sberbank ukuyicazulula"

Omnye yemiqathango ukuba asayine isivumelwano umthengisi intsebenziswano kumthengi ukuba ubuncinane iinyanga ezimbini. Ukuba omabini amaqela ku yingisela na ngaphakathi lizwe, kuba imvumelwano kahle basekhaya, ukuba ezahlukeneyo - kahle lwangaphandle.

imiqathango yenkonzo

• Ukuthenga lwemali - engange.
• Ikota - elingenammiselo.
• intlawulo elityazisiweyo nekude - up iintsuku 180.

Xa ufaka idiposithi intengiselwano ingafuneki. Kodwa ke ngokwemvumelwano unakho ukunikezela ilungelo ebango kuchaswa. Ukuba onetyala na ukuhlawula ityala, inkampani unako ukufaka ibango umva ukusuka umxhasi zonke iintlawulo esekelwe Commission.

Izimvo malunga inkampani

Inzuzo enkulu zokusebenza kunye nkampani kukuba umbutho ulungele kwiindleko izivumelwano, nkqu bangenele abatsha, abaye abangenamava msebenzi. Ngokukodwa, oku kusebenza kumashishini amancinane kunye naphakathi-ertyisi, iibhanki kwiimvumelwano yemigangatho akathandi kusebenza.

Kakade ke, izabelo zenkampani musa isebenza kubo bonke abathathi-nxaxheba kurhwebo kunye nobudlelwane kwezoqoqosho. iimpendulo Inkampani ukuqinisekisa ukuba, umzekelo, ukunyusa umda kwemali kunokwenzeka kuphela kwisithuba seenyanga ezintathu emva kokusayina isivumelwano kunye nombutho kunye namaqabane wathembela kuphela. Ngapha koko, ngamaxesha jump delay lwemali ukuze uhlawule ityala ayinakuphepheka. Ukuba umxhasi liye laqukumbela isivumelwano umba kunye uncedo, iinzuzo kulo senzo, oko ayisebenzi. Intengiselwano ngaphandle umba kule mvumelwano ayabiza kakhulu, kuba iingozi zemali yenkampani ziyanda.

Kuxhomekeka osikiweyo. Kwi-avareji, imbali amaqabane kuthakazelelwa kakhulu intsebenziswano yakho kuvavanywa ukuya kwiintsuku ezisi-7. Kulo mzekelo, kufuneka banike zonke iinkcukacha kwii-invoyisi zokuthenga kunye imiqathango intlawulo ixesha elidlulileyo. Kodwa ukuba ngethuba loviwo yesicelo ekupheleni womnye maxwebhu "ubomi ezikhabhathini", kuya kufuneka iphakheji ukuvuselelwa. Noko ke, le ngxaki kuphetshwe yi nangoko abanikela iphakheji epheleleyo yamaxwebhu kwi client.

E-kahle

NgoNovemba 2015 sisayinwe yokuqala kahle contract nge-elektroniki phakathi kwamaqabane eMoscow kunye eSt Pererburge. Technology E-kahle ishenxisa umsebenzi iphepha, iindleko ukunikezelwa yabo, kwakunye iimpazamo manual entry data. Lonke unxibelelwano kwenzeka ngokusebenzisa inkqubo yekhompyutha. Le iteknoloji lula kakhulu ukuba inkqubo ye-kahle intengiselwano phakathi abathengi kwimimandla eyahlukeneyo okanye amazwe. Inkxaso yobugcisa transactions kwenziwa yinkampani "KORUS Consulting ico" - umncedisi we-i-Savings Bank, nto leyo umqhubi EDI ekhokelela emarikeni kwicandelo ngemiyinge emincinci.