"Rosenergobank", uphononongo-mvume: ezibangela ingxaki

Ihlabathi lizele amarhe. Ngoko saxelelwa njengomntwana, kwaye yiloo nto sithethe abathengi yeebhanki. Yaye oko kufuneka sivume, abaninzi amaziko zemali igama elakhiwe-50% ye ngamarhe kunye nezimvo umsebenzisi. Noko ke, kukho enye kodwa. Yinto enye into xa inkampani nokuxoxwa eyakhayo, akuzange ufuna ukukhanyela, yaye enye - ukuba ibhanki ithi akukho okucengacengayo izinto. Victim iingxelo ezinjalo, kwimbono zethu, waza waba "Rosenergobank". Ukurhoxiswa kwelayisenisi - yenye kwezi eziziintloko kuxutyushwayo yonke imihla kwiiforam ezahlukeneyo zemali kunye nothungelwano lwentlalo. Kodwa luya kurhoxiswa? Okanye ebhankini, njengoko kwi kutshanje-2008, uya kuba nako ukufumana emke nayo?

ulwazi ngokubanzi malunga yasebhankini

Ngoko ke, lo mbandela yeengxoxo abaninzi baqala notorious "Rosenergobank". Iingxaki eminhlanganweni, kwakunye naliphi na elinye iziko zemali, kwavela ngamathuba athile. Kodwa ke, nangona oku, nangoku ke lezimali. Le yenye amaziko mali inkulu eRashiya esebenza kwicandelo ngetyala nokugcina iingxelo amashishini amancinane kunye naphakathi.

abaxhasi kwiziko lemali: abo

Abaxhasi lombutho ngalo mzuzu i izakhiwo yorhwebo enkulu ezimbalwa, kuquka abo basebenza kwicandelo eneji. Owona mthombo uphambili inkxaso-mali ifakwa abantu namhlanje. Ngaphezu koko, eli ziko Ezorhwebo athathe inxaxheba ukuthengisela yokurhweba imisebenzi ukuguquka kunye izibambiso. Hi ndlela leyi, umlawuli kutshanje kwandiswa inani mvume enxulumene kwiziko lemali urhwebo emarikeni.

Yintoni ebangela ukuba ukwesaba le mood loluntu?

Unobangela uqhelekileyo ukwesaba uba ukoyika kwicala labathengi enye okanye ngaphezulu yeziko lamatyala. uloyiko lwabo lidla ezinxulumene iingxaki ezithile bakwazi nazo. Ngokomzekelo, cinga imeko apho "Rosenergobank" akwenzi intlawulo. Okanye kunoko, kukho inkathazo efanayo-akhawunti abantu abaliqela woyika waza waqalisa ukusasaza ezibaxhalabisayo zabo kwikhonkco. Kunye virus eyingozi "bankoboyazni 'bazikhethele kunye nabanye abasebenzisi, leyo aqalile ukuba babelane ngeengcinga zabo kunye nabanye abantu Russian.

Enyanisweni, le meko kutshanje lenzekile i "ROSENERGOBANK". Ngenxa yoko, one- twa bamthemba ebhankini, amarhe ukuba kungekudala uza kuphulukana ilayisenisi yaso. Kodwa akukho kubangela inkxalabo?

A uhambo olufutshane esidlule

Ngenxa yokuba le komlawuli ufekethe gawula intloko ekhohlo nasekunene, iibhanki ukubandezana mvume ihoseyile, ngaphandle ngokupheleleyo ngeke ungonakala kunokwenzeka ithuba. Noko ke, oko sinikhumbule kwaye imeko enzima ejongene "Rosenergobank" (Russia) kwi akakude kakhulu-2008. Ngelo xesha, iziko zemali ngokwenene ubunzima ezinye iilahleko yaye esengozini ukurhoxiswa kwaloo layisenisi yakhe. Ngoko nangoko baqala ukuvela abasebenzisi acaphuke bakhalazayo malunga qhwa leentlawulo kunye nokungabikho impendulo evela ebhankini.

Kodwa zokwanda yeziko mali panic ayiphumelelanga ukuyibuyisa. Le ndlela ifanelekileyo kanti umbutho yorhwebo kukusetyenziswa yenkqubo promissory ingqalelo. umongo wayo ngolu hlobo lulandelayo: abaxhasi ibhanki leyo bacelwa ukuba kufakwe izibophelelo ethetha lombutho ngu amanqaku promissory okhethekileyo. Ngokukodwa, "Rosenergobank" (ukurhoxiswa-mvume kule meko kuzakuthathwa, kodwa wakwazi ukubaleka) lucebise ukuba inkoliso abathengi ukuba bathenge 90% yemali lo oyilwayo hung, lo gama i-10% uthabathe ezandleni ngemali.

Ngokutsho nabameli, kule ndlela wavumela ukuba ukubeka ecaleni ngokupheleleyo non-abangahlawuliyo filing cabinet (obuthi bubekho ngokubanzi ilingane izabelo client neispolniteli, kuquka namatyala irhafu). Kwaye ke Ukungabikho yokufayilisha ezinjalo, ke, ndayihluthwa isiseko ngokusesikweni komlawuli njengenyathelo kakhulu ngokohlobo ukurhoxiswa kwaloo layisenisi yakhe.

Yeyiphi le nto zonke idalwa?

Okwangoku, uhlaziyo "Rosenergobank" (abasebenzisi reviews) ezinxulumene ne izinto ezintsha malunga xenga yayo zemali. Izizathu ezininzi:

• panic yokufakelwa, imibutho okhuphisana iibhanki;
• panic kwi adalwe ngabasebenzisi ngokwabo;
• kubenze kumaphephandaba;
• abahlaziyi;
• okubonakala ezingangqinelaniyo kwiingxelo zemali ekhoyo esidlangalaleni.

zibandakanya ubukho kwezikhewu ngokwenene intembeko, kuvulelekile kumalungu badyuduzele sezizathu eziphambili.

Ngokutsho umhlaziyi, ekuphela kwendlela ukunqanda ukwehlisela wentlangano ngetyala - ukutsiba iingxelo ezinokudala yokusabela embi evela kubathengi. Lo mbono kubonakala, ibamba ngokwakhe "Rosenergobank" (reviews of bhanki kulo mzekelo exhasa le ngcamango) njengoko ingxelo yayo okokugqibela wamisa e-Agasti kulo nyaka. Ngoko ke, i-data ngoSeptemba kunye iinyanga ezimbini emva kwisiza ukuzilawula.

a lot of abasebenzisi, kubandakanywa iingcali zemali nabagxeki kuthathelwa ingqalelo ukurhoxisa kwiingxelo zemali, wenza izigqibo zazo malunga kozinzo yebhanki leyo. Kodwa kukho nasiphi na isizathu ukothuka?

"Rosenergobank" ukurhoxiswa kwelayisenisi: oko iingcali zithi?

Ngokutsho kweengcali, musani ukuphakuzela, kodwa ukucinga kumi meko. Ngokomzekelo, abaninzi iimpendulo zemibuzo ngokuphathelele imeko yemali lombutho mali ifumaneka kwi website yakhe esemthethweni rosenergobank.ru.

On abameli ngenxalenye yebhanki zichaza ngenyameko kakuhle eyona meko. Ngoko ke, ungakwazi ukuthelekisa isixa-mali zakho, epapashwe ekuqaleni Oktobha nangoSeptemba. Kwimeko yokuqala, sasifana engange-8.9 billion, ngoxa yesibini - 10.6 billion. Kule sinokugqiba ukuba nyanga kuphela kwakukho ukuncitshiswa ubukhulu eyinkunzi ngama-16%. Kwaye ithi kuphela ukuba iNkampani kwenzeke ukwanda elibukhali ilahleko.

Ngaphezu koko, iinkxalabo zabo malunga ukunciphisa ixabiso avumelekile eyinkunzi yebhanki iingxelo kunye komlawuli ngokwayo ekuqaleni kuka-Oktobha. Ngokutsho kwezi ngxelo, eli xabiso iya elibi, ukuze lincitshiswe kwi 5,125% okanye ngaphantsi. Ngenxa yoko, iziko zemali ababenengxaki ityala subordinated.

Nangona kunjalo, kuba ikwazile ukumelana nabo, xa zabelo bagqiba ukuguqula amatyala Izabelo yebhanki. Kungenxa oku waza wayibuyisela udidi capital. Ngamanye amazwi, nantoni na iingxaki zemali nakuphio na "Rosenergobank" ilayisensi yokuyeka yena akazange wamsongela. Nangona ngaphandle impembelelo kwezinye izinto, elizimeleyo abameli kwiziko zemali, akukho mfuneko.

Ngokufutshane, ngokubafihlela inkcazelo unika sizathu entsha intelekelelo kunye nokucingela. Ke okona kubalulekileyo, oko kuza kuchaphazela negama leziko zemali.

Yintoni abasebenzisi Ucinga?

abaxhasi iziko lamatyala badla ukuchaza iingxaki kunye nokususwa kwemali, intetho i "hung" Intlawulo kunye ezicingelwayo nhlangano ungonakala kungekudala. Abanye, phezu koko, zithi iingenelo ezitsha zentsebenziswano kunye ebhankini. Ngokomzekelo, omnye ezintsha ezinjalo ingqalelo inyathelo kosomashishini amakhadi UnionPay International. Ngokutsho ngokwemimiselo yayo, kunye amakhadi nokuhlawulwa kwempahla kunye neenkonzo kubathengi aphesheya 'Rosenergobank ezahlukeneyo "baya kuba nako ukufumana ukuya kwi-30% isaphulelo.

Yintoni na abasebenzi?

Ngokufuthi, xenga zemali arhente credit zithi abasebenzi ngokwabo. Oku kwakhona kungqinwa ingeniso omkhulu kunye nabasebenzi. Ukuze uqonde oku, akukho mfuneko yokuba ube yincutshe okanye ukuhlaziya. Nje ungena ku "Rosenergobank". Impendulo evela kubasebenzi Kwakhona eli qumrhu liza kudlala indima ebalulekileyo. Kodwa kuqala, kufuneka ukhangele jikelele. Ngokutsho kubathengi, imeko nayiphi na amasebe kakhulu ezingenamsebenzi. Ukugcinwa ezinzile kwaye akukho zimpawu uphaphazele. abasebenzi ukuzihlela bathi akuyi kuwushiya sicwangciso. Bathanda abasebenzi, ulawulo kunye nokusebenza siseko.

Ngokufutshane, isiza iyasebenza, abasebenzi musa ukubaleka, imisebenzi mali yenziwa. Ngenxa yoko, xenga yaye ngakumbi ke ukuba sokurhoxisa ilayisenisi, nkqu ngaphandle umbuzo.