Ukuthembeka zokukala beebhanki: yintoni itshintshile?

Amanqaku, apho ubona i amaziko zebhanki inokuthenjwa, kuxhomekeke kuhlaziyo qho kwiinyanga ezintathu. Akukho nto yimbi, ngenxa yokuba kufuneka uyazi utshintsho olusandukubakho ezibhankini njalo. La mazinga abe factor ezibalulekileyo xa ukhetha iziko mali ethile.

amaziko zebhanki Ukulinganiswa

Xa sithelekisa kwikota yesithathu ukuya kweyesine, ukuthembeka rating of iibhanki zilolo hlobo zazilulo. izikhundla Ukukhokela ahlala "Savings Bank", "Raiffeisen", "VTB", "Rosbank", "Bank Agricultural", njl Zonke ezi maziko banakho ukubonelela lonke uluhlu eziyimfuneko iinkonzo. Ngaphezulu, kufuneka kuqatshelwe ukuba ulawulo weebhanki baqalisa ukunikela ingqalelo engakumbi kwabo ngubani corporate.

Iinkonzo ezibonelelwa yi inkqubo zebhanki enxulumene, kuqala kwiinto zonke, icandelo sezona ziquququ kwisigaba kwezoqoqosho, ezizezi amashishini amancinane kunye naphakathi. Kufuneka kuqatshelwe ukuba inani unikeza ngokwaneleyo umdla kubathengi loo nyaka ngamnye ikhula ngakumbi. Kutshanje, kwixesha eliphakathi kunye neendlela ezincinane ukukhula kwamashishini kwavela kwaye sinako ngokukhuselekileyo sithi ukuba ezi ndidi zamashishini baye baqala ukuphuhlisa ngenkuthalo.

Utshintsho ukuba ithe ukuthembeka rating of iibhanki xa kuthelekiswa kwikota yesithathu enxulumene ukuvela iimeko zivuma elitsha kunikwa ezinkampani. Enterprises kweli lizwe, apho liya kusebenzisana kunye namaziko zebhanki ziya kuba nako ukutshintshela kwezinye nezi ngempumelelo enkulu, kuqala kwiinto zonke, ukuba ishishini lakho.

Ukuze ukhethe kwibhanki ethile, ufuna ukubona zonke iinketho ezikhoyo nokuphonononga iinzuzo wentsebenziswano. Musa ukulibala ngeenkonzo ezibanzi, oko kukuthi, indlela kulula. Kuyimfuneko ukuba siqwalasele ngokweenkcukacha iibhanki rating yokhuseleko eRashiya ngowe-2014.

La maziko zebhanki inkulu eRashiya

Sberbank namhlanje kucingelwa ukuba ibhanki likhulu lizwe kunye namazwe ico. Oku kuvele kwi ekuqaleni 21 kwinkulungwane th. Ukuza kuthi ga ngoku, "Sberbank" uliqabane ogama ukuthembeka ayikho kwamathandabuzo. It has amasebe ngokupheleleyo yonke imizi Russian. Ukongeza, eli ziko zemali anayo China, Jamani ne India. Zonke iiadresi ingafunyanwa kwi ulwazi engundoqo portal ngaseludinini. "Sberbank" lisebenza ngokupheleleyo zonke iintlobo abathengi. Kuba lweeklayenti ezikushishino ngokubonelela utyalo-mali, ityala, imali ityala, Consulting kunye neenkonzo zezimali.

Omnye amaziko aphambili, nto leyo iminyaka eliqela angazishiyi rating yokugcina kweebhanki VTB. Kuye kwahlelwa ngo-1990. Sebenzisa iinkonzo zebhanki singaba emdeni kumazwe angama-20. Kwimarike Russian, VTB Group ukwimo yesibini simo. Umsebenzi wenziwa kakhulu lweeklayenti ezikushishino. Ibhanki kwakhona bangenza isisombululo epheleleyo kwihlabathi lonke ngoosomashishini.

Ukuma unique "Gasprombank"

Ukuba sithethe iqondo kwandiswe, i "Gazprombank" kucingelwa ukuba ibe liziko kunye nesakhiwo ekhethekileyo. Isiseko sesi sakhiwo yenye yeebhanki ezinkulu kwilizwe lethu. inkonzo Customer lwenziwa phantsi kolwalathiso lweengcali, abanezakhono kakhulu. Bayazi yonke bokuqonda kwimisebenzi yebhanki, ngoko isebenze ngempumelelo enkulu. abaxhasi Corporate uthunyelelwa iinkonzo ungasebenzisa ukuba lula ekuphumezeni okuqulathwe zabo zemali. I-Bank ibambisane kunye neshishini avareji amancinci. Ukongeza, kukho abo amashishini abakwaziyo ndiqhayise multi-billion dollar phakathi abathengi yeziko zemali.

Umsebenzi "Alfa-Bank"

Kuqaliswa ngo-1990, "Alfa-Bank" Wakwazi ngokukhawuleza ukuya rating kuqiniswe yebhanki. Yena iziko jikelele, njengoko unako ukunika abathengi yalo ngokupheleleyo zonke iintlobo zeenkonzo zezimali. Kodwa ke, kufanele kuphawulwe ukuba imisebenzi ephambili ibhanki esebenza lweeklayenti ezikushishino. "Alfa-Bank" uyakwazi ukuhlawulela ishishini. Kufuneka kuqatshelwe ukuba ibhange uthungelwano inkulu isebe hayi kuphela imizi kumazwe Russia kunye ico. Ngomhla portal engundoqo yebhanki ngaphandle Ungafumana iidilesi onke amasebe.

Utshintsho kwi simo Ukrainian

Ngelo xesha xa Ukraine washiya iibhanki Western, iye yatshintsha icandelo lonke zezimali. Yonke imali labemi buzinze kuphela kumaziko zezimali zangaphakathi Russian. Umile ukusebenza kweli lizwe amaBritane, isiJamani, Czech, IsiDutch, iibhanki zoMzantsi Korean kunye Swedish. Zonke ezi tshintsho luye lwaba neempembelelo kunokuba olumandla ukuthembeka rating kweebhanki Ukrainian. 2014 kwaphawulwa kukuba amanye amaziko zemali lenyuka laya kutsho kwisikhundla ehamba phambili. Ngokomzekelo, xa kwindawo yesine "KrediAgrikolBank" leyo ngaphambili wayebambe izikhundla 16 kuphela. Indawo yesibini iqale, "Raiffeisen Bank Aval". I indawo yesithathu ibekwe "Ukreximbank". Kwindawo yokuqala kukho karhulumente "Oschadbank."

Amanye amaziko zebhanki ifakiwe simo, iza kubonelela zonke iinkonzo eziyimfuneko

Le angentla iinkqubo ezingundoqo zogcino. Bona kakhulu kuloo emizini eRashiya kunye kwamanye amazwe. Kodwa kusekho inani elikhulu beebhanki ezahlukeneyo, ukuthembeka apho Kwakhona akukho kwamathandabuzo. Abanokuwanika uluhlu lweenkonzo kubaxhasi lweziko kunye nabantu. Ukongezelela, abanokuwanika ishishini inkonzo kunye nokugcinwa ezibanzi. Ezinye iibhanki zibanga ngakumbi kumsebenzi sokuphuhlisa kwezolimo. Ngako oko, ukuba bathathe inxaxheba kwiinkqubo zikarhulumente ezinxulumene lo msebenzi.

Yonke imizi egcina imali, nto leyo zimelwe kwezi zixeliweyo, banakho ukubonelela uluhlu olupheleleyo lweenkonzo lonke software eyimfuneko ngokusebenzisa ezo lula intsebenziswano namashishini amancinane kunye neziphakathi. Ukongeza, abasebenzi yeBhanki njalo sisebenzela ukuba nokuphuhlisa iinkonzo ezintsha ukutsala abathengi ngaphezulu kwiindidi ezahlukeneyo.