Bank "Financial Initiative": kuongorora. "Financial Initiative": mhinduro kubva kune vatengi nevashandi

Paanoronga kuva muchengeti webhangi kuti aite mari kana kuzarura kambani, munhu wekutanga chekuongorora kwose kwete kungoitika munyaya yezvemari, asiwo maitiro akawanda. Izvo "zvekubhadhara mari" ndiyo nheyo yebhangi inokwezva kutarisa. Nhamba yakawanda yematavi eUkraine inotaura pamusoro pehupamhi hwehutano hwemari, pamusoro pekudiwa kwemabasa ayo. Kune rumwe rutivi, pane zvakawanda zvakakura zvekuregererwa uye kure nemhinduro dzechokwadi. Bhizinesi "Financial Initiative" inopa mazwi anofadza zvikuru ekubatana, asi zvinhu zvose zvakarongeka.

A bit of history

Bhizinesi rainzi "Financial Initiative" harisi rekupedzisira rezvemari muUkraine. Nhoroondo yacho yakatanga muna 2004. Pazvikamu zvekutanga zvekuvandudzwa kwayo, sangano rakapa hutano hwepamusoro kune vamwe uye masangano epamutemo. Nzvimbo yacho yakanyatsopindirana nemitoro yayo, uye kwakanga kusina zvikwanganiso zvayo. Chirongwa chikamu cheSangano reMabhanki eUkraine, inhengo yeKi Kiev Stock Exchange, PFTS uye UkrCard. Bhengi ine nhengo mune dzimwe sangano dzakasimba saPARD, UNIA uye SWIFT. Maererano nehukuru hwehutungamiri hukuru uye yehuwandu hwezvinhu, sangano rinopiwa kune rimwe boka. Pasinei nemashoko asina kunaka, "Financial Initiative" inotora chikamu chechina pakuongororwa kwemabhanki eUkrainian. Nhamba yegwaro rakagadzwa ndiro 2 000 000 000 UAH. Semuenzaniso, kwekupedzisira kwekubika kwegore ra2012, purogiramu yenzvimbo yacho yakasvika kusvika mazana zviuru mazana mashanu. Mari inowanikwa muhutano hwakachena wekupedzisira yekuzivisa nguva yegore rimwechete yakaenzana neUAH 1,288,383 zviuru. Asi iyi inhau.

Inonakidza zvirongwa zvevatengi

Bhizinesi "Financial Initiative" mari inowedzera inonakidza uye ine chibereko chakanaka . Kune miitiro yakawanda yekushandira pamwe nemapurogiramu akasiyana-siyana:

• Mupiro wekutanga wekubhadhara mutengo wegore negore. Nguva yaro mwedzi gumi nembiri.
• Mupiro unofadza nemutengo wekubhadhara mwedzi mumwe nomumwe uye mukana wekudzorera zvakare. Nguva yenguva yacho inenge mwedzi gumi nemaviri.
• Purogiramu yepasi rose ne capitalization uye mukana wekudzorera zvakare. Nguva yepurogiramu iyi mwedzi gumi nembiri.

Icho chichiripo mari yakadai se "Capital", "Kuvimbika" uye "Inoshanda". Zvese dzakasiyana kubva kune mumwe uye dzinopa mamiriro akanaka kwazvo ekuisa mari. Kusvikira muna2012, zvirongwa zvekuisa mari yekambani yezvemari zvaive zvakanaka. Bhizinesi "Financial Initiative" yakabhadhara chikwereti panguva uye pakupera kwegore rechibvumirano rakadzorera mari yekuisa mari. Kuputsa kwekutanga kwemitemo yebambirano kwakaonekwa muna 2013.

Ngatitendei kune zvakaitika, funga nezvezviito zvebhangi nhasi. Bhizinesi "Financial Initiative", iyo matavi ayo ari munzvimbo dzakasiyana-siyana yenyika, inongova chikwata cheUkraine. Muridzi wezvikamu zvaro ndeOOO Invest-Service. Inzvimbo yeachigaro webhodhi rechivako inotorwa naAndrei Tsyktor. Nhepfenyuro yezvemari, ine zvivako zveUAH 9,9 biriyoni, yakashanda nesimba mubato re interbank mumakore achangopfuura. Vamiririri vekambani vanobatanidzwa mukukwevera zvinhu zvekushandisa pamatunhu akakwirira. Zvakakosha kuziva kuti mari inopfuura 50% yemari yakasimwa nebhangi iri, chaizvoizvo, zvikwereti zvemabhengi. Mari inopfuura 80% inowanikwa pamitambo ye interbank ndiyo zvikwereti kune masangano epamutemo. Vhidhiyo nguva dzose vanochera ruzivo kuti muridzi ndiye mubhadharo mukuru webhangi, asi kwete pachake, asi mumunhu webhizimisi. Bakhmatyuk, uyo ariwo mumiririri wehurumende yemasangano, anorongedza zvachose dzidziso iyi, achiomerera kuti bhizinesi rake harina kubhadhara kuburikidza nekushanda pamwe nemabhengi akabatanidzwa.

Pasinei nematambudziko

Kushanda kubva muna 2004, bhagheni "Financial Initiative", mushandi wepfungwa pamusoro pezvaive nechitarisiko chakanaka, nguva dzose akazadzisa zvaari kuita kune vatengi. Pasinei nematambudziko ayo muridzi wekambani anodzivisa, mari yezvemari inoramba ichipa huwandu hweshumiro kuvanhu, SMEs uye nekambani. Pakati pezvinonyanya kukosha mazano:

• Mhando yakawanda yemari.
• Multilateral kuendeswa kwemari.
• Kutengeswa kwemari nemabhandi emabhangi.
• Kushumira kwamabhengi emabhengi ikozvino, kusanganisira ine zvigadzirwa zvemhando.
• Mharidzo yehutano hwebhangi.
• Zuva nezuva uye yakarongeka RCS.
• Kugadzirirwa kwemasero ekuchengetedza kuchengetedzwa, zvigadzirwa zvemidziyo.
• Nyaya, kusanganisira sangano rekutenga uye kutengeswa.
• Kubhadhara uye kugovera.
• Depository mabasa.

Sangano rinoenderera mberi richienderana nemitemo yayo: munhu mumwechete kune umwe neumwe mutengi. Iko kushanda kukuru kwebhangi kunoitwa kuburikidza nehofisi huru, iri muKiev. Nzvimbo dzakawanda dzokuzvidzivirira nadzo dzinoshanda mumaguta akadai seObukhiv neRivne, Dnepropetrovsk neLviv, Donetsk neZaporozhye. Rimwe remapazi makuru ndiro ibhi "Financial Initiative" (Kharkov). Mhinduro dzevatengi nezvebasa rebazi rakanyanya kunaka.

Ko vatengi vanogamuchirwa sei?

Mutengi wose wekambani yezvemari ane chido chikuru anotaura nezvekugamuchira kwakagamuchirwa. Nezvevashandi vane ushamwari, vanonyorera mabheji nemamenenja vanoti vazhinji vanoongorora. "Financial Initiative" inzvimbo iyo yavakaita nayo zvakanakisisa kuti vateerere mafungiro ekutanga. Kana uine mibvunzo, nyanzvi dzinotsanangura zvose zvakadzama, dzinosarudza chaizvo iyo mafaira emumwe mutengi, anomufananidza zvakanyanya. Sezvo vazhinji vanotaura, hapana mubvunzo pamusoro pekuvimbika uye kuchena. Pane manzwiro ekuti mari iri ikozvino mumaoko akachengeteka. Zvisinei, izvi ndizvo chete zvinotanga kuonekwa, izvo mumamiriro ezvinhu akawanda zvinonyengedza. Panewo rumwe rutivi rwepakati yemari, iyo iyo maitiro asina kunaka anoudzwa. Izvo "zvekubhadhara mari" pamusoro pemakore maviri akapfuura zvakatanga kuputsa zvido zvehukama, nekuitsanangura nezvimwe zvinhu zvisinganzwisisiki. Pasi payo, vagari vemari.

Chii chinoitika kuvaridzi vemari?

Kutanga muna 2013, mhinduro dzisina kunaka dzakatanga kuonekwa paIndaneti kubva kuvanhu avo, ivo vakati, vaiva nekutadza kuisa mari yavo kugadziro. Pazvikamu zvekutanga zvekubatanidzwa, zvinhu zvose zvakafamba zvakanaka. Kufarira kwakawedzerwa mwedzi memwedzi, pasina kunonoka. Vaya vose vanoda kutenga mari pasina matambudziko. Pakazosvika gore ra2014 chido chekuisa mari chakatanga kunonoka, izvo zvakakonzera kufara pakati pevatengi. Mamiriro acho akavharwa nemaziso, kusvikira yasvika pakubvisa mari yacho. Zvisingashamisi sezvazvinogona kuonekwa, pane zvikonzero zvakawanda zvekuti nei mabhizimusi ebhizimisi risina kukwanisa kupa mari. Dhipatimendi, kuongorora pamusoro pekuve kwakanakisisa, hazvina kuzviruramisa pachavo. Maererano neavo vanoisa mari, sangano rezvemari rakatanga kupa chirongwa chepasi rose, maererano nekuti vanhu vaida kupikira hafu yezvinyorwa pamatare emari, asi pamamiriro ezvinhu apo chikamu chechipiri chedhipatimendi chichadzokodzwa zvakare maererano nemvumo itsva yezwi idzva. Vasingazivi nzira yekuwana nayo mari yavo, vatengesi vakatanga kutenderana kunyange kune zvirevo zvakadaro.

Ko zvakadini nemari yemari yekunze kune dzimwe nyika?

Izvo simba, iro raigara rakasiyana nebhangi "Financial Initiative", - mari. Kuongorora pamusoro pavo kwemakore akawanda kwaive nechitarisiko chakanaka. Hasha yekutanga yakaonekwa paInternet uye mune zvenhau panzvimbo yevadzidzisi vemari dzedzimwe nyika. Vanopokana kuti mushure mechibvumirano bhagheni yakaramba kupa mari. Vashandi venzvimbo iyi vakatsanangura uye vanoenderera mberi kutsanangura zvose nemitemo yeNBU. Munyaya iyi, chaizvoizvo, hurongwa hwakasimba hwakadaro hahupo. Mari yekuwedzerwa yakazaruka, uye munhu mumwe nomumwe anokwanisa kubvisa kubva kubhangi kana kubva pamakadhi mari inopfuura kudarika $ 500 kana yakaenzana ne 15 000 hryvnia. Maererano nevamwe vatengi, bhangi yakapa kupa mari yekune imwe nyika mari muUAH, asi kwete mumutengo wakataurwa pamusoro apa, asi kwete kupfuura 1000 hryvnia pavhiki. Izvo zvisiri izvo zvemamiriro ezvinhu hazvifaniri kuonekwazve zvakare. Imwe nyaya inobatana nevatengi avo vakasarudza kubvisa chibvumirano chechipo nekuda kwemamiriro ega ega. Chii chavakashamisika apo, mubazi rebhangi "Financial Initiative", kuongororwa kwevatengesi vaimbova vakanaka chete, vakarondedzera kurasikirwa kwevose vanofarira muitiko wekuguma kwechibvumirano. Panguva imwecheteyo, rugwaro rwacho rwakataura chimwe chinhu maererano nekuti, pamagumo ekubatana, chikamu chichadzorerwa pachiyero che 0.5%. Kutaura zvakawanda, zvakasvibiswa pamusoro pezvikwereti muhuwandu hwe17% yemutengo wemari. Ichi chibvumirano chakanga chisati chaonekwa chaizvo. Muchiedza kutsanangura mamiriro acho ezvinhu, vatengi vaiendeswa kunzvimbo yepamutemo kunotsvaka ruzivo. Zvinyorwa zvenyaya iyi zviri kuitika nhasi.

Mari kuburikidza nemarangano, kunyunyuta uye nhau

Kutaura kwekuti bhaganisi "Financial Initiative" yechinetso haisi kure, haiti kungoongororwa chete paInternet, asiwo kupararira kune zvinyorwa mumasangano uye kunyange komiti yeAntimonopoly uye komiti yekudzivirira kodzero dzevatengi. Kuvimbika kweruzivo urwu kunonetsa kwazvo kuongorora, asi zvose zvinonzwika. Mushure mekuramba kwevashandi vebhangi kuti vape mari yacho, vatengi havana kuora mwoyo uye vakatanga kushanda nesimba. MuKharkov, pakanga pane kunyange kupesana kwakabatana pedyo nehofisi nemaposita. Mushure mokumutsa hupfumi, sangano rezvemari, zvishoma nezvishoma, asi zvishoma nezvishoma rakatanga kuzadzisa zvarinosungirwa. Pane hutano hwakavimbika hwekuti vanhu vachiri kugamuchira mari yavo yakaoma-yakawanikwa, pasinei nemwedzi mishoma gare gare, inotaurwa uye mune zvikamu. Chinhu chikuru ndechekuti chigumisiro chakaitwa uye kuti mumamiriro ezvinhu ikozvino kodzero yakadzivirirwa, pasinei nedambudziko rezvemari kwete kwete chete yezvemari, asi yehurumende yose.

Nhamba dzinoti chii?

Sezvakataurwa pamusoro apa, kuongororwa kwevashandi veBusiness Initiative Bank haisi nguva dzose inogona kuvimba. Zvakawanda pamusoro pemamiriro ezvinhu chaiwo mu sangano anokwanisa kuzivisa nhamba dzehurumende. Yakanga yatototaurwa kare kuti mari yezvemari muhuwandu hweNBU yakaita sechipiri uye kune chimwe chinhu chokuzvirumbidza nacho. Dambudziko nderokuti ruzivo rwakarurama, asi rutivi chete. Chigaro chacho chakaenda kubhangi zvichienderana nehukuru hwayo pachayo uye zvichibva pane zvinhu, ukuru hwei (maererano nehuwandu hwekufungidzira) 17,538,523 hryvnia. Kana zviri zvekutarisirwa, zvichienzaniswa neUAH 14 964 810, vakasiya bhanhire kusvika kunzvimbo yechitatu yesero rimwe chete muna 2014. Asi chinonyanya kufadza chiri mberi. Kwekupedzisira kwegore ra2014, sangano rezvemari rakaratidza kukanganisa-mamiriro ezvinhu muhuwandu hwa 86.339 UAH. Uye pano ikozvino pane, pane izvo zvingafananidzirwa. Iyi nhamba yedhijita inenge yakangoerekana ichinge yakaisa chikwata ichi panzvimbo ye12 kubva kune 158.

Miedzo yakaoma yekuvandudza mamiriro acho ezvinhu

Chikamu chehafu yebhadharo apozve kubudisa chikamu chechipiri kwemwe mwedzi mitanhatu haisi yega inoshandiswa neFinter Initiative (kubhangi, Kyiv). Mhinduro dzevatengi dzakaudza zvakawanda zvakawanda. Vamwe vanhu vaipiwa kuti vatore rubatsiro chete pane mari uye kwete kudarika 15% yehuwandu hwedhipiti. Uyezve, vanochengetedza nguva dzose vanoratidza kuti mabhuku avo akavharwa, uye havana mukana wekugara muchitoro kana zvichidiwa. Dambudziko rekushaya kushanda uye kusakwanisa kwemapu, izvo zvakatanga kuzivikanwa kutanga kwegore ra2014, zvino zvave zvakanyanya kukurumidza. Zvepamutemo, vashandi vebhangi vanoti hapana kutyorwa kwechirongwa chiri muchiitiko chekuzadzisa zvikwereti pasi pezvibvumirano zvepa deposit. Uyezve, vedzeri bhendi mumunhu waAndrey Demchenko mubvunzurudzo yepamutemo yakasiya mhinduro yakananga uye yakarongedza nezvezvikwereti zvakawanda zvemabhonasi, pazvinowedzera kuwedzera muganhu wekudzorera uye nehuwandu hwekuda. Mushure mekutengesa kutsvakurudza mune imwe yematare eKiev, nyanzvi dzakaona kuti makadhi acho haashandi, uye mono maoko haagamuchiri kudarika 15% yemari yekubhadhara uye kufarira. Zviitiko zvenyanzvi mavoti vanoona mamiriro ezvinhu sekuputsa kodzero dzevanhu uye kuwedzerwa kwekumanikidzirwa kwedhipiti.

Hazvina chokwadi kuti zvinodhaka

Zvose zvakanyorwa pamusoro chete zvinotungamirira kune pfungwa yokuti bhizinesi "Financial Initiative" haikwanise kupa huwandu hwakanaka hwehuwandu hwayo. Kana munguva yemberi iri mberi mamiriro ezvinhu haachinje, uye mamiriro ekubviswa kwemabhadharo haazoregi kupesana nemutemo wekuUkraine uye Civil Code, sangano rinogona kurega zvachose basa rayo kusvikira kutsanangurwa kwemamiriro ezvinhu. Panguva ino, kana pane vanhu vanoisa mari ino muchikwata ichi, izwi rechibvumirano chekare chave chapera, vanofanira kupfuurira nenzira inotevera:

• Tumira kunyunyuta kune National Bank of Ukraine.
• Nyorera kudare chirevo chekutaura kuti chinotora kubva mune zvemari chikwereti chakazara chedhipiti.

Nhasi bhaganisi iri kuramba ichishanda uye inoramba ichiwana mari kubva kune vanofarira. Iwe unogona kutaura kuti iwe haufaniri kutenda mukanakidza kutengesa uye kufarira kufarira. Kuongororwa nevashandi pamusoro pebhangi, hongu, kune vakanaka, asi havakwanisi kuvimbwa. Kutaura chokwadi, uyezve kurasikirwa nebasa hapana munhu angada. Iko kushandiswa kwebatsiro kunonyatsoratidzira mamiriro ezvinhu muhurumende. Nhamba yekutanga yekunyatsoteerera inowanikwa apo bhangi inopa chido chakanakisisa pane dhipiti. Zvakakosha kufungisisa chii chakaita kuti vatungamiri vekambani varambe vachipa purogiramu zvishoma uye vaende mberi kwezvinhu zviripo.