"Finance uye Credit": Reviews uye Matambudziko

"YechiUkraine Commercial Bank" rakaumbwa muna 1991. 4 Makore akazotevera zvakanzi kunzi "Finance uye Credit". Kwenguva refu chikwereti sangano raishanda pasina matambudziko. Muna 2013, Bank kwakaitika rechi13 ari mazita NBU tichitaura zvinhu. The chikuru mukutsirani ndiyo kambani "Ascania" (45.92%), Chao F & C Realty (41,58%), uye munhu anoyamurika - muzvinabhizimisi Konstantin Zhevago. Sezvo 2014 ari kureva kuti kubhangi, "Finance uye zvikwereti" vakawira zvikuru nokuda dambudziko solvency.

zvabuda zvemari

Panguva yokutanga kota 2015 kubhangi kuti zvinhu yakawedzera 21.2% nokuda wokukura deposits (pa mabhiriyoni 3.310 USD.). Panguva iyoyowo, kurasikirwa vakasvika mamiriyoni 715,7 OMR., Ndizvo ka13 kupfuura muzvirevo gore. Nokuda akaoma zveupfumi uye enyika mamiriro ezvinhu munyika, vatengi zhinji haigoni mitoro yavo kubhangi. Naizvozvo, Verengai iri provisioning mari ikawanda 3 nguva kubva 211,9 mamiriyoni 688,4 USD.

Bank "Finance uye Credit": matambudziko pamwe deposits

akanga gore rapera zvakaomera kuUkraine zvavo uye rwezvemabhengi zvekutepfenyura zvikurukuru. Zvichitevera pokuwa masangano 'Ukrgas "," Rodovid "," Brokbusiness "uye" Nadra "kune Ukrainian kumusika anogona kunyangarika Bank" Finance uye Credit ". Anodzokorora anxious depositors forum uye kunopfuurira muuraye pamberi NBU chivakwa chete sembura zvinhu.

Kwenguva refu, shareholders akakwanisa kuvanza akaoma mari nzvimbo sangano. Matambudziko zvakatanga apo dhora yakanyangarika kubva exchangers. "Finance uye Credit" (Ukraine) akarega kubhadhara mipiro vatengi, dzichishandisa kushaya mari iri mari. Pakupindura chero mhinduro mudonzvo aida kupinda tungamidzana pamusoro issuance emadhora. Kufadza zviri yeGmail.END_STRONG anogona kutarisira - zviri mukana kuti $ 100. Kwete mari, asi chete mukana. In wokutanga mari deposits Bank ichi "Finance uye Credit" anodzoka yeGmail.END_STRONG muna OMR maererano pamutemo NBU zvazvingava. Musiyano pamwe musika mwero kwave zvikuru, saka kwete vanhu vakawanda vanobvumirana kuti zano rakadaro. Ipapo akamira kupa deposits. Sezvo Hryvnia uye dzimwe mari.

kunze rubatsiro

All mukuru mutengi akapindura kuti zvinotarisirwa refinancing pakati kubhengi "Mari uye Credit", uye aida kuzodzoka mumazuva mashomanana. Maererano Central Bank, iri kwakadzama pamusoro recapitalization kwakaitika kubvira 2014. Asi zvino mukuru munhu anoyamurika akaramba kudira mari kupinda tsika.

Asi muna February 2015, NBU akapa sangano Kudzikamiswa chikwereti $ 700 miriyoni OMR. aine kukura 2 makore pasi yokuzvigadzirisa - chinokosha pfuma yakaoma. A chakazoitwa dzichiwedzera June 2015 pagungano pamusangano anoshamisa shareholders pakati guru mvumo uchingoti mamwe anogoverana akasanganiswa 1, 972 bhiriyoni USD. Pokutanga kodzero kutenga yemakambani kodzero ndivo shareholders mikuru, "Askania" Chao LLC uye F & C Realty.

"Finance uye Credit": vatengi wongororo

Kunyange zvazvo pasi purogiramu refinancing mbiri sangano akagashira imwe mari rokudzorera liquidity, vatengi vachiri matambudziko. Mari yokupira masangano vari nechando ezvinhu, pasina chinhu kufamba. Vanhu hazvigoni kubviswa Verengai rinopfuura 2 zviuru. OMR. pazuva. Panguva iyoyo akaudzwa kuti anobhadhara mubereko deposits Bank "Finance uye Credit". Customer inofambiswa inosimbisa kuti mari chaizvoizvo akatanga kuuya kadhi nhoroondo. Asi rombo haisi zvose, asi chete avo vakatenderana kurebesa rokuti chesungano. Asi pamusoro zvavo ngava nebhengi haakanganwi. Credit Sangano asingadi kupedza nguva yakawanda kuti kutengesa kodzero vanoti chikwereti vateresi, uye iye nyaya kudare. Somugumisiro, vatengi kubhadhara guru mari nonoka zvikwereti uye fines, izvo dzimwe nguva akapfuudza chikuru uwandu.

Nyanzvi Tips: How kudzorera mari

Kushaikwa liquidity kunzwa harisi chete pamahombekombe, "Finance uye Credit." Matambudziko Solvency dzakachinja dzakawanda mikuru masangano munyika. Asi nyanzvi vanoti kuti unogona kudzorera mari pasina kuenda kudare.

mumwe nzira: kuchinjana mashoko dhipoziti kuti chikwereti

zano Izvi zvinoshanda chete kana vaviri zvigadzirwa vari yakashongedzwa mune imwe bhengi. Asi nuances dzinofanira kukurukurwa zvakananga chete chikwereti tsika. Makore akawanda apfuura, exchange zano zvakabayirwa kumapati rechitatu. Muridzi dhipoziti kusvika anokwereta rewrote mipiro yavo. Munhu anoyamurika zvinoshanda Bank "Finance uye Credit" (Ukraine) pamwe chikumbiro kuverenga mari mu chikwereti zvibozwa. Ipapo anokwereta iri mari inobhadharwa kuti depositor chitsama chikwereti pamusoro chikwereti. Somugumisiro, kutanga kubvisa chikwereti, uye mumwe vakagamuchira mari. The dhisikaundi anogona siyana pakati 20-50%. Asi kunyange aine musiyano zvokuti vanhu vanogona abhadhare chikwereti 500 zviuru. OMR., Kuzvichenjerera mu mari hafu yaizvozvo. Asi kushaya pamutemo mutemo ukama izvi zvinobvumira chero bato kudare zvekufamba pakushora kutengeserana.

Method maviri: kunyora chichemo kuna NBU

Kana kadhi sangano anokoshesa mukurumbira wayo uye haadi kuchiwedzera kuti ukama regulator, ipapo zviito zvakadaro kuita kudzokera mari kune munhu anoda kubetserwa.

Change deposits migove

State mubhengi, "Finance uye Credit" hahugutsi uye inoda mamwe majekiseni. Naizvozvo, vakatanga vakasarudza kuwedzera nokururama guru yakabudisa bhuku rainzi nemigove. National Bank ichangopfuura zvakabayirwa makambani kuchinjana deposits vavo migove kwemutongo sangano. Great kushingaira kuroorwa hazvikonzerwi nokuda kwevanhu. Nei zvake mugari yemakambani kuchengetedzeka kubhengi? Kunyange muCyprus, uko nemauto yakazokudziridzwa zvakanaka pamberi dambudziko, pakadaro vachinzwisisa okusafarira. In Ukraine, pamwe havaratidzi kutoitwa pamusika wemari nhau dzakadaro kunogona chete kweimwe water drainage kuti guta.

Kutongwa senzira yokubuda

Vatengi vakawanda vanobvumirana pachavo kunokumbira. Kunyanya kana mari kusapfuudza chitsama dhipoziti. Rokutonga tsika inoratidza kuti agadzirise kakawanda ngachiitwe muchifarira nemhosva. Zvechokwadi, kutadza kudzorera dhipoziti mu pakaputsika Chikamu 382 yemutemo weCriminal Code rweUkraine. Uye nhasi ndiwo nzira inonyatsobudirira chikwereti kupora.

Lawyers vari zano kugadzirira nokuti pachine uye vatange muitiro pakukurukura kubhangi chete kunyora. First unofanira kuzviisa pasi kushanda pamwe chikumbiro kugumisa dhipoziti chibvumirano migumisiro (sokunonoka kuwana vanonzi raanotaura gwaro). Mashoko anofanira kutumwa vaipupurirwa tsamba, kana neposvo kana kunyora nouya. On wechipiri anofanira kuva kuuya nhamba, musi kunyoresa mapepa. Kana kadhi sangano pashure kuguma chibvumirano Haapi mari, dzichishandisa zvikonzero zvakasiyana-siyana, unofanira kutaura navo zvichemo kuna sachigaro Bank uye NBU. Pashure kuti kushanda kudare.

Chichemo anofanira anoratidza kwete chete zvinodiwa kudzorera dhipoziti mari uye mubereko, asiwo kuomerera kuripwa marangirwo kuti kutyora yematemu (kazhinji zviri 0,001%, kunonyanyisa 10% of dhipoziti uwandu). Usakanganwa pamusoro tsika kukuvadza, asi wakanaka mukupera mubhadharo. Pane mukana kuhwinha shure 3% of kunonoka Verengai uye kufukidza mitengo.

Litigation kunogona kutora nguva yakareba (kubva wandei mwedzi akawanda) uye mari. Pamutemo mari zvinosanganisira dare yechikoro (1% uwandu kutaura, kunonyanyisa 3654,00 OMR.). Mari vabatsirwe pamutemo, apo kuwanda mitengo makuru kwazvo, unogona kusimuka kubva mukwirirwi.

Top mamaneja vane basa

Chinonyanya wakaora vatengi vakashumira chikumbiro kuita basa mukuru kungopfeka kuenda kunze kwenyika, kuti auye naye kururamisira, uye kuti torera enzvimbo kuverenga kunoshamisa deposits. zano iri kunoda refu pre-kutongwa kutsvakurudza, sarudzo uye vatevedzere zviri mutongo. The dambudziko pano iri ndechokuti mukwirirwi kungangoratidza vasina zvinhu zvakakwana kubhadhara chikwereti pamusoro deposits pamwe mubereko. Wechipiri chinhu: asi mukwiriri inofanira hazvo kuratidza kuti pamusoro mamaneja nemaune vakakundikana kuzadzisa mutongo wedare. Zvinotora mwedzi. Zvisinei, magweta vanoti nzira iri pamutemo kutamburira deposits uye depositors vane mukana kuhwina kudare.

Rakavimbika kubhangi, "Finance uye zvikwereti" akawira nehasha. Most zvakakanganisa vatengi kubva Donbas uye Crimea. Pasinei kuhwina rumhan'aro, kudzokera mari dzavo yeGmail.END_STRONG achiri asingagoni.

The kuvhurika tsotsi mhosva munhu pamusoro maneja hakuvimbisi okutambirwa ari rubatso, pamwe mubereko. Asi zvichazununguka kumanikidza vokubhengi kuteerera matambudziko evanhu uye vatange aidzivisa. Kana usingaiti chinhu, ipapo muripo zvinogona kana kwete kumirira, kana kuti vawane mari kubva Deposit Guarantee Fund.

Ndiani anofanira kunokumbira

Refinancing pakati Bank "Finance uye zvikwereti" ari kutarisirwa migumisiro usati wapiwa. Kureba NBU kunonoka Kuturwa zvokungoitawo yaitonga, kuoma uchawana mari. Vatengi uyo dhipoziti mari asingadi kusapfuudza inosimbiswa mamiriro 200 zviuru. OMR., The mari zvavachawana. Mubvunzo chete kana. Asi chikuru Contributor vanofanira kukurumidza pamwe nomuedzo uye kunokumbira kupinda imwe zvokungoitawo yaitonga.

mhedziso

Nokuda akaoma zvoupfumi mamiriro munyika mumakore gore kubva kumusika zvaitora masangano makuru 5. Danho rinotevera, "Finance uye Credit" Bank. Customer ongororo zvinoratidza kuti mumakore achangopfuura yava zvakaoma chaizvo kuti vawane inodiwa dhipoziti uye mubereko payo. Vatengi akatsanangura kuti nguva asingadi kushanda nokuti kushaya mari iri mubhengi kudzoka mumari. Nyanzvi chifunga Muzviitiko zvakadaro kana kuti kuchinjana kuti dhipoziti kuti chikwereti, kana kuti ikwidzwe kutaura uye Gadzirira imwe litigation refu uye yokuwedzera mutengo zvemari. Panyaya iyi, kana dhipoziti huwandu kwazvo 200 zviuru. OMR., Ipapo muedzo zviri nani kwete kunonoka.