Sudostroitelny Bank: zvinetso, kuvimbika kwekutarisa

Sudostroitelny Bank yakatangwa muna 1994 muMoscow. Sangano ikambani yemubereki yeboka rezvemari, rinosanganisira ZPIF "MART RIELTI" uye SB Chikwereti Issuance Limited. Somugumisiro wekudzokorora zvakare-branding, sangano rakagamuchira zita pfupi OOO CB SB-Bank. Sangano rakaratidza kuti rakanyatsosimbiswa, rinotungamirirwa nevatengi vemakambani. Zvinotora makumi masere munzvimbo yepamusoro mazana uye nechechitatu - muhurumende yenyika.

Sudostroitelny Bank: Matambudziko

Mukurumbira wekambani yakatanga kuipa pakupera kwegore ra2014, apo nhoroondo dzevanamabhizimisi pachavo nemasangano epamutemo vakange vakaoma. Pamisasa, vanhu vakanyunyuta pamusoro pemari isina kubhadharwa yakagadzirwa neBBC Sudostroitelny Bank. Kutengesa kwevateresi kunoratidza huwandu hwezvinetso nekuda kwekubhadhara kwemitero isingatarisirwi, kuumbwa zvikwereti uye ukama hwakashata pamwe nepararties.

Kunyange zvazvo zvimwe zvekubhadhara zvaive zvichiri kuitwa. Musi waJanuary 14, 2015, basa rakaitwa musi waDecember 26 rakaitika. Nomutemo, mutengesi unogoverwa mazuva matatu. Pamusana pekuti Sudostroitelny Bank haina kubhadhara, vakawanda vatengi vakamanikidzwa kusiya mabasa esangano. Panguva imwecheteyo, vanhu vazhinji vanocherechedza mafungiro akanaka evashandi vanopa mazano ekuvhara nyaya, iyo isiri iyo yakakwana yemamiriro ezvinhu akadaro.

Munguva pfupi paive nekunyunyuta kubva kune avo vakasarudza kuramba vachishanda pamwe ne LLC LLC "Sudostroitelny Bank." Matambudziko akawedzerwa apo sangano rakatanga kushandura zuva rekushandira kwekubhadhara mu "Account Personal" .Chirongwa chinotsanangura nguva iyo kubhadhara kwakagadzirwa, kugamuchirwa nekugadzirisa uye Aya mazuva akavandudzwa zuva rega rega.

Chikepe chekugadzira ngarava chakaedza kugadzirisa zvinetso zvekubhadhara nekuzarura faira yemabasa asina kuitwa. Kunyanya nokuda kwechinangwa ichi, nhoroondo itsva yakasikwa 47418. Yakaratidza basa rakagamuchirwa kuti riitwe uye rakatumirwa kuCentral Bank, asi nekuda kwekushaya mari kune iyo nyanzvi yekambani, kutengeserana uku kwakaendeswa kune rimwe divi rebhadhiti. Kuvandudza dhizha rezuva nezuva, bhangi rakaedza kuderedza nhamba yezvikumbiro mu kadi yefaira. Asi kana uchisunungura faira yepeji, unoona mazuva chaiwo ekuumbwa kwemagwaro. Somugumisiro, musi waJanuary 27, chivako chacho chakanyatsogadziriswa kubva pamagetsi ekutengeserana neCentral Bank.

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Kugadzirisa mamiriro acho ezvinhu, rega kubuda kwemari uye kugadzirisa mari yekusara kwekugadzirisa, sangano rakatanga kupa mamiriro ega ega ekutumira. Vazhinji vanhu vasingazivi nezvematambudziko vakapedzisa mitsva yakagadziriswa-nguva. Uye apo nguva yekutendeka yapera, zvakazoitika kuti Shipbuilding Bank haibhadhara mari uye haidzoki kuisa mari. Panguva iyoyo, nguva yekutonga yakanga yava kutoshanda.

Mitsva itsva

Zvibvumirano zvakaiswa pakubhadhara mari pasina mutemo wokutanga wokubhadhara: kubva kuATM - 40,000 rubles (kunyange ne Premium + banknote) uye 100,000 kune vamwe vatengi. Kune avo vaida kugamuchira mari yakawanda, zvaive zvakakosha kuita urongwa hwemabhiri zviuru makumi maviri pazuva. Panguva imwechete, vamiriri vebhangi vakataura kuti pane nguva dzose maitirwe ekubvisa mari. Ndizvo chete kuti miganhu yashanduka ikozvino. Muna 2013, pasina chikumbiro chekutanga, zvaive zvichibvira kubvisa ruble mamiriyoni 1. Muna 2014, chiyero ichi chakaderera nehafu, uye gore ra2015 chaive kakato 300 000 rubles.

Rating

Kutaura kwekuti bhangi iri kutarisana nematambudziko nehupfumi, kune vatengi vakawanda vaishamiswa zvakakwana. Pakazosvika gore ra2014, National National Agency yakapa sangano re "AA-". Pakupera kwegore, pamwe nemvumo yemutongi, mari yakaenzana yakawedzerwa kuburikidza nekushandurwa kwezvikwereti zvisiri pasi. MunaDisemba, kushingaira kunoshandiswa kwekuparadzira kwakaitwa kuitira kukohwa mari kune Sudostroitelny Bank. Kuvimbika kunongoratidzwa chete pakutanga kwegore ra2015 kwaderera kusvika kumazinga e "C". Asi kunyange zvakadaro mumasangano ehurumende pakanga pasina ruzivo pamusoro pekuputsa mumabasa. Saka, vanochengetedza uye vakawedzera zvibvumirano zvavo.

Vatengi vakamira kuti vadzivirirwe

Asingadi kugovera nechechi yekunakidzwa, vatengesi vakanyora tsamba kuBenic Bank vachikumbira kusaisa mari kubhengi. Mariri, maonero acho akaratidzirwa kuti matambudziko ehupfumi akamuka nekuda kwekudarika kwemari yenyika, kuwedzerwa kwekugadzirisa mari. Asi vatengi vanowanikwa havakwanise kutarisira kuchinja kwakadaro uye kuongorora njodzi dzavo. Mumamiriro ezvinhu akadaro anogona kuva chero zvikwereti zvekwereti zvenyika. Hazvifaniri kuisvibisa. Asi zviyero izvi hazvina kushanda.

Kuraira reisensi

Musi waFebruary 16, 2015, zvinyorwa zvakaonekwa kuti zvakanga zvisingakwanisi kusanganisira DIA kuitira kuvandudzwa kwesangano maererano nemitemo yakakodzera. Nokudaro, chisarudzo chakaitwa kuti chibvise Sudostroitelny Bank kubva pamusika. Ivhareji yakabviswa pazuva rimwe chete.

Zvinokonzera

Maererano neCentral Bank, sangano raiva nehupfumi hwehupfumi, sezvo mari yakagamuchirwa kubva kune mumwe munhu yakaiswa mari isina kururama. Izvi zvakakonzera kukanganisa kwakakwana kwemari uye kukundikana kuzadzisa zvikwereti kune vane chikwereti. Uyezve, bhagheni yakapa mhinduro dzisina kuvimbika, dzakavanza matambudziko aripo. Vadzidzisi vacho havana kuedza kuvandudza mamiriro acho ezvinhu.

Chirongwa chemazuva mazhinji chaive chichibatanidza kushingaira mune zvekubhadharisa zvekubhadhara pamatengesi ezvitoro (Moscow). Sudostroitelny Bank kaviri yakakundikana kuzadzisa zvido zvayo munaJanuary 2015. Iko chikwereti chakakwana chaive chinopfuura 2 biliyoni rubles. Nemhaka yedambudziko rezvemari, zvivimbiso izvo mari yacho yakaiswa mari zvakaderera. Ikoko kwaiva nechekudanidzira: bhabheni raisakwanisa kupa mari uye mari kuBentral Bank. Nemhaka yematambudziko akadaro muna 2008, Svyaz-Bank yakagadziriswa, uye "KIT-finance" yakasvibiswa.

Mushure mokunge mazita ekumhanya, matambudziko mu LLC CB Sudostroitelny Bank akangowedzerwa, zvipupuriro zvevatengi zvinosimbisa kuti makambani akaedza kudzorera mari yacho. Kuchinja kwakashandura mafungiro ayo kune chikwata chinyararire, sezvo bhengi rakabudisa chikamu chemadhora uye kwenguva yakareba zvikwereti kune masangano edzimhosva, uye kudhura kwechikwata chechikwata chekwereti. Zvaisakwanisika kuisa mutengo wemari kubva kune kuwedzera kwemari kune zvikwereti.

Vamiririri vebhangi vanopokana kuti matambudziko akamuka nekuda kwekuvandudzirwa kwehurumende yemari yezvikwereti. Musi waDecember 16, BZZ zvisungo pamwe nekukura muna 2028 zvakarashika 53% muzuva, uye mberi (December 2019) - kusvika kune 65.1%. Maererano nedzimwe sarudzo, kuwedzera kwemari kuCentral Bank kwakasvika kune mabhiriyoni maviri ebhururi. Zvose mabhangi anoshandisa piramidi ye REPO akabatanidzwa panguva imwechete nezvinetso zviviri: kusimudza chiyero cheCBR uye kuwedzera chibvumirano chekutsinhana. Kunyanya, iyo Shipbuilding Bank 12% yematambudziko yakakwezva kune zvivimbiso.

Pasi pemutemo, kana bhangi risingakwanisi kusangana nezvikwereti zvikwereti mukati memavhiki maviri, Central Bank ingadzorera reisense. Iyo, chaizvoizvo, yakaitika.

Kudzorerwa kwemari

Chikepe chekugadzira ngarava, iyo matambudziko akanga asingakwanisi kugadzirisa, ichasvibiswa mukati memakore maviri. Mari yekutanga kune vanoisa mari yakatanga musi waMarch 2. Sezvo bhanhire rakabatanidzwa muhomwe ye inshuwarisi system, vatengi vanogona kugamuchira demo 100%, kunze kwekuti muwandu wayo, uchifunga nezvekufarira, hawupfuri mamiriyoni 1,1 rubles. Chokutanga pane zvose, mari yevanhu pachavo ichadzorerwa. Izvo zviyero zvose zvemabhadharo ndeye 21.8 mabhiriyoni rubles.

Mhedziso

Pakupera kwa2014, Sudostroitelny Bank yakasangana nematambudziko nehupfumi. Somugumisiro, nhoroondo dzemasangano akawanda epamutemo uye IPs dzaive dzakaoma. Pamusana pehurombo hwakanaka hwehukwereti hwekwereti, zvakanga zvisingakwanisi kudzorera mamiriro acho pachako. Uye Central Bank yakaramba kuchenesa nzvimbo yacho.