Terra Bank: maonero evatengi, maitiro. Terra Bank: zvinetso

Usati wasvika kubhangi, munhu mumwe nomumwe anodzidza zvakadzama pamusoro pake mhinduro. Terra Bank ndeimwe yehurumende yeUkraine yezvemari, iyo ichangobva kufarira varairidzi. Nhasi, kufanana nedzimwe dzakawanda dzakadaro, hurumende iri kutarisana nedambudziko, uye kutaura pachena, iri pamucheto wekubhadhara.

Ngatidzokerei kune zvakaitika kare

Mhinduro dzakanaka, Terra Bank, iyo inosangana kakawanda, yakazadza Indaneti panguva iyo imwe yezvemari yakatora nzvimbo ye16 munzvimbo yeNBU uye yaiva nhengo yeboka rechitatu rezvemari. Gwaro rakagadzwa rebhangi raiva rakaenzana ne 557 141 000 hryvnia. Nokuda kwekupedzisira kubudirira kwekubika, nguva yezvemari yakaratidza kubatsirwa kweUAH 1,107 892. Nhamba yemari inowanikwa muNetero yaiva 71 787 hryvnia. Maererano neyeklasi yeiyo genre, yakatove yakatangwa mune imwe nzvimbo yakadai seTerra Bank, iyo yenguva yekutonga. Chirongwa chakave chakanga chiri chegumi nematanhatu pachirongwa, izvo nyika yakatora matanho makuru. Zvakakosha kutaura nezvekuti vana vana ve sangano vakashandura pamusoro pemakore mana apfuura. Vagari vaviri vekupedzisira vakashandisa sangano rezvemari chete nokuda kwechinangwa chekubvisa mari, iyo yakakwezva kune varairidzi pamitengo yepamusoro yepamusoro.

Zvinhu zvose zviri kuchinja

Pakutanga kubudirira uye kubudirira "Terra Bank" (Kiev), iyo munaJuly 2014 yakanga isirizve ye16, asi makumi maviri nemakumi mana muNBU yero, yakanga yatotanga kuziviswa kuti inopomerwa musi waAugust 22. Pashure pacho, Dhipatimendi Guarantee Fund yakasarudza kuzivisa hurumende kutungamirirwa mune imwe nzvimbo kwemwedzi mitatu. Munguva imwecheteyo, kutsvaga kushingaira kwevatengesi kwakatanga. Mabasa akadaro aive nemugumisiro wekukura kukuru kwevasingadi vatengi. Vanhu vakanyora kunyora zviyero kune imwe nzvimbo yezvemari uye vakanyunyutira kune zviremera zvakasiyana-siyana maererano nekuti bhangi rinoputsa zvakanyanya mutemo uye hairi kuzadzikisa zvarinosungirwa kuti vaise.

Kuchinja hutungamiri ndiro danho rekutanga kune kutadza

Mushure mokunge waiswa mune imwe nzvimbo yakadai seTerra Bank, iyo yenguva yekutungamira, nhoroondo yakareba uye inofadza zvikuru yekushandurwa kwevadzidzisi yakazovapo kuvanhu. Pakutanga, nzvimbo yezvemari yakanzi "Invest-Kryvbas Bank", yakagadzwa muna 1995 munharaunda yeKrivoy Rog. Pashure pemakore gumi, muna 2005, sangano rakagamuchira zita idzva - "Invest-Credit Bank". Uye muna 2007 mari yezvemari yakaonekwa pamberi pevanhu nenzira iyo inoiziva nayo nhasi. Kuchinja kwekupedzisira kwezita rebhangi kwakatangwa nemudzidzi wayo mutsva, uyo aiva mutungamiriri weNhepfenyuro yeOschadbank Kolobov, pamwe chete naye akashanda Prikhodko naDavidenko. Nzvimbo yeachigaro webhodhi yakaenda kuSergei Shcherbin. Maererano naye, vatsigiri havana kutanga vane urongwa hwekusimbiswa kwemari yezvemangwana. Vangoda kutora chikwata kuvakuru veUkraine nechinangwa chekutsvaga kwayo zvakare. Kubudirira kwekushanda kwebhizimisi kwakaitwa kunze kwekugovana-stock assets, chete pamutengo webatsiro.

Sei vanhu vakawanda vasina hanya nevarimi?

Mhinduro dzisina kunaka, "Terra Bank" iyo yakaonekwa sechirongwa chisina kuzadzisa zvaidiwa, yakadururwa kubva kumativi ose. Ndeipi iyo nzvimbo yezvemari ine vatengi vakawanda, kana pakutanga iyo yakatarisa kushanda mabhizimisi chete kubva Krivoy Rog? Mamiriro acho anotsanangurwa nechokwadi chokuti muna 2007 kambani yakatamirwa kuKiei, matavi awo akazarurwa mumaguta akadai seDnepropetrovsk neOdessa, Kherson naLviv, mune vamwe. Pakazara maiva nemapazi 21. Muedzo wokutanga wokutengesa imwe nhengo yekare yakagadzirwa yakagadzirwa muna 2009. Kugadziriswa muzvirongwa zvakagadzira dambudziko rese re 2008. The deal yakatengeswa muna 2010 chete. Kuchinja kwehutungamiri kwaifambidzana nekubudirira kushingaira kwechirongwa. Kutenda Kirill Shevchenko naVadim Kopylov, iyo Imiti yeIzivo yakakura kusvika ku 1.4 biliyoni hryvnia. Mukutanga kwegore ra2012, guta guru renzvimbo yacho rakanga rakaenzana ne2,9 biliyoni hryvnia. Hapana chakapupurira kuti mumakore mashomanana anotevera kuchava nemishumo yokuti "Terra Bank" haidzose mari yacho.

Dzokororazve kaviri

Mamiriro ezvinhu akanaka ekufambiswa kwebhizimisi haana kuramba kwenguva refu. Iko kare muna 2012 uye muna 2013 bhengi rakadzorerwa kaviri. Nhoroondo yerima yakabatana naTsyplakov, mumwe wevashandi vekupedzisira vesangano. Kugadzikana kwezvemari kwakaiswa pangozi apo sangano rakabudisa chikwereti kune rimwe remabhizimusi emabhizimisi muhuwandu hwemamiriyoni makumi mana. Pakanga pane runyerekupe kuti mari yebhizimisi yakashandiswa kunze kwekudhura kwevanhu vanoisa mari. Chikwereti chakanga chisati chabhadharwa, zvichida, muridzi webhangi akamukanganwira. Pamwedzi yekupedzisira yebasa rakaoma rebhangi, akakwezva vese vashandi, achivapa dhipatimendi nehuwandu hwe 26.5%, iyo yakareba zvikuru kudarika muvhareji wepakati pamusika. Apo nguva yekubatana nevekuisa mari yakazopera, bhangi "Terra" rakaramba kupa mari.

Avalanche yemhinduro dzisina kunaka

Ruzivo pamusoro pekukundikana rwakapararira nokukurumidza munharaunda, uye vanhu vakakurumidza kupedza chibvumirano ndokubvisa mari yavo. Somugumisiro, pakanga pane kubuda kwemari. Nhamba yakawanda yevhiringidziki yakavharidzirwa inokonzerwawo nekuti Terra Bank, iyo matambudziko ayo akatanga gore rakapfuura, yakagadzirisa ukama hwehukama neyunivhesiti yenharaunda yenyika. Panyaya dzevatengi vakwezva kubva kune chikamu ichi, maererano nekufungidzira kwekutanga, kune mamiriyoni makumi mashanu emadhora. Nenguva yekukanda kwese kwenyaya, chikamu cheUAH 2.5 mamiriyoni chakasara pavari.

Matambudziko okutanga uye kuedza kuchengeta ngarava inonyura

Apo maongorudzo asina kunaka akaiswa panzvimbo yezvemari kubva kumativi ose, Terra Bank yakatora nzvimbo inofadza, iyo yakaratidza zvakajeka kuti vatungamiri vaiedza kubudisa mari nenzira dzose. Mukufananidza nekushambadzira kushingaira kwezvinyorwa zvinobatsira zvikuru, kusvika panguva yekuiswa kwehurongwa hwenguva pfupi uye huri kushanda pabasa mukati memusangano wevadzidzisi neNBU, kushandiswa kushanda kune mabhizinesi kwakaitwa. Kuwedzerwa kwakasimba kwekwereti yemari yezvikwereti kwakaitwa kunze kwekudhura kwevatengesi vashoma. Inofanira kurehwa kuti chikwereti chemamiriyoni mazana emamiriyoni emadhora chakagamuchirwa nemakambani ane gwaro rakagamuchirwa kusvika kune zana remamiriyoni hryvnia. Kubudirira kwekubhadhara kwavo kunogona kutorwa nyore nyore mubvunzo. Kutaura zvakawanda, vatengi vakadaro vebhangi seyo kambani "VVS-Factoring" uye "Trajectory", "Best Course" nevamwe vazhinji, kwete chete vasina mari yakawanda muhuwandu hwezvikwereti zvakabudiswa, vakanga vasina nzira yekuita nayo mari yekuisa mari . Apo imba yedare guru raiva Krivoy Rog, Terra Bank yakaita tariro huru. Nhasi yakava chigadzirwa chekushandisa mari, kunyange zvazvo yakanga isiri yepamutemo inogona kuiratidza.

Chii chakanga chakavanzika kubva kuvanhu?

Maererano nemahofisi ehurumende, dambudziko rekutanga mubhangi rakanyorwa kare muna 2013. Munguva iyi, kurasikirwa kwekushanda kwakasvika kuUAH Mamiriyoni 22 pamwedzi. Zvinoshamisa kuti pamagumo egore purogiramu yose yekambani yaiva mamiriyoni 1,7 hryvnia. Dambudziko nderekuti mari yekushambadzira kwekuita mari yakanga isiri yechokwadi. MunaMuvhuro, National Bank yeUkraine yakagadzira mari mu "Terra Bank", iyo inoshandiswa pakutsinhanisa iyo yakasiyana zvakasiyana nemagariro emakwikwi. Izwi re refinancing rakasvika kusvika mamiriyoni 77 hryvnia. Panguva imwecheteyo, bhangi rakaedza nguva dzose kusati kwasvika sarudzo dzenguva pfupi kubhadhara chikwereti kunyika. Kunyangwe kusati kwasvika kuiswa kwehutungamiri, vashandi vekutarisira vakagadziridzwa zvakare. Inenge dzose nhengo dzebhodhi dzakadzingwa. Kuedza kutengesa dare rezvemari kusvika kune dambudziko rakanga risina kubudirira.

Chii chandinofanira kuita?

Chikonzero chikuru chezvinetso zvebhangi ndezvekubudiswa kwezvikwereti zvisingabhadharwi kumakambani akabatanidzwa. Maererano neanodzingwa mubhizimisi webhangi, yezvikwereti zvemamiriyoni 320 anopiwa, makumi masere chete anodzokorora. Iwe unogona kungokanganwa pamusoro pezvimwe zvose. Zvinonakidza zvakare kuti makambani akanzi akange aenda zvachose. Vakawanda kunyange vasina pfuma yavo paInternet. Mahofisi akanyorwa akanyorwa pakunyorwa kwemagwaro, haasipo. Uye mamwe makambani akanyoreswa pakero imwe chete. Unofunga urongwa hwemanyengeri pamusoro pechiso. NBU, kuitira kuti nenzira imwe neimwe ibvise mari yevatengi, inofanira kutora matanho anoshanda. Pano iyi mubvunzo wekuona kutengesa sekusakosha nekuda kwekuwedzerwa kwechikwereti chekwereti kana nekuda kwekushaikwa kwekuchengeteka kwakakwana kune zvikwereti zvinokwereta. I IMF nehurongwa hwesimiridzo inofanira kushanda pamwe chete kuti igadzirise nyaya yekubhadhara vatengesi.

Mamiriro acho achagadziriswa na Crystalbank here?

Mushure mekunyatsotsvakurudza nezvemamiriro acho ezvinhu, zvakagadziriswa kuumba shinje yemari yemari "Crystalbank", iyo mune ramangwana inofanira kubvisa zvikanganiso zvehutungamiri hweTra Bank. Iyo purogiramu inoshandiswa pasi pesangano reChikwama Chekuchengetedzwa KwemaDosititi evanhu , izvo zvinopa tariro yekuisa mari yavo kudzorera mari yavo. Mune simba guru reTransitional Institute FGVFL rakataurira nezve 1.522 mamiriyoni pasi kubhadhara depositors. Iyi mari iripo kare muna 2015 inofanira kudzorerwa zvizere. Iri purogiramu isiri itsva kuneUkraine uye yakazoguma yakaitika iri mubvunzo. Zvinongozivikanwa chete kuti vazhinji vevashandi vari kubvuma zvipo zvavo, kunyange kunze kwemitemo. Kubudirira kwekushanda kwechirongwa chekugadzirisa zvemari kuchasimbisa kuti vanhu vose vachazadzikisa zvisungo zvavo kusvika pakupera kwa2015. Nenzira yakawanda, FGVFL inotsigira mabhangi anenge makumi mashanu, saka huwandu hwevashandi vane mukana wekuwana mari yavo.