Bank "Delta Mawu": ndemanga. "Delta Mawu" (Bank) nthambi, maadiresi, maganizo kasitomala

Mwa atsogoleri Russian msika mu gawo la kubweza kukongoza - banki "Delta Mawu". Ngakhale unyamata wake wachibale, bungwe ili ndalama anatha Mokhumbira ndithu mu dera la ntchito yake. Chifukwa chimene ubwino mpikisano wa banki kuchita izo? ndi mbali ya mapulogalamu kubweza anapereka ndi "Delta Mawu" n'chiyani? ndi njira chidwi cha anzake a banki ndi ogula chiyani?

Za banki

"Delta Mawu" malonda Bank (DeltaCredit) imatengedwa kukhala oyamba mu ngongole Russian ndi mabungwe ena azachuma okhazikika mu msika kubweza. Ngakhale mabungwe ena ambiri akuyesetsa kupereka makasitomala kuposa china chiwerengero cha misonkhano, DeltaCredit tikukamba makamaka pa msika nyumba ngongole. Osati kwambiri mu Russia ngati ngongole ndi ndalama mabungwe apadera, monga "Delta Mawu Bank". Ogula ngongole mmenemo sungagulire, koma osiyanasiyana mungachite kuti kubweza kumeneko.

Mfundo yoyamba pa kukhazikitsa ma kubweza banki analembedwa mu 1998, pamene gawo lolingana msika yekha anayamba kutuluka. Komabe, yogwira banki DeltaCredit mu Russia anayamba yekha mu 2001. Mogwirizana ndi akatswiri ena otsata ndemanga, "Delta Mawu" - banki ndi zabwino ngongole mlingo. Chinthu ichi n'zofunika mawu a anzake, mwachitsanzo, ndi Bank ku Central ndi mabungwe ena azachuma yachilendo.

Pophatikizana ndi ziŵalo

Monga momwe taonera pamwambapa, mu 2001, "Delta Mawu," kubweza banki, anayamba kugwira ntchito mu dziko lathu. Iwo anali olumikizidwa ndi chakuti mayamwidwe kapangidwe likulu la chinenero banki bungwe ndalama - JP Morgan. zaka 4 Patapita DeltaCredit magawo anali kwathunthu yotengedwa ndi gulu ndalama "Societe Generale". Malinga ndi akatswiri ena, ndi pophatikizana a banki ndi yaikulu European player a msika makamaka anakonzeratu DeltaCredit yogwira kuwonjezeka pa Russian kubweza msika. Pa kutaya kapangidwe ali kwambiri kuchuluka kwa chuma, "Societe Generale" zimene zinachitikira kasamalidwe ndi kulankhulana ndi osewera lalikulu ndalama Europe.

Kwa nthawi yaitali ngongole bungwe ntchito ngati CJSC "Delta Mawu". banki Komabe, kubweretsa dzina lake mu mzere ndi likusintha malamulo RF. chakuti mitundu ina ya ntchito monga kampani ndipo OJSC tsopano anathetsa. Tsopano, ngati munthu kapena gulu lina, kuphatikizapo magombe, akugwira ntchito ndi opereka magawo, dzina likhoza kumveka ngati SA.

Banki ndi msika

The kubweza msika mu Russia ikukula likunena mu zaka zingapo zapitazi. Mwachitsanzo, mu 2013, revenues mu gawo ili chinawonjezeka ndi oposa 31% poyerekeza ndi mafanizo 2012. Buku okwana ngongole wakhala kuposa thililiyoni 1.35. rubles, kuchuluka kwa ngongole -. mayunitsi oposa 800 zikwi .. Komanso, ambiri anakana voliyumu ya ngongole overdue - pakuti anakwana 2,04% pofika cha 2013.

Akatswiri "Delta Mawu," amayembekezera kuti kumapeto a 2014 kubweza msika mu Russia chidzakula pafupifupi 15%, mu mawu mtengo, voliyumu yake adzakhala upambana thililiyoni 1.5. pakani. Makamaka yogwira timayenera kukula mu gawo la nyumba yatsopano - mphamvu zokhudzana monga Bank akatswiri amakhulupirira, adzakhala 35%. gawo Izi kukhala wa zinthu kiyi wa kubweza msika mu Russia. Ndipo osati chifukwa cha wamkulu, nthawi zambiri watsopano kunyumba kugula chikoka poyerekeza ndi sekondale. chakuti Russia kuganizira ndalama ku nyumba zatsopano pofuna kupulumutsa ndalama mu mawonekedwe a mphamvu kugula. Ruble - ndalama si wosiyana mu atsopano nthawi khola. Ngakhale malo msika lonse amakhala ndi kukula asathe. Ndalama ku nyumba yatsopano - wokongola chiyembekezo anthu ambiri la Russia.

Pa nthawi yomweyo, m'madera ena, kufunika ndi anatinso mu "nyumba yachiwiri." chakuti mabanja ambiri amaona kufunika kusamukira ku nyumba yatsopano pa tsiku oyambirira. Iwo alibe nthawi kudikira mapeto nyumba zatchatchatcha, ndipo makamaka pa nthawi yomweyo kuti amalizitse ngongole. Komanso, ambiri ku Russia ndi kugula nyumba si kwambiri kuti moyo mwa iwo, ndi kwa pangano wotsatira ndi kutembenuka mu wodalirika madzi. Chifukwa chaichi, kugula nyumba yatsopano Sikuti: n'zotheka kuti aganyali mu nyumba khalidwe m'dera wabwino wa mzinda, ngakhale kwake yachiwiri gawo nyumba.

kapangidwe maukonde

"Delta Mawu" - ndi kubweza banki, amene umagwira ntchito Russia, onse mkati maukonde yake maofesi ndi njira kupalasa njinga okondedwa. Tsopano izi bungwe ndalama - atsogoleri mawu a ngongole kubweza, ndiponso m'njira zambiri udindo uwu, akatswiri amanena, banki chifukwa cha zomangamanga dongosolo bwino mogwirizana ndi mabungwe ena ntchito mu gawo lapansi.

"Delta Mawu" - nthambi banki ukufanizidwa m'mizinda ikuluikulu Russia: Moscow (St. Moss, 7.), St. Petersburg (Nevsky Chiyembekezo, 114-116), Kazan (Ostrowski, 87). Nayenso kapangidwe mgwirizano alipo m'madera ambiri.

Zocitika za "Delta Mawu" mu mawerengero

The zolemeletsedwa pafupifupi mtengo pa ngongole kubweza mu "Delta Mawu" zimadalira dera la banki. Mu Nizhny Novgorod Mwachitsanzo, mu 2013 zinali 12,4% mu RUR (ndilo zoposa pang'ono mu 2012) ndi 9,6% mu ndalama zakunja (zimene pamapeto, poyerekeza ndi chaka chatha) . Chifukwa chakuti mu 2014 Bank ku Central kuchuluka kwake mlingo kiyi chidwi, akatswiri kuyembekezera kukula patsogolo mu zinthu ziwalo ngongole anapereka mabanki Russian. "Delta Mawu" angakhale nazonso zokhudza kukuchititsa zimenezi.

Wapakati kukula kwa ngongole kubweza mu "Delta Mawu" - zizindikiro amene amadalira kwambiri pamaso pa gombe m'chigawochi. Ngati ifenso kutenga Mwachitsanzo, Nizhny Novgorod, chithunzi lolingana mu 2013 anali pafupifupi 1 miliyoni. 357 zikwi. Pakani. Pa ambiri Russia - pang'ono, pafupifupi miliyoni 1,64 rubles .. Kumene, manambala adzakhala yosiyana ngati cholinga cha mizinda yayikulu kwambiri Russian, pamene pali banki "Delta Mawu" - Moscow. Koma ntchito iliyonse - ku likulu kapena Nizhny Novgorod - zokwanira kupereka chizindikiro zojambula za mphamvu ya msika: mwanjira ina chifukwa cha masoka okhalamo kanjedza kufufuma kwambiri.

mapulogalamu Loan

"Delta Mawu" amapereka Russian nzika mapulogalamu angapo lodziwika kubweza. Mavuto bungwe ili ndalama amapereka kuti apereke ngongole kunyumba, zambiri mofanana ndi maganizo atsogoleri ena a msika. Ngati ena mapulogalamu ngongole ndi ndalama yaikulu, nthawi kuchepetsa ndi kusanduka zofunika borrowers.

Pakati mbali ambiri otchuka amene zimaonetsa banki "Delta Mawu" - zanyumba kwakukulukulu ndalama. mankhwala ngongole ya mtundu anapereka bungwe, monga ulamuliro, yodziwika ndi mtengo wochepa. Koma pa nthawi yomweyo ndi chidwi depreciation wa ruble borrowers amavutika ndi kupereka ngongole.

Monga deta zingapo mwa zinthu pagulu, kuchuluka chonse cha ngongole kubweza ndalama zakunja ku Russia ndi wodzichepetsa - za 0,3% ya ngongole okwana. Chifukwa kusakhazikika kwa misika ndalama ya Russian Federation zanyumba kutchuka mu ndalama zambiri kukhala otsika mu zaka kudza.

Pali "Delta Mawu" wokongola umafuna zogwirizana ndi zosowa za mabanja achinyamata. Palinso nkhani mapulogalamu kuti kupereka mlingo wochepa kwambiri chifukwa msika Russian - 9,75%. Pali mwayi nyengo ya gombe, komanso mitundu yosiyanasiyana ya magawo limodzi ndi bwana kulandira ngongole pansi mitengo ya adatchithisira.

Mitundu ya nyumba, umene borrowers angathe kukhala "Delta Mawu" zosiyanasiyana. Kugula malo wonse kapena pang'onopang'ono. Purchase pa ngongole kukhala nyumba, zipinda, nyumba.

M'madera ena, pamaso pa "Delta Mawu" ndi mankhwala banki, ndinazolowera kufufuza wobwereka ndalama zofunika malipiro pa kugulira nyumba. N'zotheka ntchito, monga mabanki ena ambiri, likulu kholo monga gwero la ndalama pamene kugula nyumba.

Mogwirizana ndi makasitomala

Chimodzi mwa zofunika pa msika, amene zogwirizana aliyense amakono (kuphatikizapo "Delta Mawu"), banki - ndemanga kasitomala atalephera kutsatana mayankho ochokera kwambiri-banki ndalama bungwe. Mu nkhani ya banki pamaso pathu, titha kukonza chitsanzo chidwi kwambiri kukhazikitsa mabungwe zogwirizana muyezo izi. Makamaka, kachitidwe, umene kusiya onse Intaneti ndi olumikizidwa ku makina mayankho. "Delta Mawu" - banki kuti amapereka makasitomala kusiya maganizo anu mu mawonekedwe a kuwunika mitundu pepala m'maofesi, komanso kudzera mogwirizana ndi ogula kupyolera mu njira Intaneti. ndi mfundo ya malangizo chachiwiri cha ntchito chiyani?

Chiyankhulo ku mudzi pafupifupi (Integrated ndi mawonekedwe maganizo) ndi ophatikizidwa mu chida patsamba nyumba ya malo banki. Makasitomala a mabungwe a zachuma, ntchito iwo akhoza kusiya ndemanga zawo. "Delta Mawu" - banki kuti anachita, Choyamba, kuti omasukirana. Mlingo chomwa mudera ndi kochepa. Kuti, ngati vuto liri lenileni, si kulankhula banki. Kuyambira mfundo luso view, mogwirizana pakati pa "DeltaCredit" malonda akuyendera mokwanira yabwino.

ndi zinthu umenewu, umene Mzimuyo ake "Delta Mawu" n'chiyani? Bank (amakambirana ndodo udindo mogwirizana ndi makasitomala Intaneti akutitsimikizira izi) kwakukulukulu tikunena kuti tiyandikire yankho la mavuto a borrowers ake panopa kapena kuthekera ndi motsindika kutanthauzira a. Ie ayamikira kasamalidwe suthera ena mawu anenera: monga ulamuliro, ikuchitika kulimbikitsa kasitomala kukambirana ndi akuluakulu a banki mu mzinda makamaka kapena dera. Mwachitsanzo, ngati funso lililonse akufunsa ankakhala ku St. Petersburg ndi mzinda wapafupi, zikuoneka kuti yankho adzapatsidwa potengera makhalidwe a mudzi, pamene mozama "Delta Mawu Bank" - St. Petersburg kapena aliyense wa mzinda wa dera Leningrad. Mkhalidwe umenewu wa mogwirizana a dongosolo la ngongole ndi bungwe ndalama makasitomala chidwi ndi akatswiri ambiri ndi borrowers, kusiya maganizo anu ndi ndemanga pa kuwasindikiza zipata Intaneti kapena chuma thematic.

chidwi "Delta Mawu" analipira kuphunzitsa ogwira AIDS kulankhula ndi makasitomala. akatswiri Bank ali aiming kucheza ndi ogula mawu a mapangidwe anthu m'munsi zambiri, angathe kukopa borrowers ena. Mwanjira imeneyi, zingakhale zabwino iliyonse - kuphatikizapo zoipa - mayankho. "Delta Mawu" - banki kuti akhoza kuthetsa mavuto aakulu makasitomala panopa, kulenga chithunzi zabwino pamaso pa borrowers lapansi. mudziwe Public pa maganizo zipata Bank masewero, malinga ndi akatswiri, yofunika kwambiri kukopa borrowers latsopano. Mwachitsanzo, wosuta chidwi kubweza ndi "Delta Mawu" ndemanga banki Ndipo akupempha kwa ogula atsopano a misonkhano ndalama kuwasindikiza zipata akhoza kukhala waukulu chinthu yopangira chisankho mu mtima processing ngongole imatengedwa mu ngongole ndi dongosolo la zachuma.

Ntchito "Intaneti"

Kodi ntchito ndi makasitomala mu mode "Intaneti" banki amachitika ntchito? Ena akunena, mwachitsanzo, kuti polankhula ndi makasitomala pa Intaneti ntchito angapo akatswiri "Delta Mawu". Buku chachikulu cha ntchito anachita ndi dipatimenti banki a malonda, komanso matupi udindo za luso zopempha kasitomala. mmene amagwira wolunjika ntchito ogula banki kupyolera mu njira online, komanso khalidwe la kuthetsa vuto - zinthu zimene zimakhudza zizindikiro ntchito antchito banki mwa madera zogwirizana pa ntchito.

"Delta Mawu" - ndi maganizo banki kasitomala umene ndidaulandira pa Intaneti, kwa ogwira woyenera wa mabungwe zogwirizana. Pempho makamaka akufunitsitsa kopita chilli. N'zotheka ndithu, mwachitsanzo, kuti kasitomala adzatha kuyankha funso la wantchito wamba a dipatimenti malonda. Ngati chikaiko katswiri, izo patsogolo pempho loti bwana wanu. Ngati, nawonso, adzakhala amafuna nawo m'madipatimenti ena a banki - funso walangizidwa iwo. Kamodzi yankho woyenera idzakonzedwa, anapanga ndemanga pa bukhu la "Delta Mawu" a mmudzi pa Intaneti.

Kumene, pali zambiri "yovomerezeka" kwa pamsika, amene amapereka "Delta Mawu Bank": "Akaunti Yanga" kasitomala. Iwo wobwereka tingawadziwe mudziwe zambiri za mankhwala polzuemyh, tizim'pempha mu utumiki kasitomala thandizo ya gombe, kugwira ena wotuluka ndi malipiro. Akatswiri ambiri apeza mtundu uwu chida umene opambana "Delta Mawu Bank", "ofesi Private" kasitomala ntchito za bungwe la ndalama - mokwanira yabwino ndi zothandiza chida.

Reviews kasitomala: ziwerengero

zotsatira zake zopindulitsa mgwirizano ndi makasitomala gombe la pa Intaneti chiyani? Munthu angathe tchulani kanjedza, lofalitsidwa angapo magwero. Kuchokera February kwa August 2014, mwachitsanzo, mu "pafupifupi" banki m'dera "Delta Mawu" walenga mitu 700 wapadera anayambika ndi makasitomala. Panali oposa 1 zikwi. Comments. Panthaŵiyinso ammudzi anachezeredwa ndi pa 43 chikwi. Ogwiritsa Wapadera. Chiwerengero cha maganizo a zipata za kuposa 329 zikwi. Chiyankhulo chosiyanasiyana ammudzi, kuwonjezeka chitonthozo cha gwero ntchito. Makamaka, pamene kasitomala akuyamba kulemba ndemanga kapena mankhwala ikuchitika formulations autosubstitution motengera zomwe zikupezeka mu kufufuza injini mkati panopa kudziwa m'munsi. Chifukwa, munthu amene analemba pempho banki, akufotokoza akamanena za vuto ndi yolondola kwambiri ndi Mwina mkulu, ndipo nthawi zambiri kwathunthu okonzeka kupeza yankho la funso lanu. Mwachitsanzo, ngati munthu ali ndi chidwi chinachake kumene "Delta Mawu Bank" adiresi mu Moscow kapena St. Petersburg, izi dongosolo la zachuma, lili mwayi zonse kuti mupeze mfundo zoyenera Nawonso achichepere alipo.

Ziwerengero lofalitsidwa mu angapo akunena kuti pafupifupi 70% makasitomala banki ndi kuthetsa mavuto anakumana popanda kuitana thandizo desiki. Ndiko kupeza mayankho mu Nawonso achichepere kale anapanga.

Chinthu china chochititsa chidwi za "Delta Mawu a" dongosolo pafupifupi ndemanga - iwo ali osiyanasiyana options kulankhulana pakati makasitomala banki ya (osati ndi ogwira ntchito za bungwe ngongole). Monga tinaonera zingapo zopangira pafupifupi 12% ya mafunso ndi zoyikidwa ndi ogula misonkhano banki, "anatseka" chifukwa m'ndemanga za makasitomala ena.

borrowers 'ziyenera zimagwirira

Monga tanena kale, chigawo, amene imakhazikika mu banki "Delta Mawu" - ndi kubweza. Popeza mtundu wa ntchito chimafuna kugwirizana yaitali ndi makasitomala, solvency ziyenera ake i ayenera kukhala moyenera. Ndiko kuti, pa dzanja limodzi, banki tisalole ndi issuance wa ngongole kuti borrowers ndi magwero zokayikitsa ndalama ndipo zingakhale osakonzekera chilango okhwima ndalama. Pa zina - i wosamalitsa sayenera imfayo safuna kugwira ntchito ndi kuthekera bungwe kasitomala-banki ndalama.

Bank "Delta Mawu", ntchito motsogozedwa ndi mwachangu kuwongolera awo ngongole kugoletsa dongosolo. M'zaka zaposachedwapa, yomwenso pano aikidwa pa ndondomeko zochita zokha. Chigamulo chomaliza pa ngongole akadali amatenga anthu, koma ali nazo ndi multifactorial imagwera lipoti kuti kusanthula solvency munapangana, kupempha kubweza ndi mulamulo chokwanira. Imodzi mwa njira zimenezi, mwachitsanzo, kumaphatikizapo mankhwala, amene wakhala chifukwa cha kusakanikirana tonse CRM zigawo ndi machitidwe mawunikidwe aziwapatsa m'mphepete kudziwika zopangidwa Microsoft msinkhu, komanso zinasokoneza makompyuta awo "Delta Mawu" ndipo iwo amene amaperekedwa ndi mabungwe okondedwa.

Makina ndondomeko kupanga zisankho pa ntchito angathe kuonjezera zokolola wonse wa alonda ngongole ya gombe, kuchepetsa okhudzidwa ndalama ntchito, kusintha chitonthozo makasitomala okha, amene alibe yaitali kudikira zotsatira za kulingalira mafunso a. Onani kuti chuma cha ena mwa machitidwe ngongole kugoletsa akhoza kuchititsa ndi zibwenzi "Delta Mawu Bank". Mapulogalamu makasitomala awo akhoza kusanthula mu chimango cha ma aligorivimu makina.

yodzichitira dongosolo ntchito

Monga ulamuliro, dongosolo la ziwalo IT-mankhwala kumafuna Khadili m'njira ziwiri - zambiri mwachindunji za wobwereka ndi mfundo mozungulira za izo. Mwachitsanzo, mu njira yoyamba akhoza kuphunzira mwa ngongole mbiri ya mbadwa ya akuchitira makina a dongosolo mu ofesi yoyenera kapena zogwirizana Nawonso achichepere. Mtundu uwu wa pempho, kawirikawiri imagwira CRM-system (monga limodzi gawo zinchito za mankhwala). mudziwe sitipereka za wobwereka - khalidwe lomwe watsopano underwriting wotanganidwa ndi mabanki Russian. Mwa zinthu zimene angatengere mbali mu nkhani iyi - ziwerengero malipiro misonkhano, kupezeka kwa ndalama kwambiri, mfundo Intaneti geolocation mudziwe chikhalidwe. Onse mungachite izi, "Delta Mawu" angagwiritse ntchito zawo makina dongosolo ziyenera solvency wa borrowers.