Banki "National Mawu": mavuto. Banki "National Mawu" chatsekedwa?

Banki "National Mawu", vuto limene wafika pachimake 2014, anakhazikitsidwa mu 1993. dzina lake loyamba "Shark" ndi kale pa "ngongole National" linasintha mu 2000. Back mu 2008, bungwe ndalama ali anapita ndondomeko mawonekedwe malamulo a kusintha. Limited udindo modernized olowa katundu kampani mu 2009. Mu December 2010, "Mawu a anthu" Bank, amene poyamba yokha ndemanga zabwino, amamuonera 25% "Bank of Khakassia." Patapita nthawi, chiwerengero cha magawo linawonjezeka kuti 76%. Ndi 2011, Khakassia chilolezo bungwe ndalama mokwanira zimafika mogwirizana ndi pophatikizana a. Banki "National Mawu", mavuto anayamba chifukwa cha liquidity otsika, olamulidwa banja Antonov.

ulemerero m'mbuyomu

The Bank wagwira ntchito chiphatso Bank Central ndi anali bwenzi wa Moscow. The bungwe chuma anali membala wa Association of Russian Banks ndi nyumba ophunzira Gawo Insurance. Yololedwa mwalamulo gawo likulu la kampani anali biliyoni 1.8 rubles. Kuchuluka kwa likulu kusasiyana anali wofanana $ biliyoni 4.2. The Institute anali udindo wa membala Mnzake wa mayiko machitidwe malipiro Visa Inc. ndipo MasterCard ww. Poyamba, bungwe mlingo wakhala anatsimikizira solvency wa bungwe ndipo anapereka kwa gulu A malinga ndi mtundu wonsewo.

Mu zaka ziwiri kusanachitike iwo anayamba kuoneka inati "ngongole Anthu" banki chatsekedwa, bungwe anali kupereka "Financial Olympus". Mu dongosolo dera maukonde inkakhala nthambi 9 chachikulu ndi 35 maofesi zina. Institute of History nthawi zina analibe ngakhale anamenyera mtima pa dziko. Zolimba ngongole mfundo ogwirizana kwambiri nthawi analola kuwafika liquidity kwambiri.

Kodi chinachitika ndi banki zisakuyenda

Mu otsiriza chaka cha ndalama bungwe kugwira ntchito malangizo a Bank wa Central, omwe okha nkhani ya madipoziti anthu. dongosolo ili analandiridwa mu July 2013. Komanso, kuwonjezera pa zofooka za Bank ku Central la Chitaganya cha Russia mpofunikila kuti yambitsa nkhokwe zonse kuti akwaniritse udindo wake kwa depositors. Akunena chakuti kosamalira ndalama yokha sanayambe anathamangitsa mfundo ndi mwamakani kukopa madipoziti. kukhwimitsa Atengedwa chifukwa cha liquidity otsika a m'banja.

The chizindikiro choyamba mavuto

The wonongeka choyamba chinali chifukwa chakuti "National Mawu" Bank anayamba amvekere madipoziti kunja malamulo. Pamene ndalama anayamba kufika kwa madipoziti wawo, anali kuuzidwa za malire tsiku la Institute kuchuluka kwa rubles 25 chikwi. Anthu sanathe kupeza manja anu pa zonse ndalama tsiku lina. Tinkayenda milungu. Komabe, poyerekeza ndi mabungwe ena azachuma, omwe palimodzi anakana kuchita malipirowo, madzulo a bankirapuse "ngongole Anthu" ndemanga banki amene nthawi zonse anali apamtima zabwino, pafupifupi kwathunthu anamvera udindo wake. Ngakhale vutoli, ndodo pakati kuitana zonse anayankha mafunso onse ndi kupereka mumve zambiri aliyense kasitomala. Popewa n'kugwa chuma, ogwira ntchito ku banki mowirikiza awadziwitse makasitomala kuti ena malipiro ali yimitsidwa, ndipo ambiri a nkhani si amapereka.

Kuyesa athetse vutoli

Pofuna kuthetsa vuto la JSC "Bank" Mawu a National "akuyesera kuonjezera liquidity ndi kutsitsa mitengo chiwongoladzanja pa ngongole. Pulogalamu "Anthu" wakhala amazipanga angagulidwe. Pamaso pa ina kapena guarantor chiwongola dzanja pa ngongole chaka chimodzi chinali 16%. Pamene nthawi ya ngongole kwa chaka chimodzi mpaka zaka zitatu, chiwongola dzanja kuti kukhala wolingana 17% pa annum. Ngati nthawi ngongole ndi zaka zoposa zitatu, mlingo pa izo kutumikiridwa pa mlingo wa 18%. Ngongole komanso zilipo kwa makasitomala amene alibe ina iliyonse kapena guarantor. Komabe, mu nkhani iyi, ndi chiwongola dzanja anakonzeka 18%. Mukamapereka mgwirizano 1 chaka zaka zitatu, chiwongola dzanja adzakhala 19% pa annum. Ngati kasitomala waganiza kutenga ngongole kwa zaka zisanu, ndi chidwi pa ngongole idzakhala 20%. Kutsatsa zinthu mu maudindo onse, kuphatikizapo mu mzinda ngati Abakan. Banki "National Mawu" sanali kupulumutsa ngakhale kusankha wosimidwa: ndi liquidity zinthu sanasinthe.

Limene posankha zochita za liquidation wa Chiphatso?

Chigamulo pa liquidation chiphatsocho linapangidwa pamaziko a mbiri latsopano utsogoleli. mudziwe ananena kuti "National Mawu" banki ndi mavuto si yaing'ono mwachibale kwa liquidity kuchepa kwa 50%, ndipo nthawi liquidity chiŵerengero zaka 15%. The bungwe ndalama ali sizinaikidwe thandizo boma mogwirizana ndi chakuti nthawi unachitikira nkhani ndi ndalama, akufuna chopereka kuchuluka kwa $ 100 miliyoni.

Chiyambi cha mapeto

Pambuyo chiphaso mauthenga a makasitomala NBU a JSC "Bank" National Mawu "kulephera kukwaniritsa udindo wake, utsogoleli wogwirizira anaikidwa ku bungwe ndalama. Kuyambira October 1, 2014, utsogoleli wogwirizira anachita kusanthula ndalama zimenezi. Pa kutayiratu chinalembedwa pasadakhale likulu patokha. Anaganiza kuti n'zosatheka kubwezeretsa solvency dongosolo, ndi kulowetsedwa aliyense ku boma n'zosamveka. Zotsatira za kuwunika kwa zinthu Provisional Authority anakhala amphamvu maziko a kuchotsedwa ntchito za bungwe la ndalama monga "National Mawu" Bank. Revocable chilolezo Koma ngati pamene bungwe ndi sanathenso ngakhale ndi chithandizo chochokera ku boma kuchita chaka onse udindo wake kwa depositors ndi angongole. zinthu ndendende kutsatira malamulo.

Jobs kamukamu ndi mtima wofunitsitsa

Chikadzangotha liquidity wanzeru "National Mawu" Bank anayamba mavuto si yaing'ono, ngakhale conservatism kuchita akamagwiritsa ntchito yokonza nyumba ndi zofunikira anthu ntchito. Ngongole kwa anthu nkhani% 3 yekha wa mbiri ngongoleyo, chuma lalikulu ndi gawo la 70%. Pa ndalama za anthu nkhani% 23 chabe ngongole. Yotsalira ndalama nkhani makampani nkhani% 22 okha mwa likulu. The magawo ndi zolemba za mabanki zoweta nkhani% 19 okha a chuma ukonde. Interbank bungwe zinthu zambiri, zinthu ngati mwiniwake. Ndi digiri yapamwamba ya ndende ya chuma ndi ngongole ya ntchito ogwira anali otsika profitability.

The kuchepa

Malinga ndi kafukufuku ku National Mavoti Agency, "National Mawu" Bank revokes ziphatso amene chifukwa liquidity otsika mu 2010 phindu ukonde wa rubles miliyoni 20,9. Mu chaka chatha chithunzi ichi linali lalikulu kwambiri ndipo anakwana rubles miliyoni 107,2. Zimenezi adatchithisira banki chifukwa 149 udindo mu kusanja, ndi chidwi wa Agency Insurance Gawo. Kuchepa anati mu maudindo onse ndi nthambi zazing'ono, anali nazonso ndi mzinda wa Abakan. Banki "National Mawu" anayamba kupereka pansi, ngakhale kunja kanthu zizindikiro za vuto.

Imayenera akamaliza nkhani

Banki "National Mawu" chatsekedwa popanda chifukwa. Kuwonjezera pa kupanda liquidity, utsogoleli wogwirizira waphunzira kuti mtengo wa katundu bungwe ndalama si oposa 14,121 rubles. Pankhani ya wosamalira depositors ndi angongole, iwo chifukwa cha pafupifupi 16 miliyoni 854,8 rubles. chifukwa zikusiyana izi wabisika kuti apereke kuyambirira sanali kuchita ngongole yomwe anakwana rubles biliyoni 10,2. Komanso, mfundo chinalembedwa kugula promissory zolemba illiquid kuchuluka kwa rubles biliyoni 1.8 ku makampani amene maadiresi zalembedwa mu zolemba alibe zizigwirizana zenizeni. Pakhala khalidwe la katundu wa bungwe ndalama kuchuluka kwa rubles biliyoni 0.2. Ku yang'anira anadziŵa kuti kasamalidwe imachitika ntchito zawo chigawenga. The chifukwa cha mwai izi ndi zoposa zoonekeratu, ndi zina zabwino zomwe zikuchitika sayenera amaganizira. Ngakhale kuti ambiri a ndalama kumbuyo ndalama zawo ku mbali, ikhala ambiri ndithu amene imfa kuti angalipirire bungwe inshuwalansi mu mode akuchipatala cha lamulo.