"Finance ndi Mawu": mavuto. Reviews makasitomala banki

"Finance ndi Mawu" ndi mavuto kwa nthawi yaitali. Poyamba, iye anali mmodzi wa mabanki waukulu, ndipo masiku ano pafupifupi adatsikira ku mbiri. vuto ndi boma wakana kuthandiza ntchito za mabungwe a zachuma. Ndipo Bambo Zhevago ndi chilakolako kwambiri kuti nthawi mbisoweka. Wanzeru nkhani yaikulu msika chuma, yomwe inayamba mu 1990, pafupifupi unatha mu chaka cha 2014.

Patrimony, kapena Kodi Ufumu Zhevago

Dipatimenti ya "Finance ndi Mawu" chaka zapitazo bwinobwino ntchito pa dera la Ukraine, kutumikira zikwizikwi makasitomala apamwamba. Mbiri ya zimphona msika chuma inayamba mu 1990, pa nthawi imene Bank State wa USSR mayina kampani monga "Chiyukireniya malonda Bank of Cooperation Business". The eni watsopano wa bungwe anapereka bungwe chuma ndi dzina latsopano mu zaka 90. Mu nkhope ya oyambitsa latsopano pamene nthumwi za Chiyukireniya "zazikulu zisanu ndi ziwiri":

• Medvedchuk.
• Surkis abale.
• B. Zgurskaya.
• Yuri Karpenko.
• B. Gubsky.
• Yu Lyakh.

Iwo anali ndi chidwi ndi funso kumene kuika ndalama zawo kukhalabe imene anailandira, wakuyesetsana waukulu mwa piramidi ndalama otsiriza amatchedwa "Ometa 21". Ndicho chimene anabwera padziko lonse dziko, "Finance ndi Mawu", mutu umene anaganiza kuika Konstantin Zhevago, pamene basi mwana wasukulu.

Footwork

Kuyambira mphindi loyamba pali Baibulo kusinthidwa wa banki mutu wake anayamba kuchitapo kanthu, pogwiritsa ntchito njira kulenga pa kayendetsedwe ka zikuluzikulu dongosolo la zachuma. Today gombe, "Finance ndi Mawu" - zinatha, ndipo kale anali yaikulu wogula-doroguschih magawo ndi pamtengo zosiyanasiyana makampani Chiyukireniya. Management mabungwe angathe kukopa likulu lina. The Investor wotchuka anali I. achi Buckeye, amene anapanga chopereka kwambiri kuti kusintha kwa mabungwe zoweta mu mini-Switzerland. Pa dongosolo la zachuma nkhani za coexisted zopereka ndi adani ndale, ndi magulu mafakitale, ndi nyumba chigawenga ndi theka-chigawenga. Ngakhale wongokhala mabungwe mu dera onse, nawo osachepera mu malonda yapakati-gombe ndi ngongole chabe kwa anthu, iye akanakhoza nthawi zonse kukhala mkulu pa kusanja wa NBU. Pankhani banki "Ndalama ndi Mawu", mavuto anayamba ndi posachedwapa, mpaka bankirapuse analibe ndemanga zoipa ndi mawu.

The mavuto loyamba

Ndi mavuto oyamba anakumana ndi mabungwe akuluakulu a zachuma mu theka lachiwiri la 2008. Inali nthawi imeneyi Ukraine ali adagulung'undisa funde la mavutowo. Pa nthawi imeneyi, gombe, "Finance ndi Mawu" motsogoleledwa Zhevago chasanduka mu malonda dongosolo lililonse, amene anali CEO gulu. Amaphatikiza makampani zosachepera 60 mabizinezi. Ndi mabungwe awa Zhevago ndipo anali ogula waukulu makasitomala banki a, ndi kulandira pa chiwongola dzanja yabwino kwambiri ndi mawu wokongola. Tinganene kuti banki "Ndalama ndi Mawu" (anangotuluka pafupifupi yekha mu 2014), Kenako chikumbumtima chiopsezo akuononga ntchito udindo wake kwa makasitomala. Mu 2008, ambiri mabungwe a zachuma ndi mavuto, koma si anthu ambiri akhala thandizo la ndalama kuchokera ku Bank National. N'zochititsa chidwi kwambiri kuti gawo la mikango likulu operekedwa wakhala bwinobwino ntchito pa nkhambakamwa mwa msika kuwombola yachilendo.

Dzitetezeni 2009: The chiyembekezo lomaliza

Spring 2009 anali oopsa kwa gombe. Zonse zinayamba ndi mavuto mabizinezi monga "AvtoKrAZ" wasiya kupanga pa nthawi ya osachepera miyezi isanu ndi umodzi, ndi "Kyivmedpreparat", limene Sanapezeke mtundu wa nkhani nsinga luso wolonjezayo kusakhulupirika kwenikweni. Mavuto anali pa "Stakhanov chooneka Company" imene analephera kupeza malangizo cha 2009. mabizinezi onsewa anali Zhevago. Ndi mwangozi zolakwika pa zobvuta kwambiri za kusakhulupirika pa nthawi ndipo banki "Ndalama ndi Mawu," womwe dipatimenti ali bwinobwino ntchito mu Ukraine.

Amene amapangitsa banki?

The bungwe ndalama walephera kubweza ndalamazo, osati kwa anthu, komanso ngongole ya madola 70 miliyoni, amene anatenga kuchokera nyumba monga Raiffeisen Zentralbank, Standard Bank ndi "VTB Bank". The Bank analephera kubweza ngakhale chiwongoladzanja pa ngongole ya. The ngongole mbiri ya nthawi m'gulu pafupifupi 35% ya ngongole kubweza, umene unali pafupi biliyoni 4,85 hryvnia. Mavuto, tsarivshem pamene gulu la ngongole ali basi anasamutsa m'gulu la chiyembekezo. Bank akatswiri imawunikidwa nkhaniyi ndipo analengeza kuti kukhalabe m'banja wolimba pamafunika kapitalovlivany a $ biliyoni 5.5 hryvnia.

mavuto Workaround

Management ya gombe, "Finance ndi Mawu" (Kiev) mu March 2009 chiganizo pa msonkhano waukulu kwa kupempha thandizo kwa boma. Ngati timaona kuti ulamuliro ndi kukhazikitsidwa, mu kufanana anali wachiwiri kwa BYuT ndi Party anali zonse kuthandizira lalikulu kwambiri pachikhalidwe izi, kusankha nduna za Atumiki sanali kokha zabwino komanso mwamsanga kwambiri. Motero, "Finance ndi Mawu" banki, amene mavuto si kwawo, alowa mndandanda wa asanu ndi awiri mabungwe ndalama Ukraine, amene capitalized ndi bajeti boma. Ife Atchule chakuti ndalama zimene zingathandize kuthetsa vuto ndi malipiro a depositors ndi madipoziti, anapatutsidwa m'njira ina. Lero, "Finance ndi Mawu" Bank kutsekedwa pa malo kuti mavuto wopanda ndalama, ndipo anthu pafupifupi 300 miliyoni hryvnia, anayikidwa pa ngongole "AvtoKrAZ" ndi "Kherson Cardan Chimeneas Bzalani". ngongole akuti ndi miyezi 63 ku 14% pa annum, pamene msika anali mlingo ambiri osiyanasiyana 26,4%.

Ntchito ndi boma ndi chisankho cholakwika

Utatha nkhani banki la ndalama kuchokera ku boma, anayamba yobetcherana weniweni. Nduna za Atumiki mwakhama udzafunidwa kwa aliyense wa mabungwe ndiwe wa asanu mwayi adzikonzenso boma pafupifupi 75% ya magawo a. Ndipo ngakhale kuti anali adamfunsa ndi ulemu kwa gombe, "Finance ndi Mawu" makonzedwe wogwirizira m'malo malangizo alipo miyezi 12. kapangidwe ndalama kasamalidwe walola kusamutsa okwana 50% wa magawo ndi adabvumiza kuti kumayambiriro kuyang'aniridwa ndodo ya curator lapansi.

Chokana thandizo boma

thandizo boma inatha pamene ndondomeko recapitalization wakhala lathyathyathya mtundu. kasamalidwe banki a kwathunthu anakana thandizo lililonse boma. Pambuyo Bank National wa Ukraine wakhala allocated biliyoni 2.5 hryvnia kukhalabe dongosolo la bungwe la, Zhevago ananena kuti apitiriza kupirira mavuto awo. Chifukwa cha zochita chachilendo anali kulephera kwa mabungwe a zachuma kuchita malipiro kasitomala, kulephera kubwerera madipoziti anthu amene mawu atha. chidwi kwambiri n'chakuti banki "Ndalama ndi Mawu", vuto ochuluka chikwiyire utsogoleri yokha, akupitiriza imatumiza ndalama zonse zilipo monga ngongole makampani Zhevago nkhani. Zimenezi, amene kale kulengeza, amakankhira kwa mkwiyo wa anthu, ndi zingachititse kuti zipolowe misa ndi zionetsero. Pa nthawi yatsoka mavuto kosamalira ndalama akutumikira za 119 zikwi za madipoziti akuti ndi nkhani panopa pafupifupi 217.

Chenjerani scammers

Today nkhani zambiri zoti banki "Ndalama ndi Mawu" - zinatha, koma kuti sasiya dongosolo. Ndi lalikulu malonda ndawala unayambitsidwa posachedwapa, limene anthu ambiri amakhulupirira. Muzipereka kwa yambiri "Big Zisanu ndi ziwiri" ndi bwino chiwongola dzanja. Zachilendo, koma pazifukwa zina anawoloka chete chakuti chiyambi cha 2015 banki ndi madipatimenti ambiri (osachepera 80), unatha. Iwo anali akuchotsedwa osachepera 20% la antchito. Wachiwiri mutu wa bungwe la anali imprudence kunena poyera kuti kampani akukumana ndi mavuto a zachuma komanso zomvetsa pa nthawi kuwonjezera yekha. Osachepera ayenera adziŵitsa boma la Ukraine.

kuchita zimene ndalama ndi makasitomala

Makasitomala ndi depositors ya gombe, madipoziti akuti imene inatha mu 2015, simungapeze manja anu pa ndalama zanu. Mwankhanza amapezeka mu maudindo ambiri. Antchito a banki "Ndalama ndi Mawu", utsogoleli wogwirizira amene sichinayambe adalowa, achite madipoziti rollover palokha. Ngati tsiku atapita kale lipoti gawo pasadakhale, lero si ankachita. Ngakhale kupezeka kwa ndalama pa ofesi bokosi, pa dzanja limodzi ndalama sapereka. The ndalama losangalala kwambiri - amene anakwanitsa kufika osachepera 20% ya zopereka zake. Misa chakukhosi sasintha zinthu. Pakati pa anthu pali amayi osakwatiwa ndi anthu olumala, ndi ophunzira wamba. Izi sikumangotikhudza Khrisu sanali malipiro. Mu ena m'madipatimenti panali chitetezo, amene amachotsa ku malo a makasitomala banki mwachangu udzafunidwa ndalama zawo. Poyamba, mchitidwe sizinaikidwe.

Zonse sanataye, pali mwayi ang'onoang'ono

Ngakhale kuti banki sanali kukwaniritsa udindo wake kwa makasitomala, kasamalidwe ake akupitiriza kukhwimitsa mphamvu kwa recapitalization. Pa msonkhano March 23 anaganiza kuonjezera likulu ovomerezeka mabungwe mwa issuance a mafuko a banki kuchuluka kwa miliyoni 616.4 hryvnia. Ngakhale banki "Ndalama ndi Mawu" si potsiriza anayamba, ndipo chiyembekezo mpaka pano. The osachiritsika loyamba la magawo pa msika anabweretsa kuphatikiza 22% mwa likulu ovomerezeka (biliyoni 3,4164 hryvnia). msonkhano wa ma sheya hoda 'inyamuka kwa April 27, 2015. Adzakhululukidwa mwalamulo tallied ndipo analengeza zotsatira za chaka chathachi 2014. Iwo tikambirana kukhazikitsanso zida boma. Malinga ndi ziwerengero kuyambirira zinali "Finance ndi Mawu" - Bank (Kharkiv nthambi m'gulu), lomwe m'tsogolo adzalandira thandizo kuchokera yang'anira mu kuchuluka kwa hryvnia mamiliyoni 700, amene ayenera kuthandiza kukwaniritsa udindo zonse depositors. zochita ndi chifukwa chakuti chimango ndalama anaikira 4% onse madipoziti banki mu Ukraine ndi 2% ya chuma cha dziko. Chimodzimodzi ngongole bungwe wa gulu loyamba.

Kodi kusokoneza dongosolo wanzeru?

Ndithu anena kuti Bank "Finance ndi Mawu" chatsekedwa, salola Khrisu kanthu ndi ma sheya hoda lapansi. Pankhaniyi, pali mfundo ina chidwi, amene angathe kuwononga zolinga zonse kasamalidwe waluntha. The kampani Cargill anakadandaula ku Bwalo la State wa New York ndi pempho kuti ndigwire nkhani mtolankhani. pempho nthawi yomweyo mwapatsidwa mpaka mapeto a Kuthi milandu. Ngongole ya madola miliyoni 44 lero chagona pa Kapangidwe ka "Finance ndi Mawu". Bank (Kharkov, Kiev ndi madipatimenti ena) akulonjeza kuti litsatira ndi kukonzanso ya ngongole. Guide amalamula kuti si amakana kukwaniritsa udindo wawo kuti palibe ngongole imodzi. Zakhala akufuna kuchita zokambirana kuti vutoli. Kodi zichitike zinthu zina, izo Sizikudziwika ndalama zitha kudikira ndi chiyembekezo cha zabwino. Akatswiri amene sachedwa Zoneneratu zoipa, si kulamulira zingatheke achire ya kapangidwe ka chuma cha mavuto protracted ndi malipiro okwana zopereka kwa aliyense wa makasitomala.