"Gazprombank", thumba mwagwirizana (mwagwirizana ndalama) makamaka mlingo chopereka ndi zolemba

Kodi yopindulitsa kwambiri yopeza ndalama? Mwina ndi nkhani yagona nkhawa ndalama zonse. zida ndalama zambiri: kuchokera yayenda PAMM-nkhani zimene ndalama ndi kwa 100-110%, kuti madipoziti banki ndi 4-5%, koma ndi chitsimikizo ndi inshuwalansi ngongole. Ife tikukamba za chida ndalama ndalama zimene amapereka "Gazprombank" - mwagwirizana ndalama kapena thumba mangawawo. mumve zambiri za icho chiri, ndi chimene mawu, ndalama ali pakuika izo.

UIF: History ndi lingaliro

Msungidwe thumba mapeto - ndi ankapitabe anzake a mabizinezi amene atipatsa ndalama zawo aganyali zida zosiyanasiyana ndalama: m'matangadza, mgwirizano, malo, zitsulo zamtengo wapatali, mphamvu, choncho, zifukwa zosiyanasiyana sangakhoze kuchita izo ... Ena alibe akudziwa, mu nthawi zina, wachitatu - onse a iwo.

Koma iwo amati, ndalama ayenera ntchito, ndipo iwo kusankha kuwapatsa pa kutaya kasamaliridwe kakatundu kampani. Iye, nayenso anapatsidwa ntchito, ndipo invests iwo zida zosiyanasiyana. vuto ndi kuti palibe amapereka ukutitsimikizira kuti ndalama, ndipo ngati ndalama za ndalama "kuphatikiza mu chitoliro," kapena kuti palibe obwezeredwa amaperekedwa.

ndalama nonse poyamba anaonekera mu United States, mmbuyo mu 1924. Koma mu nthawi ya mavuto azachuma ndi umbuli chuma cha anthu American ndiribe wina anakhulupirira. Nzeru za anthu anali akuti: "Tili Ngopambana izi sindikudziwa kumene iwo adzaphedwa - musaganize." Tikugwirizana kuti ambiri lero kulankhula mwa njira yomweyo, koma mu zaka zambiri zonse zimene mungathe kuyesa ndipo amaona zonse.

Tiyeni tikambirane za "Gazprombank", mwagwirizana thumba lomwe bwino zinkaimira. Chamawa iyo.

A pang'ono za ife

Bank "Gazprombank" - lero mmodzi wa mabungwe ngongole odziwika bwino kwambiri mu Russia. A khumi ntchito bwino kumulola kuti mupeze zambiri maganizo abwino pa ntchito. Koma zopereka muli otsika, monga mabungwe ena ngongole, - zosaposa 5-7% pa annum. Popeza kufufuma mu 2015 pa 12%, Ndizachidziwikire kuti anthu yaitali kusunga ndalama nkhani banki, m'pamenenso wotaya iwo mawu enieni.

Kuchokera mu 2004, iwo anatsegula wocheperapo - "MC Gazprombank". The kampani wachinyamatayo mwamsanga anayamba chitukuko mu msika ndalama. Mu 2015, iye anapambana mphoto chifukwa kasamalidwe chandamale likulu. Today tingasankhe zinthu zosiyanasiyana kwa ndalama :. ndalama nonse "Gazprombank", mgwirizano, m'matangadza, etc. tikungotchula ochepa mwaiwo.

"Gazprombank": mwagwirizana ndalama 'kumangidwa kuphatikiza "

Fund mwagwirizana lakonzedwa ndalama amene akufuna kuchepetsa mavuto awo yochepa. Cholinga - kupereka ndalama pamwamba madipoziti banki ndi kufufuma. Kulamulira ma sheya hoda aganyali mu msinga ndi mkulu kukhulupirira mlingo, kuphatikizapo nsinga feduro ngongole (OFZ). Inde, ndalama kuchokera ntchito izi ndi poyerekeza kuti zipangizo zina ndalama Komabe, likulu kuteteza patsogolo. Apa mfundo ya "bwino mbalame dzanja".

Zokolola nonse Fund "m'ndende kuphatikiza"

Ngati kuonanso bwino Zithunzi kukula, "Zoikizidwa kuphatikiza" ndi "Gazprombank", ndiyeno kuchokera July 2013th (chiyambi tsiku) mpaka June 2015, zokolola zinali pafupifupi 35%. Pa maziko pachaka izi ndi pafupifupi 12%. Kuchuluka, tikhoza kunena zabwino poyerekeza madipoziti banki 5-10%.

Ndithudi, kukula si nthawi zonse mwagwirizana ndalama - kuchokera December 2014 kuti March 2015 iye anali kwambiri "choviikidwa" 10% 5%, amene mantha kwambiri ndalama zambiri omwe motsutsa likhale ziletso pa za chuma anayamba mopupuluma kutapa ndalama zawo chifukwa choopa kutaya zonse. Koma pambuyo March Fund nonse ikukula mwachangu popanda kusinthasintha lalikulu.

Kwa anthu amene si ndithu kumvetsa zimene mwagwirizana ndalama, mwachitsanzo, kuti palibe chitsimikizo "Gazprombank" - PIF mtengo angathe kukula ndi kupita opanda. Ma sheya hoda nawonso amakumana ndi bankirapuse, mosiyana madipoziti mu banki yomweyo.

"Gazprombank": PIF "Gold"

Amene ankaneneratu za ziletso ndi devaluation wa ruble ndi ndi padera mu mwagwirizana ndalama "Gold", bondo kusankha kwanga. Mtengo wa golide, ndipo mu zitsulo izi wapatali ndi padera ndi thumba, izo womangidwa kwa dola. Kumbukirani kuti devaluation ndi, monga Motero, kugwa kwa ruble mu 2014 agwa pafupifupi kawiri. Izi zikutanthauza kuti ndendende ruble yomweyo anataya ndalama zonse, kupatula iwo amene madipoziti anali ndalama zakunja ndiponso zitsulo zamtengo wapatali.

Kuyambira pachiyambi linakhalapo, kuchokera July 2013, Fund nonse, monga iwo amati, malungo. Mpaka September 2014 zokolola index anagwa opanda 20%, koma anapita ku ziro. Tiyeni tinene kuti mlingo ngakhale 1% ya kubwerera kwa chaka cha ndalama ndi opanda pake, monga mu nkhani iyi, si bwino kuposa kusunga ndalama kunyumba pansi pilo lapansi.

Kufufuma unkachitika pa mlingo wa 12%, amene depreciated ndalama ku mawu enieni. Koma zimenezi si mlandu "Gazprombank" - mwagwirizana ndalama, koma mtengo wa golide sikudalira pa iye. Koma Dziwani kuti kampani kuti wamaliza ndalama titero tiyenera kugwa msika onse. Ngati iye sadziwa kuchita, ndiye zoona, chifukwa kuli kofunika? Koma sikuti tidzapita mu mtsutso pa mphamvu ya njira, ndipo chitani kusanthula winanso wa thumba mwagwirizana "Gold".

Kuyambira mu October 2014, ndipo pamenepa ndi Russia anayamba kuumiriza ziletso, ndi ndalama za mayiko depreciate chuma anayamba kusonyeza kukula. Only kwa October 2014 mpaka m'ma February 2015 kufika pafupifupi 90%.

Anthu ma sheya hoda amene ali "doterpel" analandira malipiro a nthawi iwo wotembereredwa "Gazprombank", thumba mgwirizano, ndipo ambiri lonse la bizinesi monga dongosolo. Izi chipereka kuchuluka musataye ngakhale chuma yayenda zosiyanasiyana PAMM-nkhani Mwina yotaya likulu lonse ndi mkulu.

Pambuyo pa kugwa mofulumira mwagwirizana ndalama Amira, ndi phindu chochokera ku July 2013 July 2016 anakwana pang'ono kuposa 60%, moti ndi 20% pa annum.

mavuto Common wa ndalama

Dziwani kuti ndalama ruble anataya theka chifukwa ziletso pa za chuma ndi devaluation wa ndalama dziko. kuchuluka aliyense zosakwana 100, Ndipotu, opanda pake chifukwa cha ndalama.

Ngakhale ndalama ya ndalama mpaka 2014 anali phindu likulu chibwenzi, ngakhale kuti ndalama kwa iwo ndi ziro.

mfundo General

Aganyali mwagwirizana ndalama kapena ayi - ndi nkhani payekha. Kunena chinthu chimodzi: ngati kampani invests ndalama yanu, sizitanthauza kuti munthuyo ndi "kunama pa mbaula," ndipo musaganizire kuyembekezera phindu lalikulu.

Udindo phindu kapena imfa apuma basi ndi Investor lapansi. Choncho m'pofunika kufufuza zonse zabwino, ganizirani chimodzimodzi kumene yopeza ndalama zawo. ndalama nonse, kumene, adzapereka ndalama pamwamba gawo banki, koma musaiwale kuti mwambo wa imfa ya munthu alibe zoperewerazo ndalama olimbika ndalandira.

Ngakhale mfundo yakuti "Gazprombank" Bank - khola bungwe ngongole, izo sizitanthauza chipukuta misozi ngati imfa ya likulu ndalama padera mu mwagwirizana ndalama zake.