Mabungwe ngongole: zinthu pangongole, zikalata

mabungwe Mawu akhala otchuka kale kwambiri ndipo sanali m'mbuyo mayendedwe ndipo tsopano. Komabe, aliyense wobwereka amamvetsetsa kuti ndi chitukuko ndi mmene kumasiyana ndi banki ochiritsira. Onse mchitidwe opereka ngongole, koma iwo mwapadera.

Cholinga cha ngongole ogwirizana

Choyamba muyenera kumvetsa chakuti mabungwe ngongole, cooperatives ngongole kapena mabanki amene mukupanga si mabungwe malonda. nyumba imeneyi osaika ntchito mu phindu kwa opereka ngongole. Mawu Union amapereka thandizo la ndalama kwa anthu amene akuvutika ndipo ndi anthu a mmudzimo. Kulowa amenewa mgwirizano akhoza kukhala aliyense, bola ngati maganizo ake chinachitikira ndi mfundo logwirizana chikhalidwe. Mwachitsanzo, mamembala a ngongole mgwirizano akhale antchito a kampani Makamaka, anthu a m'deralo kapena anthu omwe kumulakalaka umodzi.

Mfundo ntchito kwa ngongole ogwirizana

mabungwe Mawu zatchuka mu 90s lapansi. Kaya chikhalidwe cha chuma, mabungwe awa amasiyana bata. Kuchuluka kwa madipoziti wakula likunena, choncho ophunzira kuti nthawi zonse tizidalira ngongole yabwino.
Panopa Russia pali zoposa 2500 mabungwe ngongole. Chifukwa chotero kutchuka mkulu ndi chomasuka kupeza ngongole yaing'ono kuti sikutanthauza makonzedwe a akonzedwa lalikulu zolembedwa ndi kuchuluka mtengo umene uli mtengo kwambiri kuposa kubanki malonda.

Ntchito za ngongole ogwirizana ndi lophweka ndi bwino kuti munthu aliyense mu msewu, choncho chimakopa anthu. Ophunzira aliyense ali ololedwa kukhala madipoziti, kulola kulandira kuchuluka ena. Ngati panali kukhala chofunika, ndiye ophunzira angapemphedwenso kupereka ndalama ngongole. zopempha kwambiri atamaliza zabwino, koma pali kukhazikitsidwa kwa mlingo yeniyeni chidwi. Ndalama zopelekedwa kwa wobwereka ndi, aumbike kwa ndalama waikamo mwa ndalama, kotero kuti yotsirizira kulandira anthu ena. Mmenemo muli chinsinsi cha kukhalapo kwa mtundu umenewu wa mayunitsi.

Association of mabungwe Mawu

Pa nthawi zambiri ngongole mayunitsi nacho chikhumbo kuti agwirizane mgwirizano wa ngongole cooperatives. kucheza ndi khalidwe thandizo ndi ntchito zosiyanasiyana umalimbana kuwongolera mphamvu ya ntchito wogwilizana ndi kufulumizitsa mayendedwe a chitukuko. Mayanjano mabungwe ngongole pali mitundu 2:

1. Council Regional - Co-operatives, malo amene anaikira mu dera lina.
2. Union National - mgwirizano wa mabungwe ngongole ili paliponse mu Russia.

Union ngongole cooperatives - ndi chida cha ngongole msika, amene ntchito ndi kuonetsetsa kuti zinthu womasuka kwambiri ndi digiri yapamwamba ya maphunziro ngongole zokolola. Yonseyi gulu atsegula ngongole mukupanga zina ndalama ndi zina, zomwe zimathandiza kuti yankho la mavuto ambiri amene sangathe kulimbana akutali ngongole ogwirizana. Osiyanasiyana ntchito ndi yosiyanasiyana ndi zimadalira zosowa za mukupanga a.

Services operekedwa ndi kuyanjana kwa ngongole cooperatives

Mawu Association Union mchitidwewu kupereka:

• ntchito luso, amene akuoneka monga: cooperatives ntchito maphunziro ngongole, mukupanga angakwezedwe mu msika, polankhula zokhudza ntchito ndi kasamalidwe dongosolo amandimvera.
• ntchito Financial - zokambiranazo umalimbana computerization cha anthu mu mawu a ndalama liquidity ndi mbali ndalama za ngongole mgwirizano, komanso nkhani akulankhula zokhudzana ndi kasamalidwe chiwerengero cha madipoziti mu ngongole ogwirizana.

Mayanjano mabungwe ngongole ndi osiyanasiyana ufulu ndi udindo. Mwachitsanzo, n'zotheka kuonetsetsa mbali ya ntchito Union ndi:

• muthandize yokhudza aliyense wa nkhani mukupanga a boma kapena ulamuliro mayiko;
• kusintha zikalata zolimbana;
• chitukuko cha ntchito yatsopano;
• kulamulira zochitika ngongole mukupanga a.

Komanso, Union ngongole cooperatives kuwongolera kachitidwe dera ndi dziko la thandizo la ndalama mangawawo. The Association undertakes kuchita ntchito kafukufuku, ntchito yaikulu ya ndiko kupeza njira yatsopano pochita bizinesi.

The ngongole ogwirizana ndi osiyana banki?

Kusiyana yaikulu ya ngongole ogwirizana ku banki:

1. Mosiyana ndi mabanki, mabungwe ngongole safuna kuti phindu pa makonzedwe a ndalama kwa ngongole.
2. Ndi mapangidwe misonkhano ngongole adasonkhananso yekha shareholder ndi kasitomala m'munsi mwa gombe alibe malamulo.
3. Zocitika za Union akhoza kukhala pagulu. Bungwe ndi kucheza kasitomala wina ndi mzake pamaziko a umembala, maunansi awo si kasitomala.
4. ngongole mgwirizano membala zitha kukhala nzika, payekha. Komanso, iwo ayenera pogwirizanitsa gulu limodzi, ayenera kukhala bwino ndi mzake. A udindo kwambiri ndi ankaimba ndi chochitika yamasika, kutanthauza udindo mangawawo.
5. Mawu a mgwirizano sangathe pachiopsezo zopereka za ma sheya hoda lapansi. Ndalama analandira mwa ngongole mgwirizano ayenera anagawira mwa ma sheya hoda kapena lotsogozedwa ndi ntchito mtengo, ndiko kusandulika mu njira bwino zosoŵa za anthu ogwirizana.
6. kusintha mu ngongole mgwirizano tidzakwatulidwa matanthauzo analandira Anthu onse m'banjamo, depositors, borrowers ndi ndodo ntchito.

Za "Union Chatsopano Mawu"

Bank "Mawu Union" ndi olowa katundu malonda banki bungwe, amene katundu ukonde akhoza kutchedwa ndi pakati-kakulidwe. Bungweli wadutsa kulembetsa nduna Moscow. Anafotokoza bungwe ndalama makamaka ili ku likulu Russian.

M'madera chachikulu cha ntchito imene ambiri mwachangu osauka ichi kampani ngongole, monga:

• makonzedwe a banki ngongole kwa makasitomala kampani;
• kukhazikitsa nkhani banki la mabungwe alamulo;
• polera ndalama ku Russia kudzera madipoziti banki.

Ngati ife kulankhula za malonda ritelo, tinganene kuti banki "New Union Mawu" ndi pa mlingo wochepa wa chitukuko.

The adayambitsa "New Mawu Union"

JSCB "New Union Mawu" ndi yaing'ono malonda banki chinkhoswe mu akubwereketsa ndi yokonza nkhani amapeza. Development wa bizinesi ritelo ya gombe pafupifupi sanachite, m'munsi gwero ikuphatikiza ndalama zake.

The anayambitsa maphunziro ngongole, unakhazikitsidwa mu 1994, ndi mabungwe otsatirawa:

• CJSC "Inntek";
• CJSC "Mwayi";
• MP "Intelekom".

Ufulu kukopa madipoziti "New Union Mawu" analandira mu 2009.

Misonkho zopereka ngongole ogwirizana

Chiwerengero cha ulemerero mgwirizano ovomerezedwa ndi Board ndi Supervisory woimira zofuna za anthu a ngongole mgwirizano mu nthawi ya pakati pa misonkhano ambiri. Chiyerekezo n'kofunika kuti athe kukonzekera ndalama zolowa ndi mbali. Ndiwo ndalama - ndi zopereka ndi ndalama monga zili wa ngongole ogwirizana ndi kukhazikitsa zolinga mosavomerezeka, zochokera ndalama zawo kuti muchite.

Nkhani 19 Chilamulo pa mabungwe Mawu amanena kuti chuma ngongole mgwirizano ikuphatikiza: chindapusa pakhomo, chofunika zopereka chilungamo, zopereka zina kwa mamembala a ngongole ogwirizana (kupatula madipoziti anaika nkhani gawo), zopereka zaufulu.

Mu N. 4 tbsp. 157 ya Tax Code limanena kuti khomo la kuvomerezedwa, optional ndi asonyezedwa zopereka za ngongole mgwirizano alibe kusonkhanitsa msonkho. Pankhaniyi, zopereka analandira kwa munthu wina kapena bungwe lalamulo phunziro kwa misonkho.

kulowa amalipiritsa kubwerera pamene akuchoka ngongole mukupanga si wonyamulidwa, ndi kupereka gawo ndi malipiro ena ayenera kukhala mogwirizana ndi hayala ulemu wogwirizana ndi.

Pa zikhalidwe za chilengedwe

Mawu mukupanga zitha analenga ngati pali anthu osachepera makumi asanu ogwirizana ndi lingaliro wamba. Lililonse latsopano ngongole mgwirizano ayenera likulu ake, anapanga kuchokera zolipirira gulu.

Aliyense shareholder ali voti, amene sikutheka kuswa kapena kusintha, zilibe zimadalira kukula kwa malipiro pansi, kapena pa nthawi ya kulowa kwa ulemerero wamphumphu. Yambani mapangidwe ofanana kwa munthu aliyense amene walembapo mgwirizano pafupi, komanso amene analimbikitsa kuti mmodzi wa ophunzira. Nthawi palibe malamulo.

Ubwino waukulu wa ngongole ogwirizana

Mayanjano amenewa ndi okongola kwambiri kuti tanthauzo lenileni kutumikira m'nyanjazi likulu okwana nditamva. Mu chochitika cha kufunika kwa mamembala ngongole mgwirizano tizidalira ngongole yabwino anafunika kuthetsa chikhalidwe, thanzi, nyumba ndi zinthu zina. Nzika iliyonse amene zachititsa kuti ngongole mgwirizano amalandira kuchuluka zafotokozeredwa hayala lapansi.

cooperatives Mawu angayerekezedwe ntchito malonda banki chifukwa amagawana ntchito zofanana ndi mphamvu. Koma pali pakati pa iwo ndi kusiyana kwambiri, ndicho cholinga cha ntchito za mabungwe awa. Woyamba ntchito ndalama ndi Safuna kudzisangalatsa apeze ndalama, ndipo chachiwiri mwachindunji khama lawo onse pa kupanga phindu.

Kodi malipiro uzikwaniritsa membala wa ngongole mukupanga?

Onse mabungwe ngongole, ogula kufunika kwa kukonzanso polowera kasitomala kupanga ndalama, amene amapita kulipira:

• Umembala amalipiritsa - ndi ndalama anathandiza aliyense shareholder yatsopano, ndi khama kuphimba ndalama za ngongole kugwirizana nawo komanso kuonetsetsa zochita zake zonse.
• Kulowa amalipiritsa. malipiro amenewa akupezeka yekha ena cooperatives. Ngati ntchito imeneyi alembedwa mu lamulo la, kuchuluka lolipiridwa ndi shareholder ndi kuti reissue zikalata kukweza pepala analipo ntchito za malamulo, ndi zina zotero D..
• Share chopereka - ndalama, osatembenukira ku malo ngongole wogwilizana ndi chofunika kuthandiza ntchito za mapangidwe. Share chopereka akhoza kukhala mwina kuvomerezedwa kapena kwawo.