"Miraf banki" Vuto: chiphaso lakana, osati kulipira

Kukhulupirira ndalama kuti mabanki wayamba kuvuta. Ndipo si lonse ndalama Kusakhazikika, ndi kuyeretsa nthawi zonse Bank wa Central. Pankhaniyi ndi kovuta kuti kuoneratu kumene pa kukongoza bungwe lanu popachika "Lupanga la Damocles" yang'anira. nthawi ili pansi yamba kumalondolera "Miraf-Bank". The Mavuto ndi bungwe la ndalama, depositors ndemanga ndi zina za gulu ayankhidwa m'nkhaniyi.

mudziwe mwachidule za banki

"Miraf-Bank" - m'malo lalikulu ngongole bungwe ndi likulu ku Omsk. Idamangidwa mu 1997 ndipo kuyambira sanasinthe dzina lake. Kusintha basi kapena malamulo mtundu wa kampani. Iye anali wotchuka ndi mbiri yake wopanda ndi sizinachitikepo kugwirizana kwa ogula ndi machenjerero osiyanasiyana ndalama.

"Miraf banki" (chilolezo kuti imeneyo kunali kusanafike kudzipatula) pang'onopang'ono anayamba maukonde ake ritelo mwa kutsegula maofesi atsopano m'mizinda yambiri yaikulu ndi zigawo Russia.

Iye anatenga mbali mu chitukuko cha ntchito m'makampani ndi ritelo, amapereka angapo ntchito muyezo malonda ndi anthu. Bank makasitomala makamaka malonda ndi mafakitale mabungwe ang'onoang'ono, kuphatikizapo makampani osiyanasiyana mafakitale utumiki.

ndemanga zingapo "Miraf-Bank"

Pamene bungwe chuma ntchito, makasitomala ake nthawi zambiri kumanzere ndemanga kwake. Mwachitsanzo, wobwereka wina ankakonda mawu munthu ngongole. Ena anakonza mapulogalamu gawo ndi ziwawa. A lachitatu ankakonda Luso la ogwira ntchito za bungwe amene ali okondwa kuyankha mafunso ndipo mwamsanga mu mwambo zochitika zadzidzidzi. Monga mukuonera, "Miraf-Bank" (ndemanga wosuta ndi umboni waukulu wa kuti) anali odalirika komanso otchuka bungwe ndalama.

Mwachidule, kunalibe zizindikiro za vuto. Kodi chinachitika ndi banki, kumene kukhulupirirana? ndi zimayambitsa mavuto ndalama? Ndipo kodi inatha kasamalidwe Commission yang'anira?

mavuto banki ndi ndalama

Malinga ambiri makasitomala, ndipo iwo sakanakhoza kulingalira kuti guarantor awo m'mavuto aliyense ndalama. Mwachitsanzo, peresenti "Miraf-Bank" (Omsk) analipira zonse ngongole kapena shill latsopano mankhwala kubanki.

Zonsezi zinayamba mu December 2015 pamene wina wa otchuka makonde ndalama lofalitsidwa pa webusaiti ake uthenga kusagwirizana "Miraf Bank" kwa malipiro BESP.

Pa nthawi imeneyo, makasitomala banki sankafuna kuzindikira za moyo wa okondedwa awo guarantor wina. Komanso, atolankhani utumiki bungwe ndalama "Miraf-Bank" (Omsk - mzinda umene kampani mutu ofesi) anapitiriza kunena pa kulamulira zinthu.

Pa tsiku la buku la zindikirani mu atolankhani utumiki wa banki mawu za kusamvetsetsa mu pulogalamuyi. Komabe, iwo anaumirira kuti malipiro onse adzapitiriza kulankhula ntchito bwinobwino. Koma kunapezeka onse aakulu kwambiri.

Woyamba "namzeze" Kusakhazikika banki ndi: ndi issuance a madipoziti vuto

A maola angapo pambuyo kulengeza oimira banki pa maonekedwe adayamba kuonekera sankasangalala ndi depositors. Nthawi zambiri, lemba yafupika chakuti iwo sizikugwira ntchito ndi sititumiza malipiro. Ngakhale makasitomala ambiri anali wotsimikiza basi kuti zinthu chikanachitika ndi mlandu "Miraf-Bank". Zopereka za nkhani za owerenga amene salinso anakhalabe. Pa iwo sangathe kuchotsedwa chidwi ndi kuchita madipoziti pafupi sikunali kotheka.

N'zochititsa chidwi kuti banki ogwira ntchito okha sakanakhoza mafotokozedwe zokwanira zokhudza vutoli. Imeneyi whet makasitomala. The mantha.

"Miraf-Bank": mavuto (kutha kwa malipiro pa madipoziti)

Popeza kuti mapeto a December 2015 "Miraf banki" anasiya opereka madipoziti. Mu ulamuliro watsopano, gulu ndalama, anthu Omsk anatilola kutenga zosaposa 10-15 000 rubles patsiku. Ito pa mafomu oyambirira ofunsira. Komabe, ndalama akuluakulu madipoziti chabe chisanu ndi sanalole kusiya ngakhale mbali.

28 December chaka chomwecho "Miraf-Bank" (malipiro kuno akhoza kukhala mu ndalama dziko ndi achilendo) anakonza msonkhano lonse. Malinga ndi kafukufuku kuyambirira, izo unachitikira mu ofesi yaikulu ya kampani (pa msewu. Frunze).

Koma ngakhale ndiye, oimira banki a anakana mavuto solvency. Iwo anatsimikizira anthu onse amene analipo kuti chifukwa kuchedwa mu malipiro anali kusintha malamulo bungwe ngongole ndalama.

Mwa zoyambitsazo zotheka, monga mboni, banki woitanidwa ndi makasitomala zosayenera mantha. Ndi chifukwa iwo "Miraf Bank" sizikupanga malipiro. Ichi ndi chifukwa nambala zosaneneka zofuna kwa anthu amene alibe nthawi pokonza ndi ogwira ntchito za bungwe.

Kenako, a pakampaniyo unalimbikitsidwa kukhala oleza mtima komanso kudalira ntchito kuti akatswiri. Depositors akanangokhoza akhulupirira ndi kuyembekezera chigamulo chomaliza.

Mawu oyamba a boma wogwirizira kubanki

Pomaliza Mukalongosola zinthu pokhapokha banki anayamba zonse yoyendera. Ndiye, Mtsogoleri anayambitsa makonzedwe zosakhalitsa. Kuti iye akutha kupeza zifukwa zenizeni, chifukwa amene "Miraf Bank" sizikupanga malipiro. Ena mwa iwo anali ndalama chinyengo kasamalidwe kosamalira ngongole.

Malinga ndi mfundo kuyambirira, atatsala pang'ono kukhazikitsa utsogoleli wogwirizira wa oimira gombe kugulitsa katundu wokwanira pa rubles miliyoni 560. Ndipo iwo anachita izo mofulumira.

Pa nthawi yomweyo, "Miraf-Bank" (mavuto Mukungoyamba) ngongole wokwanira pafupifupi mamiliyoni 120 rubles. Ndipo ndalama zinali analandira kwa ena angongole, ndi kupatsidwa kwa ena.

Kufufuza ndi kupeza kusowa

Chifukwa cha mndandanda wa atsopano mfundo kuyan'anila banki anali kudziŵika. Mwamwayi, oimira wa bungwe ndalama phedzi mba funa kubisalira kuchepa Mtsogoleri katundu kuchuluka kwa rubles miliyoni 288,53. A mbali yaikulu ya kuchuluka anali pachibale kupanda msinga ndi zolemba, komanso mapangano ngongole ndi zolembedwa zina.

Kuwonjezera pa sheya kampani "Miraf-Bank" (mavuto kampani akukhudzana oletsedwa Buku ndondomeko) anayendera anaulula sanaoneke ngongole mipando, zida, ndi zoyendera. Onse a iwo kwenikweni "alenjeka mu mpweya" ndi paliponse ndi chiwerengero chabe.

Pa kafukufuku, izo ndi chachikulu "dzenje" chimatanthauza mu bajeti ya kampani, amene analipo 1 biliyoni. Miliyoni 512,8. Rubles. Ichi ndi kuchuluka anatsimikiza mtima kusiyana pakati pa kukula kwa gombe ndi katundu wake udindo.

Chiphatso cha "Miraf Bank"

Zotsatira za bungwe la Kufufuza wachita kwambiri apeza sali mu mtima wa ngongole bungwe 'Miraf-Bank ". License chifukwa cha yachinsinsi anali lakana, ndi mbiri ya kampani kwathunthu asokoneza.

Malinga ndi kafukufuku boma mwa zifukwa zimene zinachititsa kuti revocation chiphatsocho, anali motere:

• mobwerezabwereza kuyan'anila za malamulo ndi malangizo;
• Dongosolo la deta lolakwika ndi wosadalirika pa kayendetsedwe ka chuma cha kampani;
• brokering wa ndalama zimene ndimapeza nzika olemera;
• kusunga zinthu otsika kwambiri popanda kulenga nkhokwe zina;
• si ntchito udindo ndalamawo.

Ndipo anataya chilolezo wake "Miraf-Bank". nthambi zake anatsegula mu Moscow, Omsk, Tolyatti ndi midzi ina ya la Russia, anatsekedwa mpaka zindikirani zina za Bank wa Central.

Yesero ndi kulengeza banki insolvency

Pambuyo pa achire chiphatsocho Bank ku Central ali anagonjera yofunsira kukhoti, imene anafuna kuti kuzindikira bankirapuse bungwe ndalama. Chifukwa cha yesero, umene unachitikira January 24, 2016, khotilo anapeza "Miraf Bank" insolvent. Pambuyo pake, chiweruziro analengeza Agency kwa Gawo Insurance. Malinga ndi mawu, ndi depositors wa banki analephera alipire biliyoni. 2.8 Rubles chipukuta misozi.

Malipiro kwa depositors wa kampani akupsya

Kupewa chipwirikiti pakati depositors, gawo Agency Insurance analengeza chiyambi cha chifaniziro cha ndalama za inshuwalansi "Miraf-Bank", kugwa pa February 4, 2016. Malipilo anali kukhala 100% Muwerenge nkhani zonse depositor kale anatsegula mu mabanki zinatha. Komabe, amalipiritsa analandira sayenera upambana 1.4 Mill. Rubles mu akaphatikiza lapansi.

Kukakhala okayikitsa azilipira ndalama mungathe pamaso February 4, 2017. Malipiro Pankhaniyi anatenga "Rosselkhozbank". Komanso, aliyense Investor ali ndi ufulu wosankha njira yabwino kwambiri kupeza ndalama (ndalama kapena mawonekedwe a kulanda nkhani banki kasitomala).

Kuti tipeze nkhani maadiresi a nthambi analipo a banki wothandizira, udzamutche ndi hotline: 8 (800) 200-02-90. Dongosolo la malipiro agona pa mabuku mu kusindikizidwa "Komsomolskaya Pravda mu Omsk."

Panopa pa chipukuta misozi "Miraf Bank" analankhula za 4.800 anthu, komanso amalonda 150 mlingo sing'anga ndi lalikulu. Posachedwapa chiwerengero cha anthu amene akufuna kulandira chipukuta misozi, malinga ndi oimira ACB zingawonjezere ndi kangapo.