"Mlongoti-Bank": chilolezo lakana? "Mlongoti-Bank": madipoziti, Kuyamikira, ndemanga

Mmodzi wa otetezeka mabungwe a zachuma ntchito, kupangidwa mu 1995, wodziwika mu msika Russian ndalama monga "mlongoti-Bank". Asinthe chiwembu chiphatso kapena ayi, ife adzamvetsa zambiri, koma tsopano kuyamba ndi mbiri.

Anthu ndi mabungwe waukulu wa mabungwe ndi ndalama payekha ndi amalonda ang'ono ang'ono ndi mabizinesi sing'anga-kakulidwe. Imodzi mwa ntchito anayamba mokomera amalonda munthu utumiki. Nthawi zambiri, bungwe ndalama amapereka uthunthu wonse wa ntchito banki, ndiwo onse kwathunthu zosoŵa munthu kukakumana ndi zofuna za amalonda. Pali mankhwala enieni.

Lonse osiyanasiyana ntchito

Nthambi "mlongoti-Bank" mu Moscow - uwu si nthumwi yekha wa bungwe ndalama. Pa kutaya makasitomala banki ya nthambi kunja likulu, maofesi zina, opaleshoni madesiki ndalama ndi ATMs. Mwa ntchito zazikulu ndi zamalonda tingaone remittances ndi ngongole mapulogalamu gawo ndi makadi kulembetsa. Ndi maluso awa makasitomala kuyankha m'njira yabwino.

Monga mabanki akuluakulu m'dzikoli, "mlongoti-Bank" ali Intaneti yake utumiki. Popeza 2005, bungwe chuma ndi membala boma cha System Gawo Insurance (zonyoza). Chachikulu mwayi mawu a wogulitsa ndi wogula ntchito. Mukhozanso sheya kasamalidwe ndi zinthu zokhudza mfundo encrypted. Makasitomala kunena yabwino ndi kusintha mgwirizano chiwembu, komanso kupezeka kwa osiyanasiyana bwana kubanki.

Mavoti bungwe

Malinga ambiri a dziko mlingo mabungwe mlingo kudalirika "mlongoti-Bank" zimakhalanso mkulu. Mu magawo oyambirira a m'banja naye mkulu wa ngongole mlingo - pa mlingo A, kumapeto kwa 2014 mlingo uwu unali downgraded kuti B ++, amenenso ndi chizindikiro woyenera zodalirika m'banja. Agency amaneneratu poyamba kumatanthauza monga ankapitabe zamalonda kukulitsa, lero wapereka udindo khola.

kutchuka umembala

Membala wa Moscow Interbank Stock Kusinthanitsa, membala wa Association of Russian Banks, ndi ovomerezeka woimira madongosolo otero malipiro monga MasterCard Padziko Lonse ndi Visa mayiko - zonsezi "mlongoti-Bank". Iwo revokes chiphatso cha m'banja? Mwamwayi, zimenezi zimawachititsa kuti bungwe la ndalama, iwo alibe chochita. Ogwira ntchito mmene ntchito, ndipo ntchito, ndi gulu la interbank mtundu aya ndalama. Komanso, kukhazikitsidwa ndi bwenzi zoterozo machitidwe ndalama kutengerapo monga "Unistream" ndi Contact, Migom ndi Western Union.

Kuyambapo mavuto m'dzikoli?

Kukamba za chakuti bungwe ndalama "mlongoti-Bank" chilolezo lakana, anayamba chakuti kumapeto kwa 2014 16 pa December 17 ikuchitika kuti akaone ntchito ntchito ya ntchito yomwe inakhazikitsidwa. Ku magwero boma, inali kudziŵika kuti Utumiki Mkati ndi Federal Security Service kufufuzidwa banki, pamene anali amaganiziridwa nawo za kuba oletsedwa wa ndalama kwa bajeti. December 16 oimira matupi ovomerezeka kwathunthu inalandidwa maseva onse bungwe chuma, kumene zinthu zonse lalembedwa m'zinenero.

Mantha anauka kwa mlandu wa kuba ndalama za ntchito yomanga ndi oceanarium pachilumba cha Russian, omwe anali pachibwenzi chifukwa kasamalidwe kumanga mu Far East Federal District, ndi kumanga mlatho Russian pa East Bosphorus Khwalala, limene 'Mostovik "zopatsidwa kwa NGOs. Andrew ndi Oleg Poplavsky SHishov, Ngopambana makampani zomangamanga, yatsekeredwa ndi TFR, iwo Komanso ankaona makasitomala a banki.

popanda mantha

Mu nyengo kuchokera 16 mpaka 17 December, pakati pa mavuto ambiri ndi kuwuka lakuthwa mu dollar anayamba kuda nkhawa pakati depositors. Ofesi yaikulu sanali ntchito tsiku lina, ndipo ndalama ndi mabanki bwenzi ayamba mwachangu kutapa ndalama zawo. banki ngakhale ananena kuti dongosolo la zachuma sachiza chifukwa kulibe magetsi, koma zilibe kumathandiza chachikulu. Chifukwa cha zimenezi, anapanga queues yaitali ndi ntchito yapamwamba otaya zachititsa kuti ena alipo ntchito.

Mphekesera zimene anamva kuti dongosolo la zachuma "mlongoti-Bank" chilolezo lakana, ndi kuti banki akuyesera kutenga wambirimbiri ndalama mu rubles pansi 30% pa annum pa interbank msika. mawu onse kuti posachedwa akhala umboni. kusindikiza TV likulu la alengeza kuti achire chiphatsocho kuti masiku ochepa chabe, monga m'mphepete CBR wotaya ufulu kupereka ntchito mu msika zoweta ndalama chifukwa kulanda oletsedwa ndalama bajeti kuti nkhani za makampani akunja.

Mmene linatha?

vutolo mokwanira anatsimikiza pa December 29, pamene nthumwi za Akuluakulu abomawa anagamula kuti iwo alibe zonena ndi bungwe "mlongoti-Bank". Reviews a banki pa mfundo iyi mu nthawi anayamba kuoneka negative. Malinga ndi zolembedwa, amene anachotsedwa gulu la ngongole iliyonse ndi pansi 30% pa annum sanapemphe mavuto alionse adanyamuka mabanki okondedwa. Mkwiyo n'zogwirizana ndi chakuti bungwe ndalama sangathe kulipira dollar-chipembedzo madipoziti. Ngati fanizoli, iye akufuna zochotsa madipoziti ndalama zakunja mu rubles.

The zinthu pa msika dziko chuma, pamene ambiri a mabanki anakana pongofuna kukwaniritsa udindo wake ndi kudzitcha okha zinatha, likuonetsera poyera kuti ntchito ya Institute (pa chiwongola dzanja la Bank ku Central wa Russian Federation 17%) anakhalabe pa mlingo mkulu, ngakhale sali angwiro. Oimira ulamuliro pa gombe anatsimikizira kuti pa nthawi kuchokera December 17 maofesi 22 CB "mlongoti-Bank" kwenikweni anali wapanikizika ndi makasitomala. Chifukwa cha chodabwitsa anayamba mavuto osati kanthawi kukayikirana boma ndi kulumpha zakuthwa ruble ndi zoyesayesa wosimidwa wa ndalama kusunga osachepera gawo la ndalama zawo. Pa nthawi ina munthawi ya ntchito ikuchitika mu mode wabwinobwino ngati kuli kotheka.

Nkhaniyi amazipanga zaphindu

Kuyambira ndi December 2014 ndi March 2015, ngakhale zinthu osokoneza, "mlongoti-Bank" kukweza wa madipoziti ndi pafupifupi 43%. Msungidwe okwana anthu paokha anakwana rubles biliyoni 15,4. chithunzi Izi zikuphatikizapo lipoti la zachuma pa mabungwe. Pafupifupi biliyoni 3.5 rubles kuchuluka madipoziti payekha nthawi kuchokera masiku 91 mpaka 180. Zinthu zinali maziko zimene chitaikidwa pa gulu apamwamba "mlongoti-Bank" mlingo (mothandizidwa ndi mabungwe boma la malo). chifukwa anali mkulu mafunde a ndalama chiwongola dzanja pa 22%.

zinthu zabwino ngongole

Nditamaliza kufufuza ntchito banki onse anali anayambiranso. ndemanga zabwino za mgwirizano ndi borrowers bungwe ndalama kusiya. Malinga ndi iwo, chiwembu mgwirizano ndi kusintha kwambiri. Malinga mapulogalamu ngongole chiwongola dzanja kupezeka pa 23% mpaka 33%. crediting nthawi ndi kwa miyezi 36 mpaka 42. The pazipita zilipo kukula kwa ulemerero wa ogula limafanana rubles 250 zikwi. Kwa amalonda ndi amalonda ndi mapulogalamu wapadera.

Oletsa ndi Bank ku Central la Chitaganya cha Russia, kapena mmene boma nthawi inflow wa madipoziti

Chifukwa inflow ndalama zambiri za Bank ku Central la Chitaganya cha Russia woyikidwa moratorium pa ntchito za bungwe la zachuma. Banks akuletsedwa kulandira madipoziti latsopano ndi kubwezeretsanso anthu alipo. Izi muyeso njira lidzatha. Chiletso adalowa mphamvu pa April 17, ndipo tsiku lothera yake inakonzedwa mochedwa May.

Webusaiti yovomerezeka ya Bank ku Central Akuluakulu a ku Russia ndi mankhwala kuti panopa kosamalira chuma ali ndi chiphatso chomveka. Pa nthawi yomweyo, tikuona kuti aliyense wa mapangano lero ukugwira basi anawonjezera pansi pa mawu omwewo ndi zikhalidwe za mgwirizano.

Malinga ndi lipoti boma chifukwa April 1, 2015 kuchuluka kwa chuma ukonde anakwana rubles biliyoni 24.17. chithunzi Izi zinabweretsa banki kwa 159 udindo mu Russia. Capital ndi biliyoni 3.2. index Izi masamu ndi CBR. The ngongole mbiri ndi biliyoni 16,36 dollars. Voliyumu ya wosamalira anthu limafanana biliyoni 15,38. Malinga ndi zotsatira za pamwamba, mwina kudziŵika ntchito ntchito zabwino, zimene ali "mlongoti-Bank". Madipoziti, ngongole ndemanga imene kukhazikitsa mgwirizano, kupitiriza kukopa ogula. Kukamba za zimene zidzachitike zochotsa moratorium kuti banki, ndi molawirira kwambiri. Mpaka kuyembekezera mapeto a May ndi kuwayang'anira zochitika zina.