Bank "Delta Credit": wongororo. "Delta Credit" (Bank) mapazi, kero, mutengi inofambiswa

Pakati Russian pamusika vatungamiri vari chidimbu kuti chikwereti anomukweretesa - kubhengi "Delta Credit". Pasinei ayo hama youth, sangano zvemari iyi akakwanisa kuita zvikuru kubudirira nokure kwayakaita. Nokuda chii kukwikwidzana zvakanakira kubhangi kuzviita? Ndezvipi zvinhu mapurogiramu chikwereti inopiwa "Delta Credit"? Chii zvigadziriswe kunoshamisa nekuita ose rokubhengi yayo vatengi?

About pamahombekombe

"Delta Credit" Commercial Bank (DeltaCredit) anonzi kuva mumwe zvepamusoro Russian chikwereti uye masangano zvemari kushandisa chikwereti pamusika. Nepo dzimwe Masangano akawanda vari kuedza kupa vatengi chaizvo nhamba mabasa, DeltaCredit rinonyanya zvakananga pamusoro redzimba chikwereti pamusika. Kwete zvikuru Russia sezvo specialized chikwereti uye zvemari masangano akadai "Credit Delta Bank". Consumer chikwereti mairi hazvigoni kuwanwa, asi zvakawanda zvokusarudza kuti mogeji ikoko.

mashoko okutanga pamusoro Implementation kuti bhangi chikwereti zvirongwa zvakanyorwa muna 1998, apo unoenderana chidimbu kubva kumusika chete akatanga kubuda. Zvisinei, kushingaira rwezvemabhengi DeltaCredit mu Russia akatanga chete muna 2001. Sezvinoratidzwa nevamwe vaongorori enzvimbo wongororo, "Delta Credit" - kubhengi yakanaka chikwereti Rating. chinhu ichi chinogona kuva zvinokosha panyaya nekuita Somuenzaniso, pamwe Central Bank uye dzimwe mari masangano.

Batanidzo uye nokubatanidzwazve

Sezvataona pamusoro apa, muna 2001, "Delta Credit," chikwereti kubhengi, akatanga basa munyika yedu. Rakanga chokuita ndechokuti Absorção de Água yechivako chacho guru vanorumwe-bhangi dzemari sangano - JP Morgan. 4 Makore akazotevera DeltaCredit migove vakanga zvakazara akawana mari boka "Societe generale". Maererano vamwe vaongorori, ndiko kwemapazi kubhengi rinezvigaro European mutambi ari pamusika zvikurukuru vakatsunga DeltaCredit kushingaira kuwedzera pamusoro Russian mogeji pamusika. At dzinoshandiswa mamiriro kuchikosha mari zvinhu, "Societe generale", zvakaitika management uye kutaurirana mikuru vatambi zvemari muEurope.

Kwenguva refu chikwereti sangano raishanda sedare CJSC "Delta Credit". Zvisinei, The bhengi, vachafanira kuuya zita rayo aenderane ne zvimwe zvachinja RF mutemo. Chokwadi kuti vakadaro siyana bhizimisi sezvo Company uye OJSC zvino kuregwa. Zvino, kana munhu kana rimwe sangano, kusanganisira mabhanga, ari kushanda ne akadzika migove, zita anogona chete unorira SA.

Mubhangi mumusika

Chikwereti pamusika Russia iri kukura zvishoma nezvishoma mumakore mashoma apfuura. Somuenzaniso, muna 2013, nefuma mu chidimbu ichi kwakawedzera neinopfuura 31% zvichienzaniswa 2012 nenhamba. The zvachose Vhoriyamu zvikwereti zvave kupfuura 1.35 tiririyoni. rubles, uwandu zvikwereti -. vanopfuura zviuru 800 dzakabatana .. Uyezve, vakawanda akaramba bhuku nonoka zvikwereti - nokuti vakasvika 2,04% pakazopera 2013.

Vakaongorora "Delta Credit" kutarisira kuti pakupera 2014 chikwereti pamusika kuRussia kuchawedzera munenge 15%, kukosha mashoko, bhuku chayo pfuura 1.5 tiririyoni. kuzora. Kunyanya kushingaira vanotarisirwa kurai chidimbu kwezvivako zvitsva - zvine simba sezvo Bank nyanzvi dzinofunga achava 35%. chidimbu ichi chicharamba mumwe zvinokosha kuti chikwereti pamusika kuRussia. Uye kwete chete nokuda zvikuru, kakawanda kacho, musha mutsva kutenga Kukwezva tichienzanisa yechipiri. Chokwadi chokuti vokuRussia vari kufunga upfumi muzvivako zvitsva senzira kuponesa nemari iri rutivi vanotenga simba. Ruble - currency asina kusiyana mune ichangoburwa yakagadzikana nguva. Nepo Real Estate pamusika seboka kunoratidzwa yakasimbisa kukura. Investments muzvivako zvitsva - ane tarisiro anoyevedza kuti vagari vazhinji Russia.

Panguva iyoyowo, mune dzimwe nzvimbo, kudiwa ari vakacherechedzawo mu "redzimba yechipiri." Chokwadi kuti mhuri dzakawanda vanofunga kuti vanofanira kufamba mudzimba zvitsva vachiri musi. Havana nguva kumirira kumugumo pakuvaka flats, uye kunyange zvakawanda saka panguva kuti abhadhare chikwereti. Uyezve, vanhu vakawanda vokuRussia vari kutenga Apartments havasi zvikuru kuitira kurarama nazvo, uye kuti unozotevera risi uye kutendeuka kupinda imwe mvura twa. Nokuti chinangwa ichi, kutenga chivako chitsva haisi zvakafanira: zvinokwanisika kuti vanopedzisira unhu mufurati imwe nzvimbo yakanaka muguta, kunyange kana ngachipiwe mune yechipiri redzimba chidimbu.

samambure mamiriro

"Delta Credit" - munhu chikwereti kubhengi, iyo inoshanda kuRussia, zvose mukati yayo richikurukura mahofisi uye kuchovha naye makwara. Zvino nzvimbo iyi zvemari - pakati vatungamiri tichitarisa zvikwereti chikwereti, uye nenzira dzakawanda chinzvimbo ichi, nyanzvi dzinoti, bhengi kwakakonzerwa mavakirwo inobudirira hurongwa nekuita pamwe nemamwe masangano anoshanda ari chidimbu.

"Delta Credit" - bazi kubhengi anomiririrwa mumaguta makuru Russia: Moscow (. St. Moss, 7), St. Petersburg (Nevsky Tariro, 114-116), Kazan (Ostrowski, 87). Uyewo Kudyidzana mamiriro varipo munharaunda dzakawanda.

Mabasa "Delta Credit" nemifananidzo

The weighted paavhareji mwero iri zvikwereti chikwereti mu "Delta Credit" kunoenderana kunzvimbo kubhengi. In Nizhny Novgorod Somuenzaniso, muna 2013 rakanga 12.4% muna RUR (ndiro zvishoma kupfuura muna 2012) uye 9.6% dzimwe mari (izvo, akavapindurawo, kuvatumwa muzvirevo gore) . Nokuti kuti muna 2014 ari Central Bank vakawedzera ayo anokosha chimbadzo, nyanzvi anotarisira zvimwe kukura mune nhengo chikwereti mamiriro zvaipiwa mabhanga Russian. "Delta Credit" kungangova asingasiyi pamusoro ichi muitiro.

Avhareji Ukuru chikwereti zvikwereti mu "Delta Credit" - iri zviratidzo zviri zvikuru novimba kuvapo kubhangi kuti mudunhu. Kana nesuwo kutora Somuenzaniso, Nizhny Novgorod, ari runoenzanirana ndeuke 2013 akanga 1 miriyoni. 357 zviuru. Kuzora. On avhareji muRussia - zvishoma, rubles vanenge mamiriyoni 1,64 .. Chokwadi, nhamba zvichava zvakasiyana kana pfungwa makurusa maguta Russian, apo pane mubhengi "Delta Credit" - Moscow. Asi chero mabasa - kuguta guru kana kuti Nizhny Novgorod - zvakakwana kupa schematic cherudo rinomutsa mumusika: imwe nzira kana imwe noruoko dzinongoitika mitengo nemifananidzo kuchawedzera ugaro.

chikwereti zvirongwa

"Delta Credit" anopa vagari Russian akawanda chinozikamwa mogeji zvirongwa. Mamiriro ezvinhu ayo sangano zvemari iyi inopa kuti ape zvikwereti kumba, vanowanzova akafanana vaitaura vemamwe vatungamiriri pamusika. Kana mamwe chikwereti mapurogiramu vane guru bheji, kakawanda zvaizopedza ne kwakaderedza zvinodiwa kuti anokwereta.

Zvezvisarudzo zvinoumba kuti unhu kubhengi "Delta Credit" - mortgages nayo zvikurukuru mari. Chikwereti zvibereko mhando inopiwa sangano, sezvinoita mutemo, vari dzinoratidzwa pamwero pasi. Asi panguva imwe chete ine zvinokosha depreciation pamusoro Ruble anokwereta vangava zvakaoma kuripwa zvikwereti.

Sezvo mashoko ari dzinoverengeka paruzhinji zvinyorwa, zvinonyatsorehwa uwandu dzimwe mari chikwereti zvikwereti mu Russia ndiyo mwero chaizvo - anenge 0.3% zvachose kwezvikwereti. Nokuda kusagadzikana pakati misika yemari ari Russian Federation mortgages kukurumbira mu currency chinowanzoitika kuramba yakaderera mumakore anouya.

Pane "Delta Credit" kukwezva inopa yakadekara zvinodiwa vaduku mhuri. Kunewo ruzivo pamusoro zvirongwa zvinopa pamwero yakaderera chaizvo musika wokuRussia - 9,75%. Pane yomwaka kuitisa kubhangi, uyewo-siyana migove, achiperekedzwa vaitaura dzi- chikwereti pasi ashaye prices.

Types pokugara, iyo anokwereta vanogona kuwana "Delta Credit" vakasiyana-siyana. Kutenga zvivako rose kana mune Yakabudiswa. Purchase nechikwereti kunogona kuva Apartments, makamuri, dzimba.

Mune dzimwe nzvimbo, kuvapo "Delta Credit" ndiro pamahombekombe zvigadzirwa, dzakashandisa kunzvera mukwereti yaidiwa kuti pasi kubhadhara pamusoro mogeji. Zvinokwanisika kushandisa, sezvo dzimwe mabhanga mazhinji, mubereki guta seinokonzera mari kana kutenga mufurati.

Kudyidzana pamwe makasitoma

Mumwe zvinodiwa kumusika, izvo zvinofanira aenzane chero ano (kusanganisira "Delta Credit"), kubhangi - mutengi wongororo zvimwe kuva pamwe inofambiswa kubva kupfuura-kubhengi zvemari sangano. Kana pamahombekombe pamberi pedu, tinogona kuisa anonakidza muenzaniso nokuda Implementation ose akakodzera masangano chokuratidza ichi. Zvikurukuru, ino, izvo zvinogona kusiya zvose paIndaneti uye is mhinduro. "Delta Credit" - mubhengi inopa vatengi kusiya pfungwa dzako dziri mazano papepa siyana mumahofisi, uyewo kuburikidza kudyidzana pamwe vatengi kuburikidza makwara paIndaneti. Ndezvipi chaizvo mugwara basa rechipiri?

Inowanikwa kune rakapotsa munharaunda (revatema pamwe inofambiswa fomu) iri midzi muna Widget iri musha peji kubhengi nzvimbo. Vatengi masangano zvemari, kuvashandisa anogona kusiya zvavakataura. "Delta Credit" - mubhengi kuti chaitwa, pakutanga, kuti kubudirana pachena. Padanho mwero munharaunda iri shoma. Kuti, kana dambudziko chairo, haisi hushed kukwira pamahombekombe. Kubva waishandiswa nemaonero, nesungano pakati "DeltaCredit" uye vatengi chinozoiswa zvakakwana nyore.

Ndezvipi pokutanga mirayiridzo iyi, iyo anosarudza kwayo "Delta Credit"? Bank (anodzokorora mudonzvo anokonzera kudyidzana pamwe vatengi paIndaneti kusimbisa ichi) zvikurukuru chinotarisa sei kutaura mhinduro matambudziko aro kuitika kana zvinogona anokwereta ane kusimbisa localization pakati. Kureva vakuru kurumbidza hakugumiri zvimwe chetezvo: ave mutemo, rinoitwa kusimudzira mutengi Nhaurirano vamiririri bhengi imwe guta kana nharaunda. Somuenzaniso, kana imwe mubvunzo anobvunza mugari St. Petersburg uye pedyo neguta, zvingangoita kuti mhinduro uchapiwa inobva zvechadenga musha, apo anoshanda "Credit Delta Bank" - St. Petersburg kana muguta Leningrad nharaunda. Zvinoita kudyidzana kwenyika mbiri uye sangano mari nemakasitoma pavanoona nyanzvi dzakawanda uye anokwereta, vachisiya inofambiswa wako netsanangudzo vakapiswa paIndaneti portal kana Category kupfuma.

Zvizhinji nzeve "Credit Delta" akabhadharwa kudzidzisa mudonzvo wavo anokwanisa kutaura vatengi. Nyanzvi The Bank vari aiming kutaura vatengi tichitarisa paumbwe paruzhinji mashoko chawo, vaikwanisa kukwezva vamwe anokwereta. Mupfungwa iyi, unogona kuva zvakanaka - kusanganisira kunaka - dzinovaka. "Delta Credit" - mubhengi anogona, kugadzirisa matambudziko chaiwo ano vatengi, kuumba mufananidzo zvakanaka pamberi anokwereta. mashoko Public pamusoro inofambiswa portal Bank dambe, maererano nenyanzvi, basa rinokosha kukwezva anokwereta itsva. Kana, somuenzaniso, aishandisa kufarira chikwereti "Delta Credit" kubhengi wongororo uye anokumbira matsva vatengi mabasa aya emari vakapiswa portal kunogona kuva huru kusarudza chinhu nyasha processing chikwereti chacho ari munyaya mbiri uye zvemari marongerwo.

Basa "paIndaneti"

How kushanda nemakasitoma mu "paIndaneti" rudzi, kubhangi inoitwa tsika? Vamwe mabhuku dzinoratidza Somuenzaniso, kuti mukukurukurirana vatengi Indaneti inoshandisa emapoka nyanzvi "Delta Credit". The chikuru Vhoriyamu basa rinoitwa pamahombekombe wacho yokutengesa dhipatimendi, uyewo mitumbi anokonzera hwokugadzira mamiriro ari yeGmail.END_STRONG zvikumbiro. Pamwero ari kushingaira kubata nevatengi rwezvemabhengi mabasa kuburikidza migero online, uyewo unhu zvinetso - zvinhu zvakananga kukanganisa kuita zviratidzo zviri kubhengi vashandi mukati kuMudzidzisi nzvimbo basa.

"Delta Credit" - mubhengi mutengi inofambiswa randakagamuchira pamusoro paIndaneti, kune hwakakwana mudonzvo akakodzera madhipatimendi. The chaiyo chikumbiro akatsunga kuenda sangano. It ingangodaro Somuenzaniso, kuti nemhosva achakwanisa kupindura mubvunzo vanhuwo vashandi pamusoro yokutengesa dhipatimendi. Kana nyanzvi mubvunzo kuti mberi chikumbiro kuti foromani wako. Kana, zvichaita zvinoda kutora chikamu mamwe madhipatimendi ose kubhengi - mubvunzo rinotungamirirwa kwavari. Kana mhinduro nomazvo ichagadzirirwa, akaita mashoko pamusoro Bhuku "Delta Credit" iri paIndaneti munharaunda.

Chokwadi, pane zvimwe "kwezvipimo" musika mugove, iyo inopa munhu "Delta Credit Bank": "My Account" nemhosva. It anokwereta anogona kuwana kwemashoko akazara pamusoro polzuemyh zvigadzirwa, tokumbira kuna mutengi kutsigirwa kubhangi kuti aite zvimwe kwema uye kubhadhara. Maererano nenyanzvi dzakawanda zvinofungidzirwa kuti mudziyo mhando iyi inopa "Credit Delta Bank", "Private hofisi" kutenga basa tsika mari - zvakakwana nyore uye chinobatsira.

Customer Reviews: nhamba

Ndezvipi hwokuita migumisiro pamwe chete mubhengi racho vatengi Indaneti? Mumwe anogona kumbotipa mifananidzo, rakabudiswa muna zvinoverengeka zvinyorwa. Kubva February kuna August 2014, somuenzaniso, ari "rakapotsa" munharaunda kubhengi "Credit Delta" akasika anopfuura 700 nemamwe misoro anosarudza vatengi. Paiva vanopfuura zviuru 1. Comments. Panguva imwe chete nguva nharaunda akashanyirwa pamusoro 43 zviuru. Unique vanoshandisa. Number maonero ari portal vakapfuura 329 zviuru. Inowanikwa nzira dzinosanganisira munharaunda, kuwedzera nyaradzo kushandiswa upfumi. Zvikurukuru kana nemhosva anotanga kunyora wongororo kana kurapwa rinoitwa autosubstitution Formulations kwakavakirwa mashoko kubva kutsvaka injini mukati magetsi ruzivo chawo. Nokuda kwaizvozvo, munhu anonyora chikumbiro kubhangi, anotaura musimboti dambudziko ndiyo yakarurama dzakakwirira mukana, uye kakawanda kacho zvakakwana vagadzirira kuwana mhinduro yemubvunzo wako. Somuenzaniso, kana munhu ari kuda chinhu apo "Delta Credit Bank" kero muMoscow kana St. Petersburg, ichi mamiriro zvemari, ine zvose mikana kuwana mashoko zvakarurama huripo Database.

Statistics yakabudiswa nhamba anopa anoratidza kuti vanenge 70% of kubhengi kuti vatengi kugadzirisa zvinetso vasangana pasina kudana rubatsiro dhesiki. Kuti, kuwana mhinduro iri kare kuumbwa Database.

Chimwe chinofadza chepfungwa "Delta Credit" rakapotsa inofambiswa mugadziriro - ine zvakawanda zvokusarudza kuti kutaurirana pakati mubhengi racho vatengi (uye kwete chete vashandi kwemutongo tsika). Sezvataurwa dzinoverengeka zvinyorwa, vanenge 12% of queries re nokuda vatengi rwezvemabhengi mabasa, "akavharwa" nokuda zvakataurwa nevamwe vatengi.

anokwereta 'kupima zvigadziriswe

Sezvatakamboreva, kuti chidimbu, iyo unyanzvi mubhangi "Delta Credit" - mumwe mogeji. Sezvo pamanyorerwo yebasa hunosanganisira kwenguva refu pamwe mutengi, ayo solvency kupima zvinodiwa zvinofanira kuva pakati nepakati. Kureva rumwe rutivi, kubhangi haafaniri kubvumira issuance yemutoo wezvikwereti kuti anokwereta vane mubvunzo manyuko mari uye zvinogona vasina kugadzirira chirango zvemari yakaoma. Kune vamwe - yakasimba nzira havafaniri kudenha unozeza kushanda dzingangoitika yeGmail.END_STRONG-kubhengi sangano zvemari.

Bank "Delta Credit", kushanda vairairwa vachishingaira kuvandudzika kwavo chikwereti scoring hurongwa. Mumakore achangopfuura, kusimbisa pano anoiswa pamusoro muitiro kushandisa michina. Chisarudzo chokupedzisira pamusoro chikwereti achiri anotora vanhu, asi dzaanadzo imwe multifactorial inowira mashoko aongorora yeGmail.END_STRONG wacho solvency, kukumbira chikwereti wakarongwa yakakwana akadzama. Mumwe zvinogadzirisa izvi Somuenzaniso, kunosanganisira chigadzirwa, razova mugumisiro yakawiriranwa kusangana pakati CRM-modules uye Analytical nehurongwa akapa pamahombekombe anozivikanwa pezvitsiga Microsoft sandara, uyewo dzavo Databases "Delta Credit" uye vaya vari inopiwa nemasangano naye.

Automating pfungwa sarudzo nyaya anogona kuwedzera zvinonyatsorehwa negoho chikwereti vatariri kubhangi, kuderedza kuyeuka operative mari, kuvandudza ichinyaradzwa nemakasitoma pachavo, vasina refu kumirira migumisiro nokuongorora nemibvunzo. Cherechedza kuti zviwanikwa mamwe chikwereti scoring hurongwa kunogonawo vakwanise uye vamwe "Credit Delta Bank". Mafomu makasitoma avo anogonawo vakaongorora mu yechinangwa zvoga algorithms.

zvoga hurongwa basa

Kazhinji, sechivako nhengo IT-zvigadzirwa inosanganisira kuongorora nzira mbiri - zvakananga mashoko pamusoro anokwereta uye kunanga mashoko nezvazvo. Somuenzaniso, pasi tsanangudzo yokutanga ndiyo tinogona kudzidza kuburikidza chikwereti nhoroondo mugari wenyika zvoga Mabatiro chepurogiramu muhofisi rakakodzera kana zvimwe akakodzera Database. mhando iyi chikumbiro, kazhinji anoita CRM-system (sezvo rimwe dzichipfekeka chikamu chigadzirwa). Zvisina kunanga mashoko pamusoro anokwereta - a yerudzi rutsva kuitika kuratidza kubatikana pamahombekombe Russian. Pakati zvinokonzera kuti vangave anobatanidzwa iyi - nhamba mubhadharo mabasa, Kuwanikwa hunoshamisa fines, mashoko kubva network, Geolocation ruzivo zvisikwa. All zvaungasarudza izvi, "Delta Credit" vanogona kushandisa kwavo zvoga ino kupima solvency ose anokwereta.