Credit mibatanidzwa: zvikwereti mamiriro, zvinyorwa

Credit mibatanidzwa vave nevakawanda zvikuru akapfuura uye harina kumboderera kumhanya uye ikozvino. Zvisinei, kwete anokwereta ose anonyatsonzwisisa kuti izvi nokuda kukura uye sei zvakasiyana kubva kwakajairika bhengi. Vose muitiro achivaratidza zvikwereti, asi ivo vari vangasimudzira zvakasiyana.

Chinangwa nechikwereti mubatanidzwa

First unofanira kunzwisisa chokwadi kuti zvikwereti mibatanidzwa, chikwereti cooperatives kana kushandira pamwe mabhanga havasi masangano zvokutengeserana. mamiriro Izvi hazvirevi kuisa basa iri mari achivaratidza chikwereti. Credit Union rinopa mari vaya vanoda rubatsiro uye inhengo munharaunda. Kupinda sungano yakadaro kunogona kuva munhu, chero maonero ake rakaenderana rakabatana munzanga musimboti. Somuenzaniso, nhengo kadhi mubatanidzwa kungava vashandi imwe kambani, kuvagari nzvimbo kana vanhu vane vagoverane imwe chido.

Nheyo kushanda kwemutongo mubatanidzwa

Credit mibatanidzwa vava rakakurumbira 90s. Zvisinei mamiriro upfumi, masangano aya anosiyana hachichinji. Huwandu deposits yakura zvishoma nezvishoma, saka vadzidzi vaigona kuvimba yakanaka chikwereti.
Pari muRussia mune zvinopfuura 2500 chikwereti mibatanidzwa. Chikonzero akadaro mukuru kukurumbira ndiyo kudekara kuwana chikwereti chiduku kuti hakurevi Urongwa hombe yakatarwa magwaro uye chikamu kukosha chiri isingadhuri zvikuru kupfuura dzokutengesa bhengi.

Mabasa chikwereti mubatanidzwa chinhu nyore chaizvo uye pachena munhu ari mumugwagwa, uye saka vanhu chinokwezva. Imwe neimwe yeboka anobvumirwa kuita deposits, vachibvumira kutarisira kugamuchira mumwe chikamu. Kana paiva kudiwa zvakadaro, ipapo yeboka anogona kukumbirwa kuti vape kwaari mari chikwereti. aikumbira Most akapedza zvakanaka mugumisiro, asi pane pokugadzwa imwe chimbadzo. Nemari inopiwa kuna anokwereta, achiumbwa kubva mari ne makambani, saka kuti ekupedzisira vanopiwa mumwe chikamu. Mukati mezvizvi chakavanzika nokuvapo vezvikwata mhando iyi.

Association of Credit Unions

Panguva iyoyo vazhinji chikwereti zviumbu vane chido kubatana mubatanidzwa chikwereti cooperatives. Kushamwaridzana kwakadaro rubatsiro hunhu uye dzakasiyana-siyana zvainanga kuwedzera kubudirira pamwe mabasa uye kuti rikurumidze kumhanya kwayo kukura. Associations kuti chikwereti masangano pane 2 mhando:

1. Regional Council - co-Operatives, nzvimbo uko kusimbiswa imwe nharaunda.
2. National Union - pamwe masangano chikwereti iri zvapo Russia.

Union chikwereti cooperatives - ibhuku kwemutongo pamusika, ane basa iri nechokwadi kwazvo rokunyaradza ezvinhu uye yakakwirira mwero chikwereti dzidzo yauinayo. Tikatora kushamwaridzana dzakazonaka chikwereti pamwe dzokuwedzera mari uye zvimwe zvinhu, izvo zvinoita kuti chigadzikiso zvinetso zvakawanda asingagoni kukurira yoga chikwereti mubatanidzwa. Mabasa anoitwa riri siyana chaizvo uye zvinoenderana nezvinodiwa pamwe.

Services inopiwa wesangano chikwereti cooperatives

Credit Union Association kudzidzira kupa:

• Technical services, izvo kunzwisiswa se: mushandi kudzidzisa zvikwereti cooperatives, pamwe kukwidziridzwa pamisika, achitaura nyaya chokuita kushanda uye kurapa pamwe hurongwa.
• Financial services - yokubvunza zvainanga computerization yevashandi maererano liquidity zvekushandisa uye kwemari mativi chikwereti pamwe, uyewo kugadzirisa nyaya chokuita basa iri uwandu deposits vari chikwereti mubatanidzwa.

Associations kuti chikwereti zvikoro vane siyana kodzero uye mabasa. Somuenzaniso, zvinokwanisika kuti govera chikamu Union kuti mabasa:

• vanobatsira nokuongorora chero nhengo pamwe nyaya ehurumende kana simba renyika;
• uvandudze magwaro pamutemo;
• Kugadzirwa mabasa matsva;
• kudzora chikwereti pamwe racho.

Uyezve, Union chikwereti cooperatives mukuvandudza kwematunhu uye omunyika mugadziriro zvemari yakawiriranwa rubatsiro. The Association inozviita kuita tsvakurudzo basa, chikuru basa riri kuona nzira itsva yokuita bhizimisi.

The chikwereti mubatanidzwa rakasiyana mubhengi?

The chikuru kusiyana mbiri pamwe kubva pamahombekombe:

1. Kusiyana mabhanga, chikwereti mibatanidzwa havatsvaki kuti purofiti nourongwa mari kuti zvikwereti.
2. By paumbwe mbiri mabasa anogona kushandisa chete mukutsirani uye yeGmail.END_STRONG mujinga bhangi haina kurambidzwa.
3. Mabasa Union haagoni kunzi ruzhinji. The sangano uye mutengi nekutaurirana ne mumwe pahwaro nhengo, ukama hwavo hakusi nemhosva.
4. chikwereti mubatanidzwa nhengo kunogona chete kuva mugari, munhu. Mukuwedzera, vanofanira kubatana imwe nzanga, vanofanira kuva kujairana nomumwe. A inokosha basa iri reDare ekupedzisira ezvinhu, zvinoratidza yakawiriranwa basa.
5. Credit mubatanidzwa haagoni kuisa mipiro yose shareholders. Mari yakagamuchirwa mbiri pamwe anofanira kuparadzirwa pakati shareholders kana kuudzwa isingadhuri mabasa, kuti anofanira kuva nzira zvinobudirira zvidikanwi mubatanidzwa nhengo.
6. Kuchinja chikwereti pamwe inofanira wezvikamu kugamuchirwa nenhengo dzose pamwe, depositors, anokwereta uye kushanda netsvimbo.

Pamusoro "New Credit Union"

Bank "Credit Union" riri vadyi kudanda vezvokutengeserana rwezvemabhengi sangano, vane pfuma mambure unganzi hwakanyatsorwisa pakati kadikidiki. sangano iri kwapfuura pamutemo kunyoresa muMoscow. Akatsanangura tsika zvemari kunyanya iri guru Russian.

The chikuru nzvimbo yebasa zvinonyanya vachishingaira kutanga chikwereti kambani iyi, inosanganisira:

• Urongwa bhangi chikwereti kuna yemakambani vatengi;
• Implementation rwezvemabhengi nhoroondo pamutemo masangano;
• kukwidza mari kubva vagari Russian kuburikidza kumahombekombe deposits.

Kana isu kutaura bhizimisi, zvinganzi kuti kubhengi "Credit New Union" iri pasi azvipire kukura.

The havaoni of "New Credit Union"

JSCB "New Credit Union" duku yezvokutengeserana bhengi vaite kukweretesa uye SERVICING yemakambani nyaya. Kugadzirwa bhizimisi pamusoro Bank kushanda kwete kuroorana, kuti riwedzere nechigadziko zvinosanganisira zvakawanda pachake mari yayo.

The havaoni dzidzo mbiri, makasimbiswa muna 1994, ndivo zvinotevera masangano:

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

Kodzero kukwezva deposits "Credit New Union" vakagamuchira muna 2009.

Mitero chikwereti mubatanidzwa zvipo

Zvinofungidzirwa chikwereti mubatanidzwa mvumo neDare Supervisory Board anomiririra zvinodiwa nenhengo mbiri pamwe munguva pakati rwevanhu misangano. The kufungidzira kunodikanwa kuitira kuti vakwanise kuronga kwemari uye zvekushandisa mativi. Kwainyanya mari - ndiyo mipiro uye havashandisi mari zvinosanganisira zviri mbiri pamwe uye Implementation pakati mitemo zvinangwa, kwakavakirwa zvavo aitarisirwa mari.

Article 19 Mutemo pamusoro Credit Unions inoti chikwereti mubatanidzwa zvomumwe hunosanganisira: suo mari yechikoro, runodiwa Nokutendeka zvipo, dzimwe mari dzinotambirwa mbiri mubatanidzwa (kunze deposits yakaiswa dhipoziti nhoroondo), charitable mipiro.

In n. 4 tbsp. 157 of Tax Code anoti pasuo madikanwa, zvokusarudza uye earmarked mipiro kwemutongo mubatanidzwa asina kutora mutero. Muchiitiko chino, mipiro vakagamuchira kubva mumwe munhu kana sangano repamutemo pasi mitero.

kupinda kubhadhara kudzokera apo vachisiya chikwereti pamwe isina kuitwa, uye kuripwa mugove uye mamwe kubhadhara zvinofanira kuitwa maererano chikwereti mubatanidzwa wacho chata.

On ezvinhu zvakasikwa

Credit pamwe zvinogona akasika chete kana paine vanhu vanenge makumi mashanu vakabatanidzwa chimwe chizenga. Mumwe mutsva chikwereti mubatanidzwa inofanira kuva guta yayo, aumba kubva kunyoresa mari zvevanhu.

Mumwe mukutsirani ane vhoti, iro zvisingaiti kumedura kana kushandura, hazvina hakunei nouwandu pasi muripo, kana kubva panguva kupinda kuti chikwereti mubatanidzwa. Tanga yakafanana paumbwe munhu uyo anosaina pedyo pamwe, uyewo munhu rakarumbidza kuti anenge mumwe vechikamu. Time hapana kurambidzwa.

The chikuru zvakanakira nechikwereti mubatanidzwa

Songaniro akadaro chinonyanya kukwezva pakuti zvose pachako zvinoreva kushumira vomumatunhu yose inowanwa guru, zvabatwa. In zvinoitirwawo kudiwa chikwereti mubatanidzwa nhengo vanogona kuvimba akanaka nechikwereti aifanira kugadzirisa munzanga, utano, pekugara nezvimwewo zvinodiwa. Ose mugari uyo chave chikwereti mubatanidzwa anogamuchira chikamu raanotaura bumbiro.

Credit cooperatives zvinogona kufananidzwa rokutengesa bhengi kushanda sezvo kugoverana yakafanana mabasa uye masimba. Asi pane pakati pavo uye chinokosha musiyano, kureva chinangwa nebasa masangano aya. Wokutanga inopa mabasa zvemari uye asingauyi kutevera vawane mari, uye wechipiri zvakananga zvavo zvose kwekushereketa kuita purofiti.

Chii mari anofanira kuripa nhengo kadhi yanana?

All mibatanidzwa chikwereti, mutengi kudiwa kubva apiwa pavanopinda mutengi kuita mari, izvo kuenda abhadhare:

• Membership kubhadhara - mari vakabatsira ne mumwe mukutsirani itsva, uye nesimba kufukidza mari mbiri pamwe uye kuona kwayo enguva dzose.
• Entry kubhadhara. muripo uyu rinowanika chete mune dzimwe cooperatives. Kana zvandinovimbisa ichi chinyatsotsanangurwa ari mutemo, mari inobhadharwa nokuda mukutsirani ndiko reissue magwaro yokugadziridza huripo pepa mabasa zvemitemo, uye zvichingodaro. D.
• Share mupiro - nemari, akatendeuka kuva nechikwereti yanana zvomumwe uye vaifanira kutsigira mabasa inotungamirwa. Share mupiro anogona kunge fanira kana yokuzvidira.