MariMabhanga

"Finance uye Credit": matambudziko. Reviews kuti bhangi vatengi

"Finance uye Credit" iri nematambudziko kwenguva refu. Kare, aiva mumwe pamahombekombe kupfuura, uye nhasi anenge dzotsauka pasi munhau. Dambudziko iri kuti hurumende aramba kutsigira basa zvemari masangano. Uye Mr. Zhevago ndiyo chido kare anyangarika. Brilliant nyaya Zirume kuti musika mari, yakatanga muna 1990, anenge yakaguma mumatsutso 2014.

Patrimony, akaita kana sei Empire Zhevago

Department of "Finance uye Credit" makei yakabudirira akashanda munharaunda Ukraine, tichishumira ezviuru yepamusoro vatengi. Nhoroondo mari pamusika vaRefaimu akatanga muna 1990, panguva apo State Bank of USSR vakanyorwa kambani se "yechiUkraine Commercial Bank of Business Cooperation". Varidzi itsva tsika akapa sangano zvemari mutsva rokuremekedza mumakore 90. Patinosangana havaoni matsva ukuwo vamiririri yechiUkraine "zvikuru nomwe":

  • Medvedchuk.
  • Surkis hama.
  • B. Zgurskaya.
  • Yuri Karpenko.
  • B. Gubsky.
  • Yu Lyakh.

Vaifarira mubvunzo kuisa kupi mari dzavo kuramba kuti vakagamuchira, anotora rutivi remasangano rokupedzisira chepiramidhi mari inonzi "Ometa 21". Ndizvo vakauya anozivikanwa munyika yose, "Finance uye Credit", musoro iyo kwakasarudzwa kuisa Konstantin Zhevago, achiine chete mudzidzi.

Footwork

Kubva maminitsi ariko ane yoku- shanduro kubhangi wokutanga musoro wake akatanga kutora matanho, kushandisa zvinhu yokusvika basa makuru-pamwero zvemari marongerwo. Nhasi kubhangi, "Finance uye Credit" - kusauka, uye kare akanga hombe mutengi-doroguschih migove uye mbambo panzvimbo dzakasiyana-siyana kuUkraine makambani. Management kuti masangano kukwezva wokumwe guta. The yakakurumbira investor raiva I. Buckeye, iyo akaita rakakura kuchinja mudzimba masangano ari Mini-Switzerland. On mari nemamiriro nhoroondo hwakagara mipiro uye enyika vavengi, uye maindasitiri mapoka, uye mhosva uye Semi-mhosva hurongwa. Pasinei basa kuti masangano voruzhinji bhora, shoma mubasa Inter-kubhengi zvokutengeserana uye pusa zvikwereti kuvanhu, aigona kugara kumusoro pamusoro chepamusoro ari NBU. Maererano kubhengi "Mari uye Credit", matambudziko rakatanga tichishandisa yapfuura, kusvikira kusauka haana kunaka nezvaro uye mashoko.

matambudziko okutanga

Matambudziko okutanga nawo guru zvemari masangano yechipiri yezana 2008. Zvaive munguva iyi muUkraine yave akakungurutsa nefungu dambudziko. Panguva iyi, kubhangi, "Finance uye Credit" achitungamirirwa Zhevago akaita ikava nezvekumwe yezvokutengeserana chimiro, waimira pamberi boka CEO. Raisanganisira hapana asingasviki 60 makambani uye mabhizimisi. Zviri izvi masangano Zhevago uye vaiva chikuru vatengi kuti kubhangi kuti vatengi, uye kugamuchira kwavari vatowanda akanaka kufarira rates anoyevedza mazwi. Zvinogona kunzi kubhengi "Mari uye Credit" (akaridza akapotsa chete muna 2014), ipapo akaenda mberi Mukuziva ngozi jeopardizing chokupika ayo mitoro kuti vatengi. Muna 2008, mari masangano akawanda nezvinetso, asi kwete dzakawanda vanhu vakagamuchira mari kubva National Bank. Zvinofadza chaizvo kuti mugove guru akapa weshumba rave zvinobudirira yakawandisa yokufungidzira mukati wokumwe Exchange pamusika.

Zvinouraya 2009: The wokupedzisira Tariro

Muchirimo 2009 rakanga dzinouraya kuti bhengi. Zvakatanga zvinetso mabhizimisi akadai "AvtoKrAZ" yamira kugadzirwa panguva isina isingasviki mitanhatu mwedzi, uye "Kyivmedpreparat", iyo defaulted pamusoro mhando unyanzvi nyaya zvisungo kuti akavimbisa default chaiyo. Difficulties vaivawo pamusoro "Stakhanov Wagon Company", izvo vakakundikana kuwana maodha 2009. emakambani zvose izvi anazvo Zhevago. By ane anotambudzika sezvineiwo, pamusoro chaipo nokupererwa default panguva uye ndiwo kubhengi "Mari uye Credit", iyo dhipatimendi yakabudirira vakashanda yose Ukraine.

Anotora chikwereti kubhengi?

Tsika zvemari akatadza kudzorera mari, kwete chete kune vanhu, asiwo kadhi mamiriyoni 70 emadhora pamusoro, izvo zvakatora kubva zvivako akadai Raiffeisen Zentralbank, Standard Bank uye "VTB Bank". The Bank akanga asingakwanisi kubhadhara kunyange yechimbadzo kwezvikwereti. The chikwereti Portfolio nguva yaisanganisira vanenge 35% yemutoo wezvikwereti chikwereti chakanga anenge mabhiriyoni 4,85 Hryvnia. Munguva dzenhamo, tsarivshem apo chikamu ichi chikwereti ari kuchinja Kutamiswa kupinda muchikwata che tariro. Bank nyanzvi vakafunga mamiriro ezvinhu uye akazivisa kuti kuramba kupfungwa yerera kunoda kapitalovlivany kuti $ 5.5 billion Hryvnia.

Workaround matambudziko

Management of Bank, "Finance uye Credit" (Kiev) muna March 2009 anoita sarudzo panguva imwe pamusangano unoshamisa kukumbira rubatsiro kubva hurumende. Kana tikafunga kuti kudzorwa kubudikidza pakagadzwa, mu zvakafanana aiva mutungamiriri BYuT uye Party akanga zvose kupfuura mupinduriri kuti chikwata ichi, chakanga chaitwa Cabinet pakati Vashumiri akanga akanaka kwete chete asiwo chiriporipocho chaizvo. Saka, "Finance uye Credit" pamahombekombe, vane matambudziko havasi kuenda, anopinda mazita masangano nomwe zvemari kuUkraine, izvo capitalized neHurumende bhajeti. We anokwezvera yokuti mari vaigona kubatsira kugadzirisa dambudziko kuripwa depositors uye deposits, vakanga akaita nenzira yakasiyana negwara. Nhasi, "Finance uye Credit" Bank akadzivira pamusoro nhandare kuti ari dambudziko isina mari, uye ndiwo anenge mamiriyoni 300 Hryvnia, vakaiswa nechikwereti "AvtoKrAZ" uye "Kherson Cardan miseve Plant". chikwereti izwi iri mwedzi 63 pa 14% chete annum, kana mumusika waiva avhareji mwero kuwanda 26.4%.

Zvakaenda nehurumende uye kusarudza

Tapinda akaundi mari kubva kuhurumende, akatanga okisheni chaiyo. The Cabinet pamusoro Vashumiri ave achishingaira kuda kubva neimwe nemasangano chomumwe nomwe rombo kuvandudza mamiriro anenge 75% of mugove. Uye kunyange zvakanzi achibvunzwa panyaya kubhangi, "Finance uye Credit" zvokungoitawo Kutarisirwa chakatsiva huripo nhungamiro kwemwedzi anosvika 12. mari mamiriro management akabvuma uchatamisa vanosvika 50% of migove uye akapa mvumo yokuti pakatanga mudonzvo kutarisira curator.

Kurambirwa mamiriro ruyamuro

hurumende rutsigiro yakapera apo recapitalization muitiro yazova sandarara format. Kubhangi kuti utariri vakaramba zvachose chero rubatsiro kubva kuhurumende. Pashure National Bank rweUkraine ave dzinounzwa vanenge mabhiriyoni 2,5 Hryvnia kuramba tsika kuti mamiriro, Zhevago akati kuti acharamba kurarama nezvinetso zvavo. Mhedzisiro wokumwe kusarudza chaiva kukundikana mari masangano kuti aite mutengi kubhadhara, kukundikana kudzokera deposits kuvanhu iro mazwi vakafira. kunakidza chaizvo ndechokuti kubhengi "Mari uye Credit", dambudziko riri kuramba chagumbura utungamiri pacharo, ichiri dzinoendesa mari yose iripo sezvo zvikwereti kumakambani Zhevago nhoroondo. budiriro iyi, iyo watopiwa kuziviswa, achisunda kusvikira kutsamwa ruzhinji, uye angaita kuti vakawanda kusagadzikana uye kuratidzira. Panguva panowanikwa matambudziko tsika zvemari anoshanda vanenge 119 zviuru izwi deposits uye iyezvino nyaya dzinenge 217.

Ngwarira, all scammers

Nhasi vazhinji hurukuro nezvokuti kubhengi "Mari uye Credit" - kusauka, asi kuti haagumiri chivako. Tichishandisa kushambadza guru pamushandirapamwe kwakatangwa ichangopfuura, umo vanhu vakawanda vanotenda. Mupiro mberi mashoko "Big Zvinomwe" nezvakanaka kufarira prices. Strange, asi nokuda kwechikonzero vakayambuka akanyarara kuti kubudikidza kutanga 2015 madhipatimendi zhinji kubhangi wacho (zvinenge 80), vakaguma kuvapo. It wakaradzikwa kure dzinenge 20% revashandi. Mutevedzeri musoro tsika aiva imprudence kutaura pachena kuti kambani iri kusangana nematambudziko emari uye Nokurasikirwa pamusoro nguva chete kuwedzera. Kanenge zvinofanira kunge yazivisa hurumende rweUkraine.

Chii vanoita uye vatengi

Vatengi uye depositors yacho kubhangi, izwi deposits iro yakaguma muna 2015, haagoni kuwana maoko enyu pamusoro mari yako. Nehanya kunoitika mumahofisi zhinji. Vashandi pakati kubhengi "Mari uye Credit", zvokungoitawo Kutarisirwa iyo haina apinda, ubudise akazvimirira rollover deposits. Kana yapfuura musi kare kushumwa dhipoziti pachine, nhasi haina kwaiitwa. Pasinei Kuwanikwa mari panguva bhokisi kuhofisi, pamusoro ruoko imwe mari asingadi kupa. The kupfuura vanoita - vaya akakwanisa kupfuura 20% vayo mupiro. Misa kutsamwa haachinji zvinhu. Pakati vanobatwa pane vanaamai vasina uye vakaremara vanhu, uye vanhuwo vadzidzi. Izvi hazvirevi kukanganisa chokwadi vasiri muripo. Mune dzimwe madhipatimendi paiva akachengeteka, izvo anobvisa kubva panzvimbo yeImba Bank vatengi vachishingaira rakaoma mari yavo. Kare, tsika haina kuiswa.

All haina akarasika, pane mukana diki

Pasinei nokuti bhengi haana mitoro aro vatengi, ayo utariri anoramba kutora basa matanho kuti recapitalization. Pamusangano March 23 akasarudza kuwedzera mvumo guru nemasangano kuburikidza issuance pakati migove zviri bhengi uwandu mamiriyoni 616.4 Hryvnia. Nepo kubhengi "Mari uye Credit" harisi pakupedzisira hombodo, uye tariro shoma uchiripo. The chinouraya of migove ari pamusika rokutanga vakauya pamwe 22% guru mvumo (mabhiriyoni 3,4164 Hryvnia). Musangano A shareholders 'yainorongwa kuti April 27, 2015. Zvichafungidzirwa pamutemo tallied uye akazivisa migumisiro kare 2014. Zvichava funga vavakezve hurumende midziyo. Maererano rokutanga kufungidzira kwaiva "Finance uye Credit" - Bank (bazi Kharkiv zvaisanganisira), izvo ramangwana achagamuchira rubatsiro kubva regulator iri uwandu mamiriyoni 700 Hryvnia, izvo zvinofanira kubatsira mitoro vose depositors. Sarudzo iri nokuti kuti mari kuumbwa iri pfungwa 4% vose bhangi deposits muUkraine 2% wenyika yacho zvinhu. The chaizvo chete chikwereti sangano ndezvaiye muchikwata yokutanga.

Chii chinogona kukanganisa kwakajeka urongwa?

Zvechokwadi vanoti Bank "Finance uye Credit" rakavharwa, haabvumiri chokwadi chiito nokuda shareholders. Muchiitiko chino, pane mumwe anofadza pfungwa, izvo zvinogona kudzima zvose akangwara utariri zvirongwa. The kambani Cargill nyaya Chivanze State of New York pamwe chikumbiro kumisa mutauri wemashoko nyaya. The chikumbiro pakarepo akapiwa kusvikira pakuguma zvokutonga zvekufamba. Chikwereti mamiriyoni 44 emadhora ano ichimuremera pamusoro nemamiriro "Finance uye Credit". Bank (Kharkov, Kiev nemamwe madhipatimendi) anopikira ezvidzidzo ari kugadzirisa chikwereti. Guide anotirayira kuti hazvina kuramba mitoro yavo hapana chikwereti. Rave ndaizvipira kuitisa kwakadzama kuitira kugadzirisa dambudziko iri. Sei zvichaitika mamiriro ezvinhu mberi, haisi kuzivikanwa, vanoita anogona chete kumirira uye tariro yakanakisisa. Penyanzvi havatani kunaka Zvaifungidzirwa, regai ushe kubva mukana caffeine mari nemamiriro kuramba tichishanda dambudziko uye zvachose kuripwa mari neimwe vatengi.

Similar articles

 

 

 

 

Trending Now

 

 

 

 

Newest

Copyright © 2018 sn.birmiss.com. Theme powered by WordPress.