Kubhengi "National Credit": matambudziko. Kubhengi "National Credit" rakavharwa?

Kubhengi "National Credit", dambudziko rasvika Parainge muna 2014, yakavapo muna 1993. Zita rake rokutanga "Shark" yatova pamusoro "National chikwereti" akatsiviwa muna 2000. Kare muna 2008, tsika zvemari akawedzera nzira yepamutemo chimiro shanduko. Limited kuita modernized kwemajoini wemari kambani muna 2009. Muna December 2010, "Credit People kuti" Bank, iro zvakanga zvamboshandiswa chete wongororo akanaka, awana 25% kuti "Bank of Khakassia." Papera chinguva, nhamba migove yakanga yawedzera kusvika 76%. Pakazosvika 2011, Khakassia zvemari sangano rezinesi rakanga rarambidzwa zvizere chokuita kwemapazi. Kubhengi "National Credit", matambudziko rakatanga nokuda yakaderera liquidity, dzinodzorwa mhuri Antonov.

mbiri kare

The Bank akashanda panguva Central Bank rezinesi uye aiva shamwari kuMoscow. Tsika zvemari aiva nhengo Association wokuRussia Banks uye mukwikwidzi ezvirevo Deposit Insurance. Pamutemo mugove guru boka rakanga mabhiriyoni 1,8 rubles. Yakawanda noumhizha kwakasvika akaenzana $ 4.2 billion. The Institute aiva chinzvimbo nevanotonga nhengo dzakawanda mubhadharo nehurongwa Visa Inc. uye Mastercard WW. Munguva yapfuura, kureva sangano hwagara akasimbisa solvency pakati tsika uye ibasa mumwe woga A maererano pamwero wenyika.

Mumakore maviri chete vasati vakatanga kuonekwa inoti "chikwereti People kuti" kubhengi yapera, sangano rakanga paakavapa "Financial Olympus". Mugore remunharaunda rezvebonde mamiriro raiva 9 mapazi uye mamwe mahofisi vamwe 35. Institute of History nguva haana kunyange wakarwira nyoro pamusoro mamiriro. Zvakasimba chikwereti Mutemo nguva dzakanakisisa akabvumira kuti asvike kukuru liquidity.

Chii chakaitika kuna bhengi achangopfuura makore

Mumakore gore mari sangano kushanda pasi nokurayira Central Bank, iro rinongotaura nezvokupindira vanhu 'deposits. murayiro uyu akagamuchirwa muna July 2013. Uyewo, kuwedzera zvokukwegura of Central Bank of Russian Federation inokurudzirwa zvakasimba Activate reserves zvose kusangana ayo mitoro kuti depositors. Nezvemabasa wavhomorwa kuti chokwadi kuti tsika zvemari pacharo kumbobvira vakatevera hwehasha mutemo kukwezva deposits. matanho akadaro atorwa somugumisiro rakadzika liquidity yacho tsika.

The anonongedzera yokutanga dambudziko

Yokutanga atadze kushanda zvakanaka zvaiitwa pakuti "National Credit" Bank akatanga akadzika deposits kunze mitemo. Apo vanoita akatanga vasvike deposits avo, vakanga nezvengozi zuva panogumira Institute uwandu 25 zviuru rubles. Vanhu havana kuwana maoko enyu pamusoro zvose zvinobatsira mune zuva rimwe. Taifanira kufamba kwevhiki. Kunyange zvakadaro, kana tichienzanisa nedzimwe masangano zvemari, izvo vakaramba zvachose kuita mari, uri avaida kusauka "People ndechokuti" kubhengi wongororo idzo nguva dzose aiva yakanaka yokureva, anenge zvakazara akabvuma yaro mitoro. Pasinei dambudziko, kudana centre mudonzvo kuramba akapindura mibvunzo yose uye anopa zvakawanda mashoko rimwe nemhosva. Kudzivisa zvinhu collapses, bhengi vashandi vanogara wazivisa vatengi kuti dzimwe mari vari munhare, uye vakawanda nhoroondo dziri haritsigiri.

Kuedza kugadzirisa mamiriro ezvinhu

Mukuedza kugadzirisa mamiriro ezvinhu JSC "Bank" Credit National "ari kuedza kuwedzera liquidity akakotamisa mubereko prices pamusoro zvikwereti. Chirongwa "Vanhu" yava kusimba inokwanisika. In pamberi rubatso kana rubatso chimbadzo pamusoro zvikwereti kusvikira rimwe gore rakanga 16 chete%. Apo nguva yose chikwereti kubva gore rimwe makore matatu, kuti chimbadzo yaizova akaenzana 17% chete annum. Kana chikwereti nguva iri makore anopfuura matatu, mwero pairi raitongwa pa mwero 18%. Zvikwereti iripo nokuda vatengi vasina chinhu rubatso kana rubatso. Zvisinei, muchiitiko ichi, kuti chimbadzo akasimuka 18%. Kana iwe kumhanya Kudyidzana kubva 1 gore kusvika makore matatu, kuti chimbadzo yaizova 19% pa annum. Kana munhu anoda kubetserwa asarudza kutora chikwereti kwenguva yemakore mashanu, kufarirwa pamusoro chikwereti yaizova 20%. Bayirai akaita mumahofisi zvose, kusanganisira mune rimwe guta akafanana Abakan. Kubhengi "National Credit" haana kuponesa kunyange apererwa kusarudza: asi liquidity mamiriro ezvinhu hachina kuchinja.

On kuti zvisarudzo pamusoro liquidation of rezinesi?

Chisarudzo pamusoro liquidation pamusoro rezinesi chakaitwa pachishandiswa itsva yaitonga nemishumo. Mashoko akati "National Credit" kubhengi iri nematambudziko haisi diki chokuita liquidity kuderera kusvika 50%, uye pakarepo liquidity reshiyo inenge 15%. Tsika zvemari haana kuiswa kuti nehurumende vabatsirwe maererano chokuti panguva yakaitwa hurukuro makambani, anoda kuti mupiro mukati uwandu $ mamiriyoni 100.

Kutanga mugumo

Pashure kutambira mashoko kubva NBU vatengi kuti JSC "Bank" National Credit "kuti kukundikana mitoro ake, zvokungoitawo Kutarisirwa akagadzwa kupfungwa zvemari. Kutangira October 1, 2014, zvokungoitawo Kutarisirwa kudzidzisa zvemari kuongorora zvinhu. Pamusoro zvachose kurasikirwa hwakanyorwa pachine pachake guta. Kwakasarudzwa kuti hazvibviri kuti umutse solvency yechivako chacho, uye chero aizomupa kubva hurumende haangavi musoro. Zvakabuda kunyatsoongorora zvinhu dikidiki Authority akasimbiswa hwaro kugumiswa basa mari urongwa se "National Credit" Bank. Revocable rezinesi chete nyaya kana ane sangano iri asingachakwanisizve kunyange mari kubva kuhurumende rokuita rose gore yose zvayo sungiro kuti depositors uye zvikwereti. The ezvinhu chaizvo zvinoenderana mutemo.

Jobs yakayerera ane vachida

Pakarepo mushure kupenya liquidity "National Credit" Bank akatanga kuona matambudziko haisi diki, pasinei Rumhangapanga kwebasa, zvinoratidzwa kwerunyararo redzimba uye voruzhinji utilities zvirongwa. Zvikwereti kuvanhu chakaita kuti 3 chete% of chikwereti Portfolio, chikuru yesangano ane mugove 70%. On Mari evanhu chakaita kuti chete 23% kubva munataisireva. Residual mari yemakambani nhoroondo chakaita kuti 22 chete% guru. The migove uye manotsi mudzimba nemabhangi chakaita kuti 19 chete% kuti mambure zvinhu. Interbank sangano mumamiriro ezvinhu akawanda, aiita somunhu anyatsoronga. Aine anokudzwa kufungisisa kuti zvinhu kuti munataisireva ari zvebhizimisi basa aiva pasi profitability.

The vasanyanye

Maererano nenhamba kubva National Rating Agency, "National Credit" Bank revokes marezinesi izvo nokuda yakaderera liquidity muna 2010 aiva mambure purofiti mamiriyoni 20.9 rubles. Mugore rapfuura gore nhamba iyi yakanga dzinokwanisa kurei uye vakasvika mamiriyoni 107,2 rubles. Izvi kutura kubhangi kuti 149 chinzvimbo chepamusoro, uye Akakwezva ari Deposit Insurance Agency. The Kuderera aona mumahofisi zvose uye mapazi madiki, akanga asingasiyi neguta Abakan. Kubhengi "National Credit" vakatanga kupa pasi, kunyange kunze hapana hapana zviratidzo dambudziko.

Vakarongeka kupera ngano

Kubhengi "National Credit" rakavharwa pasina chikonzero. Kuwedzera kushaya liquidity, zvokungoitawo Kutarisirwa akadzidza kuti mutengo chevanorwara zvemari kuti zvinhu hazvisi vanopfuura mamiriyoni 14,121 rubles. Panyaya mitoro kuti depositors uye chikwereti, ivo pamusana anenge 16 854.8 miriyoni rubles. Chikonzero musiyano ichi chakavanzika kuti ape rokutanga vasiri kuita zvikwereti, izvo vakasvika mabhiriyoni 10.2 rubles. Uyezve, chokwadi hwakanyorwa kutenga illiquid wevimbiso manotsi uwandu bhiriyoni 1,8 rubles kubva makambani ane kero akarongwa ari magwaro regai anoenderana chokwadi. Pakave unhu chepfuma pakati tsika zvemari mune uwandu bhiriyoni 0.2 rubles. Kubva regulator vakagamuchira mashoko kuti basa vakaperekedza mhosva mashandiro avo. Mugumisiro manipulations izvi ndizvo zvinopfuura pachena, uye zviitiko zvakanaka havafaniri hunge. Pasinei chokwadi kuti vakawanda makambani shure mari dzavo zvisakakwana, zvazvinosarira vazhinji vevaya vane kurasikirwa kuti kubhadhara sangano inishuwarenzi iri ramakanzi kwadzinoita murau.