"Mast-Bank": rezinesi yakabviswa? "Mast-Bank": deposits, Tera, wongororo

Rimwe zvikuru zvemari masangano ebhizimisi, kuumbwa 1995, aizivikanwa musika wokuRussia nemari se "Mast-Bank". Achinje rezinesi kana kwete, isu anofanira kunzwisisa mberi, asi kuti ikozvino kutanga kare.

The chikuru vadyidzani pamusoro nemasangano private vanoita uye Entrepreneurs diki, diki uye svikiro kadikidiki bhizimisi. Imwe dzakabudirira mabasa vachifarira nomumwe Entrepreneurs basa. Kazhinji, tsika zvemari inopa yakazara siyana rwezvemabhengi mabasa, izvo zvose zvakakwana kugutsa nomumwe zvinodiwa uye kusangana zvido Entrepreneurs. Pane zvinhu zvinoverengeka chaiwo zvigadzirwa.

-Siyana mabasa

Bazi "Mast-Bank" muMoscow - ichi hachisi mumiririri chete chevanorwara zvemari. At kurasa kubhangi kuti vatengi vane mapazi kunze guru, mamwe mahofisi, uchishandisa mari desks uye ATMs. Pakati dzinokosha mabasa ane zvebhizimisi vangazivikanwa remittances uye zvikwereti, zvirongwa dhipoziti uye kunyoresa nemakadhi. Zviri nezvaanogona izvi vatengi sei nenzira yakanakisisa.

Sezvo munyika zvikuru mabhanga, "Mast-Bank" rine ayo paIndaneti basa pachavo. Kubvira 2005, tsika zvemari ane pamutemo nhengo Deposit Inishuwarenzi System (Zvanzi). Izvi dzakazonaka mikana maererano munyengeri uye bhuroka mabasa. Available kuchengetedzeka utariri uye mabasa chokuita encrypted ruzivo. Vatengi vanoti nyore uye kusanduka Panodyidzanwa zano, uyewo Kuwanikwa zvakawanda rwezvemabhengi vaitaura.

Rating sangano

Maererano vakawanda nyika kureva masangano Rating rakavimbika "Mast-Bank" wacho mukuru. Mukutanga zvokukura tsika yakanga yakakwirira chikwereti Rating - pachiyero A, pakupera 2014 Rating iyi downgraded kuti B ++, riri chakakodzera chokukomborerwa rakavimbika tsika. Agency Zvaifungidzirwa kare kunorondedzerwa nayo dzokutengesa raaiita kutanga, nhasi nayo akapa mamiriro yakatsiga.

rudado unhengo

Nhengo Moscow Interbank Stock Exchange, nhengo Association of Banks Russian, mumiriri mvumo kubva zvakadai mubhadharo enyika sezvo Mastercard Worldwide uye Visa International - zvose izvi "Mast-Bank". It revokes kuti rezenisi iri tsika? Sezvineiwo, mashoko aya yakakanganiswa kune chevanorwara zvemari, havana kuita. Enterprise sei kushanda, uye basa, ndizvo nenzanga interbank zvemari kukurukurirana mhando. Uyezve, kuumbwa ndiye shamwari vakadaro mari kuchinjirwa enyika se "Unistream" uye Contact, Migom uye Western Union.

Kutanga matambudziko pfupi?

Taura nezvokuti tsika zvemari "Mast-Bank" rezinesi yakabviswa, vakatanga kubva chokwadi kuti panopera 2014 kusvika 16 pana December 17, yakatakurwa kuti asimbise operative mabasa mabasa ayo. Kubva pamutemo manyuko, yakasvika pakuzivikanwa kuti Interior hwoUmambo uye Federal Security Service akaongorora kubhangi, sezvo akanga vaifungidzirwa kubatanidzwa mune zvisiri pamutemo kuba mari kubva bhajeti. December 16 vamiririri kwemiviri mvumo yokutorazve zvachose zvemari sangano raJehovha zvose servers, apo mashoko ose yave kutevedzerwa.

Vhunduka akasimuka kubva tsotsi nyaya kuba mari yokuvaka ane oceanarium pachitsuwa Russian, iyo yaita kuti basa rokuvaka iri Far Eastern Federal District, uye kuvakwa Russian zambuko pamusoro Eastern Bosphorus Strait, iyo "Mostovik" dzaakapiwa maNGOs. Andrew uye Oleg Poplavsky SHishov, mamaneja kuvakwa makambani, akanga akasungwa ne TFR, ivo vanoonekwa nemakasitoma pakati kubhengi.

sakodzera vhunduka

Munguva kubva 16 kusvika 17 December, pakati vakawanda matambudziko uye unopinza achamuka dhora vakatanga kutya pakati depositors. Hofisi chikuru haina kushanda zuva rimwe, uye vanoita uye nemumwe nemabhangi vakatanga kushingaira dzinobvisa mari dzavo. Kubhangi kunyange akati kuti tsika zvemari asingashandi nokuda kwokushaya magetsi, asi haina kutamba zvikuru basa. Somugumisiro, yakaumbwa refu pamwe nekurutsa uye yakakwirira kuerera zvikumbiro kwaita kuti vamwe bindepinde basa.

Runyerekupe kupararira kuti mari sangano "Mast-Bank" rezinesi yakabviswa, uye kuti bhanga iri kuedza kutora yakawanda nemari rubles pasi 30% pa annum pamusoro interbank pamusika. Both mashoko vave nokukurumidza kare akapikisa. Guta guru racho anodhinda nhau akazivisa kuti kushaya kuti rezenisi mazuva mashomanana, sezvo CBR kubhengi anorasikirwa kodzero kupa minamato pamisika yemari mudzimba nokuda zvisiri pamutemo kuchinjwa budgetary mari munhoroondo makambani yokumwe.

Chii pamusoro?

Zvinhu yakanga kunyatsopedzerana musi December 29, apo vamiririri nomazvo zviremera vakazivisa kuti havana kutaura pamusoro sangano "Mast-Bank". Reviews pakati pamahombekombe panguva ino chaiyo nguva vakatanga kuonekwa kunaka. Maererano mapepa, ayo abviswa sangano, chero zvikwereti zviri pasi 30% chete annum haana kukumbira chinhu zvinetso akasimuka pamwe nemumwe mabhanga. Kutsamwa vakasonganira yokuti tsika zvemari havagoni kubhadhara dhora-denominated deposits. Serimwe rinogona kutsiva, iye zvinganaka vaizoitwazve yokumwe mari deposits mu rubles.

Mamiriro pamusika mari yenyika, apo vakawanda nemabhangi nyore vakaramba kuzadzisa ayo sungiro uye akataura pachavo kusauka, rinojekesa kuti basa Institute (panguva interest of Central Bank of Russian Federation 17%) akaramba ari mukuru pamwero, kunyange asina vakakwana. Vamiririri mvumo yacho kubhangi akasimbisa chokwadi kuti munguva kubva December 17 kusvika 22 mahofisi CB "Mast-Bank" chaizvoizvo tikurirwe vatengi. The mhaka Chiitiko vakatanga nematambudziko asina pfupi uye hurumende nokufungirana rakapinza kusvetuka kubva Ruble uye apererwa kuedza makambani kuchengeta chinenge chikamu mari dzavo. At yepamusoro nguva basa rakanga richiitwa munzvimbo dzose rudzi rukuru sezvinobvira.

The kusimba kunakira munhu pa

Kutanga December 2014 uye March 2015, pasinei zvakawanda ezvinhu, "Mast-Bank" rakawedzerwa kuti deposits nokuda kusvika 43%. The zvachose mubhizimisi oga vanhu vakasvika mabhiriyoni 15.4 rubles. Nhamba iyi zvinosanganisira mari mushumo masangano. Vanenge mabhiriyoni 3,5 rubles kwakawedzera private deposits vane nguva kubva 91 kusvika 180 mazuva. The mamiriro ezvinhu aiva hwaro chii wakaiswa panguva sangano akakwirira "Mast-Bank" (kureva achibatsirwa renhoroondo masangano nzvimbo). Chikonzero chaiva yakakwirira usava mari chimbadzo pa 22%.

Yakanaka chikwereti mamiriro

Pashure pokupedza kuferefeta zvose mabasa kubhangi vakanga ndokutangazve. Wongororo zvakanakisa Kudyidzana ane mari sangano anokwereta siya. Maererano navo, kudyidzana zano riri tefa chaizvo. Zvichienderana chikwereti mapurogiramu iripo chimbadzo kubva 23% kusvika 33%. achirumbidza kumwedzi anobva 36 kusvika 42 mwedzi. Kufadza dziripo kukura mutengi mbiri anoenderana 250. zviuru rubles. For Entrepreneurs uye vanamuzvinabhizimisi vari mapurogiramu akasiyana.

Pezvaunorambidzwa kuita Central Bank of Russian Federation, kana kuti hurumende anoita inflow pakati deposits

Nokuda huru inflow mari of Central Bank of Russian Federation yapa moratorium pamusoro basa tsika zvemari. Banks hazvibvumidzwe kubvuma deposits itsva uye kuti zadzai munazvo. chiyero ichi chokudzivirira ndekwenguva pfupi. Chengeto akapinda simba musi April 17, uye ayo ichiri kushanda yainorongwa kuti mukupera May.

The pamutemo Website of Central Bank of Russian Federation vane mushonga kuti pari kuitwa zvemari ane musoro rezinesi. Panguva iyoyowo, tinoona kuti chimwe chete zvibvumirano nhasi unoshanda rwoga akavakoka pasi chete mashoko uye mamiriro ezvinhu pakudyidzana.

Maererano pamutemo nenhamba kuti April 1, 2015 uwandu mambure zvinhu vakasvika mabhiriyoni 24.17 rubles. Nhamba iyi akauya kubhangi kuti 159 nzvimbo kuRussia. Capital ndiyo mabhiriyoni 3.2. indekisi ichi rinowanikwa ne CBR. The chikwereti Portfolio ndiyo mabhiriyoni 16,36 emadhora. Bhuku mitoro kuti VOKUPARIDZIRA anoenderana bhiriyoni 15.38. Maererano migumisiro pamusoro, zvinogona kucherechedzwa rakanaka basa waivako, iro rine "Mast-Bank". Deposits, zvikwereti, wongororo iyo akamisa kudyidzana, ramba zvinokwezva vatengi. Kutaura zvichaitika pashure vachisimudza ari moratorium kubhangi, zvinondiremera mangwanani. Zvazvinosarira kumirira kupera May uye kuongorora zvimwe zviitiko.