"Miraf mubhengi" dambudziko: rezinesi yakabviswa, kwete kuti mari

Kuvimba nemari yavo kuti mabhanga ari kuramba zvichioma. Uye kunyange kusagadzikana mari pose, uye pane dzose kucheneswa Central Bank. Muchiitiko ichi zviri zvakaoma zvokufungidzira apo enyu anomukweretesa sangano akusungirire "Bakatwa Damocles" regulator. nguva ino pasi kava rakarova "Miraf-Bank". The anotarisana tsika zvemari, depositors wongororo uye mamwe mashoko pamusoro sangano ichakurukurwa munyaya ino.

Brief ruzivo pamusoro pamahombekombe

"Miraf-Bank" - a nani guru chikwereti sangano kudzimbahwe Omsk. It rakaumbwa muna 1997 uye kubvira haana kuchinja zita rayo. Change kana chete zviri pamutemo chimiro kambani. Akanga yakakurumbira vake vakabuditsa mukurumbira uye asina chokuita kubva vatengi dzayo dzakasiyana manomano zvemari.

"Miraf mubhengi" (rezinesi kuti iyoyo akanga asati atendeuka) zvishoma nezvishoma yakatanga wayo chitoro samambure nokuvhura nemahofisi matsva mumaguta makuru akawanda uye kumatunhu Russia.

Akatorawo Zvinoshingaira kukura chepamusoro uye bhizimisi, anopa imwe nhamba neezvitendero mabasa zvebhizimisi uye vanhu. Bank vatengi vari kunyanya wezvokutengeserana uye maindasitiri mabhizimisi, kusanganisira makambani kubva siyana basa Mazinga.

Wongororo Vakawanda "Miraf-Bank"

Kana tsika zvemari achiri kushanda, wake nemakasitoma kazhinji akasiya yake akanaka wongororo. Somuenzaniso, mumwe anokwereta aifarira pachake chikwereti mazwi. Vamwe vakaronga dhipoziti zvirongwa vaine prices. Chechitatu aida professionalism vashandi vari sangano vanofara kupindura mibvunzo uye nokukurumidza kuita mune chiitiko nezvinoitika ezvinhu. Sezvaunogona kuona, "Miraf-Bank" (User ongororo uchapupu zvikuru kuti) raiva sangano mari hwakavimbika uye akakurumbira.

Muchidimbu, kwakanga kusina zviratidzo dambudziko. Chii chakaitika kuna kubhangi, uko vose vanovimba? Chii chinokonzera matambudziko ayo zvemari? Uye chii apedza Inspection Commission regulator?

Zvinetso zvemari kubhengi wacho

Maererano vakawanda vatengi, uye vaisagona kufungidzira kuti rubatso kwavo kusangana chero matambudziko zvemari. Somuenzaniso, muzana "Miraf-Bank" (Omsk) akabhadhara kugara zvikwereti kana shill itsva rwezvemabhengi zvigadzirwa.

Zvakatanga muna December 2015, apo mumwe zvikuru nezvikumbaridzo zvemari yakabudiswa padandemutande yacho patsanura shoko "Miraf Bank" kubva BESP kubhadhara.

Panguva iyoyo, bhengi racho nemakasitoma havana kuona kukomba kwemamiriro ezvinhu zvavo mudiwa rubatso. Uyezve, nhau-basa dzemari sangano "Miraf-Bank" (Omsk - guta umo chekambani musoro hofisi) akaramba kuomerera kudzora pamusoro yacho.

Pazuva racho chiziviso pachaunga basa mubhengi akaita mashoko pamusoro kusanzwisisa mupurogiramu. Zvisinei, vakaramba kuti vachibhadhara zvose acharamba kuitika chaiye kutoshanda. Asi wakatendeuka kubva zvose zvikuru zvikuru.

Rokutanga "nenyenganyenga" kubhangi kuti kusagadzikana: pamwe issuance chinetso deposits

A maawa mashomanana pashure kuziviswa kubhengi vamiririri pamusoro forum akatanga kuoneka nekusiyana depositors. Kazhinji, mashoko ipfupi chokuti havadi kushanda uye musaenda kubhadhara. Nepo Vatengi vakawanda vaiva chete nechokwadi chokuti kuzomukazve zvinhu mhosva "Miraf-Bank". Mipiro nyaya vanoshandisa vari risisiri vakaramba. On kwavari hazvigoni kubviswa mhindu, uye kuita deposits pedyo zvakanga zvisingaiti.

Zvinokosha kucherechedza kuti pamahombekombe vashandi pachavo vasingagoni kupa zvakakwana tsanangudzo chokuita zvinhu. Izvi zvakare acharodza vatengi. The kutya.

"Miraf-Bank": Matambudziko (kumbomira vachibhadhara pamusoro deposits)

Sezvo kuguma December 2015 "Miraf kubhengi" akamira achivaratidza deposits. Mukutonga idzva, sangano zvemari, Omsk vagari vaibvumirwa musatora kupfuura 10-15 000 rubles pazuva. Ito pamusoro rokutanga mafomu. Zvisinei, makuru rakawanda deposits nyore ndakadaro uye akaramba kunyange mitezo.

28 December wegore iroro "Miraf-Bank" (mari pano aigona kuita kunze National uye dzimwe mari) vakaronga musangano rose. Maererano rokutanga data, chakaitirwa munzvimbo huru kuhofisi boka (mumugwagwa. Frunze).

Asi kunyange ipapo, vamiririri kubhengi wacho akaramba solvency matambudziko. Ivo akavimbisa vose varipo kuti chikonzero pokumbononotswa vachibhadhara akanga kuchinja ari chikwereti urongwa zvemari negwaro.

Pakati zvichibvira zvinokonzera, maererano zvapupu, bhengi akadana uye kukodzera kutya vatengi. Imhaka kwavari "Miraf Bank" hakuiti kuti kubhadhara. Izvi imhaka pavanogadzira nhamba zvikumbiro kubva vanhu havambokwanisi nguva dzinoona vashandi zvesangano.

Zvadaro, vashandi wechaunga akakurudzira kuva nemwoyo murefu uye kuvimba basa nyanzvi. Depositors aigona chete kutenda uye kutarisira chokupedzisira mutongo.

Kuturwa zvokungoitawo yaitonga mubhangi

Pakupedzisira nyaya yacho chete pashure kubhangi akatanga zvose-panze kuongorora. Zvadaro, controller akasuma kwenguva pfupi yaitonga. Kuti akakwanisa kuona zvikonzero chaicho, nokuti iro "Miraf Bank" hakuiti kuti kubhadhara. Vamwe vavo vaiva zvemari kubiridzira utariri kwemutongo tsika.

Maererano rokutanga mashoko, nguva pfupi asati pakatanga zvokungoitawo yaitonga vamiririri kubhangi kutengesa zvinhu zvaikosha miriyoni 560 rubles. Vakazviita kukurumidza.

Panguva iyoyowo, "Miraf-Bank" (matambudziko vachangotanga) akabhadhara zvikwereti zvinosvika mamiriyoni 120 rubles. Uye mari yakanga kubva zvimwe zvikwereti, uye kupiwa vamwe.

Inventory uye kuziva kushota

Somugumisiro ari uwandu idzva zvinhu bhangi kutyorwa vaizivikanwa. Somugumisiro, vamiririri tsika zvemari vakaedza kuvanda kubva controller kuperevedza pfuma iri uwandu mamiriyoni 288,53 rubles. A mugove chinokosha uwandu yakanga chokuita nokushaya zvisungo manotsi, uyewo chikwereti zvibvumirano nezvimwe mapepa.

Kuwedzera kuchengetedzeka kambani "Miraf-Bank" (Matambudziko Kambani yakada kufanana zvisiri pamutemo mutemo Chinyorwa) Kuongorora kwakaratidza unaccounted fenicha, midziyo, uye zvifambiso zvikwereti. Vose vari chaizvoizvo "akarembera mudenga" uye hapana hausi nhamba.

Munguva odhita, asiwo hombe "buri" chave chichirondedzerwa muna bhajeti wekambani, izvo vakasvika 1 bhiriyoni. 512,8 miriyoni. Rubles. Ndiyo mari pakutsvaga musiyano pakati ukuru mubhangi zvinosungirwa kwayo zvinhu.

The rezinesi pakati "Miraf Bank"

Zvaizobuda Commission of Inquiry akaita zvakawanda zvine kwete nyasha chikwereti urongwa 'Miraf-Bank ". Rezinesi somugumisiro ongororo yakanga yakabviswa, uye mukurumbira kambani unoparadza zvachose.

Maererano pamutemo data, pakati zvikonzero zvakaita kuti revocation yacho rezinesi, vaiva sezvinotevera:

• kudzokororwa yokutyora mitemo yeUnited nemirayiro;
• Urongwa sizvo uye vasingavimbiki mashoko pamusoro mabasa nemari boka;
• brokering mari vomuUmambo vakapfuma 'mari;
• bhizimisi iri pasi-unhu yesangano pasina nokusika mamwe reserves;
• asiri chokupika mitoro kuti chikwereti.

Uye akarasikirwa rezinesi wake "Miraf-Bank". matavi awo yakavhurwa Moscow, Omsk, Tolyatti nemamwe maguta Russian Federation, dzakavharwa kusvikira ndaziviswa of Central Bank.

Kutongwa uye kuziviswa Bank insolvency

Mushure kushaya ari rezenisi Central Bank akaita pasi kushanda kudare, umo iye aida kuziva zvemari tsika kusauka. Somugumisiro kutongwa, yaiitwa January 24, 2016, dare akawana "Miraf Bank" sauka. Pashure paizvozvo mutongo, akazivisa Agency kuti Deposit Insurance. Maererano mashoko, ivo depositors munhu akatadza bhangi aifanira kubhadhara vanenge mabhiriyoni. 2,8 Rubles muripo.

Kubhadhara kuti depositors ari kusauka kambani

Kuti tidzivise kutya pakati depositors, kuti Deposit Insurance Agency akazivisa kutanga mufananidzo vachibhadhara inishuwarenzi "Miraf-Bank" yakawira February 4, 2016. Chitsama muripo aifanira kuva 100% of Verengai depositor zvose Nhoroondo kare yakavhurwa kusauka mabhanga. Zvisinei, vakawana muripo haafaniri kupfuudza 1,4 Mill. Rubles ari uwandu hwezvinhu zvose zvabatanidzwa..

Gadzirirai LETSATSI ripa vanoita zvingaitwa pamberi February 4, 2017. Kubhadhara iyi nyaya akatora "Rosselkhozbank". Uyezve, mumwe investor anekodzero kusarudza zvikuru yokuita sarudzo kuwana mari (mu mari kana muchimiro kutamira zviri yeGmail.END_STRONG wacho akaundi).

Kuti awane mashoko pamusoro kero huripo matavi kubhengi-mumiriri, unofanira kumutumidza kuti HOTLINE: 8 (800) 200-02-90. Murayiro muripo dzinogona kurondwa kubva mabhuku kwakaitwa akadhindwa "Komsomolskaya Pravda mu Omsk."

Parizvino iri muripo "Miraf Bank" yakanyorerwa anenge 4,800 vanhu, uyewo 150 Entrepreneurs kuti svikiro uye guru chechetere. Munguva pfupi iri nhamba kune vanoshuva kugamuchira muripo, maererano vamiririri ACB achawanda kakawanda.