Open Society "yekutanga Kutora mahofisi": mhinduro. "Yekutanga mahofisi ehurumende": mushandi wepfungwa

Usati wakumbira rubatsiro mune imwe kambani inokosha yakagadzirira kupa rubatsiro mune chikwereti chekuunganidza, unofanirwa kuongorora zvakanyatsoongororwa. "Ikokutanga mahofisi ehurumende" ndeimwe yevashandi vekumbeka mumusha, kushanda nevatokwereta vakaora mwoyo. Mhinduro pamusoro pebasa rekambani kubva kune vatengi nevashandi vari nani. Nhoroondo yekambani yakatanga muna 2005. Mumakore 10 chete ekushanda, kambani yakakwanisa kwete kwete kungoita mutengo wemuvimbwa akatendeka uye akavimbwa naye, asiwo kuti apiwe musoro wevatungamiri mune imwe nharaunda chaiyo. OJSC "Bhizimisi Rokutanga" ndiwo "piyona" wekutengeserana mubhizinesi mumakona akawanda ehurumende.

Geography yekambani

Iko kambani inounganidza kubudirira inoshanda mumakona akawanda enyika. Mahofisi makuru pane muMoscow neKhabarovsk, muSt. Petersburg. Rubatsiro rwekuwana zvikwereti runoshandiswa munzvimbo dzakawanda, kutanga neHarare East nekuguma neSiberia. Maererano nekufungidzira kwokutanga kweongororo, mumakore gumi chete kambani yakakundikana kukunda inenge 34% yekwereti yekuunganidza misika. Kukwikwidzana nekubatana hakugoni kunyange vatambi vakuru vemunharaunda ino, sezvo mukurumbira nehutano hwebasa rekupedzisira zviri zvisingasakoshi. Iwe haugoni kuwana mhinduro dzisina kunaka pamusoro pekambani. "Yekutanga mahofisi ehurumende" ndiye mutungamiri wemusika wemukati ane mukurumbira usina kunaka.

Nzira dzekubudirira

Zvinhu zvikuru zvekambani yemakambani akabatanidzwa haisi kungogadziriswa kwematokari akaipa, asiwo kushingaira kwekushanda kwebhizimisi rekuunganidza zvachose, rubatsiro mukugadzirisa kushanda kwakakwana kwebhengi rekubhadhara mari, kuumba mamiriro ekugadzirwa kwekukurukurirana kunobudirira pakati pevatengesi nevatengi. Mutemo wekambani wakatungamirira kukuti iye akanga ari wekutanga wokubatana nehunizha "Association of collectors of Russia".

Nyaya yezvisungo - kusimbisa kwehutano

Kubudirira uye kubudirira kwekushanda kwekambani kunotsigirwa nemhinduro dzakanaka. "Yekutanga boka rekuchengetedza" rakakwirira kwazvo kune vakwikwidhi vanoisa kwete chete vanogutsikana nevatengi. Gore rino, Kubvumbi 15, kukohwa kwezvigadzirwa zvezvisungo zvinotanga, kukosha kwaro kuchava anenge 1.5 mabhiriyoni rubles. Bhuku rekukumbira richazarurirwa musi waApril 10, uye kugadzirisa kwaro kuchaitwa musi waApril 17. Chikwata chekutanga chikwata chinenge 16.5-17.5% pagore. Chibereko chinotarisirwa chinobva pa17.55% kusvika ku18,68% pagore. Matengo kubva kune wechipiri kusvika kune gumi nemaviri mapikoni achaenzana nemitengo yemakoni ekutanga.

Mamiriro ezvinhu ekutsvaga mari mu "PKB" kuburikidza nezvisungo

Mutengo wezita wekuchengetedzwa kumwe uchaenderana ne 1000 rubles nekunyoresa pachena. Nguva yekupararira ichave makore matatu nekwaniso yekubhadharwa kwepakutanga pa 14.28% pagore rekutarisana kwemaziso. Vakarongeka vekuiswa kwacho vachava CB "Vostochny", AKB "Svyaz-Bank" uye BC "Region". Uyu munyori wechechi ndiye KB "Vostochny". Nyaya yevhudziro inopupurira kuti kambani inobatanidza mari inoita kuti vashandi vave nechido uye inopa tariro yevimbiso. "Chekutanga chekuchengetedzwa kwemabasa" inowedzerazve bhajeti yayo pamari yezvisungo kuitira kuti iwedzere kubhadhara zvikwereti zvematambudziko kubva kumabhangi uye iwedzere kuwedzera ruwavo.

Vashandi uye vatungamiri

"PCB" ikambani inotengeserana iri kukura pane imwe nguva inoshamisa. Haasi kungotarisana nematokari akaora mwoyo, asiwo anotora mutoro wekutarisira zvikwereti zvinopfuura. Iyo migove yeOJSC "First Collector Bureau", iyo maongororwo ari akanaka kwazvo, ndeyekugovana pamwe chete kune vanoverengeka vakawanda vanoita basa:

• 30% yeCyprus kambani Evison Holdings Limited.
• 21.25% ndeyeSergei Vlasov, uyo akashanda seanoshandisa bhangi "Oriental Express" uye ari nhengo yebhodhi revatungamiri.
• 9.03% ndiyo nzvimbo yaAlexander Taranov, uyo ariwo nhengo yebato revatungamiri uye ariwo mugove webhangi "Orient Express".
• Bharing Vostok Foundation yakava muridzi wematanda 30% mukambani.

Vose vagovani vanofarirawo kubudirira uye kubudirira kwekambani, kuva vatori vechikamu mumusika wemari weRussia, vari kuita basa rakawanda uye vanobatsira mukusimudzirwa kwevanhu.

Chikwereti chikwereti chikamu chikuru cheRussia

Kubudirira kubudirira uye kushingaira kwekambani haisi kungotaurwa chete zvakanaka. "Yekutanga boka rekuchengetedza" nguva dzose rinoparadza vhidhiyo nemashoko asingatarisiri. Izvi hazvirevi chete nyaya yezvikamu, izvo zvisingatauriki zvechikamu chechiitiko. Kunyanya ichangopfuura, ruzivo rwave rwakagamuchirwa iyo kambani yakagamuchira kubva kuDhiposit Insurance Agency iyo madhaka akabatwa eSakhalin-West Bank. Kushandira pamwe nehurongwa hwehurumende zvinoreva kuti kambani haisi kungoshanda chete mumugariro wemutemo, asiwo inonakidzwa nekuvimba kukuru. Chido chebasa rekambani yacho chakarurama nematarenda. Saka, mugore ra2012, madhora ekudarika akawanda munharaunda yeRussia yakaenzana nemabhiriyoni 271 mabhiriyoni achipikisa 115.9 mabhiriyoni eRubles muna 2008. Chiratidzo muna 2013-2014. Yakakura kanopfuura kaviri nekuda kwekuwanikwa kwezvikwereti. OJSC "First Collection Bureau" ine zvimwe zvikomborero maererano nechekuitika kwezviri munyika. Mukuwedzera, muna 2010 uwandu hwehukwereti hwemari yehurongwa hwakaenzana nemabhiriyoni makumi matatu emabhiriki, ndiyo yakakura mumusika. Somugumisiro, mari yekambani yacho yakawana mabhiriyoni 491,5 emabhule, ayo 118.4 mamiriyoni haasi purofiti.

Kubudirira kunogona: kuendesa chikwereti chakaipa nebhangi

"Yekutanga mahofisi evanhu" (uyo akaidza, anoziva nzira yakarurama uye yepamusoro inyanzvi veyanzvibatanidzwa) anozivisa kuti muma 2016 mabhangi acharamba achizvigadzirisa pachedu zvinetso zvakabatana nematambudziko ekutanga, izvo zvinodarika anenge 85% Pakati pehuwandu hwezvinokweretesa zvinetso. Chikamu chekusanganiswa kwekuunganidza munzvimbo yakatarwa yekugara kwemazuva mazhinji kunotarisirwa kuwedzera. Mukutaura kwehurumende, nguva inopera ichaderedzwa kubva mumazuva 180 kusvika kwema 120, uyewo nekugoverwa kubva pamazuva 640 kusvika ku 240. Kuwanda kwezvikwereti izvo "Collector bureau" ichawana mune ramangwana, mushandi wezvakaitika pamusoro pezvakanaka, kunyange zvichange zvichiwedzera, asi zvisina basa. Mumakore matatu anotevera, kukura kwekwereti yemari chikwereti kubva kubva ku3 :3 kusvika ku5% mukati megore. Maererano nehuwandu hwekufungidzira, chikwereti chekubhadhara chikwereti muna 2016 chichaenzana nemabhiriyoni 323 mabhiriyoni.

Kutenga chikwereti - kusvetuka mukukudziridza

"Yekutanga mahofisi ehurumende", ayo akave akanaka kune makore akawanda, anoronga kuwedzera huwandu hwepasitorendi ayo mumakore aya uye emangwana kuburikidza nokutenga zvikwereti zvinetso. Izvo zvinotarisirwa kuti zviyero zvekukura zvakabva pa14% kusvika ku 22% gore negore. Muna 2016, chikwereti chechikwereti chakadzikinurwa kubva mune zvemari chinogona kusvika kusvika 165 mabhiriyoni rubles. Chikamu chezvikwereti zvakabhadharwa kuburikidza nemabasa evatori zvichawedzera zvishoma. Mutungamiri mukuru wekambani iyi anoshanda nesimba kubatana pamwe nemabhangi. Anosimbisa kuti kana mabhenji ari kunyatsoteerera kukweretesa kwevatengi uye nekukurumidza kupindura kunyanzvi kuburikidza nokuvaisa kune vanounganidza pasi pesangano rebazi, huwandu hwekuvhiringidzwa kwekubhadhara nguva huchaderedzwa zvikuru pakupera kwe 2015. "Yekutanga kuunganidzirwa" (Moscow) yakagadzirira kuramba ichiita nzvimbo yekutungamira mutambi mumusika wekutengesa, kuwedzerwa simba rayo uye kuwedzera kushingaira kwayo nzvimbo.

Mabasa makuru

OAO PBK inopa rubatsiro rwayo nenzira dzakasiyana-siyana, uye izvi hazvirevi chete kuunganidzwa kwakaoma kwezvikwereti kubva kune vanhu vasingabhadhara zvikwereti panguva. Mukati yekambani inopiwa:

• Pakati pezvemari.
• Nheyo mumunda wemutemo, kuverenga uye kuongorora.
• Kudzidzira mazano munhau dzekutengeserana uye kushandiswa kwemabhizimisi.
• Kuongororwa kwemamiriro emakambani nekuongororwa kwemaonero evanhu.

Pamusoro pane urongwa hwemamwe mabasa. Nzvimbo yakakosha yebasa rakateverwa ne "First Collection Bureau" (Moscow), iyo inofadza pamusoro pekuongororwa, inoramba iine zviyero zvinotarisirwa kutsigira chikwereti chakaoma chemunhu wese uye semasangano epamutemo muRussia yose. Mabasa anogona kuitwa zvose mukutonga uye kutanga kwekutongwa. Zvinokwanisika kuita mabasa nekuchengetedza uye kutsigira kushanda kwemhosva.

Mhinduro kubva kuvashandi veOJSC PBK

Yakadzokororwa zvakare kuti "First Collector's Bureau" (Khabarovsk, Moscow) inyanzvi yekambani. Nyanzvi yemusika wekutengesa inotarisa zvakakwana kunyange mumaziso evashandi. Sevamwe nhengo yemushumo wekambani yekambani, kambani yekambani inobatana inochengetedza pachena uye yakajeka bhizinesi rebhizimisi. Mabasa ose anogadziriswa mukati mehutano hwemutemo, maererano nezvimwe zviito zvepamutemo. Vashandi vanofarira zvikuru basa rehurumende, nehuwandu hwemagariro evanhu, iyo mumamiriro ezvinhu edambudziko rezvemari muRussia inogona kunzi kuwanikwa kwechokwadi. Kutungamira kunoremekedza vashandi vose, vanonyatsotarisa mabasa ake. Sangano rakanaka rekambani rinoisa nheyo yezita rakanaka risingaiti.

Mhinduro dzevatengi

Nhamba huru yevashandi vanogutsikana ndiyo iyo chaiyo yeOJSC First Collector Bureau. Munhu wose anomubvunza anonyatsoziva kuti mashoma uye unyanzvi vamiririri vesangano ndevamwe. Nhamba yekutenderera kune kambani yakakwirira zvakanyanya zvokuti kunyange iyo Deposit Insurance Agency pachayo inotumira zvikwereti zvinetso zvemabhanki emhuri kuvanhu. Pakuzivikanwa uye hutsika, kwete chete mhinduro inotaurwa, asiwo kudiwa kwemabasa. Chikwereti chekwereti chekambani yekambani inowirirana iri kuwedzera gore negore, kubva muna 2005, kubva panguva yekuonekwa komutambi mumusika wemisika. Anotenda mukubudirira kwekambani uye guru rekutsinhanisa mari Renfin, iro iro, sezvo rive muridzi wemakambani ekambani, rakagovera anenge mabhiriyoni gumi emabhiriki nokuda kwekutenga zvikwereti zvinokonzera, izvo zvinofanirwa kukurudzira kusimba kwekupedzisira munguva inotevera.

Ndiani anovimba nevanyori?

Sezvave zvataurwa kakawanda, "Bato Rokutanga Kuunganidza" rinonakidzwa nekuremekedzwa zvakakodzera kubva kune imwe nyika muDefosit Insurance Agency. Vaya vanobatana zvikuru nesangano ndevadzidzi vakakurumbira vemakambani emari ekumusha, mabhizimisi enyika nekutengesa. Pakati pevashandi ve "PKB" kune mabhizimusi makuru emabhizimisi uye masangano einishuwarenzi, makambani ekuterevhizheni, kubhadhara uye kunyange mabhizimusi. Mabasa ekambani maererano nekunyoresa kwetsika yekukweretesa yava kunyanya kudiwa munguva pfupi. "Yekutanga mahofisi ehurumende", kuongororwa kwevashandi pamusoro pezvinhu zvisingaiti kuti kusava nechokwadi pamusoro pebasa rekupedzisira, rine ruzivo rwakakura rwemashami rinobvumira kugovera mazano kwete mumakona akasiyana ehurumende, asiwo mune zvakasiyana- siyana zvebasa. Kutsigira kune zvikwereti zvinokonzera matambudziko uye zvikwereti zvinogona kuitwa munharaunda yemaguta anenge zviuru zvinomwe.

Chirongwa chebasa ndicho chinotungamirira kubudirira

"Yekutanga mahofisi ehurumende", ayo ane zvinyorwa zvine maonero akanaka, anoshanda mumutauro usinganzwisisiki. Kubhadhara chikwereti kubasa kunowanikwa mumatambudziko akaunganidzwa. Iri chirongwa chekushanda nevakwereta rinosanganisira kukurukurirana mumugwagwa, iyo iyo pachayo inofungidzirwa kuti ndiyo yakaoma fomu yebasa mukati memusika wekutengesa. Kubudirira kwehutungamiri hakusi kusahadzika kunobva pamigumisiro yebasa rehurumende. Mushure mekutora chikwereti chikwereti chiri muruoko, basa rekambani rinovakwa mumatanho akawanda. Pakutanga, ruzivo rwakasiyiwa nevakweretesa mune zvemari, kuita chikwereti, nekutenderera kwechokwadi kwekubatanidza kwedheta kunoongororwa. Uyezve, munzvimbo dziri kure, nzira dzekutaurirana nevatengesi dzinoongororwa, uye chete apo kutaurirana zvakananga nekudzokorora nyaya yacho kumatare kwakarongwa, kana zvichidiwa. Kubudirira kwe nzira iyi kwakapa "PCB" ine nzvimbo inotungamirira mumusika wemisika, yakabvumirwa kusiya mushure mokukwikwidzana.