Bank "I-Messenger": izinkinga, izibuyekezo zamakhasimende

JSC "I-Messenger" - lena enye yezindawo ezinkulu zokuthenga ngesikweletu ezingeni sikahulumeni e-Russia. Umlando isikhungo sezezimali incane futhi elisuka 2010. Ngaleso sikhathi, iqembu "I-Messenger" inkampani yasayina isivumelwano ne "Promtorgbank" ku ekwakhekeni isikhungo obumbene futhi ezinkulu zezimali. Bank "I-Messenger", inkinga ayikwazi enginakho emabangeni okuqala okuba khona, ngokushesha ngemuva ukubonakala ethulwa umkhiqizo ezintsha emakethe yezimali - ikhadi ebhange, "I-Messenger", okuyinto ububanzi okuhlukahlukene kakhulu iziphakamiso kanye yabhekisela inhlangano.

indaba

"I-Messenger" Bank (eMoscow) ngokusemthethweni waqala umsebenzi ngo-2010, kodwa isakhiwo yekhasimende njengefa kusukela ehlanganyele umuntu JSC "Promtorgbank", eyamiswa ngo-1992. Inhlangano ingeyamakhosi isigaba wamabhizinisi naphakathi ukuthi ngokukhethekile ukukhonza izinkampani yezimboni futhi commercial. Experience ngokubambisana ne izinhlangano kwaba entsha, kodwa ewusizo kakhulu. Umlando "I-Messenger" iqembu izinkampani elisuka 1995. I lunye eyinhloko amabhizinisi kanye nanamuhla elifanayo: ukuthengisa electronics, ukuqaliswa nezokuxhumana kanye nemishini computer. Bank "I-Messenger", amagatsha awo zitholakala kulo lonke elakwa-Russia, manje inikeza amakhasimende ayo uhlu olubanzi amasevisi yemali ukwethulwa wesikweletu kukonke. Kumila iklayenti walesi sikhungo has ecishe ibe yizinkulungwane 3 kumakhasimende ezinkampani kusuka imikhakha ehlukene emnothweni. Inombolo yamakhasimende okudayisa isivele ifinyelele 1.5 million abantu. Standard amasevisi ebhenki ngohlobo zokuhlala kanye imali imisebenzi, ukubolekisa kanye imali kuthiwa kwahambisana izinkonzo kahle futhi uzuza.

"I-Messenger" namuhla

Bank "I-Messenger", inkinga lapho sekukhona esanda kutholakala futhi engakakhuli umthelela esindayo yonke imisebenzi yezezimali sika likhona TOP-50 amabhange Russian. Zonke izimali ezifakwa emabhange oVikelwe uhlelo umshwalense idiphozi. Okwavelela ezahlukene imikhiqizo inkampani isibe ibalazwe "I-Messenger", okuye ngempumelelo kuhlanganiswe amakhono kanye namakhadi emali. Uma ibhalansi ikhadi uzobe ezimpahleni ezingasuki phansi, ngeke ukhokhiswe 10% isithakazelo kuyo. Kukho konke okwenziwayo wekhadi uthola amabhonasi. Umkhawulo wesikweletu kulolu hlobo mkhiqizo ruble ayizigidi 250. amakhasimende Ibhange kungazuzisa kusukela yokugcina kwelinye lamahhovisi eziningi. Ngoba bonke ngisho umlando omfushane ebhange, "I-Messenger" (Petersburg) babengenalo izikhalazo ezivela kumakhasimende. Izinga yesevisi bekulokhu phezulu. ngesikhathi sokugcina intukuthelo kubangelwa yokuthi lesikhungo liye bekani imingcele cash Ukuzihoxisa, ngaleyo ndlela olunamagama izenzo izimbangi zayo, ngubani beswela ilayisensi, futhi kakade esenyukele idilize.

I harbingers lokuqala inhlekelele

Ngokusho amakhasimende, kanye nochwepheshe we ezimakethe zezimali, "I-Messenger" ebhange baqala ukuzwa izinkinga ngesikhathi lapho kwanqunywa ukuba ngilinganisele imali ukuthi kungenziwa kuhoxiswe i-ATM. Ngokuhambisana emisha, e-ATM kokubili yasebhange, futhi ozakwethu imikhawulo. Amakhasimende kungaba imali ngosuku olulodwa akukho ruble abangaphezu kuka-25 eziyinkulungwane. Ukudluliswa izimali ezivela ikhadi ebhange nge P2P Ukuhumusha kutholakala kuphela isamba hhayi ruble ezingaphezu kuka-5 ayizinkulungwane ngosuku. Ibe kwezithibelo ezithile ku izinhlobo interbank nokudluliswa in format electronic, okuyinto ayikwazi ukudlula inani ruble ayizigidi 50. I isiqondiso kuphela esingavunyelwe kunqandwe imikhawulo - kuba yokukhokha ukuthengwa amasevisi usebenzisa QBank service amakhono kukonke.

Lokho okushiwo abezindaba?

Imininingwane Yande ukuthi ibhange "I-Messenger" umnyango ihlanganisa lonke izwe. Ngokusho bhukwana, le ndlela yokukhulisa kabusha imisebenzi yebhange izogcina share sengonyama of isabelomali salo. Ngokusho ukuphathwa, lezi zenzo ngeke kuthinte izinga kwamakhasimende esifundeni, ngoba cishe ungahambi emahhovisi kanye nokusebenzisa izindlela zokubambisana ukuthengiselana. Iningi amakhasimende we izikhungo zezimali sithambekele akholelwa ukuthi, ngokuqondene nalezi zinyathelo okukhulu ezithathwe ubuholi, esikhathini esizayo esiseduze, inhlangano yezimali angase abhekane kuhlela kabusha, njengoba kunjalo ibhange "Thembela" noma sokwesulwa kwelayisensi. Okwamanje, "I-Messenger" ebhange izindawo kwehhovisi beye bancipha kakhulu eminyakeni yamuva, egijima kwimodi ejwayelekile, njengoba uchitshiyelwe, nezindawo ukuqondisa ngokusemthethweni sithi ukuhoxiswa kwelayisensi ukuvalwa inkululeko yokukhuluma basuke bengalweli kungaba. Ulwazi leaked nabezindaba ekupheleni 2014, mayelana kabusha oluzayo, ngesicelo ukuphathwa, hhayi kuphela is hhayi ukuqinisekisile, kodwa waphika ngokusemthethweni. Into kuphela okudingeka "I-Messenger" izinkinga ebhange zezimali okuyinto bamangala - iyona zimali ukuze ukuzinza of. Leli bhukwana lithi kukhona ngokwanele iziphakamiso ethembisa.

Imingcele amakhadi esikweletu - Ukuze bagweme ukubanjwa noma okungathí sina?

"I-Messenger" bekulokhu ukunciphisa asebenzayo imikhawulo credit card. Ngaphambili 99% izivumelwano loan enikeziwe kumakhasimende kuhluka uhla ayizinkulungwane 10 kuya kwezingu-150, namuhla ke kukhawulwe ubukhulu samanje izikweletu. Umhlahlandlela uchaza zokunciphisa imikhawulo izinguquko izindleko uxhaso. Lungisa izimo intengo abolekise kubaluleke kakhulu maqondana nenani lamanje dolobha Luhambo. "Ilungiswe" ekuqaleni wadalula ukubolekisa Nonrecycled ngeqanda ukusetshenziswa.

Ukuthi amakhasimende bathini mayelana ekunciphiseni imingcele?

Ngemva ibhange "I-Messenger" (Petersburg) baba imikhawulo ngombala, amakhasimende baye basabela isimo lemali eziningi izibuyekezo ezimbi. Naphezu kweqiniso lokuthi ibhange bathini mayelana izihlahla% 5 kuphela loans, igagasi intukuthelo uvukile esikhulu kakhulu, ngoba isinqumo sathathwa unilaterally. Buyela uma ibhange kukhawulela esifanayo, kuzoya kakhulu ngokuthi yikuphi ngeke uyothuthukisa isimo sezomnotho ezweni. Abaningana impela amabhange abhekana nezinkinga ezinkulu. Bona okwesikhashana nemisebenzi yabo, elinde izinguquko isimo, njengoba abukhali outflow capital kungaba juqu esikhathini esizayo izikole.

Massive kwezisebenzi

"I-Messenger" izindawo ehhovisi yasebhange lapho kwehle kakhulu, amagatsha ukuvala akugcini. Sekukonke, kusukela ngoJanuwari kuya kuMashi 2015 sikhungo abasebenzi zezimali kwehle ngo-27%. Eyokuqala ngo-Ephreli 2015 inani lezisebenzi yasebhange 1406 sifana ochwepheshe. NgoJanuwari walo nyaka, leli nani oluhambisana ayizinkulungwane 1,921. Ngokuvamile, kulo nyaka, inani Ochwepheshe kwehle ngo-36% kule "Isithunywa" ebhange. Kuyaphawuleka ukunqinda inkokhelo ikhokhwe. Esikhathini sokuqala 2015 abasebenzi isikhungo sezezimali bekulokhu kuthiwa ruble ayizigidi ezingu 25.2. Lokhu kumayelana 27% ingaphansi kwe-ngesikhathi esifanayo ngonyaka odlule. Banda okufanayo izinkokhelo kwezenhlalo, okuyinto rose ruble ayizigidi ezingu 123,5 ruble 4.1 million. Sesikweletu elibhekene nezinye izinkinga zezimali kusukela ekupheleni 2014. Kusukela ngo-April, 16 amabhange kusukela Central Bank isikhiphe ukuvinjelwa ukungena imali entsha, ngo-Ephreli 1, isikhungo sezimali babeshiye amazinga dolobha nokwanela ngokuhambisana namazinga control.

ukwenqaba Ibhange sika kabusha izikweletu

Kuze kube baqala ukuvala amahhovisi, ibhange "I-Messenger" amaklayenti iningi touted nxazonke. Kukhona abantu ababehlanganyela ngenkuthalo wabhala ubuqotho babo nokuhlonipha amakhasimende, okuyinto engekho kwezinye izikhungo ezinkulu zezimali. Kwakugcizelelwa inhlangano zokwethembeka ku ezihlukahlukene imikhiqizo, a nezimo uhlelo ngokubambisana. Kusukela ekuqaleni nobunzima, ngokuvumelana kumpendulo yekhasimende, ukucabanga kwabantu sashintsha ngokuphawulekayo. Ngakho, enye amaklayenti ngokuqondene ukulahlekelwa umsebenzi ukusebenzisa isikweleti ukwakha kabusha. Ngokusho kwakhe, abameleli yebhange awaphendulanga yimiphi izikhalo eziningi. Ngenxa yalokho, owesifazane uthi mayelana izinsongo njalo nabathelisi ocingweni namakholi akhathazayo bonke abangane bakhe. Yena uhlela ukuba ngilidlulisele ihhovisi lomshushisi anezimangalo ngebhange. Chaza nesimo esifanayo kanye nabanye abantu abaningi abaye anquma ukwenza okufanayo.

What do zimali?

"I-Messenger" ezifakwa emabhange ngaphambilini wamukele ngamandla, manje ayisebenzi kule ndawo ngokuqondene ukulaya Central Bank. Ngenxa leli qiniso, imicabango yabantu ikhasimende zihlukaniswe. Kunemikhakha emibili zabantu. Abanye abantu bazama uye wakwenza ukuqoqa izimali ebhange, kanjalo okubangela yiziphethu eqinile futhi okwenza isimo. Iqembu lesibili amakhasimende nge esihle, ngokuvumelana kubo, ubudlelwane kanye isikhungo sezezimali akahambi ukuthatha noma yisiphi isinyathelo. Abantu bathemba ukuthi "iSithunywa" ilayisensi yasebhange okwamanje asasebenza ngempumelelo ukusinda ubunzima besikhashana esikhathini esizayo esiseduze ukubuyisela umsebenzi iziqondiso. Ligcizelela ukuthi ngisho ngenxa nokuqedwa isikhungo izimali zezimali lungabuyiselwa ngokusebenzisa Idiphozithi Insurance Agency. Ochwepheshe batusa isinyathelo kulabo deposit lemali idlula ruble ayizigidi ezingu 1.4, kufaka phakathi i-dollar imigomo.

"I-Messenger" kwaba phakathi kwababusi izikhungo zikhathazeke

Ukuphela 2014 Kwakunzima ngokukhethekile ngayinye yezezimali. yasebhange zinhlekelele ziye zenzeka kulo lonke elakwa-Russia. Naphezu i Inethiwekhi ebanzi yophathina amahhovisi kwenkululeko umsebenzi, "I-Messenger" kwaba phakathi kwababusi amabhange elinezinkathazo. Ngo-November 2014 isikhungo sezezimali kunqotshwa on the esengozini ezikweletini. Ngokuphindaphindiwe nge nenkathi zivakiwe ke inkanyezi umkhawulo ukuphoqelelwa ku amakhadi asebhange. Ekuqaleni, imikhawulo ukuthi isenzo futhi namuhla, okuhleliwe ukungena kuphela ngamaholide kaKhisimusi. Ngenxa yokwethuka phezu ingxenye amakhasimende ugcine imali yabo ngendlela isikhungo sezezimali ezihlobene ngokuyinhloko neqiniso lokuthi kusukela esibucayi, ivaliwe amabhange ezingaphezu kuka-100.

amathemba yebhange-2015

Ngubani ukusho, "I-Messenger" Bank ivaliwe noma cha, kuyinkinga, kodwa iqiniso unezinkinga zezimali ngenxa izinyathelo ngofaka ukuphathwa isobala. isimo somnotho Foreign kusikisela ukuthi esikhathini esifushane isimo ngeke kushintshe. Naphezu ukwanda ngenani iminikelo umshwalense ruble ayizigidi ezingu 1.4, outflow kwezimali kusukela isikhungo sezezimali uyaqhubeka, okungase kuholele ezikweletini. Khumbula ukuthi "iSithunywa" ezifakwa emabhange ngayeka ukudla ngomyalo Central Bank of the Russian Federation, okuyinto encishisiwe imithombo replenishment inhlangano. Kukhona ulwazi mayelana khona izikweletu Institute uyakuxhaphaza yentela inani ruble 1.2 billion, ngesikhathi ekukhokhweni abakweletwayo kabani ukubala kube nzima kakhulu, kusukela isikweleti idlula izikhathi 2.5. ukuphathwa Ibhange sika isebenza ekulinganiseni umsebenzi lesikhungo, okuyinto enikeza ithemba wokubuyiselwa operation evamile "ngalokubumbene". Ukwenza izibikezelo isencane kakhulu, ihlala yodwa ukuqapha isimo.