I-Bank "Standard Standard": ukukala nokubuyekezwa

I-Standard Standard Bank yasungulwa ngo-2002. Umnikazi weziko lezezimali ngu-Axial Investments Limited, inkampani esebenza eCyprus. Inhloko yezinsiza zokuphatha nguMaxim Zubov. Ngokuphelele, ibhange likhonza okungenani amakhasimende angu-60 000. Abantu banokufinyelela ukufaka imali kanye nokubolekwa kwemali, amakhadi asebhange kanye nezokuphepha, ukushintshaniswa kwamanye amazwe nokushintshaniswa kwezimali. I-Bank "Standard Standard" eMoscow inamahhovisi angu-9. Amahhovisi okumela asebenza ngokuphumelelayo e-Oskol, eBelgorod naseGubkin, eVoronezh naseNovorossiysk. Inethiwekhi ye-ATM ihlanganisa amadivayisi angama-59.

Umlando omncane

Ihhovisi eliyinhloko lesikhungo sezimali selisezweni laseMoscow. I-LLC isebenza ngaphansi kwelayisensi jikelele ngaphansi kwenombolo 3421, eyakhishwe ngo-Okthoba 28, 2013 ngenxa yokwandiswa kwesikhungo. I-Financial Institute inesimo somuntu ophelele weSikhwama Somshuwalense weDistimali, esebenza njengelungu leNational Stock Association, iqhaza ku-SWIFT nase-REUTERS izinkokhelo zokukhokha. Ngaphezu kwalokho, ibhange lingokwesigaba samalungu obambisene nesistimu ye-Visa International nakwesigaba samalungu afanelekayo we-MasterCard.

Imigomo kanye nokusetshenziswa kwazo

Inhloso yezinhloso ukwakha isikhungo esikhulu sezezimali esisezingeni elivulekile futhi sihambisana nazo zonke izindinganiso zamazwe ngamazwe. Okubaluleke kakhulu isakhiwo sobunikazi obonakalayo kanye nesisekelo sekhasimende elibanzi. Ngesisekelo somgomo, amasu athuthukiswe ngokuhambisana nalokho okwakunjalo ngo-2007 iNational Standard Bank ithola amasheya angu-97.26% e-OJSC CB "RusYugbank", okuyinto enkulu kunazo zonke esifundeni futhi inenethiwekhi enkulu yamahhovisi kanye nezinsiza zokuxhasa. Lokhu kwanikeza amandla ekuthuthukisweni okusebenzayo kwebhizinisi.

Inkambu ebalulekile yomsebenzi

Ukuqondiswa kokuqala komsebenzi we-Institute ukuthuthukiswa okusebenzayo kokusebenzisana namakhasimende ezinkampani ezincane nezinkulu , ukuhlinzeka ngezigaba ezicebile zabantu. Phakathi kwezinsizakalo zinikezwa kokubili okunikezwayo kanye nokutshala izimali. "I-National Standard" Bank ibambisana ngokusebenzisana ne-OJSC "SME Bank" emkhakheni wokweseka nokusekela izibambiso zamabhizinisi amancane namabhizinisi aphakathi. Ukubamba iqhaza ohlelweni oluvela ku-JSC "I-Agency for Housing Financing", isikhungo sibheka izikweletu zokwakha noma ukuthenga izindlu eziqediwe. Yonke imizamo yebhange ihlose ukuhlangabezana nezidingo zazo zonke amakhasimende. Lo msebenzi ususelwa ekufundeni nasekuthembekeni, ekuzibophezelweni nasezindaweni eziphakeme zezinkampani. Indlela eyodwa kumaklayenti ngamunye inikeza umbono wokubambisana nesikhungo sezezimali.

Beka kuzilinganiso ze-CBR

Kusukela ngo-Ephreli 2015, impahla ye-net yesikhungo sezezimali yayingama-ruble angu-64,152,935 ayizinkulungwane. Ngokusho kwalesi sibonakaliso, ibhange lineminyaka engu-88 phakathi kwezikhungo zaseRussia, okuyinto inombolo 778. Inzuzo enenzuzo ye-Institute namuhla, ngeshwa, ilingana no-175,055 izinkulungwane zamaruble, eziphonsa ibhange i-756th eRussia. Iphothifoliyo lesikweleti lesikhungo yi-ruble engu-28,780,700, ehambelana nezindawo ezingu-99 phakathi kwamabhange ezweni. Umthamo wezinkokhelo yi-ruble ayi-8 068 652 ayizinkulungwane futhi uhambelana nezindawo ezingu-159. Isikweletu sesikweletu sifana nesigaba A + nesithathu esezansi le-rating (III).

Isibikezelo ngokuhambisana nesilinganiso sibhekwa ngokuthi "sizinzile". Ochwepheshe esikhathini esifushane kubonisa ukuthi kungenzeka ukuthi ibhange ligcwalise izibopho zalo zezezimali, hhayi nje kuphela, kodwa futhi nalabo abangase bavele lapho isikhungo siqhubeka. Uma sikhuluma ngesikhatsi esiphakathi, khona-ke lapha ukugcwaliseka kwezibopho kuzoba namathuba aphezulu nokuzinza kokubili izinkomba ze-macroeconomic kanye nezimakethe.

Indawo ekulinganisweni kwe-International agency Standard & Poor's

I-Bank "Standard Standard" ngokusho kwe-international rating agency e-Standard & Poor's yathola isilinganiso esincane esifushane sokulinganisa "I / O". Ngokwezinga likazwelonke, ukulinganisa kwesikhungo sezezimali kuhambelana nenani le "ruBBB +". Lezi zinkomba zikhomba isimo esingenakwenzeka sokuthuthukiswa kwemicimbi. Ukulinganisa kwebhange kucabangela isikhundla sebhizinisi esilinganiselwe, imali enkulu kanye nezimali ezingenayo, izikhundla ezibuthakathaka ezingozini kanye nokwehlukaniswa kwemali ejwayelekile. Umbono omubi awusekelwe kuphela ezinkomba zezinkampani zebhange, kodwa futhi nesimo sezimali zeRussia, okungaba nomthelela othile wezezimali esikhungweni. Kwakungumzuzu okwakubangela umehluko omkhulu phakathi kokuhlolwa kwabachwepheshe basekhaya kanye namazwe ngamazwe.

Kuthiwani amakhasimende?

Ibhange lezebhizinisi "Standard Standard" ezinyathelweni zokuqala zomsebenzi walo lisebenze kuphela ekusebenzeni izinkampani zika-Usmanov. Kusukela ngo-2004 , isikhungo sezimali sesiqale ukubamba iqhaza ekubambeni izibopho zikamasipala. Isibonisi esibalulekile sokuthuthukiswa okusebenzayo kwesikhungo sezezimali kwakuwukuthengwa kwe "RusYugbank", okukhulunywe ngenhla. Iningi lezibuyekezo mayelana nesikhungo sezezimali zisitshela ngezici eziningi ezinhle zokubambisana, kufaka phakathi nendawo yokuboleka. Yilokho okuqinisekisile ukulinganisa kwabantu abahle. Amaklayenti asebhange agcizelela ukuthi isikhungo sezezimali sinikeza ithuba lokubuyisela isikweletu ngaphambi kwesimiso emva kwezinyanga eziyisithupha ngemuva kokuphela kwayo. Ngokubambisana okuzuzisayo okuyingxenye yokubolekisa, abatshalizimali abaningi baphendula, beqinisekisa imigomo yokubambisana kanye nezindleko zentshisekelo ezamukelekayo.

Futhi ngisho nezinsizakalo zokuhweba ziyatholakala

I-Standard Standard Bank (iStary Oskol, eMoscow kanye neminye imizi lapho amahhovisi asebenza khona) inikeza izinsizakalo zokuhweba hhayi kuphela emakethe yokushintshanisa, kodwa futhi nasemakethe ye-over-the-counter. Amaklayenti angakwazi, ngokubambisana nebhange, ukuthenga izibopho zikamasipala nezenkampani, i-Eurobonds enezikhulu kanye nezinkampani kanye nezibopho zemali yokubolekwa kwemali yasekhaya. Ukubambisana kutholakala ezinhlelweni ezimbili zokukhokhiswa kwemali, okujabulisa abatshala izimali, ngoba kubavumela ukuba banciphise izindleko zokukhokha. Ngokwezinye zezinhlelo, ikhomishana yi-ruble ayizinkulungwane ezingu-30 kunoma yikuphi ukuvota kwemisebenzi, futhi ngenye indlela ihluka kusuka ku-0.01% ukuya ku-0.2% futhi incike kuphela ekutheni inani lezimali lizovela.

Ukubuyekezwa kwabasebenzi bezikhungo zezezimali

I-Standard Standard Bank (i-Novorossiysk, i-Moscow, i-Oskol neminye imizi lapho amahhovisi atholakala khona) iyasebenza. Abasebenzi bahlale beqashwa abasebenzi abanekhono kakhulu. Ngokusho kwabafakizicelo bezikhundla, inkokhelo esikhungweni sezimali inikezwa umyalelo wokuphakama ophakeme kunokwesilinganiso semakethe. Ngaphandle komsebenzi ebhange, akudingeki ukuba umuntu ahlale, impilo ibamba isihluthulelo, imisebenzi yezimali ehlukahlukene ixazululwa njalo. Umchwepheshe ngamunye unomsebenzi wakhe siqu. Kukhona izibuyekezo mayelana neqembu elinobungane kakhulu nenhlonipho evela eziphathimandla. I-Bank "Standard Standard", impendulo evela kubasebenzi mayelana nokuthi ihlale ezwakala kahle kangakanani, izama ukugcina izinga eliphakeme, kokubili ekusebenzeni namakhasimende nangokuqondene nabasebenzi. Isithombe esiphezulu sisekelwa umsebenzi osemthethweni kanye nephakheji eligcwele lomphakathi, elinikezwa abasebenzi.

Izinhlelo ezikhangayo zokufaka amakhosimende

Uhlelo olukhangayo lwezinhlelo zokufaka imali luyatholakala esikhungweni sezimali. Ngokwamakhasimende, kungenzeka ukuthi ukhethe kalula ifomethi elula kakhulu yobambiswano. Ngakho-ke, ngaphakathi kohlaka lwe-"Standard Standard Pension", isiphakamiso se-ruble sizofakwa ngesivinini se-14%. Inani elincane lokubuyiswa kabusha kwe-akhawunti lilingana nama-ruble ayizinkulungwane ezingamashumi amathathu, kanti ubude bokubambisana kuzoba izinsuku ezingu-181. Ngaphansi kohlelo, ngama-dollar kanye ne-euro, ama-5% kanye no-4.75% ahloswe ngomnikelo obuncane wamayunithi angu-1000. Igama lokusebenzisana liyizinsuku ezingu-271. I-National Standard Bank, okulinganiselwa kwayo ngokuyinhloko ngokulinganiselwa kochwepheshe basekhaya nasezizweni zonke, inikezela ubudlelwane phakathi kohlelo lwe-Savings Standard program. Lapha, inani lesithakazelo se-ruble deposits lizoba ngu-13%, ngokufaka imali edoli - 4.25%, kwi-akhawunti yase-Euro - 4.25%. Ubude bokubambisana bufana nalokho okwedlule uhlelo.

Ikhanga amakhasimende nokuthi, kuye ngokuthi ifomethi yokubambisana ekhethiwe, ungasebenzisa izinsizakalo ezinjengezinkokhelo zenzalo zenyanga , ukukhokhelwa kwezindleko, ukukhokhiswa kwemali noma ukuhoxiswa kancane kwemali ku-akhawunti. Ukuzivumelanisa kokubambisana kwenza wonke umuntu akhethe ifomethi elula yokuqoqa izimali. Ibhange elithi "Standard Standard", elikhulumelayo lihle kakhulu, seligcwalise kahle izibopho zalo. Futhi esimweni somnotho samanje esinzima nakakhulu futhi naphezu kwesilinganiso esibi sokubuya. Ukungabikho kwezinkinga kuboniswa futhi ukuthi akukho ukubuyekezwa kwabathengi ngezitatimende ukuthi isikhungo sezimali asikhokhisi izikweletu.