"Metrobank": isisebenzi kanye ikhasimende Izibuyekezo

Ngeshwa, izinhlelo zamabhange akuleli yakhelwe ukuze izikhungo yimpumelelo, okuholela umsebenzi inzuzo isikhathi eside singazelele ziyeke ukusebenza. Isizathu sisobala - ibhange revokes ilayisensi ukwenza imisebenzi yayo. Ngenxa yalokho, njengoba ehlushwa emabhange ajwayelekile ibhange - labo ababegcina imali yabo kulo. Futhi kwenzekani kulowo imali ebhange eziqhutshwa, thola kunzima.

Enye yalezi - "Metrobank". Izibuyekezo nedatha olusemthethweni ukukhombisa ukuthi isikhungo ilahlekelwe ilayisensi ngo-2015. Ngaphambi kokumiswa iminyaka eminingi kwaholela umsebenzi yimpumelelo njengoba stapovitsya kucace emva izibalo zokubuka (nenzuzo nokulahlekelwa isitatimende iminyaka ethize). Funda kabanzi mayelana nokuthi yini "Metrobank", ukubuyekezwa emabhange, ogama imali "Wanamathela", kanye neminye imininingwane ngale ndaba, ukufunda lesi sihloko.

ulwazi olujwayelekile mayelana ebhange

Kumele siqale nge yokuthi sikhungo iqala umsebenzi wayo kuze kufike emuva 1993 ngaphansi kwegama "Umbala-Bank". Ngesikhathi esifanayo iphathe yasebhange inkampani ngakwazi ukuthola isitifiketi sokuba isimo Visa ilungu lale nhlangano, ukuze afeze imisebenzi nama-akhawunti amaklayenti '. Ngemva kwalokho Kusachutjekwa kwempahla asebenzayo futhi izinga yentuthuko.

Ngokwesibonelo, ngo-2005-dolobha share Kwandiswa ruble ayizigidi ezingu-150. "Metrobank" ngokushesha (lokhu kuqinisekiswa izibuyekezo abasebenzi) wathola ilayisensi izibambiso zokuhweba emakethe yamasheya. Ngo parallel, isakhiwo lwenziwe ukuheha amakhasimende amasha, ngenkuthalo waya ukumnika phakathi kazwelonke umshwalense idiphozi uhlelo we Russian Federation.

Eminyakeni eyalandela, umlando asebhange, ungabona kanjani ukwakha imikhiqizo emisha, sikhule izimali, uthuthukise isisindo zezimali. A-June 1, 2015 umlamuli emakethe yasebhange, kwanqunywa ukuba basule ilayisense, lapho ayesebenza khona, "Metrobank". Izibuyekezo abonisa ukuthi kwenzeka emva isikhungo wayeka abantu imali yabo. Funda kabanzi mayelana nokuthi kungani lokhu kwenzeka, funda ku.

Izinhlelo kanye nemikhiqizo yasebhange

Into ezithakazelisayo wukuthi isikhungo uye wasebenza eziningi imikhiqizo inzuzo, okuyiwona baningi ababesafuna ukuyibuka kusuka amakhasimende. Ikakhulukazi, ngaphezu abolekise zakudala kanye imali nokwamukela, nokugcinwa akhawunti nakuyi, "Metrobank" (lobuya abasebenzi isiqinisekiso) bokuqala kwalethela umthengi credit emakethe online ezitolo. Okuningi ngokunembile, lapha sifika phezulu ukunikeza ukubolekisa kubantu abafuna ukwenza ukuthenga ezitolo inthanethi. Kwathi ngo-2005, ukuthi kwakuyoba engacabangeki, banikezwe degree enganele ukuthuthukiswa kolwazi nobuchwepheshe.

IBhangengodla lwenteke nezinye izinto ezisunguliwe eziphathelene efanayo kulo mkhakha. Ngokwesibonelo, isenzo kwenziwa ngo-2008, owawuthi amaviki 2 ukhansele zonke izinhlawulo emalini ebolekwe kuncike ulindele ukubuyiselwa yona iphelele ka umboleki sekwephuzile. Ngaphezu kwalokho, ngawo lowo nyaka kwaba evulekile multi-lwemali imali, okuyinto futhi izici uhlu lwemisebenzi nhlobo izikhungo. Lokhu kubonisa ezingeni yentuthuko ebhange, baqhubekela yasebhange ubuchwepheshe eyayisetshenziswa umsebenzi wakhe.

izilinganiso

Yiqiniso, inikezwe ukukhula kancane kancane izimpahla yebhange nokukhuphula kwayo phakathi amakhasimende, "Metrobank", okuyinto thina izokhipha izimpendulo esikhathini esizayo, iye ngokuphindaphindiwe waphawula amazinga ezahlukene. Ngokwesibonelo, ngo-2009 i-ejensi "Isazi RA" alinikeze yasebhange isimo "eyamukelekayo credit sokubaluleka" (okuhambelana sohlelo B ++). Kakade 2012, onegunya "le Banki.ru" portal Inthanethi eyabiwe endaweni ejensi 245-th ku simo amabhange ngokuya dolobha ivolumu. "RBC" kwenziwe "Metrobank" ukuzinza eqenjini lesibili, esakhiwa amabhange naphakathi.

Okungukuthi, kungashiwo ukuthi lesi sikhungo wayengekho endaweni yokuqala ohlwini, kodwa wayezele impela eningi amakhasimende, ngaleyo ndlela ukuqinisekisa ukukhula nzile izikhundla ibhange iminyaka eminingi. Ngo-2014, bamasheya wanquma ukudlulisela ebhange kusukela isimo avaliwe inkampani isitokwe ngokuhlanganyela ngesimo "inkampani okuhlangene isitokwe".

Market ukuma

Umqondo jikelele lesikhungo lalithé: ebhange yethulwa njengoba jikelele. Yini bakhangwa "Metrobank"? Izibuyekezo Customer zifana: ebhange abamangala ngayo anhlobonhlobo amasevisi: ukubolekisa, imali, izibambiso ukuphathwa, umsebenzi nomthengisi.

amakhasimende ebhange ngikhululekile ukwenza Ukudluliselwa amanethiwekhi yokukhokha izinhlelo Visa, MasterCard Worldwide. Ngaphezu kwalokho, ibhange ixhunywe ku izinkokhelo "Rapid", kwenza kwaba lula ukuba afeze ukuthengiselana nge American Express amasheke Western Union.

nenzuzo

Lokho kwanika "Metrobank" inkampani? Impendulo evela abasebenzi abonisa ukuthi ibhange lalingenayo nezinkinga inzuzo. Uma ukholwa ukuthi ulwazi olusemthethweni ngesimo engu-phezu-izitatimende, singasho ukuthi ukwehla ivolumu amafa kwenzeka ngo 2009 kuphela. Yonke enye into, ibhange yabonisa imali ekahle: engama-ruble ayizigidi 807 ngo-2006, ama-asset ayo wakhula waba nomzimba $ 13 billion ngonyaka 2014.

Kuyini ezithakazelisayo kakhulu, amazinga ukukhula kungabonakala nasemkhakheni ngemibandela eminingi: hhayi kuphela ubukhulu ingqikithi amafa ebhange, kodwa futhi ku ezinjalo nezigatshana njengoba engenayo esuka abantu, imali, wambambezela nomholo - wazizwa yonke indawo uzuza. Lokhu kufakazela ukuthi ukuthuthukiswa kwe-yasebhange iyunifomu.

ukubuyekeza ilayisensi

Nokho, naphezu kwakho konke, i-"Metrobank" ilayisensi ichithwe. Kwathi sekushiwo ngenhla, ngo-2015. Umqalisi we lokuhoxisa baba Bank of Russia, okuyinto wabhekisela ukwehluleka ukuhambisana isikhungo yasebhange izibopho zayo ukuze abakweletwayo, ukwehluleka ukuhambisana nemithetho imisebenzi sinciphisa izithakazelo emabhange ababoleka. Futhi ulwazi olushicilelwe kwi Umlawuli wesayithi, yaphawula ukuthi zonke lezi zenzo babe umphumela ukwenqena ka ukuphathwa ebhange ukuze uthuthukise isimo sikhungo sabo, ngenxa yokungabi bikho reserve izimali uma non-ukubuyiswa kwemali imali ngenxa ukungakwazi uyenzele ebekwe isinqumo senkantolo ku ekukhokhweni depositaries isinxephezelo.

Izibuyekezo umsebenzisi

Noma kunjalo, konke lokhu kuyiqiniso. Uma sithola ukuthi isikhungo sezimali elinegama elithi "Izibuyekezo Metrobank 'loans kanye imali, uyokwakha isithombe esilandelayo. Ezinyangeni lokugcina isikhungo emalini ebolekwe sebeyekile kokukhipha emakethe. Abasebenzisi abaningi nje get wasenqaba lapho ngokomthetho isimo ebhange yaqhubeka iba ngcono. Ngemva kwalokho kwalandela "ucingo lokuqala" - ukubambezeleka kokukhokhwa. Zonke izibuyekezo abukeka afana kakhulu, nakuba zikhona abhalwe abantu abahlukahlukene. Isimo kanje: umuntu wasebhange, umcele ukuba abuyisele emuva imali yakhe, cashier iyaphendula, lokhu akunakwenzeka, woza futhi. Yiqiniso, ngemva kwalokho waqala ukwethuka yangempela phakathi emabhange izindawo kwi-inthanethi: abantu abazi lapho ukuya futhi ubani, ukuze kutholakale imali yabo.

Impendulo evela abasebenzi

Sasinjani isimo ngakolunye uhlangothi kocingo? Kwenzekani kubantu abasebenze "Metrobank"? Njengoba ilayisensi ukusungulwa ichithwe, iningi labo esephelelwe umsebenzi. Lokhu kuvamile: emva kokuvalwa inkampani kulandele ukunciphisa. They namatha futhi abasebenzi asebhange. Imiholo wabo, ngenhlanhla is zibophe.

Yini esinayo?? Obvious kukhona amaqiniso ezimbili: eyokuqala - iminyaka eminingi, ibhange liye labonisa ukuthi imiphumela emihle futhi lenze imali. Okwesibili - kulo nyaka ngokuthi izenzo nonprofessional ka ukuphathwa kanye kwilayisensi umsebenzi uyasuswa. Lo mbuzo ubuzwa: kungani ebhange ivaliwe ngempumelelo, futhi kwenzekani imali ezazisemizini akhawunti yakhe? Phendula-ke, ngokusobala, akekho can ...

Okwamanje, abantu balinde isinxephezelo yabo. Lapho, nokuthi ngaso sonke - isikhathi uzokutshela.