"PSA Bank": Izibuyekezo emabhange, imali, izinkinga

"PSA" emabhange yasebhange izibuyekezo muva yaqala ukubonakala ephethe tinge negative - kuyinto credit jikelele futhi isikhungo sezezimali lapho akhawunti has ukutshalwa ngokwanele ezinkulu zakwamanye amazwe. izinhlangano Izinsizakalo ezisemqoka - kuyinto ukusebenza kumakhasimende ezinkampani futhi ngabanye, imisebenzi utshalomali kanye kwamakhasimende ngamazwe, ukuthengiselana inter-ebhange. History of the «VAB» ebhange iya ezikude 1992. Ngokwe isilinganiso Ukwahlukaniswa amabhange ngokuvumelana NBU, ukusungulwa kwakungekaNkulunkulu endaweni 1st eqenjini kwezinhlangano ngobukhulu zezimali kuleli zwe. Yegatsha lenhlangano yezezimali ukusebenza kuwo wonke amagumbi isimo.

«VAB» ebhange, okuyinto libuyekeza ungahlangana nokubi, futhi okuhle support system of izinkokhelo zamazwe ngamazwe. Lokhu Visa International, MasterCard kanye International. igunya Ibhange iwukuba ukukhokhelwa kwezinhlelo impesheni.

Yini ekhangwa ukubambisana?

"PSA" yasebhange njalo yabakhanga zimali, njengoba kwadingeka idumela lihle. A isikhungo enkulu yezimali akufanele behluleka ngisho izikhathi esibucayi ezinzima. Usayizi kanye nenani emagatsheni amabhange e-Ukraine babonisa ukuthi uhlelo ngeke ugoqe. Inkampani wayeba njengompristi umgogodla lonke isakhiwo sezimali yezwe, futhi ishintshela the eqhulwini sasithi hit umnotho. Njengengxenye ebhange kwaba njalo kuyatholakala elihle kunawo dollar exchange rate. Iklayenti inikeza amasevisi enemisebenzi yemali yezindleko omncane. Eceleni Kungathiwani imali, okuyinto ku isizinda neminye iminikelo emakethe likhanga kakhulu. Iminyaka ecishe ibe ngamakhulu amabili iminyaka yonke emlandweni Bank of izikhalazo ezivela kumakhasimende ayikaze, kokubili inzalo kanye imali siqu zakhokhelwa ngendlela esifike ngesikhathi. Konke ku eyinkimbinkimbi futhi ukuqinisekisa ukuthembeka enkampanini yezimali, idonse eziningi zimali nokubambisana. Kungani ngempumelelo kuphela badlula inhlekelele 1998 no-2008.

What do izinombolo, noma izibalo zakamuva omuhle

Naphezu idumela elihle kakhulu ebhange, izibalo zakamuva zibonisa zikhona nobunzima ezithile inhlangano yezimali. Ngokwezibalo, ukusungulwa osesikhundleni kuqala sohlelo amabhange Ukraine futhi eyilungu leqembu lesibili. Inhlokodolobha ogunyaziwe isikhungo "VAB" ebhange, okuyinto Izibuyekezo akuzona okungcono, ilingana ayizinkulungwane 3.048.619 hryvnia. Net isithakazelo imali Wagcina sekubika, ngokuvumelana eyanikezwa yasebhange 475 ayizinkulungwane 543 hryvnia. Kunenye inkomba ezithakazelisayo ibonisa ukuthi isimo - inzuzo ngoba inkathi, okulingana cishe lokususa ayizinkulungwane 50 hryvnia. Against ngemuva izinkomba asele inani akuyona elikhulu, kodwa kufanele ube sikhathazeke zezimali eziphambili zezezimali.

Ukuqalisa nkinga kuqala?

Ngokokuqala emabhange lokuqala "PSA" igatsha lasebhange nelilinganiselwa lonke elase-Ukraine, yaqala nobunzima nge wokukhokha imali yesibambiso entwasahlobo ka 2014. Ngaphezu kwalokho, ukubambezeleka wayengeyena nje kwe-aspect of the ukubuya imali, kodwa futhi akhokhe inzalo ku imali. ukuphathwa Ibhange sika akazange avumele ukwethuka ngesikhathi futhi njalo igxile iqiniso lokuthi inhlangano yezimali maduze uthole refinance ezinhle, futhi zonke izinkinga ngeke kude ukuya ubunzima besikhashana esikhathini eside esadlulako.

Lesi sitatimende kwakungelona ukukhwabanisa, kanye ekuqaleni kwesikhathi Inkinga isikhungo sezezimali ngempela ukuthola imali enhle ngoba Olegu Bahmatyuku wakwazi ukuxoxisana nohulumeni omusha. ukuphathwa Ibhange ukuze ugxumele futhi ukumemezela Ukukhishwa kwemali ku inani 1000 hryvnia ngosuku. ekugcineni tranche eside ubalekela cishe ngokuphelele. Kukhona iziphakamiso ukuthi usizo ezinkulu zezimali sasetshenziswa nokugcina Bakhmatyuk ibhizinisi kanye nokugcina lwemali. Nakuba la maqiniso ukufakazela engenakwenzeka. Ngaphezu kwalokho, abezindaba Ubhale ngokuphindaphindiwe mayelana lokuthi uma ivuliwe imali emabhange ibhizinisi "VAB" ebhange, okuyinto libuyekeza uvalo usomabhizinisi yakha ibhizinisi lakhe wezolimo.

Ake ubuyele ukubuya imali. Umkhawulo 1000 hryvnia isinyathelo eside. Lapho umkhawulo ebekiwe esandleni esisodwa lemali kungukuthi wathola. Ukuze okwethusa inkalankala savers ukunciphisa imikhawulo ofika ku-500 300 hryvnia, izinhloko weza ngendlela ehluke kakhulu. Eqinisweni, imali yangempela yayingewona ku amatafula imali ebhange akuyona izikhathi ezingaphezu kuka-1-2 ngesonto. Ukudluliselwa kwamanye ama-akhawunti avalwa. Ukuze ekunqanyulweni nisebancane yesivumelwano, amakhasimende kwadingeka ukuba ukhokhe idiphozithi 10%. Futhi lelo kwaba nje kuwukusika elijikayo. Konke wadalula nedumela lokuba 'PSA "ebhange isikhungo sezezimali. Ukuhluzwa kwemibhalo kuwo 2014 kwakungamadodana amasignali lokuqala crisis ezizayo.

Okwenza umsolwa oyedwa: Ukuphathwa yokungaziphathi kahle

Ngokusho ukwaziswa kwamuva kusuka kwabezindaba, umnikazi we "PSA" kusengozini lapho izimali inkampani yasebhange izibuyekezo njalo ngenyanga siya siba sibi kakhulu futhi okubi nakakhulu, isivele eyaziwa e-Ukraine Bakhmatyuk. Naphezu kweqiniso lokuthi umnikazi wamasheya usephikile ikuphi ukubandakanyeka ebhange, amaqiniso xoxa indaba ezahlukene. Njengoba sithole, isikhungo loans zezimali ukuze inkampani ngesikhathi esifanayo 4, impahla Bakhmatyuk: "Rayz Maksimko" futhi "Niva", "Spetsagrarproekt" futhi "Agro-Alpha". Ngaphezu kwalokho, ukuphathwa isikhungo sezezimali - umuntu eduze yokugcina, owenza ngendlela egameni nabameleli bayo eziningi enkantolo. Kuvele Eqinisweni ezithakazelisayo wukuthi loans anikezwe izinkampani zezolimo eyanikwa ngaphansi iphesenti engenangqondo, ngaphakathi 16%, okuyinto cishe ilingane izinhlelo idiphozi, futhi awubhekene ukulahlekelwa lesikhungo sezimali. Nabezindaba isitatimende ngokuya ezivamile "VAB" ebhange, okuyinto libuyekeza negative, yathengwa kuphela ngenjongo amakhredithi izinkampani zezolimo okukhulunywe ngaye ngenhla, kanye nobambiswano letihlomulisa nabantu kanye kumakhasimende ezinkampani, futhi inkulumo awuhambanga. izinqubomgomo Babengafundile ubuholi obusha kwaholela eqinisweni ukuthi isikhungo sezezimali "PSA" emabhange yasebhange libuyekeza abampofu.

Bobble lokukhwabanisa: umlando inkinga

Ngaphezu isenzo esingekho emthethweni kanye abangenamakhono nguhulumeni omusha izikhungo zezimali "ka VAB" ebhange, izinkampani isiphetho wayezimisele ngokukhwabanisa zezimali, okwakubekelwa okukhulunywa ngayo ngokuphindaphindiwe emiBhalweni iphephandaba "Evening News."

Ekuqaleni, umphakathi zitholakala mayelana iziteleka kwabaphathi bemali, ngubani ezinekhono zenqaba ingcaca ukuqala afeze exchange angaphandle ukuthengiselana awekho ngaphansi komthetho kwesidzingo. Bank ukuhlolwa ezingalindelekile waqinisekisa ukuthi ngaphakathi izikhungo olwenziwa imisebenzi okweqa ku- $ 4 million. Lena izikhathi 10 ezingaphezu kuka lwemali empeleni othengwe kusukela ngabanye. Sabe ucacise ukuthi kuyinkambo ukuthengwa nokudayiswa US lwemali emakethe ngesikhathi ibhange kwaba omunye ezikhanga kakhulu.

It kuhlobisa isimo iqiniso lokuthi ukuthengwa izimali zakwamanye amazwe e inani iklayenti ezivamile 100- $ 200 kwakungenakwenzeka, ngoba izisebenzi okhuluma njalo mayelana ukungabi khona imali esesandleni. Ukucwaningwa wabonisa ukuthi nsuku zonke ehhovisi wathenga amakhulu ezinkulungwane zamaRandi, futhi lokho nje ngesandla esisodwa. Kulokhu, izinkokhelo zahlukaniswa izingxenye eziningana, ukuze ngingasebenzisi ukuheha ukunakwa. Isetshenziswa imibhalo engamanga. Zonke namarisidi esisayinwe cashier. ngezinye izikhathi umthamo isamba ukuthengiselana emini kudlulwe $ 2 million, njengoba kubonakala imibhalo. NBU akazange ukuphatha ukusungula indlela izinto ukusebenza ebhange kanye ivolumu zokukhokhelwa akazange uqondane izenzo langempela kwabaphathi bemali. Ngaphezu kwalokho, ukuqoshwa isiqophi ngenkathi kokuhlola awazange anikezwe ngokugcwele, futhi abanye opholile nazo ukukhwezwa. On yokuthi ukwephula ebhange wayeshonelwe ukwethenjwa NBU, futhi kwaqalwa ubungozi bokulahlekelwa ilayisensi. Amaqhinga idumela nokumiswa "PSA" Bank, ukubuyekezwa zaqala ukubonakala esibi kakhulu.

Njengoba zimali behlupheka?

izinqubomgomo Babengafundile ubuholi obusha, obenziwa ikuvumela ukuba ukhiphe multi-million imali engenanzalo, kubathinta kabi ukusebenza ebhange izibopho zayo ukuze emabhange, zazo zikhona eziningi. Ibhizinisi isu, kanye ukuhlanekezela yokubika, umthelela idumela. Lokhu kuchaza yokuthi ukusungulwa "PSA" emabhange yasebhange libuyekeza negative yamuva. Ngokusho amakhasimende, ababe eside ngokubambisana neNhlangano yokugcina futhi akukaze inselele, namuhla kukhona ezinye izinkinga. Lokhu yokungakhokhi imali ekupheleni imigomo yabo. nobunzima ethile ezihlobene ne-dollar iminikelo. Imizamo ukuqeda ngobunzima isikhungo sezezimali by ekuheheni zimali angaphandle enhlokodolobha yabhuntsha, ngakho-ke, izinkinga ophuthumayo ezifakwa wasala limbo.

Kangakanani ukuhoxiswa imali, futhi noma ngabe wenziwa nhlobo?

Ukuba khona izinkinga "PSA" yenkampani Bank njalo Izibuyekezo bathi. Abatshalizimali hhayi nje kuphela ungathola izandla zakho phezu imali yabo, baba eziningi izimo ngenxa yokuntuleka abambisana ngokugcwele. imibiko Owamukelwayo ukungasebenzi ehlelekile yasebhange inthanethi kanye yokuntula ithuba ukwenza Ukudluliselwa. Uma ngaphambilini ezibhalwe ku-akhawunti yekhadi imali kusuka idiphozi kungaba zisuswe at ATM "Umkhathi", noma inkokhelo non-cash ezitolo namuhla, lokhu akunakwenzeka. Amakhasimende musa ngisho ukuthi kungenzeka ukuba uthumele imali yabo kusuka ku-akhawunti eyodwa kuya kwenye.

Ngesikhathi ibhokisi amagatsha hhovisi kukhona ehlelekile ngingenamali futhi ATM akunalutho. Umhlahlandlela «VAB» Bank Oleg Bakhmatyuk ubuso onibekele isikhalo National Bank nokutjhugulula sikhungo. Ngeshwa, isicelo wanikezwa kuchithwa, kusukela inqubomgomo umsebenzi ukusungulwa Sekuyisikhathi eside ngemibuzo. Njengoba sicabanga ngethemba lokugcina zimali bavunyelwe yima ekuqaleni 2015 emigqeni isikhathi eside ukuthi abalethanga yi. Ukuphela kwethemba imbuyiselo - kuba yokukhokha umshwalense Isikhwama siqala esinqunyiwe.

Imibuthano kanye nemibhikisho - obudluleleko lapho zimali

Mayelana "PSA" ebhange ikhasimende impendulo onyakeni odlule wathola ezimbi zodwa. Abantu e isidumo uzama ukuwuthola imali yabo. Ngemva ukwethulwa ushwele wesikhashana isikhungo NBU neyaziwayo ezikweletini. Emphakathini isimo esishubile akupheleli Izibuyekezo ezingezinhle. Abantu baya imibuthano, bazama ukuba bakhulume ngokomuntu siqu nobuholi inhlangano, okuyinto, uveze amaqiniso njengoba enjalo, abalethanga imiphumela. Kwakukhona ngisho indaba ekhatsi Kiev, okuyinto ayebhalwe yabezindaba, lapho abesifazane bagcwala imigwaqo bezwakalisa ukushaya ukubuyela izimali, futhi ivinjiwe ukuhamba izimoto emigwaqweni Kiev. Eminyakeni eminingi yomsebenzi elikhiqizayo ebhange ezinqwabelene impela eningi amakhasimende, ikakhulukazi ukuphathwa wangaphambilini we isikhungo sezezimali njalo yakha umsebenzi walo ngendlela ezifana ukufeza zonke izibopho zayo kumakhasimende. Into kuphela lejabulisa abanikeli namuhla - kungcono isitatimende sika-Alexander umabhalane othatha okuthunyelwe phezulu lokuqala elifike NBU. Ngokusho kwakhe, amasevisi afanele namuhla uthathe zonke izinyathelo ukuze ulethe "PSA" Bank (Ukraine) kusuka emakethe futhi ngesikhathi esifanayo ukwanelisa iningi izimangalo abakweletwayo.

Izinkokhelo yisiKhwama imali yibhange: noma ancike ubuncane engokomthetho?

Kwake kwathi ngo-September 2014 ku "PSA" izinkinga ebhange lapho ziye zathinta izinkulungwane zabantu yonkana Ukraine ekuphathweni zesikhashana laqanjwa, isiKhwama imali yibhange Kusolwa isibopho sokubuyisela ecishe ibe yizinkulungwane 200 hryvnia depositor ngayinye uma ngabe inani elifakiwe ilingana noma enkulu kuno-standard isethi . Izinkokhelo bamiswe ekupheleni 2014, futhi phakathi nale nkathi bese ehhovisi ibhokisi namanje Amahhovisi ukusebenza futhi emahhovisi Ukrsotsbank emgqeni baqala ukubuthana. inhlangano Ikhasimende "PSA" ebhange, okuyinto ezifakwa eminyakeni embalwa edlule kakhulu ukhangwa abantu ezilotshwe uhlu ucacise ngesikhathi sokukhokha. Kwakuwusuku emva ukuvakashelwa kwanoma iyiphi imali.

Ukulandisa kuqhubeka kuthi usuku nosuku. Abantu kwakudingeka ukukhipha amakhadi kanye kancane kancane ukubanjwa kubo ikhokhwe. Imininingwane ekusetshenzisweni ngokugcwele ukuzibophezela ohlangothini National Bank Idiphozithi Isiqinisekiso Isikhwama ingakamiswa kubika. Isimo oseleyo amadolo namuhla.

Ubani usola Bakhmatyuk noma isimo ngeso usomabhizinisi ukrainskgo

Isimo lapho kugadla "PSA" ebhange, ashaya ekhukhwini izakhamuzi eziningi Ukraine. Kodwa into ezithakazelisayo kakhulu izimo umninimasheya main Bakhmatyuk isikhungo sezezimali alamukeli icala lakhe. Yena ubeka umthwalo walokho okwenzeka ngesikhathi NBU. Ngokusho kwakhe, wathembisa ukulondoloza isimo ngokuba i izikhungo zimali, kuhlelwe ukutshala izimali zami kule "PSA" Bank (Kyïv) njengoba wamasheya izigidi eziyizinkulungwane ezintathu hryvnia. National Bank uthembise ukwenza ofeleba ezengeziwe inani 4 bhiliyoni hryvnia. Nokho, ngomzuzu wokugcina wenqaba isimo nokutjhugulula. A umzamo wesibili ukulondoloza isimo usomabhizinisi Ukrainian - yilungiselelo isikweletu subordinated ebhange iminyaka 10, kodwa ngenxa iphothifoliyo zimali sika lobulungu sipho sinqatshelwe. Izizathu zalokhu ngesinqumo sesiKhulu NBU kwaba Commission, osewaziwa ebhange ukuhlola futhi silungise yokuthi lokukhwabanisa zezimali. Umniningwane izindaba zangaphakathi ebhange ayikwazanga ukuhlola ngisho nochwepheshe kulo khona lonke ulwazi lwezibalo etholakalayo. Abezindaba wakhothamela yokuthi ukungakwazi ukulawula isimo kanye babegwedla NBU okuphambili indaba yokuqeda yasebhange ngobukhulu kuleli.