"Tauride" Ibhange: emabhange Izibuyekezo

Eminyakeni yamuva, iziteshi izindaba wabezindaba ngokwethukela yokwazisa umphakathi mayelana nezinkinga ezingathi sína letibukene Petersburg Bank, aziwa izakhamuzi kanye namabhizinisi, njengoba "Taurian". Yiziphi ngobunzima isikhungo sezezimali, okuyinto uthethe imizamo ubuholi bayo ukuze kulungiswe isimo, yiziphi izibikezelo wezazi esikhathini esizayo esiseduze, futhi ekugcineni, lokho abakucabangayo amaklayenti asebhange - kuzokusiza uqonde lesi sihloko.

Bank "Taurian": ulwazi olujwayelekile

Commercial Bank "Taurian" (JSC) yasungulwa ekuqaleni `1993 ngenyanga ka-Ephreli. ukutholakala kwakhe lesikhungo ubophekile izinkampani ayisishiyagalolunye nezinhlangano, eziningi zazo ngokukhethekile ku ukwakhiwa nokudayiswa imikhiqizo emkhakheni ubuchwepheshe okusezingeni eliphezulu ukuze. Okwamanje, abanikazi obubusa izandla zingaphezu 5% lamasheya zimi kanje:. Zaharzhevskiy O. Yu, ebambe isikhundla Usihlalo Webhodi, Kuznetsov IV - omunye amalungu Ebhodi Yabaqondisi, Somov S. A., ngubani uphokophele iBhodi futhi eyaziwa «SPAREBANK 1 NORD-Norge», «West Invest" futhi "SPIC".

Njengoba yethula emakethe, "Tauride" ebhange basaqhubeka nokuthuthukisa, ukwandisa hhayi kuphela uhlu amasevisi ahlinzekwa amakhasimende ayo, kodwa futhi ukuvula amayunithi ezintsha futhi esisha emadolobheni kanye izifunda Russia ahlukahlukene. Kuze kube manje, ngaphezu ehhovisi main, etholakala, njengoba ayaziwa Petersburg, anakho 57 iminyango, phakathi okuyizinto imisebenzi ngempumelelo kakhulu ngiziqhayise: Bank "Taurian" (Sosnovy Bor), kanye namahhovisi elise eMoscow futhi amadolobha Pechora, Arkhangelsk, Cherepovets, Kingisepp, Ukhta, Emva.

Ngo "Tauride" ebhange, kanye namahhovisi ayo ungamukela loan, amakhadi esikweletu, ukhokhe izikweletu, ukudlulisa imali kunoma iphuzu Zomhlaba, exchange. Amakhasimende lokhu inhlangano yezimali ungabantu cishe izinkulungwane 250 kanye nezinkampani mayelana 40,000.

Lokhu kwakwenziwa ngayiphi injongo sidalwe "Tauride" ebhange?

Ukuvula ebhange, abasunguli bayo azilungiselele le migomo elandelayo:

1. Umgomo oyinhloko wabo yiliphi ibhizinisi - nokuvulwa inzuzo.
2. Qinisa isimo sezimali abanikazi bamasheya kanye ukwandisa nekusebenta nemisebenzi yabo kwezomnotho.
3. Yiba Neqhaza isixazululo ezinkingeni kumelwe zixazululwe amabhizinisi ezikhethekile ephethwe noma iningi umninimasheya kuyinto umuntu wasungula Bank "Taurian".
4. Ukuhlinzeka ngemisebenzi yomphakathi nezinhlangano ezingokomthetho ngokuyinhloko ezingeni elisha, elihambisana isikhathi nezidingo esandayo amakhasimende lanamuhla.

Patrimony

Ngasekuqaleni kwawo `ibhizinisi 90 waqala ukuthuthukisa ngokushesha yonke emadolobheni amakhulu nasemadolobheni yeRussia. Ayikho ngaphandle, futhi Petersburg. Bank "Taurian ', wadala enhlokodolobha kwamasiko, kusukela ezinsukwini zokuqala wokuvula yayo sagxila yokuthi umsebenzi wayo ophambili nosemqoka ukunikeza amakhasimende ne lonke spectrum services yasebhange. Kwagcizelelwa ukuthi ubudlelwano phakathi isikhungo sezezimali kanye namakhasimende ayo kusekelwe ubambiswano, ukubambisana kanye nenhlonipho.

Phakathi nayo yonke inkathi yomsebenzi walo ebhange njalo luzoqala emsebenzini ukuzisika-onqenqemeni ezobuchwepheshe, usebenzisa impumelelo zakamuva kwezesayensi nakwezobuchwepheshe, ithuthukiswe Imininingwane egciniwe, owamsiza ukuthola indlela siqu amaklayenti ngamunye futhi ukuthola izindlela ukuhlangabezana ngisho izimfuno eliphakeme. Ngaphezu efaneleyo kwabasebenzi bayo, "Tauride" iziqinisekiso yasebhange wonke umuntu ofake isicelo sangasese nokwethembeka.

Ngo-1999, iBhange waba ilungu owaziwa futhi ezidume kakhulu emhlabeni wonke yokukhokhelana Visa International, yebo, MasterCard. Ngaleso sikhathi samanje, naphezu kwazo zonke izinkinga ezikhungethe "Tauride", yaqhubeka isebenzisa yenzani konke okusemandleni ukuze singalahlekelwa ukuthembeka, ngokwethembeka hola iminyaka engaphezu kwengu-20, futhi uqhubeke bathethelele ngisho okulindele lalinamandla amakhasimende abaqotho.

Yiziphi amasevisi ebhange kungazuzisa ngabanye?

"Tauride" ibhange - Ilayisensi №2304 - inikeza abantu anhlobonhlobo amasevisi ukusizakala ngokuphelele yonke indoda enamandla. Ngakho, bonke labo abanikezwa ithuba ukukhipha loan, kuhlanganise mortgage, uvule noma yiluphi uhlobo idiphozi - in ruble noma izimali zakwamanye amazwe - benethuba replenishment kanye ngenyanga, ngesicelo ukuthola ikhadi lasebhange, ngawo umnikazi ngokushesha futhi ngaphandle kokuchitha isikhathi bakwazi ukuzivocavoca ezihlukahlukene ezingewona inkokhelo yemali (pay Umbuso izikweletu, sithenga at abathengisi bendabuko kanye inthanethi, ukuze uthumele imali kwi-akhawunti yakho ku-akhawunti nezinye abantu noma izinhlangano uthola inkokhelo icala th). Ngaphezu kwalokho, Petersburg has a ikhono eliyingqayizivele ukugcina ezibalulekile ikakhulukazi imibhalo yabo, izinto eziyigugu, futhi yini enye inhliziyo yakho, oqashisa wahlomisa ngokukhethekile futhi ephephile idiphozi amabhokisi. Ngisho uhlelo olufana nalolo iminyaka engaphezu kwengu-10 inikeza amakhasimende ayo yasebhange "Taurian" (Petersburg). Izinkinga isixazululekile uma i sibonga okusheshayo ezingeni eliphezulu of service nobuchwepheshe bale abasebenzi. Zonke imibhalo edingekayo okwenziwa ngokushesha ngangokunokwenzeka futhi ngaphandle imicikilisho engenasidingo.

Iziphakamiso Bank "Taurian" ngonyaka idiphozi na2015

Naphezu kwesimo esinzima sezomnotho Russia uzithola ngenxa ephoqelelwe ngokuhlela amazwe aseYurophu futhi unswinyo US hhayi ukwehlisa zenzalo ngo-2015 for imali. Bank "Taurian" umema bonke abafisa ukuvula yimiphi amayunithi yayo kwelinye ibhizinisi ukusuka ezine izinhlobo ezilandelayo imali:

1. Savings (ngesithakazelo nyanga idiphozi) - ne imali okungenani ruble 100,000 kuze kufike izinsuku ezingu-370, benethuba replenishment futhi izinga ukufinyelela 10,75% ..
2. Savings (lokukhokha ekupheleni idiphozi term) - bamukeleke ruble (ubuncane umnikelo kokuqala -. Ruble 10,000), aseMelika ($ 1,000) kanye euro (hhayi ngaphansi kuka 1000 €). Idiphozithi eside - izinsuku 91 nge umthamo wemvula.
3. Esiphuthumayo (ngesithakazelo nyanga idiphozi) - ne imali okungenani ruble 30,000. (12.8% ngonyaka) libo1000 $ (3% ngonyaka) noma € 1,000 (futhi 3% ngonyaka). Idiphozithi eside - izinsuku 91.
4. Esiphuthumayo (lokukhokha ekupheleni idiphozi term) - ne ekukhokhweni kwemali elinganiselwe eyi- in ruble - 30,000 (13.8% ngonyaka) ngamadola wase-US - e-1000 (3.5%), e EUR - 1000 (3.5%) . Idiphozithi eside - izinsuku 91.

Futhi osomabhizinisi ngabanye nezinhlangano ungacela ukuze uthole olunye ulwazi mayelana nemibandela enikeza kubo idiphozi "Tauride" ebhange. Imali ye izinhlangano ezingokomthetho igcinwe ruble, aseMelika kanye euro, futhi zenzalo incike lemali yokukhokha phansi isikhathi idiphozi (ngokuvamile kusukela 3 izinyanga ezingu-12).

Ingabe ukunikela, "Tauride" izinhlangano ebhange?

Njalo usomabhizinisi self-ukuhlonipha uncamela ukubhekana sikhungo ezicwaningiwe zezimali, sibe abantu abanokwethenjelwa futhi ujabulele idumela elihle. Okunjalo, ikakhulukazi, futhi "Tauride" ebhange. Imali abantu - akubona bonke ukuthi banganikeza amakhasimende ayo. Bank ukhathalela izithakazelo amabhizinisi amancane, aphakathi nendawo kanye enkulu. Ngakho, izinhlangano ezingokomthetho, "Tauride" kwenza lezi zinhlobo ezilandelayo amasevisi:

1. Settlement kanye cash amasevisi (CSC) - isevisi enikezela kuvulwa akhawunti asebhange lapho amakhasimende ungenza non-cash izinkokhelo, ukuguqulwa kanye ukuhweba ezezimali, udaba isheke izincwadi, ukude uphathe ama-akhawunti siqu, njll ...
2. Operations ezihilela amanothi daba, ukudayiswa, ukukhulula, exchange, promissory. Khumbula ukuthi bill yesibambiso esikhishwe amafomu, okuyinto Ukukhishwa ukuvikelwa ngokukhethekile sisetshenziswa ababenyathelisa. Noteholders yasebhange uthembisa ukukhokha inani bill, kuhlanganise isaphulelo, emva umnqamulajuqu eboniswa ku ukuphepha.
3. Ukwenza ezinkampani amakhadi kwabasebenzi, ngawo ungakwazi ukukhokhela ukuthenga kokubili eRussia nakwamanye amazwe, uphathe travel futhi ibhizinisi izindleko, ukhokhelwe, nokunye. N.
4. Ukuthola ahlinzekwa ibhizinisi onguchwepheshe zokuhweba kanye nokunikeza izinhlobo ezihlukahlukene zezindwangu ezingaba kwetinsita ebantfwini kungabikhona.
5. isilawuli lwemali - namasevisi ahlobene ngokuziphatha umsebenzi wangaphandle kwezomnotho ibhizinisi noma inhlangano, kanye ukuziphatha kwamanye amazwe imisebenzi kanye nesimo umklamo zokukhokhelwa eziyinkimbinkimbi yezimali ezidinga kokubonisana ongoti abaqeqeshiwe.
6. Brokerage nezinsizakalo - ukuvulwa kanye, ngokulandelana, ukugcina akhawunti Brokerage.
7. amasevisi Depository - ukuvulwa kwamatayitela akhawunti nokugcinwa kwako esimweni.

Zonke lezi zinsiza ingasetshenziswa, ukuze abuthele amaphepha adingekayo nokuhambisa isitatimende ku "Tauride" ebhange. impendulo kwamakhasimende mayelana izinga lenkonzo kanye nekhwalithi umsebenzi owawenziwa Ochwepheshe lingama omuhle. Bank iqinisekisa usizo futhi op isixazululo kwanoma iyiphi, ngisho nezinkinga eyinkimbinkimbi kunazo zonke.

Yini isu ukuthuthukiswa ebhange?

Ngokukhethekile kufanele ikhokhwe ekuthuthukiseni isu bezingelwa "Tauride" ebhange. Izibuyekezo ochwepheshe ngakho - angaphezu udumo. Hhayi ukuba okungenasisekelo, kufanele kuphawulwe ukuthi izinhlelo zokuphathwa ngekusasa eliseduze zihlanganisa imisebenzi efana:

• ukhulisa izinga lobuchwepheshe amasistimu asebhange;
• isingeniso kanye nokuthuthukiswa amafomu eziphambili yesevisi;
• ukwenziwa ngcono kwezidingo zabantu 'Banking Inthanethi ";
• kuvulwa neminyango entsha;
• ekuthuthukiseni nekusebenta amagatsha ekhona;
• Ukuthuthukiswa imishini yezobuchwepheshe ezindaweni zokusebenzela kwabasebenzi ebhange;
• ukukhuphuka dolobha ngokusebenzisa udaba lamasheya.

lwentuthuko, naphezu kwakho konke izinkinga ezikhona namuhla, ubuholi, okuyinto ngokuqinile lulandela Bank "Taurian". Ukuqothuka, okuyinto kangaka kukhulunywa ngalo ezikhathini zamuva uyihaba kakhulu. Okungenani, ngakho athi bamasheya ezinkulu izikhungo zezimali, futhi amaklayenti ebhange njalo ukusekela lesi sikhundla futhi ekujaheni ukushintsha umlingani nobani ukubambisana ethelayo iminyaka eminingi.

Bank "Taurian": ucabanga noma ukuhlela kabusha?

2014 ngenxa ukulandelana unswinyo kwezomnotho, yalahla iRussia, kwaba uvivinyo lwangempela ngoba izwe lonke. Nge nobunzima letibukene iningi labantu Russian. Izinkinga ukuthi abathintekayo lonke yasebhange Russian wemboni akayekiwe sibukela futhi "Tauride" ebhange. Izibuyekezo ngumthunzi engakhi imisebenzi yakhe yaqala ukusakaza ngesivinini esikhulu. In the press lokhu Januwari leaked Imininingwane ukuthi osonhlamvukazi weemali kwafinyelela izinga ezibucayi, owawungumnyaka 10.7% ngo-10% abafanelekile. Qondisa "Tauride" ezama ukushintsha isimo sibe ngcono nge abolekise futhi udaba olwengeziwe lamasheya. Nokho, ochwepheshe bheka ubuze ku le mizamo futhi izibikezelo zisekhona esidumazayo. Muva nje, kabanzi okuxoxwe ngokuthi kuzokwenzekani, "Tauride" ibhange - ukubuyekeza yelayisensi noma namanje kwendle. Imibono, njengenjwayelo ezimweni ezinjalo, ahlukana. Baba ilungelo labo bathi akukho ezikweletini. Lokhu kumenyezelwe ngoMashi 13 kuwo lo nyaka, lapho Bank of Russia ivume "Ezezimali Amazwe Omhlaba Club" (OJSC JSCB) njengoba zimali, ngubani izoyengamela "Tauride" imisebenzi, ngenhloso yokutakula zezimali. Ngenxa yalokho lezi zinyathelo kulindeleke, ibhange uzokwazi ukubuyisa ngokugcwele wenkonzo ophumelela njengo amakhasimende ayo kanye, njengasekuqaleni, ngendlela esifike ngesikhathi lokufeza izibalo kanye nezinye izinkokhelo.

"Tauride" ebhange: Izibuyekezo ikhasimende

Kudlule inyanga, amakhasimende ebhange netwetwe ukwesaba ukulahlekelwa ukuphila kwabo imali. Abaningi babekholelwa ukuthi wayengeke akwazi ukubashumayeza ukugwema ukuvalwa ibhange "Taurian" (Petersburg). Izinkinga ukuthi ihlangabezane owayebonakala nakanjani kuholela ekutheni ukuhoxiswa ilayisensi yakhe, futhi ngenxa yalokho, eduze. Ngokwemvelo, ezimweni ezinjena, ikhasimende impendulo imisebenzi ebhange kwakungezona engcono. Nokho, ngenxa izenzakalo zamuva - isinqumo kabusha - isimo sashintsha, futhi abantu abanethemba ukuthi "Tauride" "ukuvuselelwa" futhi uzoqhubeka ukujabulisa nasezingeni eliphezulu of service kanye nobuchwepheshe kwabasebenzi bayo, ngenkathi iqinisekisa ukuthembeka nokuphepha ephelele Ezezimali.

Impendulo evela abasebenzi imisebenzi "Tauride" ebhange

Umhlahlandlela "Tauride" Kuhlale indlela wemfanelo kakhulu ukukhethwa kwabasebenzi babo. Ibhange ziqasha tisebenti leticeceshiwe letinemakhono kakhulu, eliphezulu benza imisebenzi yabo, futhi bayakwazi ukuthola isixazululo ngisho izinkinga eziyinkimbinkimbi kakhulu. bayakwazisa ngamunye abasebenzi bayo futhi wenza konke okusemandleni ukuze adale ithimba izimo ezinjalo ukusebenza yena, ukuphathwa isikhungo sezezimali, lapho ukuthi ubengaba nomuzwa ezimenza azizwe atjhaphulukile. Leli qiniso kuqinisekiswa ochwepheshe asebhange, ngubani siyaziqhenya ukuze lucky ukusebenza "Tauride" ukuthi ushintsho endaweni yomsebenzi, abazange bacabange ngisho akulula kakhulu izikhathi yebhange.