"Thembela" (NPF): izibuyekezo, izilinganiso. NPF "Thembela": kanjani ukuba bahoxe ekungeneleni inkontileka?

ERussia kukhona inqwaba eziningana izimali zempesheni yangasese. Umsebenzi wawo oyinhloko - ukusiza isimo e nokukhokhwa inhlobo efanele isinxephezelo ezakhamizini zaseNingizimu Afrika. Phakathi kakhulu brand adumile wemakethe umshwalense impesheni eRussia - NPF "Thembela". Le nhlangano iye ezisebenza ngempumelelo emakethe engaphezu kwengu-17. Yiziphi imininingwane yalolu Isikhwama "Thembela"? Ukuthi amakhasimende NPF ukubhala ukubuyekeza, phezu ukuxhumana Isikhwama? Yiziphi izikhundla e-ejensi amazinga NPF laziwe?

Imininingwane Isikhwama

NPF "Thembela" yasungulwa ngo-1997 - ingenye yangasese kuqala sempesheni we Russian Federation. Phakathi co-abasunguli kwenhlangano - inkampani "VolgaTelecom", JSC "NMGK", OJSC "Granite", JSC "Nizhpharm" futhi CJSC "Nizhegorodpromstroybank". APF ubambisana asigcini nje ngokulalela okushiwoyo izinhlangano ezingokomthetho ngokomzimba, kodwa futhi.

Ngo-2004, inhlangano wathola ilayisensi yokuqhuba emkhakheni yomshuwalense nempesheni ezizimele zonogada. Ngo-2010, NPF "Ukuthembela 'usayine isivumelwano ne JSC" BIN ". Ngemva kwalokho, inkampani ukuphathwa kwaba inhlangano "BIN FINAM Group". Okunye Criminal Code, okwakubekelwa abasemaqenjini esiKhwameni, - LLC "UK Isisekelo-Invest". Manje NPF - ku 10 izinkampani phezulu Russian elihambisana iphrofayli. Isikhwama ingenye enenzuzo kakhulu. Largest impahla siqu Isikhwama - ku 30 izinkampani phezulu Russian.

geography of

Uphi esamahhovivi NPF "Thembela"? Ikheli isakhiwo zokuphatha lenhlangano :. eMoscow, Big Savvinsky Pereulok 12, ukwakha 9. Umthetho-sisekelo inhlokodolobha inhlangano - ruble ayizigidi ezingu-150. I geography samanje PPF "Doverie" - eMoscow futhi angaphezu kuka-20 izifunda Russian. Isikhwama Kulinganiselwa ngochwepheshe njengoba omunye ezanda isici ukuthuthukiswa inethiwekhi izikhonzi lo mfelandawonye.

Uguquko isakhiwo

Ngo-2014, i-Foundation kwenziwe inqubo ukuguqulwa isimo esingokomthetho - evela kuma-NGO esikhathini AO. Zao "NPF Trust" - isakhiwo esisha sidaliwe. Ngo-2015, i-Fund kwahlanganiswa irejista isimo izinhlangano eziye baba amaqembu ukuze amalungelo amaklayenti wesistimu umshwalense. Manje JSC "NPF Trust" - igama elisemthethweni lenhlangano.

Imiphumela nezilinganiso

Ngo-2012, inhlangano langena izimali 10 phezulu ngenani izivumelwano ngemvume ku iqhaza izakhamuzi uhlelo umshwalense impesheni saziso. Ngawo lowo nyaka saba abalingani NPF amabhange eziningana ehola ezisebenza eRussia. Isu nokumaketha yesikhwama kuhlanganisa anhlobonhlobo imisebenzi: ukusebenza iziteshi ukukhangisa, on-line imithombo.

NPF inikeza 2 imisebenzi esemqoka: umsebenzi emkhakheni wokuphepha non-state, kanye ukubonisana nezakhamuzi kohlaka ayimpoqo izinhlelo umshwalense impesheni. Bobabili izinkomba lenhlangano kulinganiselwa ngochwepheshe njengoba kuphumelele. Ngokwesibonelo, ngekota yokuqala ka-2013 angaphezu kuka 339 ayizinkulungwane. Man-aspect wokubambisana ohlelweni yokuqeqeshelwa umshwalense sempesheni wayeqiniseka. NPF, ukubuyekezwa okuye baba osakazwa kabanzi online, besihambisana nesiminyaminya amakhasimende njengoba isakhiwo lapho Ochwepheshe abafanelekayo futhi iphendule. Esikhathini ikota 1st of 2013 ivolumu ukonga Isikhwama zaba ruble 7.8 bhiliyoni., Yikuphi imayelana 20 izikhathi ezingaphezu kuka-izibalo zabathanda nenani lesikhathi esifanayo ngo-2012.

Ukuhlolwa kwe-National Isilinganiselwa Agency

Enye yemigomo lemisiwe nokwethenjelwa ukuboniswa NPF "Thembela" - Isilinganiso. It zingase zimiswe ngesisekelo nenqubo ezihlongozwayo yizinhlangano ezihlukahlukene. Ngakho, i-National Isilinganiselwa Agency isinqumo sokuthi i-NPF "Thembela" Isilinganiso kufanele azimisele ezingeni AA-. Ngokuhambisana ngezigaba, le nkomba ikhombisa sikhwama uma isakhiwo enokwethenjelwa kakhulu yokutholwa enhlanganweni.

Ngu RA "Isazi"

Enye inhlangano, ejensi "Isazi RA", kubhekwa ukuthi isiKhwama kufanele labizwa ngokuthi inhlangano ephethe Isilinganiselwa of A +. Ngokuhambisana Ukwahlukaniswa ejensi okusho ukuthi NPF nayo kwachazwa ngokuthi okuthembekile. Ngesikhathi esifanayo, abahlaziyi "Isazi RA" waqinisa isimo sezulu singaba "ozinzile". Lokhu kusho ukuthi inkampani "NPF Trust" (izimpendulo ku ochwepheshe abaningi correlate nge lo mbono) awokuthi uzobuyisa isilinganiso sayo samanje esikhathini eside. Cabangela isimo rankings olufanele ngaphezulu.

Ingabe Zikhona Izimo Ezenza izikhundla eziphakeme

Siyini isizathu iqiniso lokuthi esiphakeme anjalo laba "Thembela" Isikhwama? NPF (ukubuyekezwa abahlaziyi abaningi emakethe uqinisekise lesi), ngaphezu kwakho konke, yakwazi ukwakha isu olinganiselayo utshalomali. Libuye yezimbangela omuhle ekuhloleni imisebenzi yenhlangano - ukusekela okunikezwa abasunguli. A indima ebalulekile eyadlalwa ukusatshalaliswa othakazelisayo amayunithi NPF ezindaweni yeRussia, kanye nekhwalifikheshini eliphezulu izisebenzi kwesiKhwama. Ngokusho abahlaziyi, lichaza ekwakheni izitho esiphezulu abaphathi Isikhwama abantu abasebenza, kukhona phakathi abanekhono kunabo emkhakheni umshuwalense non-state impesheni.

Inqubomgomo utshalomali lenhlangano libhekene ochwepheshe njengoba ngokwanele olandelanayo. Okungukuthi NPF "Thembela" (lobuya abasebenzi abasebenza izikhundla ezifanele, ukuqinisekisa lokhu) yakha umsebenzi wakhe, izama ukuqinisekisa, ngakolunye uhlangothi, ezingeni lelisetulu nenzuzo, ngakolunye - ukusebenzisa amathuluzi okunokwethenjelwa zezimali.

Ngokuphathelene umbono ejensi "Isazi RA", iphuzu omuhle ngekutimisela eluhlolweni yayo isilinganiso isikhwama sika wayebuye ezingeni eliphezulu lokonga isivuno enqwabelene ku-akhawunti siqu izakhamuzi abaye isayinwe NPF yesivumelwano umshwalense. Ngokwesibonelo, phakathi 2009 no-2012, lesi sibalo ohambelana kwaba 29%, ngesikhathi emali akazange idlule 23% ngesikhathi esifanayo.

Isilinganiso eliphezulu ngokuthembeka JSC "SPC Trust", abahlaziyi bathi, ingaphinda kuhlotshaniswa Dynamics umxhwele ukukhula imali, kanye iqiniso lokuthi Isikhwama - kuhlanganise nabaholi emakethe Russian ngemibandela ezifana nenani izivumelwano ungene ngemvume OPS ingxenye.

Okunye izinkomba ezinhle ezathonya sohlelo "Isazi RA" - isilinganiso kahle esiqiwini umshwalense, futhi into ezifana VVCP. Abahlaziyi ziye zabhala ekupheleni ngekota 3rd 2013 sasifana nokuthi 6.4%, kanti inani lemidiyeni wemakethe sabhalwa ezingeni 6%.

Ungakwazi futhi wazi ukuthi izinqubo zebhizinisi kanye ukusebenza Isikhwama IT-ingqalasizinda "Isazi RA" Kuhlolwe ngoba NPF "Thembela" njengoba ngokulinganisela eliphezulu.

Isici esibaluleke kakhulu ezathonya eziphakeme simo edumile NPF Agency - Ukuvezwa izinhlangano uxhaso ukuhlela zimali. Ngakho, ngo-2011, labo izenzo kuncike izikhungo ezinkulu zezimali, okuyinto nokukhuthaza emakethe yomshuwalense impesheni yangasese.

izingqinamba nenqubo

Omunye nenqubo nokukhawulela ukuhlola ochwepheshe ukuzinza Isikhwama "Isazi RA" kwaba iqiniso ukuthi NPF libhekene okusezingeni eliphezulu lokonga ukwabelana isiyonke impesheni amafa - mayelana 97%, kanye nokwaneliswa kunalokho ongaphakeme IOUD - ekupheleni ngekota 3rd 2013 sasifana nokuthi 0 2% isihlobo imali, kanye 2% kwe-aspect izindleko NPF. Abahlaziyi "Isazi RA" uye wakuthola kunzima ukuhlola amathemba kanye ikhwalithi yamasevisi agcwele Criminal Code "Finam BIN Group". Le nhlangano akuyona zihlolwe isici nokwethenjelwa izilinganiso, ezakhiwe ochwepheshe "Isazi RA" kanye nezinye izinhlaka ezaziwayo ukuthi nemfuneko inkampani ezingeni "A" futhi izinyathelo ukuthi idlule kuwo.

ukuqhubeka isu

Kushicilelwe ku imithombo ehlukahlukene idatha zisikisela ukuthi Isikhwama izogxila ukuthuthukiswa nokwandisa base ikhasimende, kanye ukudalwa izinhlelo nempesheni e corporate nezokuxhumana ingxenye.

Futhi a ethembisa yebhizinisi Isikhwama banephupho ukwenzangcono ikhwalithi ukuxhumana namakhasimende kanye ngcono ukusebenza ezinhlakeni ezehlukene inhlangano iyonke.

Ukunqanyulwa yesivumelwano ne NPF

Naphezu kweqiniso lokuthi kwesokunxele ku ezikhethekile inthanethi amakhasimende NPF "Thembela" Izibuyekezo - ngokuyinhloko omuhle ukuthi ezinye izakhamuzi ibhekene nesidingo sokuqeda inkontileka esiKhwameni. Lokhu kungase kube ngenxa yezizathu ezahlukene. Ngokwesibonelo, izincomo inganquma inkampani umqashi, ongene isivumelwano nomunye Isikhwama. Uma umuntu uye wanquma ukwala ukubambisana ne NPF "Thembela" njengoba sokuqeda inkontileka indlela elungile kakhulu?

imigomo ngokwamukelekayo ukuqedwa kwenkontileka

Ngokuhambisana nomthetho, ukuqedwa kwenkontileka ne NPF kungenzeka nganoma isiphi isikhathi. Odinga ukwenza isakhamuzi - ukuthumela inhlangano yohlobo esifanele isitatimende. Kuyadingeka lokusayina imiqulu, owawuthi amanani ibekwe ekulandiseni NPF, uzobe komunye fund noma adluliselwe ku- akhawunti yasebhange ye isakhamuzi.

Ngesikhathi inqubo yokukhokha efanayo esungulwe NPF "Thembela" zingase zihluke ezamukelwayo kwezinye izinhlangano iphrofayli efanayo. Kodwa ngokuvamile, isamba inkokhelo yenziwa sokubandakanyeka yayo kule formula kubalwa izimali zanqwabelana, nokungeza imali. Emalini yilezo izinkokhelo ukuthi sezivele awenziwanga.

Akunandaba nini ndoda yanquma ukuba nihlukane ne Isikhwama "Doverie" - ngesikhathi lapho kukhona ukunqwabelana izimali, noma inqubo ukuqaliswa izinkokhelo. Yonke lemali ekhokhwa ikhasimende, kumele ikhokhwe ngaphakathi emileyo.

izikweletu zentela

kwesokudla yisakhamuzi ukuthola iholo kusukela NPF, okuyinto unqamule inkontileka, nayo ihambisane nohlelo isibopho sokubuyisela kwentela yengeniso ku ukuqhutshwa yohlobo ehambisana. Nokho, uma umuntu amkhethile okuhlukile lapho izimali zidluliselwa kwenye NPF ye "ithemba", asikho isidingo ukukhokha intela. Esinye imininingwane: izindleko zezimali ezihlobene ne ukudluliswa kweemali komunye inhlangano kwenye, enikezwa NPF iklayenti.

Sixoxe imithetho - kuvamile kubo bonke izimali ze-non-umphakathi, kufaka phakathi NPF "Thembela". Indlela sokuqeda isivumelwano, siye safunda le. Manje sihlola nomkhakha we umbono uchwepheshe kanye namakhasimende ukuba bakwethembe. " Uyini degree womaya zimali ka sempesheni non-state?

Izibuyekezo yesikhwama "Thembela"

Ochwepheshe abaningi emakethe waveza umbono wokuthi Isikhwama waba nenhlanhla enegama ebandakanya igama elithi "ithemba". NPF (izibuyekezo eziningi abanikeli yayo uqinisekise lesi) iphethwe ukuze zikhange abantu bakulezi izakhamuzi ezingeni lelisetulu abasebenzi zamakhono. Izakhamizi ukukhuluma lochwepheshe izinhlangano njengendlela, ochwepheshe abafanelekayo abanolwazi abakulungele ukuchazela iklayenti zonke ezicashile izinhlelo kwempesheni.

Ngoba imicabango yabantu kubhekwe we NPF libhekene yokuthi degree of ukuhlolwa lenhlangano akuxhomekile esifundeni. Uma umuzi, elinabantu amaklayenti abaye bashiya mayelana NPF "Thembela" Izibuyekezo - Moscow, umbono okuningi ezakhayo sengathi ifomu yabo zimali, isibonelo, kusukela Orenburg. Lokhu kusikisela ukuthi kuzo zonke izifunda ze-SPC ukusebenza kohlaka imodeli esinobunye ukuxhumana namakhasimende, okuyinto, ngokusobala, libhekene indlela ngezifiso ngokwanele futhi okusezingeni eliphezulu inkonzo izinga, contact izakhamuzi. Uma umuzi, nesebenzela igatsha NPF "Thembela" - Samara, ukubuyekezwa, cishe kusukela izakhamuzi zendawo zifana nalezo nisukele eMoscow.

isivuno isici

Kuyini ufana emabhange yesikhwama, singabali isevisi? Uma sihlaziya nemibono ebekiwe isihloko zezici ezibangela ithemba - NPF (izibuyekezo abahlaziyi abaningi kwehlisa nalo) edonsela amakhasimende nokwethenjelwa. Nokho, ie Isikhwama akathembisi emabhange izinombolo Amazing ukubuya, kwenza kube sobala ukuthi le izibalo, okuyinto siyithola kohlaka wamanje utshalomali isu, akazange zaba khona ngengozi. Ngakho-ke, njengoba kufakazelwa ziqondiswe NPF "Thembela" ukubuyekezwa, amaklayenti bakhangwa obala ebuhlotsheni nenhlangano ye emabhange. Ochwepheshe NPF, okuyinto uxhumana izakhamuzi, ukuchaza ngokuningiliziwe izinzuzo ubhala inkontileka esiKhwameni, ukugxila utshalomali imodeli inhlangano ibhalansi.

Kukhona Isikhwama maqondana nemisebenzi zezakhamizi kanye imvelo futhi degree ezinhle ukungabaza. Basuke exhunywe ikakhulu ne eyandulele, ezembula ngokuhanjelwa NPF Indawo labo abangase babe abathengi futhi ukucela ukuphothula isivumelwano. Nokho, akukho ukwaziswa okunokwethenjelwa umphakathi ngalokho umkhuba wokusebenzisa NPF kuyinto letindzala, kanye amaqiniso, indisputably efakazela ukuthi ukuvakashelwa kukhona nje abasebenzi "ithemba." I-ejenti kungaba umlamuleli enikeza ukuphetha izivumelwano ne SPF ezahlukene.