"Vneshprombank": libuyekeza emabhange

On the Russian amasevisi ebhenki emakethe kungaba ukusho ngokuphepha ezinye abadlali kunazo owaziwa abafanelwe ukuqiniseka amakhasimende, ngenxa okuyinto ukuheha ezifakwa ezinkulu.

izakhiwo ezinjalo, njengoba umthetho, impela umlando onothileko imisebenzi yayo, eningi namathuluzi usebenze namaklayenti, kanye dolobha abalulekile ukuze bakwazi ngokuqiniseka usebenza embonini utshalomali.

Enye yalezi amabhange iyona Russian "Vneshprombank". Izibuyekezo ngakho, futhi ikakhulukazi imisebenzi inhlangano imisebenzi yasebhange sethula kulesi sihloko. Lapho kulungiselelwa le lwazi luzosetshenziselwa njengoba posted on the website esemthethweni isakhiwo izinto, kanye nokubuyekeza engatholakala ngezisetshenziswa angaphandle.

izici Jikelele

Kumele siqale nge yokuthi "Izibuyekezo Vneshprombank 'mayelana nokuthi iziphi izinhlelo sikhathazeka, yasungulwa ngo-1995. Phakathi nalesi sikhathi, igatsha encane isakhiwo tekusebenta ne-sisekelo sesigidi eziyisishiyagalombili ibhange phathelana kufakwe 100 amabhange esikhulu kunazo zonke eRussia. Ngenxa yalokhu, yebo, manje ebhange uye yazuza iphothifoliyo yayo amathuluzi amasha ngawo afeze umsebenzi emkhakheni wezezimali.

Izindawo yokuSebenza

Kepha lokho kufanele anikele uhlu "Vneshprombank" Izibuyekezo izindawo amaningi yomsebenzi: zifakwe ebhange (edonsa izimali sabantu nezinhlangano ezingokomthetho ukuze nokubekwa yayivamile inzalo yemali-) ukubolekisa (ebhekisela kokubili mortgage umthengi loans for wangasese abantu), utshalomali (izindlela avelele control) nokunye.

Njengoba kushiwo kuwebhusayithi Bank esigabeni Kunconywa yazi zimali - ukusebenza abalingani lapha bayakwazisa obala, nokuvuleka nisondele iziphethe kahle. Futhi, lapho kuchazwa ukunamathela saziso nemithetho mayelana nokuziphatha kwezamabhizinisi kanye nesiko yenkampani. Ngokuvamile, leli khasi ubala zonke izinto ezinhle kangaka igugu ubambiswano.

imikhiqizo yasebhange

Ukuze imikhiqizo bekulungele ukunikeza amakhasimende ayo 'Vneshprombank "(izibuyekezo lolu lwazi kuqinisekisiwe), ke imali, isevisi loan amakhadi asebhange, umsebenzi nge Internet Banking, okukuvumela ukuba uyisebenzise kahle imali yakho le kude, sitshala imali izinsimbi eziyigugu , ukugcinwa ephephile idiphozi amabhokisi eziyigugu. Futhi lapha kungaba imali yokukhokha intela yendlu ikamelo sezingxoxo, sipho zokuhlala kanye nezinsizakalo ukheshi ibhizinisi yangasese, ukukhipha izitifiketi ukonga. Okusho ukuthi, njengoba kungabonwa, ububanzi ibhange lwamasevisi ubanzi ngokwanele. Nokho, ukuze uqonde kangcono ukuthi "Vneshprombank", izibuyekezo, izilinganiso, kanye nolwazi mayelana ezinye imikhiqizo yayo ngeke ukuvikele kithi. Ngokusekelwe kulezi, siyokwazi ukubabekela phansi isithombe umgomo ngaphezulu. Asiqale onalezizimpawu amasevisi ethandwa kakhulu.

nokubonga

Njengoba sekuphawuliwe kakade, iBhange waziphatha Ukukhishwa umthengi kanye mortgage loans. Esimweni sokuqala kuziwa ekunikezeni izimali ezimalini ahlukene kuze kufinyelele eminyakeni emibili ku-non-target izidingo. Lokho, okweletayo ayidingekile ukwazisa ukuthi ngalolo imali uzobe wachitha, into esemqoka - ukuhlangabezana eziningi zindlela lapho ethi 'ubeke Vneshprombank ". impendulo kwamakhasimende kusikisela ukuthi ngisho noma idatha kuhambisane nezidingo loan kusengenzeka ukuthi ikhishwe.

Ngokuyinhloko lezi izimo: yobudala kumelwe okungenani sibe neminyaka engu-25, i-ubuzwe - Russian, Iholo ngenyanga ruble okungenani eziyinkulungwane 25, isipiliyoni umsebenzi - esingaphezu konyaka. kokukhipha ukubolekisa izimo yokuthi inani lenzalo uyahluka 23 futhi amaphesenti angu-27 ngonyaka, kanti inani obuncane ayizinkulungwane 30, kuyilapho esiphezulu -. ruble ayizigidi 500.

Nokuthathelwa - umkhiqizo yinto ehlukile. Linikeza ukunikezwa loan ngokuthenga izindlu ngebheyili ka into, okuyinto ethengisiwe izimali ezibolekwe. Ngakho, ngilangazelela ukuthenga indawo, umuntu kumelwe enze ingxenye izindleko zalo (angu-10). Ngaphezu kwalokho, ngaphambi kokuba anikezwe isikweletu ikhishwa ukuze esiyiminyaka engu-5 kuya 25. Njengoba kuphawuliwe kuwebhusayithi, akukho ikhomishana ingathathwa lapho ehlela ebhange mortgage loan "Vneshprombank". Izibuyekezo ababoleka bagcizelele ukuthi kubalulekile ukufunda ngokucophelela izimo imali enjalo, njengoba izindleko ezengeziwe ezithwalwa yikhasimende, zihlanganisa ukuhlola, umshwalense, izimali ummeli olungisa izivumelwano nokuningi.

ezifakwa

Njenganoma iyiphi enye ebhange, "Vneshprombank azibandakanya" ekuheheni imali. Sekwenzekile at kwezimo ezihlukahlukene, kuye ngokuthi plan okuyinto ukhetha iklayenti. Ungakhuluma kanjani ngama "Vneshprombank" libuyekeza emabhange, zikhona 5 idiphozi izinhlelo, isingathwe kuwebhusayithi esemthethweni ( "imali esiphezulu", "iklayenti Honorary", "ukufinyelela khulula", "Universal Control", kanye "Alternative lwemali"). Zinikeza ukuba khona noma ukungabi kwezici ezithile (kungenzeka ukwenza imali eyengeziwe ukuze wetimali kwezinhloso zenzuzo alondolozwe ikhono imali ngaphambi kwesikhathi, njalonjalo).

imisebenzi utshalomali

amathuba ikhasimende emkhakheni kokutshalwa nale yasebhange are banzi ngokwanele. Lapha umsebenzi ngamunye ahlinzekwa amasevisi Brokerage, ungadlulisa imali ukuphathwa kwempahla, reception kweemali buyiselo ka-mutual funds, kanye nemisebenzi Depository ne esivivaneni zimali. Zonke mikhiqizo kungenziwa ngamunye akhethiwe, kusekelwe eqinisweni kanjani imali kakhulu obungenza nokwethenjwa ngamakhasimende, futhi yini iphesenti inzuzo ke ulindele ukuthola ekugcineni.

On ziqinisekiso, yashicilelwa ku-website "Vneshprombank 'ithimba utshalomali ochwepheshe wahlanganyela lapha, abazi kahle ukuthi izimakethe zezimali bayakwazi ukuhlaziya kanye ukubikezela izenzakalo ezithile, inzuzo.

abanikeli lezivakashi

Ngakho, sikunike ulwazi oluyisisekelo mayelana nendlela ibhange isebenza, futhi yini inikeza. Futhi kuthiwani izindlela ezingokoqobo esingabasiza iklayenti? Yini elindele nathi kunjalo, uma thina, isibonelo, ufuna ukubiza omunye amagatsha lolu gange na?

Kufanele kuqashelwe ukuthi Izibuyekezo sathola abaningana, ngakho phakathi kwabo kukhona okuhle nokubi. Amakhasimende lokuqala bayabonga ngoba impatho enhle kakhulu, inkonzo ezingeni eliphezulu wenduduzo, nge bekene unikezwe amasevisi ebhenki. Eceleni zingatholakala sibonga abasebenzi neminyango ethile. Futhi wokubuyekezwa okuvumelekile abantu ubeke izimo ezikahle, ubulula zokufinyelela umsebenzi, ukungabi "gotchas."

Ngokuqondene ezingezinhle ebhaliwe mayelana namakhasimende 'Vneshprombank ", kuhloswe umehluko wemisindo nemiqondo yamagama ahlukene. Okokuqala - lokhu izinga lenkonzo kwezinye amagatsha ebhange. Lapho umuntu akenziwa ahlinzekwa ikhofi, endaweni ethile siyobona ukuthi kwakungeyona neze conditioning air nokushisa Beku, umuntu kabi cashier. Kukhona izinkulumo ezimbi eziphathelene ibhange ngokuya kumagama inkontileka, owawuthi izimali ku currency angaphandle ezifakwa lungabuyiselwa in ruble, kanye ukwambulwa amatemu okungekuhle esengeziwe iklayenti. Ekugcineni, kukhona ingxenye Izibuyekezo mayelana ukuhluleka abasebenzi, okuyinto kubonakala ngesimo ukusebenza eside kakhulu term emsebentini lotsite noma ukunganakwa. Olunye uhlelo lokusebenza kungabonwa kusukela vagueness imigomo ethile imali (isib, "Ukukhuluphala") - amakhasimende abanakukwazi baqonde indlela lokhu noma lokhuya inkonzo.

Impendulo evela abasebenzi

Ngaphezu isevisi, Ngithanda futhi alethe kancane ulwazi mayelana umsebenzi "Vneshprombank" isakhiwo. Impendulo evela abasebenzi ukusisiza nale.

Ngokuvamile, uhlangothi oluhle idivayisi ukusebenza ebhange, singabantwana esicacile: eziqinile, efakazelwe, inkampani njalo elokhu ivela futhi ezikhulayo - kungcono isiteji elikhulu ekuthuthukiseni umsebenzi. Plus futhi itholakala lokuthi ukuthi ungathola amakhono ukusebenza emkhakheni wezezimali bese zisebenza zemininingwane yezinye izinkampani noma izakhiwo ukuba izikhundla ezingcono ukukhokha.

Ngakho-ke, sethula ezinye Izibuyekezo ezingezinhle oshiywe ebhange. I phinda kuqala futhi iningi - ukuthi izingxoxo ukhetho ngasizathu simbe, ngokuvamile onobhala okulula inkampani. Akukacaci kungasiphi isisekelo banikezwa ukuba lezi izibopho, kodwa, njengoba izicelo aveze, onobhala ayikwazi ngokwanele ukuhlola ukhetho.

Esinye isici ezimbi kungenziwa ngokuthi ukungayinaki abasebenzi osebeni ezinye ukhetho. Okungukuthi, kwenzeka: oyicelelayo, wena uthi, "Konke kuhamba kahle, woza, sizokwenza ngokushesha shayela" - ke musa ukuphendula hhayi izingcingo zakho. Ngenxa yalezi nezinye oshiywe ukusungulwa "Vneshprombank" abasebenzi Izibuyekezo (umsebenzi), singaphetha ngokuthi zingabantu okungahleliwe. Ngakho-ke kukhombisa eyohlinzwa ngaphakathi kwesakhiwo kuya ngokwezinga ngokugcwele impendulo enjalo ngeke zikwazi.

Okuningi izincomo negative ayikwazanga ukutholakala ngebhange.

Iziphetho mayelana ebhange

"Vneshprombank" kunesithembiso izikhundla oqinile simo amabhange Russian - futhi lokho ethi okuningi. Izibuyekezo ezingezinhle kwanoma iyiphi inkampani sizohlala - kodwa ukuthuthukiswa ibhange iyona inkomba best of okusebenza ngayo namakhasimende kanye indlela ezihlobana ngayo abasebenzi lapha. Zula ezidingekayo lokuqala konke lokhu, futhi izici ezingezinhle ungase nje leyo nhlanhla - ngezinye izikhathi kuyenzeka kithi sonke. Sekukonke, ngakho-ke, ibhange sasibeka ukuhlolwa omuhle, njengoba sikhula, isakhiwo ethembisa nokunokwethenjelwa ngongqimba amathuluzi inzuzo lo msebenzi.