"VTB 24": isisebenzi kanye ikhasimende Izibuyekezo

Bank "VTB 24" - ngomunye umkhiqizo ngobukhulu Russian kanye zaseYurophu emkhakheni wezezimali. Inhlangano imelelwa inethiwekhi ebanzi amagatsha kulo lonke elaseRussia. Wacabangela isikhungo sezezimali ukuhlinzeka amasevisi e ingxenye abolekise, idiphozi ukucutshungulwa, ukugcinwa akude, ngenkuthalo ukusebenza nezinkampani ezizimele. Yini abantu bathini mayelana imisebenzi brand amakhasimende ayo ngobukhulu yebhange? Kanjani ukukhuluma mayelana nekhadi Iinhlangano zezimali lezisebenzi zayo?

ulwazi olujwayelekile mayelana ebhange

Ngaphambi kokuhlola ukuthi ngokubona yasebhange "VTB 24", lobuya abasebenzi kanye namakhasimende ngamasevisi wayo, funda amaqiniso ayisisekelo mayelana sha abafanele.

Inani izimpahla sesisonke we-credit Iinhlangano zezimali ruble ezingaphezu kuka-2 trillion. IBhange esungulwe ngesisekelo kwesinye isikhungo - "Guta Bank", ogama ukwabelana lalifundwa "Vneshtorgbank" ngo-2004. Ukwahlulela abanye idatha zomphakathi - ngosizo Central Bank. Kwakubonakala brand "Vneshtorgbank nokudayisa Amasevisi" Ngo-2005, imakethe Russian. ebhange elisha iqanjwe kabusha ku "VTB 24" ngo-2006. Manje u-100% we-credit futhi isikhungo sezezimali eyayithengwe Bank "VTB", umnikazi main yisimo. VTB 24 yena, ngo-2012, ungumnikazi sha "Summer Bank." Le nhlangano ngokukhethekile ukuhlinzeka "imali esheshayo" - ne abaqotho ngaphezulu inqubomgomo yokuhlola umsebenzi ikhono umboleki sika ukukhokha, kodwa ngesikhathi esifanayo sezingeni eliphezulu lenzalo. Naye wabe VTB 24 (izibuyekezo zamakhasimende uqinisekise lesi emalini ebolekwe) libhekene amazinga ezibophayo kakhulu ekunqumeni zokusebenza ebolekiwe, ngesikhathi esifanayo, amazinga isithakazelo ebhange inikeza ukaleso osizayo aqine.

amasevisi

Kubhekwe inhlangano yezimali onguchwepheshe nokunikeza ngamasevisi abantu amabhange, osomabhizinisi, futhi amabhizinisi amancane naphakathi naphakathi. Brand "VTB 24" umelwe e iningi ezifundeni yeRussia. Phakathi amasevisi ebhenki ethandwa kakhulu olunikezwa yasebhange:

- mortgage loans;

- RB;

- ukuqasha ephephile idiphozi amabhokisi ;

- imali Ukudluliselwa;

- ekushayweni amakhadi epulasitiki.

Indawo ebalulekile imisebenzi ebhange enakekela ka kwabasebenzi amaphrojekthi. ukwabiwa kwezimali ku ezifakwa ngabanye - omunye lunye ayisihluthulelo "VTB 24". Izibuyekezo Kwamakhasimende kule ezifakwa njani izimo anikezwa yasebhange efanele ngokugcwele zamanje emakethe izitayela - kamuva sizohlola iphuzu efanele umbono ngokuningiliziwe.

Isu lokuthuthukiswa esikhathini esibucayi

It kuzoba ukubhekana yasebhange nesimo esinzima samanje somkhakha wezolimo bese sezimali Russian Federation? Ngokusho kodokotela abathile, "VTB 24" (izibuyekezo namazwana abaphathi wesikweletu nezinye izikhungo zezimali ezingaba ukuhlangabezana abezindaba, baqinisekisa lezi izilinganiso) uzowuthatha ukuhlanganyela ngenkuthalo ukuqaliswa uhulumeni izinhlelo mortgage, futhi isinyathelo ngaphansi kohlaka isimo imoto sokubolekwayo.

Ngakho, imali ingqikithi ibhange ngesikhathi kunezinkinga, njengoba abahlaziyi bakholelwa, lizophakama. Nokho, ukunciphisa lenhlangano inzuzo, kungenzeka ukuze babonwe. abaphathi yebhange phezulu ulindele ukuhlinzeka okwanda kwenethiwekhi ayo ezindaweni. Isici esibalulekile omuhle kulo msebenzi ngeke, ngokuvumelana ukuphathwa lesikhungo, kungaba inyunyana inkampani umzali - "VTB" - ne "Bank of Moscow". Iqiniso lokuthi umphumela Ukuhlanganiswa "VTB Bank" uzokwazi ukwenza okukhulu ngaphezulu khona yayo yasebhange emakethe okudayisa. Brand "VTB 24", esikhundleni salokho, ungalindela ukuthola isabelo eningi ibhizinisi ingxenye imisebenzi abazenzi "Bank of Moscow".

Ngo ukuphathwa crisis ibheka esikweletu isikhungo sezezimali ulindele ukuba inciphise amafa ngesisekelo ukubolekisa umthengi. Ngokuphathelene mortgage izikhundla, kanye nalezo akhiwa kule ingxenye loan imoto, subsidence, ngokuvumelana abaphathi yebhange phezulu buzoba buncane ngenxa iqhaza izikhungo yezinhlelo zikahulumeni ukunikeza ukubolekisa concessional ukuba izakhamuzi ezindaweni yabo ehlukene obolekisayo.

Uphenyo Bank

Ngemva kokutadisha indlela izinto zihamba inhlangano yezimali ngokuya Amathrendi lezomnotho othuthukileko, cabangela imininingwane izinqubo ibhizinisi lendawo ezenzeka kuwo. Umthombo oyinhloko wolwazi kithi kuyoba Yiqiniso, le ukubuyekezwa kwe-"VTB 24" ibhange - abasebenzi, amakhasimende, ochwepheshe okwethulwa thematic inthanethi inthanethi, kanye abezindaba.

Ngakho, siyokwazi ukufunda kokubili ukubukwa olungekho emthethweni okwenziwa abantu abavamile, kanye nezikhulu abathile. Imibono omphakathi yezimali kuhlolwe credit nezinhlangano zezimali kungenziwa oluthathwa zibe ngalezi zigaba ezilandelayo:

- umbono ahlukahlukeneko wokuhlola.Ngokusetjenziswa ukukhanga izimo "VTB 24" idiphozi;

- umbono, ibonisa isimo sengqondo amakhasimende kuya ikhwalithi yamasevisi emkhakheni mortgage abolekise;

- a umbono ezihlobene umthengi ukubolekisa, "VTB 24", kanye loans imoto;

- ukuhlola ezingeni kwamakhasimende ebhange;

- a umbono maqondana nokusungulwa kwezikhungo kwamanye amasevisi - RBS, qasha amaseli, remittances, inkonzo kwabasebenzi.

A wodwana imibono mayelana "VTB 24" - Izibuyekezo ze-abasebenzi abasebenza enhlanganweni yezimali. Masitadishe imikhakha waphawula zemibono, ukuhlola imisebenzi asebhange, ngaphezulu.

Izibuyekezo imali

Okushiwo ngabantu mayelana nakho kwabo amakhasimende ukubeka ezifakwa "VTB 24"? Izibuyekezo imali izakhamuzi, uma silitadisha ngokucophelela amaphuzu ehlukene ekubukeni thematic inthanethi inthanethi, ukuzama ukwakha, esekelwe izinkomba 3 main:

- lenzalo;

- ikhono ubuyise idiphozi;

- Izidingo nenani nokutshala izimali.

Sifunda ulwazi mayelana lokhu kabanzi.

Ngokuphathelene zenzalo, iyiphi esikweletu isikhungo sezezimali sisonke uzama ukuletha eduze emakethe isilinganiso. Njengoba izikhungo amaklayenti babe Yiqiniso, emakethe nokunikezwa kangcono, kodwa "VTB 24" iba akukhetha ngabo esenziwa isikali yabo futhi okungenzeka sakugcina okwesula emakethe - ngenxa isimo esibucayi noma ngenxa Ukuhoxiswa kwelayisensi ye-Central Bank of the Russian Federation. Ngaphezu kwalokho, ukukhipha ezifakwa kule yasebhange izakhamuzi onedumela elihle, isimo sikuvumela, njengoba emelelwa inethiwekhi enkulukazi amagatsha. Ungaya kunoma yiliphi ihhovisi-yasebhange isikhungo sezezimali elisedolobheni futhi afeze imisebenzi ezidingekayo ku idiphozi - umthamo wemvula, ukuhoxiswa, ukushintsha noma yiziphi izimo isitoreji imali.

Amazwana mayelana mortgage

Ingxenye enkulu yabantu udumo nezinkonzo ezingokwezimali - abatshelekayo. Sidingida ibhange - phakathi abaholi. Yiziphi Izibuyekezo we "VTB 24" emalini ebolekwe ekhishwe ukuthenga izindlu? Ifanele orientation imicabango yabantu, esikhundleni salokho, zinqunywa izimo ezifana nalezi:

- izinga inzalo emalini ebolekwe - ngokuhlanganiswa obuphelele yesivumelwano mortgage;

- izimfuneko imibhalo ka umboleki, imali yakhe, ensimini ka-umsebenzi Umlando wokukhokha kwemali.

Ngokuphathelene amazinga, kuyacaca ukuthi ngenxa kunalokho esiqinile CBR Inqubomgomo ngokunginika kwezimali ezikhungweni zezimali yangasese, abakwazi ongaphakeme ukuze kuhlangatshezwane izifiso iningi amakhasimende. Izinga ukhiye we Central Bank manje - 11%, futhi cishe kabili njengoba, ngokwesibonelo, ekuqaleni kuka-2014. Nokho, lesi sibalo empeleni ku ezingeni 2008-2009 esibucayi, lapho emakethe mortgage, nakuba behlisa, kodwa namanje laqhubeka landa.

izakhamuzi Russian Unelungelo ukukhipha ukubolekisa ukuthenga izindlu ngaphakathi kohlaka izinhlelo zikahulumeni - ikakhulukazi labo okuhloswe ngokuxhasa ukuthengwa izakhiwo ezintsha. Bank "VTB 24" (-Google + ku-mortgage loans ukuqinisekisa lokhu) ezama kakhulu ugqugquzele isakhamuzi wakwazi ukusizakala amathuba anjalo ukuthenga indawo. ochwepheshe Bank ukuchaza ngokuningiliziwe izimfuneko amaphepha adingekayo ukuze umuntu ukuthi abambe iqhaza ohlelweni isimo olufanele, ukuze nengeniso umboleki nomlando wakhe credit. Ngesisekelo imibono kokuvela inthanethi lula impela ukulandelela izibalo zika izinqumo elihle izinhlelo okwakha izindlu "VTB 24". Nokho, nahlulele iqiniso ukuthi impendulo engeyinhle, okubonisa ukwenqaba engenabulungisa ebhange ukuhlangabezana izicelo loan indlu, kancane kungenziwa ngokuthi isikhungo sezezimali kunalokho nesithakazelo ukunikeza izakhamuzi isikweleti sendlu nge isimo soxhaso kuka wenqabe isicelo sokubhalisa loan.

Kepha lizinga izindlu izinhlelo - naleyo ithengiswe emakethe yesibili, futhi ngoba, ngokuvamile, zenziwa hhayi ngaphansi kwezimo ezimvunayo, - ukufuneka kwamakhambi anjalo, nokuyinto ezwakalayo, kodwa hhayi kakhulu ngenxa eqolo zenzalo. Nokho, isidingo sokubolekwayo ezinjalo inakekelwa - okokuqala, ngoba izakhamuzi zaseRussia kudingeka isikhala ephilayo, futhi okwesibili - amanani ingcebo ezifundeni eziningi zaseRussia kuthiwa kakhulu ziyancipha ngesikhathi kunezinkinga. Ngakho-ke, abantu bavame ukuthenga indawo ngokushesha ngangokunokwenzeka, ngisho ngamazinga aphezulu, kuyilapho kuba kuqhathaniswa ezishibhile. Ngokuqondene izimo imali enjalo "VTB 24" (-Google + ku-isikweleti sendlu ukuqinisekisa lokhu), umgomo esinjalo singeze sibe ezikhanga kakhulu ngenxa yezizathu ukuthi siye echazwe ngenhla. Kodwa kusukela umbono wenhlangano yenqubo izinqumo yibhange emalini ebolekwe, isikhungo sezimali wenza kahle umsebenzi walo. Ochwepheshe of "VTB 24" achazwa ngokuningiliziwe okushiwo abantu athuthukiswe ngaphakathi izimangalo inhlangano ababoleka, ukusiza ukubutha amaphepha adingekayo, bacubungula imithombo etholakalayo ngendaba ukubaluleka lapho enza isinqumo ngokuphathelene isicelo sesikweletu.

Ngokuvamile, izakhamuzi wanelisa ngokuyinhloko kuqhathaniswa mortgage ababoleka ibhange sithi isithakazelo sezimali ukunikeza umuntu loan oyifunayo ukuthenga indawo ngesisekelo ekuhlaziyweni umgomo ka solvency yayo.

Izibuyekezo emalini ebolekwe umthengi kanye loans imoto

Esikhathini ingxenye imali umthengi kanye loans kunikeziwe ukuthengwa bezimoto, izimo ibhange "VTB 24", njengoba kwaphawula u-amakhasimende Russian we isikhungo sezezimali ziyavumelana zamanje emakethe izitayela, futhi likhanga ngaphezulu eziningana izingxenye. Ngokuvamile, izakhamuzi elichaza inqubomgomo sha wonke ekuhlinzekweni kwezinhlelo loans umbuzo, ukujabulisa ngokugcwele - kokubili ngokoMthetho zenzalo, futhi ukukhanya yezimfuneko ababoleka. Mhlawumbe lokhu kungenxa yokuthi lo funa zamanje emakethe udumo olumfanele lenkinga emnothweni Russian kwehle kancane - kanye nebhange uzama ukugcina kwakhe ngokunikeza ngokuya yokuncintisana ngaphezulu zenzalo kanye ukunciphisa uma kungenzeka izimfuneko ababoleka.

Izibuyekezo amasevisi eyengeziwe

Ikhwalithi neminye imisebenzi yezezimali "VTB 24" - ngokwesibonelo, RBS, qasha amaseli, remittances, plastic Ukukhishwa card, kusho umbiko kwamakhasimende, kuyinto ezingeni eliphezulu. Credit futhi isikhungo sezezimali inikeza izimo ngokwanele yokuncintisana kulezi amasevisi ngokuya kokubili amanani kanye nekhwalithi-aspect kwengqalasizinda, lapho basuke sivunyiwe. Ngalo mqondo, ibhange ubukeka yesimanje kanye zobuchwepheshe umkhiqizo, ngokuvumelana amaklayenti akhe.

Impendulo izinga lenkonzo

Ukuze umuntu uya zisebenza kunoma yikuphi isikhungo sezezimali ezindabeni sina - ngokwesibonelo, ezihlobene nokubekwa kwezimali ku idiphozi noma loan mortgage kungenzeka ekunqumeni degree of kubaluleke kungasiko isikali imisebenzi asebhange, kanye neqiniso noma isimo namanye amasevisi we-njengoba sha okuhambisanayo olufanele kumakhasimende ayo. Ngoba kungenzeka ezibaluleke kakhudlwana esibonisa umsebenzi "VTB 24" ukubuyekeza, okubandakanya ukuhlolwa lolimi wemfanelo abasebenzi, ngaphandle umbono, buka lokwentile, isibonelo, ukukhanga zezimali services yasebhange. Yini abantu ukubhala mayelana nekhwalithi yesevisi kubhekwe isikhungo sezezimali amakhasimende ayo?

Imibono ka-izakhamuzi ngezinye izikhathi subjective kakhulu. Kuqondane ukuthi omunye umuntu esiwavakashele ihhovisi esithile "VTB 24", ukubuyekezwa omuhle kakhulu, futhi omunye - amaqiniso abonisa okuphambene imizwelo. Kodwa ngokuvamile, izakhamuzi uyavuma ukuthi enye yezindawo ezinkulu Russian brand kudayiswa kwamabhange, uzama ukugcina umholi brand - kufaka ekhatsi isici kwamakhasimende. Njengoba abantu, udondolo "VTB 24" okubonisa zamakhono ngempela high ekuxazululeni kakhulu izimpikiswano ezazihilelekile, musa ukuhlala kude kobunzima ukuxoxa ngomoya ophansi, bezama ukuchaza umehluko wemisindo nemiqondo yamagama la ukungabandakanywa ezinhlelweni ezithize.

Kungaphawulwa ukuthi eziningi bezikhungo ebhange uqaphele high ngempendulo-yasebhange isikhungo sezezimali inthanethi. Ngokusobala, ochwepheshe lesikhungo ukuqapha inthanethi core thematic, lapho izakhamuzi baye bazwakalisa umbono wabo mayelana "VTB 24". Bukeza noma nokuhlola imisebenzi ebhange, owethulwe yinoma ubani futhi kubangele resonance wadonsela ukunaka omphakathi, kungukuthi indiva by ongoti isikhungo sezezimali, ekwazi ukulungisa impendulo ke - ku okufanayo portal thematic noma ithintane umuntu washiya ulwazi imisebenzi sesikweletu. Ngomqondo onabile, inkulumo brand kahle, izakhamuzi eziningi, ukusebenza amakhasimende ayo kanye amanethiwekhi omphakathi. Okuhloswe ngaso kokuhlaziywa "VTB 24" Ukubuyekeza kulokhu kungase kube olunye ubeke amazwana ngabantu ebhekene nenkinga efanayo noma ukugcina ngqo ehhovisi elilodwa njengoba kubekiwe kumtheshwana umyalezo esihambelanayo kumuntu. Ngokuvamile exhunywe kwi izingxoxo ezinjalo futhi nabasebenzi ebhange, futhi ngesikhathi esifanayo uzama ukukhuthaza isinqumo ezindabeni.

Impendulo

Amazwana thematic inthanethi inthanethi hhayi kuphela shiya amakhasimende nokubika ejensi. Abasebenzi ibhange isikhungo sezezimali, kokubili wamanje kanye nalezo seliye kwezinye izinkampani nazo ngentshiseko bhala mayelana "VTB 24". Izibuyekezo abasebenzi yasebhange ukubhekana ezifana ezisemqoka njengoba iholo, izimo zokusebenza, ikakhulukazi ngosiko, amathuba ama-career.

Ngokuvamile, akukho lutho engavamile, njengoba iningi izinhlangano ezinye abasebenzi - hhayi kuphela zezimali - banesithakazelo izici efanayo umsebenzi okhokhelwayo. Kodwa uyini ngokucacile izimo zokusebenza ezihlinzekwa ibhange "VTB 24"? Impendulo evela abasebenzi nomsebenzi, yebo, ehluke kakhulu futhi ngezinye izikhathi subjective. Okuningi kuxhomeke kulokho okulindelwe babe professional kusukela ekuqaleni umsebenzi okhokhelwayo ebhange. Ngezinye izikhathi kuyenzeka ukuthi umuntu abanolwazi oluncane emkhakheni wezezimali uncika ukukhula umsebenzi ngokushesha futhi yamaholo aphakeme - ngenxa nje lokho liyeza omunye brand ngobukhulu yasebhange waseRussia. Kodwa, njenganoma yiliphi kunoma iyiphi enye inhlangano sina, "VTB 24" iwukuba kuyinto esingayithola njengomholo. Ngenhlanhla, ukuqonda yezimo imvelo abasebenzi enkampanini yezimali, nahlulele by ukubuyekezwa, ngokuvamile, samanje.

Sebenza "VTB 24" (Izibuyekezo thematic kumaphothali inthanethi uqinisekise lesi) - ifuna ezingeni temakhono, umthwalo, efaneleyo, intshisekelo yabo ekukhuleni kahle kimi hhayi kuphela uqobo, kodwa futhi sha iyonke. abasebenzi Bank baqeqeshiwe ikakhulukazi - ngokukhethekile ikhokhelwa ekuqinisekiseni amakhono adingekayo Wabasaqalayo, the bezimali abasha ngubani kuphela beza emakethe yezimali. Lamakhono Ngokuqinisekile uyonika ochwepheshe ithuba ibhange kamuva ukuba bathuthuke emsebenzini. Ngakho-ke, izisekelo kumsebenti esizayo kufanele libekwe isikhulu kakade izinyathelo zokuqala kakhulu ukusebenzisana sha.

abasebenzi Guest "VTB 24", maqondana nemiholo, izimo yomsebenzi kanye nokuxhumana nezinye izisebenzi nokuphathwa akhayo. Nalapha ithinta, ngokusobala, isimo sha sika njengoba enye yezindawo ezinkulu kakhulu futhi owaziwayo WaseRussia ukugcina idumela omunye abaholi komkhakha wamabhange. Kubandakanya-aspect Inqubomgomo izisebenzi.