Alfa-Finance: kudzokorora, mabasa

Mabhanki akawanda eRussia anopa vatengi vavo, pamwe chete nehomwe, zvimwe zvigadzirwa zvekuita mari. Zvimwe zvacho zvinogona kunge zvichivakirwa mukutsvaga mari chaiyo yebhizimisi. Pakati pavo pane chirongwa cheAlfa-Finance. Chii chaicho chaicho? Ndezvipi zvinobatsira kubva pane zvayo zvinogona kutarisirwa?

General information about Alfa-Finance

"Alfa-Finance" iri chirongwa chekutsvaga mari kubva kuAlfa-Bank, yakatanga muna 2010 uye yakazarurirwa kuvepo kwevashandi kusvikira zvino. Zvakanyanyisa kunyora zita racho pamwe chete - "AlphaFinance", asi muRussia kune imwe sendimi yakasiyana. Ndezvipi zvakanyatsozivikanwa zvekutanga?

Kutonga nehuwandu hwevanhu, kuburikidza nepurogiramu yeAlfa-Finance, bhangi ine zita rezita rinokwezva mari yega yega kuisa mari mune zvigadzirwa zvemakambani chaiwo. Mune izvi ivo vangave mutsauko mukuru kubva kune mumwe mutero wemari, apo zvigadzirwa zvemari, kunyanya, zvinogona kuva zvinhu zvekutengeserana uye zvemari. Kubatsirwa kwekuita muhurongwa hunoenderana kunogona kunge kune hukuru pane apo kuisa mari pamabhangi emabhangi.

Inogona kuonekwa kufara kwenzvimbo yekuvapo kweAlfa-Finance purogiramu: Voronezh, Yaroslavl, Moscow nemamwe maguta makuru ane mashizha ebhangi racho. Ikoko, vanoisa mari vanogona kugadzira zvibvumirano zvavo zvekutsinhanisa.

Purogiramu Inobatsira

Zvakanakira kushandisa shanduro yakadaro yemari se "Alfa-Finance", bhangi rakaritora, rinoona zvinotevera:

- purogiramu inovimbisa kuchengetedzwa kwemadhaka 'mari, kunyange kana mari yavo yose inodarika 1.4 mamiriyoni eru rubles (muganhu unotarirwa nemamiriro ekubhadharwa mari inokonzerwa nekodzero yekwereti yekwereti);

- Mubhadhari wega wega anoendesa ruzivo kune avo vane ruzivo rwezvemari, asi panguva imwechete vane mukana wekutora chikamu pakusarudzwa kweiyo yakakosha yekutsvaga mari;

- purogiramu inogona kusvika kusvika 25-30% pagore uye kupfuura.

Chinonyanya kukosha purogiramu yeAlfa-Finance ndiyo nzira yekutsvaga. Panguva ino, bhangi rakagadzira sarudzo yezvemari yakakodzera, inopa mutengi chisarudzo chezvimwe zvakadaro. Ngationei zvavanotaura.

Strategic "Makambani ekurapa"

Iri sarudzo, rakarongedzwa neAlfa-Finance purogiramu (kuongororwa kwevanyori vazhinji vanoiisa pane zvakanaka), inosanganisira kuisa mari mune zvebhizimisi zvinogadzirwa nemishonga. Maererano nevemari, chikamu chakakosha pamusika ndechimwe chevimbiso yakawanda, sezvo kudiwa kwemishonga yemishonga yakanakisisa inogara yakasimba. Mukati yehurongwa hweAlfa-Finance, inorongwa kuisa muzvikamu zvekambani inotungamirira mishonga yemishonga. Pakati pavo pane:

- NOVARTIS.

- Novo Nordisk.

- Celgene.

- Giriyedhi.

- SANOFI.

- GlaxoSmithKline.

Ndezvipi zvavanozivikanwa?

NOVARTIS, nedzimwe dzinofungidzira, ndiyo yenyika yechipiri inoshandiswa nekambani yemishonga inoshandiswa mune zvemitambo maererano nemari yepamusoro. Iyo inozivikanwa nekubudisa zvinhu zvakakurumbira zvinogadzirwa "Teraflu", "Tavegil", "Fenistil", "Lamizil", izvo zvinodiwa zvinoramba zviri kumusoro munyika dzakawanda dzenyika.

Novo Nordisk inozivikanwa seye guru guru rekubudisa insulin munyika. Cheki Celgene inobereka zvinodhaka zvekurapwa kwekenza uye zvinetso nemaune immune system. Chikoro cheGiriyedhi chinotanga mishonga inopesana neHIV. Sangano SANOFI rinobudisa huwandu hwakawanda kwazvo hwezvinhu, kusanganisira Essentiale, Festal, Bronchicum, Magne B6, uye Sofraxd. Mutauro weGlaxoSmithKline unobata zvirwere, zvinodhaka zvekare - Panadol, Solpadein, uye Coldrex.

"Makambani makuru eMelika"

Imwe nzira, yakasarudzwa mukati mehutano hwekutsvaga mari neAlfa-Finance (kuongorora kwevatsvakurudzi kunosanganisira kuongorora kwakanaka kwayo), kunonzi "Makambani makuru eMelika". Kuwana kwezvinhu zvemakambani kwakabatanidzwa munyaya ye S & P 500 inotarisirwa, iyo inobatsira yose inofungidzirwa pamabhiriyoni emadhora. Pakati pemakambani akadaro:

- Johnson & Johnson.

- Chevron.

- JPMorgan Chase.

- ExxonMobil.

- General Electric.

- Procter & Gamble.

Chimwe nechimwe chezvinhu izvi zvinonyatsozivikanwa muRussia. Johnson & Johnson, sechikamu chemabhizimisi mashoma makuru, anounza zvinhu zvehutsanana, mishonga yemishonga, mishonga. Chevron Corporation iri pakati pezvigamba zvenyika zvenyika yeirimu uye gesi. JPMorgan Chase Bank inoratidzirwa nehutano hwakasimba huri zviratidzo, pasinei nekusava nechokwadi kunowanikwa mune zvikamu zvezvikamu zvehupfumi hwepasi rese. ExxonMobil imwe simba guru, rimwe remabhizimisi anokosha kupfuura mamwe ose munyika. General Electric Company inoshandisa mari inoshandiswa mune zvemaonero emakambani ayo. Procter & Gamble Corporation inotora 25% yemusika wepasi pose mune imwe nzvimbo yekutengesa zvinhu.

"Innovative IT-makambani"

Imwe nzira inonyanya kuzivikanwa yeAlfa-Finance (kuongororwa kwevanoridzidza nezvezvemari pamusoro payo kunofadzawo) - "Innovative IT-makambani." Anofunga nezvekutsvaga mari muzvinhu zvemakambani makuru:

- Apple.

- Google.

- Samsung.

- Microsoft.

- "Yandex".

- Facebook.

Mumwe nomumwe wavo, pasinei nekubudirira kwekutsvaga, ane unhu hwakanaka hwekuwedzera mberi, nyanzvi dzinotenda. Nhengo dzekambani dzakawanda dzakanyorwa pamutsara dzakaratidza kukura kwegore negore kwe40-50%.

"Nyika dzinokura"

Imwe nzira yakarongeka mukati megadziriro yeAlfa-Finance purogiramu (kuongororwa kwevatengesi kunoratidzira seimwe yevimbiso yakawanda) ndiyo "Nyika Dzakasimudzira". Inotora mari yekutsvaga muzviwanikwa zvemabhizimisi anoshandiswa muhurumende nemakwenzi anokura. Kunyanya:

- muTaiwan;

- kuHong Kong;

- muMexico;

- muMalaysia;

- muSouth Africa;

- muIndonesia.

Zvakawanda zvehupfumi zvenyika idzi zviri kukura zvakanyanya kukunda hutsika dzezvematongerwe enyika yenyika dzakabudirira zvikuru yenyika. Panguva imwecheteyo, vane zvose zvigadziro zvekugadzirisa uye zvigadziro zvekuwedzera zvakasimba kukura. Vazhinji vatengi venyika vanofarira kushandiswa mune zvebhizimisi munyika dzichiri kusimukira, uko kune tarisiro yese yekuwana zvakanakisa kubhadhara kwemabhizimisi.

"Zvinhu zvekutengesa"

Iro urongwa "Zvinhu zvemazuva ose zvinoda", zvakapiwa kuvatori vechikamu purogiramu yeAlfa-Finance, zvingaratidzika sezvisina kujairika. Moscow - pakati pezvinotungamirira zvezvemari muEurope, asi kunyange vane ruzivo rwemaguta makuru vanotsanangura kutanga kweiyo pfungwa yakarongwa neAfa-Bank.

Nzira iyo iri mubvunzo inosanganisira kuisa mari kune zvikwangwani zvinounza, zvechokwadi, izvo zvinhu zvinotarisirwa nevanhu vanenge mazuva ose: zvigadzirwa zvehutsanana, zvokudya, zvinwiwa. Pakati pevatambi vanotungamira muchikamu ichi chemusika:

- Nestle.

- McDonald's.

- Coca-Cola.

- Pfizer.

- Unilever.

- Colgate-Palmolive.

Kuda kwezvigadzirwa zvemakambani aya zvinoramba zvakasimba, sezvinogona kuita mari yevatori vechikamu muhurongwa weAlfa-Finance.

"Blue chips"

Iri sangano rinosanganisira kuisa mari mumakambani makuru eRussia, ayo ari, chaizvoizvo, mahofisi ehurumende yeRussia yenyika. Pakati pavo pane:

- NOVATEK, iyo inoshanda mumafuta uye gesi.

- LUKOIL, chimwe chezvinhu zvakakurumbira zvakagadzirwa mukugadzirwa kwemotokari dzemotokari.

- Bashneft, iyo imwe huru huru yehupfumi.

- Surgutneftegaz ndeimwe yevatungamiri veRussia mafuta uye gas motengesi.

- EVRAZ, imwe yenyika yakawanda yezvigadzirwa zvesimbi.

- Polymetal iri pakati pevatungamiri venyika mukudzura kwegoridhe, sirivha nemhangura.

Pasinei nematambudziko aripo muRussia, masangano aya anoramba akasimba. Kuisa mari muhupfumi hwavo, nenzira iyo, kunogona kuratidzirwa nekunaka kubatsirwa. Vashandi vakawanda vanocherechedza kuti ikozvino, apo masangano emakambani ekuRussia anotungamira haasisina mari, unogona kuisa mauri kuitira kuti uwane kuwedzerwa kwakanaka kwemari pamusana pokuti kubuda kwemahombekiti emabhizimisi eRussia ari munzira yekukura kwakasimba.

"Zvigadzirwa zvinokosha"

Imwe nzira inopiwa kuvatori vechikamu cheAlfa-Finance purogiramu ndeye "Siri inokosha". Kuisa mari, saka, kuchava mavari, kana kuti, panzvimbo dzavo dzekutengeserana. Sezvo Alfa-Bank nyanzvi dzinotsanangura, kubatsirwa kwekutsvaga mune zvigadzirwa zvemhando dzakakosha ndiko kushorwa kwavo kwezvakaitika kumarudzi ose ematambudziko. Pasinei nokusava nehanya kwezvinyorwa zvakakodzera, ndarama, sirivha uye platinum (iyo midziyo iyo inotengeswa inofanirwa kunge iri) ichagara ichikosha nokuti nzvimbo yavo yepasi inenge isina kukwana, uye zvinoda hazviperi chero kupi zvako. Dragmetals, sezvinonzi nyanzvi dzinoti, dzakachengetedzwa kubva kuhupfumi uye migumisiro yekusagadzikana kwezvematongerwo enyika. Vatsoropodzi vanofananidzira hurongwa hunobvumirana neAlfa-Bank seimwe yemafungiro akaenzana maererano nehuwandu nekusimudzira kwezvinhu izvo zvinangwa zvekutsvaga mari yekutsvaga mari.

Purogiramu Kuongorora uye Feedback

Ndezvipi kuvimbiswa kwezvipuriti muhurongwa weAlfa-Finance? Pfungwa dzechikamu ichi dzinoratidzwa nevose vatori vechikamu uye vaongorori vemari. Kuongororwa kwevanhu uye vamiririri vehutano hunogona kugoverwa mune izvo zvinotevera:

- kuratidza kuongororwa kwetariro dzekutsvaga;

- inoshushikana nehutano hwebasa reAlfa-Bank maererano nekutaurirana nevatengi vegurogiramu;

- inobatanidza nekuongororwa, muchokwadi, pfungwa inorongedzwa nedare rezvemari, nechinangwa chechivimbo chekuvimba nacho.

Kana zviri zvekutarisira kwekutsvaga, vagari vanoona purogiramu sezvakanaka chaizvo. Nhamba dzakawanda dzinofunga kuti kutora chikamu mairi kwete seyo nzira huru yekubvisa mari, asi pamwe chete, semuenzaniso, kuisa mari pamabhangi emabhangi, sezvo kubatsirwa kubva kunezvikwereti zvakafanana kunofananidzwa neicho chimiro chemadhorobha emitambo. Izvo hazvina kukwana zvachose, saka, kutora chikwereti kuti uite chikamu muhurongwa weAlfa-Finance - maitirwo ayo achave akareba kudarika kudzoka kunogona kuiswa kwekutsvaga.

Unhu hwebasa rekambani yebhangi yakakodzera inofungidzirwa nevatengi vayo zvakanaka chaizvo. Inotyisa ye "Alfa-Finance" inoshanda, maererano nevagari vemo, zvakarurama. Hazvina basa kuti guta ripi ririmo. Kutaura zvazviri, geography yemapurogiramu epurogiramu inopindirana neaya iyo bhaganisi yakatanga purogiramu yeAfa-Finance inotarisira. MuTaganrog, Voronezh, Yaroslavl - mumaguta iwayo mune marati, iwe unogona kuva mubhadhari. Unhu hwebasa hwakangofanana, pasinei neiyo geography yemabasa ebhangi. Kana iro guta iro munharaunda inoshandisa muhutano hwekubatanidzwa muAlfa-Finance, Voronezh, ipapo hakuzovi nematambudziko nekuwana ruzivo rwakakosha pamusoro pegurogiramu iyi, zvisati zvishoma kana apo mubhadhari ari muTaganrog kana Yaroslavl. Matambudziko ane mhinduro haasiwo maitiro ekutaurirana pakati peAlfa-Bank nevatengi. Kana munhu achida kubvunza mubvunzo pamusoro pegurogiramu iyo Alfa-Finance yakagadzirisa, mahofisi emahofisi epachivako chechirongwa anogara aripo paIndaneti.

Kuvimbika sechikonzero chakakosha zvikuru

Kana iri yekuongorora kwechirevo chinorongwa neAlfa-Bank, inoratidzika sechivimbiso kune vashandi. Kuisa mari muzvinhu zvezvikwata zvechokwadi kana mune zvigadzirwa zvakakosha nevaongorori vazhinji vanoonekwa sevamwe nzira dzakavimbika dzekuwana kune, kureva, mari yekutengesa. Kugadzikana kwekuwedzerwa kwemari kunogona kukonzera kugadzikana, iyo inoratidzirwa nehurongwa hwekutanga "Alfa-Finance" bhangi. Akarambidza iyo reisense, maererano nenyanzvi, iyo haigoni kuitika, nemhaka yekuti mari yadzo yakagadzikana zviratidzo ndeimwe yezvakanakisisa mumusika wekuRussia kumusika. Alfa-Bank ndeimwe yemabhizimisi makuru eRussian credit.