Kana iwe ukaongorora zvinyorwa zvekubhadhara mabhizimusi emitemo maererano nemakadhi emakiti ane chikwereti chekwereti, zvinova pachena kuti kadhi rechikwereti reBusiness Savings, rine maongorori ari mazhinji akanaka, ndicho chinhu chinonakidza zvikuru. Maitiro aro makuru anosanganisira:
• mubhadharo wechidiki;
• kukura kwebazi rebazi rebhangi.
Iwe unogona kubvunza kuti sei masangano ematavi (matavi) uye kadhi rechikwereti zvakabatana? Sberbank (kuongororwa kwevanhu, uye webhudhiro yebhishopu inosimbisa izvi) ine mahofisi anopfuura 19 000 anomiririra muRussia, kusanganisira matavi 17 emuzinda. Izvi zvinoreva kuti muridzi wechigadzirwa mubvunzo anogona kuchengetedzeka kune umwe wavo kuti agadzirise nyaya dzezvino. Zviri pachena kuti, zvakanaka, zviri nani kushanda nedhipatimendi makadhi akawanikwa. Asi mune imwe nhamo, mutengi haazoregi kuguma kwerwendo, somuenzaniso.
Dzimba dzemabhengi emumba dzakawanda kwazvo munyaya yekukweretesa kune vamwe. Sberbank haisi yega. Kadhi rechikwereti (kuongororwa kunowanikwa nyore nyore, somuenzaniso, muNyika Yese Yenyika) kunobudiswa kune vagari vati vasvika makore makumi maviri nemaviri. Kana iri nguva yakareba yeiye akakwereta, haifaniri kudarika makore 52 panguva yekunyora. Uyewo, mamiriro ekugadzirisa ndeyekuti ave neukama hwebasa rinopfuurira mumwedzi gumi nemaviri. Panguva imwecheteyo, uyo anogona kukwereta mubasa rekupedzisira anofanira kushanda kwemwedzi mitanhatu. Kana muchengeti wacho akawira pasi pasi pemamiriro ezvinhu aya, ipapo unogona kuenda kuhofisi iri pedyo. Kusakanganwa kutora pamwe naye pasipoti uye chibvumirano chinoratidza hukuru hwemari yake yepamutemo pamwedzi mitanhatu yapfuura.
Inofanirawo kucherechedza kuti kadhi rechikwereti rekuchengetwa kweBhangi reBhange rinounganidza zvakanaka. Semuenzaniso, inogona kupiwa kune vadzidzisi vemabhizimisi. Nenzira, kwete bhanga rose reRussia rinopa basa rakadaro.
Sezvo kune mari yekutengeserana inoshushikana, sangano rezvemari rakataurwa rinopesana nepamusoro pemamiriro ezvinhu ose. Somuenzaniso, kushandiswa kwemari yakakwereta vane vadhi "yegoridhe" (Visa uye MasterCard) vanobhadhara 17.9% -23% pagore. Girasi rezasi - MasterCard Standard uye Visa Classic - inodhura muridzi mu 19% -24% pagore. Kana ukadzorera mari yakakweretwa panguva yenyasha, ipapo kadhi rechikwereti reSberbank (kuongororwa kwevakakwereta chaivo, nenzira iyo inosimbiswa) inoita kuti zvikwanise kushandisa mari inoshandiswa pasina. Teerera, zita rechipiri yenguva yenyasha inguva yenyasha.
Pakupedzisira ndinoda kutaura izvi pachikumbiro chakadai se "kadhi rechikwereti rekuchengetedzwa kweBanki" unogona kuwana zvakanyanya zvisina kunaka uye zvakanyanya zvekunzwa kubva kune vadhidhidhi. Nekunyatsodzidza kwakajeka pamusoro pemamiriro ezvinhu umo vagari vakakwanisa kushanyira, zvinova pachena kuti muhuwandu hwemhosva, haisi bhangi, asi mushandi wekrete, ndiko kukanganisa. Iyo inonyanya kuzivikanwa yevanhu. Zviri pachena, munhu mumwe chete haagoni kutongwa nemabasa ehurongwa hwose. Asi muhupenyu ndiyo iyo inoshanduka.