Frozen deposits pamusoro Sberbank. Anogona -oma deposits? ngozi sei deposits mune mabhanga Russian?

Sberbank - nderimwe remasangano mabhanga, kwete chete kuRussia asiwo Kishi. Rine zvikuru zvakawanda samambure pamatavi, anopa yakazara zvakawanda mari uye mabasa zvemari. Sezvo nguva cha2012 kunyanya mari sangano mukutsirani ndiye Central Bank, iro muridzi 51% kuti migove. About 40% of migove - ndera makambani yokumwe. Financial sangano anoita somunhu hune Kufananidzira munyika fiscal mutemo uye mumwe mukuru chikwereti ari mamiriro.

Digital nhamba

Zvinondiremera mangwanani kutaura kana kuti -oma mumari Bank mutengi deposits. zvemari sangano showgirl inoratidza zvakanaka chaizvo zvataurwa Muzviitiko. Saka, kusvikira March 1, 2015 tsika kuti zvinhu vakasvika mamiriyoni 21,945,67. paakati ichi akapa mari Bank rokutanga nzvimbo pakati rwezvemabhengi masangano. Institute of guru, iro rinowanikwa maererano nemirau yacho Central Bank of Russian Federation akaenzana mabhiriyoni 2,224,53. Nezvokushandisa chikwereti Portfolio, saizi raro 14,970,52 bln. The wazvipira akaita vanhu ehurumende - iri mabhiriyoni 8,391,53.

Ko Chinyorwa?

Pasinei akaoma zvoupfumi ezvinhu munyika, deposits vari rubles, Sberbank, izvo ndakadaro pashure 1991, achiri vakaronga kubhadhara imwe nzira wakaiswa kare. Kunotangwa hurongwa-gore matatu makei, hapana munhu achakurwisa kuchinja. Gwaro yeUnited bhajeti vakaisa kuwanda bhiriyoni 50 rubles pagore nokuda kwokuripirwa mari munguva kubvira 2014 kusvika 2016. Pashure kufarirwa mutemo pamusoro kudzivirirwa deposits vokuparidzira ehurumende atora basa zvizere nokuda kwokuripirwa deposits kuti aifanira -oma panguva "Pavlovian" zvinhu muna 1991. Maererano gwaro deposits zvaifanira dzikwanise kuchengetedzeka.

Bank zvakafanana nokuda vatengi

Domestic chikwereti ehurumende, maererano kukura mari muna 2012 yairema 27.7 tiririyoni rubles. Nhamba iyi yakaziviswa neShumiro Finance. Munguva kubva 2005 kusvika 2011 rakanga zvakanyatsorongwa zvaitwa kubhadhara kuti vagari kunyika imwe muchikwata. In yose, Sberbank yakagwamba nechando deposits yakaderera nezvikamu mamiriyoni 365,5 rubles. Kubvira muna 1996, vagari Russian vakagamuchira mumaoko bhiriyoni 441,6 rubles.

Legislative hwaro vachibhadhara

Frozen mari Bank deposits chichange vanobhadharwa zvishoma nezvishoma kusvikira 2016. Payment vachava mapato 1945 pakuberekwa. Mari inogona kuwana venhaka okupedzisira ari chitsama katatu nengaidzo sezvazvakaita 1991. Kana akanga apfuura investor kana venhaka yake vakagamuchira zvishomanana muripo, chichagamuchirwa deducted kubva chikuru mamiriro. Kana dhipoziti akanga pamutemo akavharwa 1991 munguva kubva 20 June kusvika 31 December, kuti muripo haavimbi payo.

Vagari Russia, pamwe gore rekuberekwa kubva 1946 kusvika 1991, uchagamuchira nekuripira dhipoziti kwako nekaviri saizi. Vhoriyamu vachibhadhara achaiswa dzaona nomumwe maererano imwe coefficient, izvozvo zvinoenderana nguva yose dhipoziti. Kana depositor vakafira nguva kubva 2001 kusvika 2014, uye yaiva kukura dhipoziti anopfuura 400 rubles, venhaka agamuchire kubva State anenge 6000 rubles kubhadhara yemariro. Kutanga muna 2014, mipiro achakwanisa makambani ose, pasinei gore pakuzvarwa kwavo. State sungiro azere Implementation iri Vakaronga kuti 2020.

Digression mutemo

Vagari ehurumende, vari kuverenga pamusoro muripo, vanofanira kuziva kuti deposits mu rubles Sberbank anodzoka zvadai. On mari vapore havagoni kuverenga:

• vanoita nevazukuru vavo, apo kurarama Russian Federation, havana citizenship.

• vanoita uye vadyi venhaka, uyo zvino regai kugara Russia kana tiri vagari dzimwe inoti.

Kubhadhara pamusoro deposits akavhurwa pamusoro mundima inotaura kare nhengo USSR, akabata hurumende dzakawanda uye zvichinyatso enderana mitemo pari panyaya yavo. Muripo ruzivo wakanyorwa imwe passbook. Akadaro chakakomba yokusvika ayo mitoro kuti depositors kunoita pfungwa pamusoro dingindira kana mari Bank kuti -oma deposits muna 2015, musoro uye kumedza kutsenga kuchada.

Ndezvipi zvipo zvaipiwa pamahombekombe nhasi?

Financial sangano kuramba vachishingairira. It unoshanda zvakasiyana-siyana vaitaura, kwete chete nokuti dzimwe mari deposits muna mari Bank, asi deposits mu rubles. Pasinei nokuderera mubereko rates, kuwanda inopiwa iri rakafara chaizvo. Nhasi, vatengi kuti tsika mari iripo itsva nemari Bank deposits:

• Refillable. Deposit inogona yakavhurwa euros, rubles uye madhora. Minimum mubhadharo - kubva 1000 rubles, 300 madhora uye 300 euros. Ya mupiro matatu kusvika 12 mwedzi. On chikumbiro, kuti dhipoziti inogona kukasawedzerwa pa 1,000 rubles, madhora 100 kana euros, zvose zvinoenderana currency. Nokuti Ruble mupiro izvozvo akapa 5% kubudikidza dhora - 4.15% euro - 3,85%.
• Special. Ya mupiro kubva 3 months makore matatu. Shoma nomupiro yakawandisa zviuru makumi matatu 1000 zvemadhora kana euros. Aronga Ruble chikamu muzana nomupiro ndiyo 4,85% kubudikidza dhora - 5.3% euro - 4,75%.
• Mari. Uyu dhipoziti ane zvishoma pasi kubhadhara zvuru 30 rubles pa 6%. Sam chikamu muzana kunogona dzakachinja zvichienderana dhipoziti mari uye yawo refu. Nguva yose dhipoziti ndiyo 24 mwedzi. Vakabvumira mamwe mipiro 1000 rubles.

Latest inopa, izvo zvinoita mumari Bank of Russia - mipiro chivimbo uye "Ipai Upenyu", uye multi-chinangwa. Munhu wose anogona kuwana Zvakanyanya Kunaka Panguva Yepamuviri mubhizimisi saizi, asi kana asina kugamuchira kudyidzana pamwe yacho achanzwisisa gare gare.

Promotional mikana pensioners

Senzira mari Bank of Russia wokuti unofadza zvikuru vaitaura kuti vanhu vakwegura. Zviviri zvinogona kubva deposits zvinogona kutaurwa:

• Mudyandigere mu rubles panguva imwe chimbadzo 6%. Shoma dhipoziti iri 1,000 rubles, uye nguva yose dhipoziti - kubva mitatu kwemakore maviri. Ibvai mari panhoroondo uye dhipoziti mari zvisingabviri. Kana mukana muzadze nhoroondo yako kuzarurwa, kufarirwa pamusoro dhipoziti akaenzana 5%.
• Mudyandigere Plus. chipo ichi chete pamudyandigere ane guru kwokutanga 1 Ruble uye nomukana replenishment uye 1 Ruble. The chimbadzo ndiyo 3,85%. Kudyidzana kumwedzi mwedzi 36.

Kuvimbisa mubhizimisi, kana rumwe mari

Mumakore gumi apfuura, vose zvipfuwo rwezvemabhengi hurongwa akatsungirira kuchinja zvinoshamisa. Izvi zvinoshandawo kwete chete kukura, asi kudzikisirana. Parallel pakuwedzera kuwanda mabasa chakaitika rose kuvhara uye kusauka mari masangano. masangano avo kuti vakapona nematambudziko 1998 uye 2008, muna 2015 avapa zvinzvimbo zvavo. The inonyanya basa - rubatso magadzirirwo. Russian mari Bank anopa deposits havasi vakawanda purofiti, asi panguva pamwero wakachengeteka kakati yakakura kupfuura private masangano zvebhizimisi.

Sei pamusoro bheji?

Kana kutarira nyaya kubva mwero Bank sechinhu kuedza kukwezva makambani vakawanda sezvinobvira kuti agare yerera, mumari Bank mutemo vakakunda zvayo background. Zvinonzi kubhangi achangobva akatema prices kutsigira liquidity yavo. Izvi kwazvo mwoyo vanoita uye akaita sefungu nehasha kubva kuruzhinji. Vanhu vari zvakare kufarira mubvunzo kana mari Bank kuti gwamba iri deposits anogona. Zvadaro kupa mhinduro yakajeka zvikasashanda, rinogona kudonongodzwa chete chokuti panguva mari urongwa zvizere zvaidiwa ayo mitoro kuti vatengi, kunyange ane hitches shoma. Muchirwisa colour hama kusauka, akaipa wongororo dziri ubiquitous, ndiko chisarudzo chakanaka.

A nyaya zvakaipa

Sberbank kunyange mabasa sezvo chakavimbika kupfuura zvipfuwo pamahombekombe uye nhoroondo yaro haapi zhinji zvinogona vanoita vamwe. Frozen deposits muna 1991 hanya vakararama. The mubvunzo kuti dzimwe mari deposits kuchaita -oma kana kwete vose vachinzwa. Vanhu vanonetseka pamusoro dzokororo nhoroondo. Ukuwo, masangano mari yakadai "Financial zvokuita" uye "Mapisarema", "Finance uye Credit" uye "Terrabank" zvasiya mitoro yawo nokuda kwokushayiwa guta. manipulations All hurumende uye kurapa vashandi, asina zvibereko. Kana tikafunga itsva nemari Bank deposits, kufunga kuti tsika zvemari ane rutsigiro simba kubva kuhurumende. Haana kumbokanda mapfumo mabasa ake, uye kunyange nhasi iri kuedza kuita basa rake depositors kare.

Dzimwe pfungwa dzinonakidza

Kana uchiriona nhamba, ndiko Sberbank, mipiro evanhu izvo tichingotarisira kuwedzera, ndiyo rakavimbika uye wakasimba. Kana nyika ichava Default, riri angangotadza, tsika zvemari zvichabviswa kuvharwa vokupedzisira. Sezvo muridzi 51% kubva establishments, hurumende iri kuedza vanoritsigira, zvakanyatsorongwa anoita guta kuwedzera uye muchando deposits of mari Bank muna 1991 gore vanobhadharwa kunyange nhasi, shure rokutanga chikumbiro kuna hurumende bhajeti mari. Kuronga pamwe zvemari masangano, vanofanira kuteerera pfungwa dzinotevera:

• The chimbadzo, inova kuvatumwa kuti yemakwikwi zvivako.
• Zvinonzi rinoreva paakapiwa muna mumari Bank deposits inongoitika vanhu uwandu 700 zviuru rubles, sezvo ivo zvachose anofukidza nesangano inishuwarenzi.
• Kana uchironga ndokuchiisa zvishoma kwenguva pfupi nguva, zviri nani kuzviita chiduku yezvokutengeserana pakagadzwa. Ikoko, uye kubva muzana zviri kumusoro, uye ndingangokuvara kusauka munyika yakadaro pfupi nguva panobviswa zvinenge chose.

nematambudziko api akasangana bhangi nhasi?

Panyaya yokubhadhara deposits mune zvemari zvikoro havana kunyunyuta. Uyezve, zvakanyatsorongwa akabhadhara yakagwamba nechando deposits of mari Bank of 1991. matambudziko Minor anogona kuitika kana kubvisa mari yakawanda, uye kunyange panguva iyoyo kwete mashoko vasiri kubhadharwa, uye zvatinoita kudiwa arayire mari paruoko pachine. Muna December 2015 kubhangi kuti vatengi vakagamuchira mashoko kuti Ruble uye dzimwe mari deposits kuchaita -oma panguva mazororo. Financial sangano uye akagamuchira - chakavhara kuwana kubva 31 Zvita kusvika munhoroondo vatengi yayo 5 Ndira. Panoperera iri waiti nguva functionality rakadzorerwa. bata rwakadaro tsika zvemari rakamanikidzwa kupedza nokuda unopinza akasvetuka mari, uye harbinger matambudziko madimbu kwakadaro hakusi. Fixed kuduku atadze kushanda zvakanaka mune paIndaneti muhofisi uye mumunda rokushandura. Ndaona pokumbononotswa kugamuchira mari uye chinja kunonoka. Kana deposits, ipapo chinoti mari nemamiriro panguva, nekuti kunyatsofungisisa mubvunzo kana kuti gwamba iri deposits, hazvisi zvakakodzera.

Vari deposits mudzimba nemabhangi vari kudzivirirwa?

deposits All mudzimba nemabhangi kuchizvivanza inishuwarenzi Agency dhipoziti inishuwarenzi. Maererano nomutemo, ose muridzi dhipoziti pakuparwa kusauka mari nemasangano agamuchire muripo mu uwandu 700 zviuru rubles, kana mupiro akaenzana kana kupfuura kuwanda kwayo. Anogamuchira mashoko nezvokuti mumazuva okupedzisira mwedzi ari kukura muripo inishuwarenzi kwakapamhidzwa uye ikozvino kuruoko hapana asingasviki mamiriyoni 1,4 rubles. Kunetseka maturo. Zvino Ruble uye dzimwe mari deposits muna mumari Bank zvakanaka kudzivirirwa mutemo. Kana tikafunga chaiko mamiriro zvoupfumi munyika, unofanira kudzivisa kuzviunganidzira wako guta rimwe sangano zvemari, kunyange rakavimbika. Kugova iripo mari pakati guru pamusika vatambi vanogona kuva huru Siyanisai pangozi. Kunyange kana mumwe pamahombekombe deposits -oma, kufarirwa panorumwe rinenge chose adzikatidza kurasikirwa zvose. Mari anogona kuva vakakodzera nhengo mubhizimisi Portfolio, asi kwete chete nzvimbo achiunganidza zvinowanikwa zvose guru.