Matambudziko "MOSOBLBANK": kudzokorora rezinesi. Chii chichaitika kubhangi?

Kare muna 1992, pasi pezita "Vatan" muna Dagestan Bank hwagadzwa, iyo gare gare atenga panze uye vakatamira kuguta Fryazino, Moscow Region. Panguva iyoyo yakanga kunzi "Mosoblbank". Muna November 2011, Central Bank of Federation akarambidzwa naye kwemwedzi mitanhatu kuti kutora deposits nevanhu vasiri shareholders pakati kubhengi. Asi urongwa zvemari wainyatsotaura asina mushonga. Makapiwa nomumwe investor pachake mugove pasina achitsanangura kuti munhu zvaiitika pamwe "MOSOBLBANK".

Tanga matambudziko

Kuvandudza liquidity yacho kubhangi, rakanga kubudirira nemhaka vanomutswa mari, Akakwezva muCentral Bank of Russia uye sangano, iyo inosimbisa kuchengeteka deposits. Muna January 2012, pakatanga hombe-pamwero chivimbo chakasimba, izvo zvakabatsira kuona manomano izvi. Zvadaro, bhengi akaramba achituma mari vatengi, tichivapa chimwe chinonyanya kukwezva prices. Muna 2013, "Mosoblbank", maererano zvikuru chiremera mabhuku, akakwanisa kupinda 30 zvikuru mabhanga.

Asi pakutanga May 2014 nhau akashuma kuti nhoroondo vakanga wakasuduruka anenge mabhiriyoni 60 rubles ichi chinangwa kushandiswa zvirongwa enhema. Pasinei chokwadi kuti basa yave nyaya kudare kuitira kudzivirira mukurumbira wayo, dambudziko ne "MOSOBLBANK" vakatotanga. May 19 zvikazikamwa kuti Central Bank vakasarudza kudiwa kupindira munyaya kubhengi. Nechekare 21 romwedzi iwoyo, kwakasarudzwa kuti kuitisa ayo apore pakuvhiya.

yokunzvenga zvirango

Kare mangwanani 2013 'MOSOBLBANK "rakapa mirayiridzo kutirambidza mabasa - zvakanga zvisingaiti kuvhura nemahofisi matsva kwemwedzi mitatu, uye mabasa chaiwo vanhu, uye mari aihuitira mwedzi mitanhatu. Pasinei neizvi, mari tsika kuti utariri akasimbisa rinokosha hurongwa naro zviviri rokuzvidavirira kwakaitika, paiva vaviri yakafanana nepakati papepa. Ndiko, mabasa ose chakavanzirwa Russian Central Bank, "MOSOBLBANK" matambudziko kwenguva refu nguva vakakwanisa kuvanza.

Somugumisiro boka zvemari iyi akakwanisa kukwezva vanhu kubva munhoroondo yavo mabhiriyoni 100. Zvisinei, chete 1/5 of kuoneka mishumo inopiwa mari iyi. Kuti tinzwisise apo yasara mari, zvisingaiti. Mari inenge yashandiswa muna utility makambani, makiriniki, mabhizimisi akasiyana-siyana. Mubhengi akanga ba anenge zviuru 70. M. mamita ane Real Estate muguta guru uye kunzvimbo, guru mapindu, dzimba muguta pakati.

Zvikonzero vapore

Vazhinji panguva vakafunga kuti haatombotauri musoro nekukatanura zvose matambudziko "MOSOBLBANK" nyore kuti titorerwe rezinesi ake. Asi varidzi tsika kuisa mari chakabiwa mune zvinhu zvakadai kuti akaoma dzika. Agency, iyo anobata kudzoka deposits evanhu, aizofanira mudzorere depositors zvakarurama mazakwatira mu rubles - 100 bhiriyoni, uye kuripa nokuti asingatombokwanisi.

Ndokusaka mari mari, kwakasarudzwa kuti zviri nani kuti sanitize "Mosoblbank". WIthdrawal of rezinesi akasagona zvinetso zvose. Asi muitiro yokuchinja management vanofanira kudzoka yesangano iri chaiyo pachiyero.

vapore nzira

By Mutongo Central Bank of Russian kupora nzira zvakandivhundusa mari zvikoro zvinofanira kukurira "SMP Bank". Iye achava aiwanzopiwa wokushanda pamwe nesangano dzinobatanidzwa inishuwarenzi dhipoziti. Zviya, "SMP Bank" chengeteswa kwete yakanatsa kambani mari, asi "Inresbank" uye "Finance Business Bank". Varidzi zvose izvi nemasangano zvakanga mhuri Malczewski.

Kuti aite kupora kurapa "SMP Bank", raiva hama Rothenberg, vakaronga hurumende ichiisa chikwereti nevanhu mabhiriyoni 98,6 rubles Russian kuti kwemakore gumi. Maererano CBR kuronga zvose matambudziko "MOSOBLBANK" akanga asarudza kutanga mushure "SMP Bank" richava nhamba yakakwana migove zvisarudzo dzinokosha.

Chokwadi, pachipatara pacho vangada kuona kubhangi kuti liquidity pakutanga yavaipora nzira yakanga nani, nekuti mubhengi raiva guru uwandu munataisireva uye vachizeza yesangano, ukoshi vazhinji vavo akava kukwirira. Asi, Ukuwo, "SMP Bank" zvakanyorerwa inopikira kubva vamwe vaimbova shareholders kuti "MOSOBLBANK" kuvapo pfuma yavo, izvo zvinogona kufukidzwa chikamu wazvipira.

Njodzi vatengi

Ichokwadi, kudzidza matambudziko, vanoita vakatanga kushamisika chii chichaitika kune "MOSOBLBANK". By bhizimisi pa anokwezva chimbadzo, vakatanga kutya kuti havagoni kudzokera deposits dzavo. Vakawanda vanonetseka ekupedzisira kuva shareholders. Kana iwe uvhure rubatso kubhengi vashandi uye aida kutenga migove pakati kupfungwa pasi anorimwa chatengeswa kumativi 3% yose inowanwa. Uye 97% iri vaiva ne "SMP Bank". Vagari vari kupfuura kutya kuti hapana vanosungirwa nekungwarira migove yakatengwa dzinongoitika vanhu.

Asi vanhuwo depositors shoma chikonzero chokunetseka. Matambudziko "MOSOBLBANK" zvishoma nezvishoma chakagadziriswa, kubhadhara iri tsika zvemari vakatotanga.

kumisa basa

Chikonzero chikuru iro vatengi dzinofarira zvinoitwa "MOSOBLBANK" aiva kwenguva kuturika vachibhadhara uye issuance mubhangi. Zvisinei, izvozvo hazvina kugara kwenguva refu, kare vakabata akatangazve mabasa June. Zvisinei, Vatengi vakawanda vari kusangana buda nokuda kuvhara vanoverengeka dzemapazi bhatiri. No nyaya chii dhipatimendi kubhangi yakavhurwa mupiro, mari achaiswa akadzokera nhengo kuda dzakabatana.

Zvakare, yeGmail.END_STRONG haafaniri kunetsa matambudziko "MOSOBLBANK", vanogona kusarudza zvakakodzera hofisi kwavari (kunyange kuva mukati chete nebazi). Ose mugari application kungachinja nzvimbo basa ravo.

zviitwa Mirayiro

Purogiramu chaiyo yambokurukurwa nokuda normalization ari pachipatara pacho, izvo zvinofanira kutungamirirwa "Mosoblbank". The dambudziko nhasi Zvechokwadi, dzasara asi kupora nzira richaramba ichi zvemari mabasa kambani mumusika. Mubhengi akasuma rinokosha basa purogiramu, izvo anenge uwandu anogona kupiwa sei uye chii mari depositors.

Nokuda yakabvuma nzira kuti achibudisa mberi deposits uye kukutadzisa kukura kubhadharwa management nezuva anoda kudzivirira nokutya uye usarega vagari yokubva mari zvose zvinowanikwa kubva munhoroondo yavo. Uyewo ari rakabvongodzwa bhengi waiti pamazita magwaro kuti akabvuma kuti muripo. Saka hurumende anoda kudzivirira raitungamirwa chevanorwara nemari zvichibvira dzinofunga nevanhu anonyengera vanoda kushandisa ezvinhu akaoma, iyo zvino dzimba kuti "Mosoblbank". Zvinetso 2014 vakakurukura zvizhinji, nokuti yose ine vanopfuura zviuru 300. Makambani.

Procedure chokuwana mari

Temporary "MOSOBLBANK" Chinyorwa anoti mari iri vanobhadharwa mari desks basa musi iwoyo. Asi tsika zvinoitika kuti muripo zviri nani kusiya kushanda uye kubvumirana pachine mari uye musi chionekeso. Usiku unogona kuwana anopfuura 100 zviuru. Mari Zvakakura chichange vanobhadharwa Yakabudiswa.

For vachibhadhara mu rubles pa mwero anosvika 100 zviuru. Enough kupa pasipoti. Kuti tiwane mari kupfuura muganhu uyu, unofanira kupa yepakutanga chibvumirano yacho, iyo yakanga chinoguma kubhangi, uye magwaro anogona kusimbisa pakatanga mari. Asi kuti nyaya, kana mutengi achida kurega vanopfuura zviuru 700. Kubva nhoroondo kubhengi, ipapo zvakafanira kugadzirira zvose zvinyorwa pamusoro apa, kushandisa uye kugadzirira kumirira mazuva mashoma. Usanetseka chii chichaitika kune "MOSOBLBANK" uye kufunga sei haapi mupiro yose panguva. inopfupikisa Large vanopiwa zvishoma nezvishoma, risiti mari zvakazara dzichaparara kubhengi kanoverengeka.

Zvakakurukurwa mumwaka dambudziko nguva

Akapiwa chokwadi chokuti Central Bank akaita sarudzo kuzoita tsika zvemari akati, vatengi kuramba vachishingairira kushandisa basa kubhengi. Sezvineiwo nekwevanorwa pfungwa, vanhu vakawanda havana kubvuma tisatya uye kwete kuva nyaya yokukurumidzira kuputsa dhipoziti chibvumirano, saka kuwedzera ezvinhu umo "Mosoblbank". Zvinetso 2014 haina zvakare kukanganiswa paro mabasa. Iyewo anoramba kukwezva deposits kubva vanhu, zvisinei, kufarira prices vave rakadzokororwa nokuda kwokubatsira itsva kutapudzwa. Uyewo June nayo akatanga basa chokubvuma paruzhinji utilities kubhadhara iri mari 1%.

Pari, zvikwereti akapa kuvanhu, uye vakanga akazvipiwa ane 35% kuwedzera pamusoro June 2014 pane munguva chete gore rapera. Zvisinei, zviri issuance yemutoo wezvikwereti pamutemo masangano asati patsva, kunyange zvazvo mari zvakanaka mabasa kuitwa chete vhoriyamu sepakutanga pakatanga matambudziko.

Mune ramangwana, zvokungoitawo Kutarisirwa anotarisira richikura ayo mutengi zvitsigiro Bank "Mosoblbank". WIthdrawal of rezinesi kwavari kuenderera nomazvo kururamiswa haina pangozi. Kubhangi anoronga kuvandudza mabasa nezvimwewo Mapato zvose zvatinoona uye nomutemo masangano, kuwedzera zvachose Vhoriyamu kwema kuderedza mukana mari uye kuvandudza kukurukurwa kwayo. Asi kuita zvinofanira acceding vamwe hurongwa kana batanidzo nemamwe mabhanga ari kurongwa.