"Poolu-Bank": ikike kagburu? "Poolu-Bank": ego, e si nweta, reviews

Otu n'ime ihe ndị kasị dịrị nchebe ego oru azụmahịa, kpụrụ ke 1995, mara na Russian ego ahịa dị ka "osisi ọkọlọtọ-Bank". Kagbuo ikike ya ma ọ bụ, anyị ga-aghọta ihe ọzọ, ma n'ihi na ugbu a na-amalite na ihe mere eme.

Isi mmekọ nke oru na onwe investors na obere oru buu igba n'ulo, obere na-ajụ-sized ulo oru. Otu n'ime ihe ndị mepụtara eme na ihu ọma nke onye ọchụnta ego ọrụ. Ke ofụri ofụri, na ego na alụmdi na-enye a na nso nke ichekwa ego na bank ọrụ, nke bụ ma n'ụzọ zuru ezu afọ ju onye mkpa na izute ọdịmma nke oru buu igba n'ulo. E nwere ọnụ ọgụgụ nke kpọmkwem ngwaahịa.

Wide nso nke ọrụ

Alaka nke "osisi ọkọlọtọ-Bank" na Moscow - nke a abụghị naanị ihe nnọchiteanya nke a ego alụmdi. Na mkpofu akụ na ahịa nwere alaka n'èzí isi obodo, ndị ọzọ ụlọ ọrụ, na-arụ ọrụ ego tebụl na ATMs. Otu n'ime ihe ndị isi ọrụ a azụmahịa enterprise nwere ike mata remittances na mgbazinye ego, ego na programmụ na aha kaadị. Ọ bụ ndị a ike ahịa ikwu ihe n'ụzọ kasị mma.

Dị ka mba ndị bụ isi na anoghi n'ulo oba, "poolu-Bank" nwere ya online ọrụ. Ebe ọ bụ na 2005, ego na alụmdi bụ ihe ukara so na ego Insurance System (ịkparị). Nke a ga-emepe ohere na okwu nke na-ere na ore ọrụ. Dị ala management na-eme ihe metụtara ezoro ezo ọmụma. Ahịa asị adaba na mgbanwe ediomi atụmatụ, nakwa dị ka nnweta a dịgasị iche iche nke ichekwa ego na bank amụma.

Rating gị n'ụlọnga

Dị ka ọtụtụ ndị nke mba fim ụlọ ọrụ Rating ntụkwasị obi nke "osisi ọkọlọtọ-Bank" bụ dịtụ elu. Ná mmalite nkebi nke ewumewu ama elu n'aka fim - n'ogo A, na njedebe nke 2014 a fim e downgraded ka b ++, bụ nke na-a kwesịrị egosi ntụkwasị obi nke alụmdi. Agency Amụma mbụ kọwaa ya dị ka a azụmahịa ịmalite ịzụlite, taa ya nyere ọnọdụ nke a ike.

ugwu otu

Member nke Moscow Interbank Stock Exchange, a so Association of Russian Banks, na ikike nnọchiteanya nke ndị dị otú ahụ na ugwo usoro dị ka MasterCard Worldwide na visa International - niile a "poolu-Bank". Ọ revokes akwụkwọ ikike nke alụmdi? Ọ dabara nke ọma, nke a na-ezighị ezi ozi a ego alụmdi, ha nwere ihe ọ bụla mee. Enterprise otú e si arụ, na-arụ ọrụ, bụ a obodo nke interbank ego nkwukọrịta ụdị. Ọzọkwa, oruru bụ onye nke ndị dị otú ahụ ego nyefe usoro dị ka "Unistream" na Kpọtụrụ, Migom na Western Union.

Mmalite nkwado nwa oge ihe isi ike?

Ekwu okwu banyere eziokwu ahụ bụ na ego alụmdi "poolu-Bank" ikike kagburu, malitere site eziokwu na na njedebe nke 2014 na 16 na December 17 e rụrụ iji nyochaa arụmọrụ eme nke ya na-eme. Site ukara isi mmalite, ọ bịara mara na Interior Ministry na Federal Security Service enyocha akụ, ka ọ nọ na-enyo enyo nke ndisịn idem na iwu na-akwadoghị na-ezu ohi ego si emefu ego. December 16 nnọchiteanya nke ikike ozu kpamkpam bukọọrọ niile ego na alụmdi na sava, ebe niile ozi e depụtaghachiri.

Panic bilie omempụ bụrụ na nke na-ezu ohi ego maka owuwu nke ihe oceanarium n'àgwàetiti Russian, nke e kwere nkwa ọlụlụ maka owuwu management na Far Eastern Federal District, na owuwu nke Russian akwa n'elu Eastern Bosphorus Strait, bụ nke 'Mostovik "nyere otu oru Ngo. Andrew na Oleg Poplavsky SHishov, oru nke na-ewu ụlọ ọrụ, e ejide site TFR, ha na-atụle ahịa nke ụlọ akụ.

-enweghị egwu

Na oge site na 16 ruo 17 December, gburugburu izugbe nsogbu na nkọ ịrị elu na dollar malitere masịrị n'etiti depositors. Isi ụlọ ọrụ na-arụ ọrụ n'otu ụbọchị, na investors na onye na anoghi n'ulo oba amalitela ifịk ifịk ịdọrọ ha ego. The akụ n'agbanyeghị kwuru na ego alụmdi-adịghị arụ ọrụ n'ihi enweghị ọkụ eletrik, ma ọ dịghị na-egwu a nnukwu ọrụ. N'ihi ya, kpụrụ ogologo queues na elu eruba ngwa emewo ka ụfọdụ yitewere na-arụ ọrụ.

Asịrị na-agbasa na ego alụmdi "poolu-Bank" ikike kagburu, na na akụ na-agbalị na-a nnukwu ego nke ego na rubles n'okpuru 30% kwa annum na interbank ahịa. Ma okwu nwere anya e gbaghara. The isi obodo si ebipụta media mara ọkwa na ndị ndọrọ ego nke ikike ka naanị a ụbọchị ole na ole, dị ka ndị CBR akụ tụfuru nri na-enye ọrụ na anụ ụlọ ego ahịa n'ihi na iwu na-akwadoghị nyefe nke mkpata na mmefu ego ndekọ nke ndị mba ọzọ ụlọ ọrụ.

Olee otú ọ na biri?

Ọnọdụ e sere kpebiri na December 29, mgbe ndị nnọchiteanya nke ndị ikikere nwere kwuru na ha enweghị ekwu megide nzukọ "poolu-Bank". Nyocha nke ụlọ akụ na nke a karịsịa na oge wee malite ịpụta na-ezighị ezi. Dị ka akwụkwọ, bụ nke e wepụrụ si nzukọ, ọ bụla mgbazinye ego ọ bụ n'okpuru 30% kwa annum ajụghị ọ bụla ihe isi ike o bilie na onye na anoghi n'ulo oba. Iwe e jikọtara na eziokwu ahụ na-ahụ na ego na alụmdi nwere ike ghara ịkwụ ụgwọ dollar-denominated ego na ya. Dị ka onye ọzọ, ọ chọrọ ibuli nke mba ọzọ ego ego na rubles.

Ọnọdụ na mba ego ahịa, mgbe ọtụtụ mmiri nanị jụrụ mezuo ya ọrụ na kwuru onwe ha odida, na-eme ka o doo anya na-arụ ọrụ nke Institute (na mmasị ọnụego nke Central Bank nke Russian Federation 17%) nọrọ na a elu larịị, albeit okè. The ikike nnọchiteanya nke ụlọ akụ enen eziokwu na na oge site na December 17 ka 22 itieutom CB "poolu-Bank" n'ezie bụkwanụ site ahịa. Kpatara nke onu malitere bụghị nwa oge ihe isi ike na ọchịchị enyo na a nkọ na-awụlikwa elu nke ruble na-arịọsi mgbalị nke investors na-ọ dịkarịa ala akụkụ nke ha ego ha. Na ọnụ ọgụgụ kasị elu oge nke na-arụ ọrụ e rụrụ na nkịtị mode dị ukwuu dị ka o kwere omume.

The incredibly uru enye

Malite na December 2014 na March 2015, n'agbanyeghị ambiguous ọnọdụ ahụ, "poolu-Bank" ụba olu nke ego site fọrọ nke nta 43%. Ngụkọta ego nke ndị mmadụ n'otu n'otu dịrị 15.4 ijeri rubles. Nke a na ọnụ ọgụgụ na-agụnye a ego akụkọ ụlọ ọrụ. Fọrọ nke nta 3.5 ijeri rubles ụba onwe ego na oge site na 91 ruo 180 ụbọchị. Ọnọdụ bụ ihe ndabere maka ihe a na ofu na a elu nzukọ "poolu-Bank" fim (na-enyemaka nke ndị ukara oru nke saịtị). Ihe kpatara bụ nnukwu tide ego mmasị ọnụego na 22%.

Mma n'aka ọnọdụ

Mgbe mmezu nke nchoputa niile akụ ọrụ na maliteghachiri. Good reviews nke mmekorita ya na a ego alụmdi borrowers ahapụ. Dị ka ha, a ediomi atụmatụ bụ nnọọ mgbanwe. Dabere na mbinye ego mmemme dị mmasị ọnụego si 23% na 33%. ndikọm oge si 36 42 ọnwa. The kacha dị size nke n'ji n'aka kwekọrọ 250 puku rubles. Maka oru buu igba n'ulo na ndị ọchụnta ego ndị pụrụ iche na mmemme.

Mgbochi ndị ndị Central Bank nke Russian Federation, ma ọ bụ otú ndị ọchịchị achịkwakwa ndị inflow nke ego

N'ihi na nnukwu inflow nke ego nke Central Bank nke Russian Federation amanye a moratorium na ọrụ nke ego alụmdi. Banks ndị amachiri ndinyịme ọhụrụ ego na idochi ẹdude n'anya. Nke a mgbochi ezu bụ ruo nwa oge. Mmachi banye ike on April 17, na ya ngafe ụbọchị na ndokwa maka mbubreyo May.

The ukara website nke Central Bank nke Russian Federation nwere a ọgwụ na ugbu ego alụmdi nwere nti ikike. N'otu oge ahụ, anyị na-arịba ama na onye ọ bụla nke contracts taa na-arụ ọrụ na-akpaghị aka akp n'okpuru otu usoro na ọnọdụ nke ediomi.

Dị ka gọọmenti onu ogugu enwere ugbua maka April 1, 2015 ego nke net akụ dịrị 24.17 ijeri rubles. Nke a na ọnụ ọgụgụ me akụ na 159 itie ke Russia. Capital bụ 3.2 ijeri. Nke a index na gbakọọ site CBR. The n'aka Pọtụfoliyo bụ 16,36 ijeri dollar. Olu nke ibu ọrụ ka ndị bi kwekọrọ na 15,38 ijeri. Dị ka ihe ahụ dị n'elu, ọ nwere ike kwuru ezi ọrụ arụmọrụ, nke nwere a "poolu-Bank". Ego, mgbazinye ego, reviews nke melite a ediomi, nọgide na-adọta na-eji ọkụ. Ekwu banyere ihe ndị ga-eme mgbe na-ebuli nke moratorium na akụ, ọ bụ kwa n'oge. Ọ na-anọgide na-eche maka njedebe nke May na nyochaa ọzọ merenụ.