A banki "National Credit": matsaloli. A banki "National Credit" an rufe?

A banki "National Credit", wata matsala da ta kai matakin koli a 2014, sun wanzu a 1993. Da farko sunan "Shark" ne riga a kan "National bashi" da aka maye gurbinsu a 2000. Back a 2008, da kudi ma'aikata ya tako har hanya da doka nau'i na canji. Limited Sanadiyyar sabunta hanyoyin hadin gwiwa stock kamfanin a shekarar 2009. A watan Disamba 2010, "Mutane na Credit" Bank, wanda ya kasance a baya kawai m reviews, ya samu 25% na "Bank of Khakassia." A kadan daga baya, da yawan hannun jari da aka karu zuwa 76%. By 2011, Khakassia kudi ma'aikata lasisi aka cikakken soke dangane da hadewar. A banki "National Credit", matsaloli wanda ya fara saboda low liquidity, sarrafawa iyali Antonov.

daraja da

The Bank ya yi aiki a Babban Bankin lasisi da kuma wani abokin tarayya na Moscow. A kudi ma'aikata ya memba na Ƙungiyar na Rasha Banks da yar Tsarin Deposit Insurance. Hukumance rajista rabo babban birnin kasar na kamfanin ya biliyan 1.8 rubles. Adadin ãdalci babban birnin kasar da aka daidaita $ 4.2 biliyan. Cibiyar da daraja na aboki memba na kasa da kasa biyan bashin da tsarin visa Inc. kuma MasterCard WW. A baya can, rating hukumar ta ko da yaushe tabbatar da solvency na ma'aikata da kuma sanya shi ga wani category A daidai da kasa sikelin.

A shekaru biyu kafin su fara bayyana rahotannin cewa "Mutane ta bashi" banki na rufe, kungiyar aka bayar "Financial Olympus". A yankin cibiyar sadarwa tsarin kunshi 9 babban rassan da wasu 35 ƙarin ofisoshin. Cibiyar Tarihin sun sau lokacin da ya ba su ma suka yi jihãdi ga m on jihar. M bashi siyasa a cikin mafi sau yarda su isa babban liquidity.

Abin da ya faru tare da banki a 'yan shekarun nan

A karshe shekara na kudi ma'aikata aiki a karkashin wa'azi na Central Bank, wanda iyakance da hannu na mutane da 'adibas. Wannan tsari da aka samu a watan Yuli 2013. Har ila yau, a Bugu da kari ga gazawar babban bankin na Rasha Federation bada shawara mai karfi don kunna duk reserves saduwa da wajibai zuwa ajiyar. Da hankali ne kõma zuwa ga gaskiya cewa kudi ma'aikata kanta ya taba biyã wani m siyasa don jawo hankalin adibas. Irin matakan da aka dauka a matsayin sakamakon da low liquidity na ma'aikata.

A farko sakonni zuwa matsala

A farko matsalar aiki na samfur da aka saboda gaskiyar cewa "National Credit" Bank ya fara bayarwa adibas waje da dokokin. Lokacin da masu zuba jari suka fara isa ga su adibas, suka sanar da game da kullum iyaka na Cibiyar a cikin adadin 25 dubu rubles. Mutane ba su iya samun hannuwanku a kan duk taimaka a rana daya. Mun ya tafiya for makonni. Duk da haka, a kwatanta da sauran cibiyoyin kudin, wanda gaba ɗaya ki yi ta biya, a kan Hauwa'u na fatarar "Mutane ta bashi" banki reviews wanda a koyaushe yana da wani m connotation, kusan ya cika complied tare da wajibai. Duk da rikicin, da kira cibiyar ma'aikatan consistently amsa dukkan tambayoyin da samar da cikakken bayanai ga kowane abokin ciniki. Don hana da kayan fadi, banki ma'aikata suna kullum sanar da abokan ciniki da cewa wasu biya su ne a riƙe, kuma mafi yawan asusun ba su goyon.

Ƙoƙarin gyara halin da ake ciki

A wani yunkurin magance halin da ake ciki na JSC "Bank" National Credit "yake ƙoƙarin ƙara liquidity by ragewan amfani rates a kan basussuka. A shirin "Mutane" ya zama mai wuce yarda da araha. A gaban na biyu ko tabbacin sha'awa kudi a kan rance har zuwa shekara guda da aka sani kawai 16%. Lokacin da tsawon na aro daga shekara guda zuwa shekaru uku, da amfani kudi zai zama daidai da 17% annum. Idan rance duration ne fiye da shekaru uku, da kudi a kan shi aka gudanar a cikin kudi na 18%. Loans ma samuwa ga abokan ciniki wanda ba su da wani tabbaci ko lamuni. Duk da haka, a cikin wannan yanayin, da sha'awa kudi ya tashi zuwa 18%. A lokacin da ka gudu cinikayya daga 1 shekara har zuwa shekara uku, da amfani kudi zai zama 19% annum. Idan abokin ciniki ta yanke shawarar daukar wani aro na tsawon shekaru biyar, da sha'awa a kan aro zai zama 20%. Offer yi a duk ofisoshin, ciki har da a wani gari kamar Abakan. A banki "National Credit" bai ajiye ko wata matsananciyar yanke shawara: da liquidity halin da ake ciki bai canza ba.

A kan abin da ya kafa tushen yanke shawara game da tsiyacewa da lasisi?

The yanke shawara a kan tsiyacewa da lasisi da aka sanya a kan tushen da sabuwar gwamnatin rahotanni. The bayanai ce cewa "National Credit" banki ne fuskantar matsaloli ba kananan dangane da liquidity ƙi zuwa 50%, da kuma nan take liquidity rabo ya game 15%. A kudi ma'aikata ya ba amfani ga jihar taimakon dangane da gaskiyar cewa a lokacin da aka gudanar da tattaunawa da masu zuba jari, ya yi niyyar yin wani taimako a cikin adadin $ 100 miliyan.

Farko na karshen

Bayan samu na saƙonni daga NBU abokan ciniki na JSC "Bank" National Credit "domin gazawar cika ya wajibai, da rikon gwamnatin da aka sanya wa kudi ma'aikata. An fara daga 1 ga Oktoba, 2014, da rikon gwamnati ta gudanar da wani kudi bincike na halin da ake ciki. Bayan total asarar da aka rubuta a gaba sirri babban birnin kasar. Aka yanke shawarar cewa ba shi yiwuwa a mayar da solvency na tsari, da kuma wani jiko daga gwamnati ba za ta sa hankali. A sakamakon kimantawa da halin da ake ciki na ɗan lokaci Authority zama m dalilin ƙarshe na aiki na kudi ma'aikata a matsayin "National Credit" Bank. Revocable lasisi kawai a cikin yanayin a lokacin da wani ma'aikata ya daina iya har ma da taimakon kudi daga gwamnati da ta yi a ko'ina cikin shekara duk na da wajibai zuwa ajiyar da kuma bashi. A yanayi daidai bi da dokokin.

Jobs birgima saukar da wani karkata

Nan da nan bayan m liquidity "National Credit" Bank ya fara fuskanci matsaloli ba karamin, duk da conservatism na aiki, nuna a kula da gidaje da kuma jama'a utilities ayyukan. Loans ga mutane lissafta kawai 3% na aro fayil, rinjaye dukiya da wani rabo na 70%. A kan kudi na mutane da lissafta kawai 23% na wajibobi. Saura kudi don kamfanoni asusun lissafta kawai 22% na babban birnin kasar. A hannun jari da kuma bayanan lura na cikin gida da bankuna lissafta kawai 19% na net dukiya. Interbank ma'aikata, a mafi yawan yanayi, amsa a matsayin mai bayarwa. Tare da wani babban mataki na maida hankali na dukiya ya wajibobi da sha'anin aiki da low riba.

A karu a

Bisa kididdigar da daga National Rating Agency, "National Credit" Bank revokes lasisi wanda saboda low liquidity a 2010 ya ribar 20,9 miliyan rubles. A cikin shekara ta gabata wannan adadi shi ne da yawa ya fi girma, kuma zambar 107,2 miliyan rubles. Wannan halin da ake ciki saukar da banki domin 149 matsayi a cikin ranking, da kuma ja hankalin na Deposit Insurance Agency. Raguwar lura a duk ofisoshin da kananan rassan, ba togiya da kuma birnin Abakan. A banki "National Credit" ya fara bayar da ƙasa, ko da yake zahiri kome ba daga ãyõyin matsala.

Ingantaccen kammala labarai

A banki "National Credit" an rufe tare da dalili. Bugu da kari ga rashin liquidity, da rikon gwamnati ya koya cewa farashin mai kudi ma'aikata ta dukiya ba fiye da 14,121 da miliyan rubles. Game da wajibai zuwa ajiyar da bashi, da suka asusu domin game da 16 854.8 miliyan rubles. Dalilin wannan, sãɓã wa jũnamai yake a ɓõye, don en, na farko ba da yin rance, wanda amounted zuwa 10.2 biliyan rubles. Haka kuma, hujjar da aka rubuta da sayen illiquid promissory bayanin kula a cikin adadin biliyan 1.8 rubles daga cikin kamfanonin da wanda adiresoshin aka jera a cikin takardun kada dace gaskiya. Akwai ya kasance mai ƙaddarãwar dukiya da kudi ma'aikata a cikin adadin 0.2 biliyan rubles. Daga cikin kayyadewa samu bayanai cewa management gudanar da laifi yadda ake gudanar. A sakamakon wadannan jan ne fiye da bayyane, kuma samun ci gaba ya kamata ba sun sa ran. Duk da cewa mafiya yawa daga masu zuba jari baya su tanadi a sashi, shi ya kasance quite da dama wadanda asarar zai rama da inshora dillancin a cikin wajabta yanayin da tsari.