Bankin "Delta Credit": reviews. "Delta Credit" (Bank) rassan, adiresoshin, abokin ciniki feedback

Daga cikin Rasha kasuwar shugabannin a cikin kashi na jinginar gida na rance - banki "Delta Credit". Duk da zumunta matasa, wannan kudi ma'aikata ya iya cimma babba nasara a bigiren ta aiki. Saboda abin da da m abũbuwan amfãni daga cikin banki yi da shi? Mene ne fasali na jinginar gida shirye-shirye miƙa ta "Delta Credit"? Mene ne na ƙwarai sunadaran da hulda da banki da kuma ta abokan ciniki?

Game da banki

"Delta Credit" Commercial Bank (DeltaCredit) aka dauke su daya daga cikin na farko a cikin Rasha bashi da kudi cibiyoyin kwarewa a cikin jinginar gida kasuwa. Duk da yake sauran kungiyoyi masu yawa na kokarin bayar da abokan ciniki mafi girma zai yiwu yawan ayyuka, DeltaCredit mayar da hankali musamman a kan gidaje, rance kasuwar. Ba sosai a Rasha a matsayin qware bashi da kudi kungiyoyi, kamar "Delta Credit Bank". Mabukaci bashi a ba za a iya samu, amma mai fadi da kewayon zaɓuɓɓuka don jinginar gida a can.

A farko bayanai a kan aiwatar da banki jinginar gida shirye-shirye da aka rubuta a shekarar 1998, a lokacin da m kashi na kasuwar kawai ya fara bayyana. Duk da haka, aiki banki DeltaCredit a Rasha fara kawai a 2001. La'akari da matsayin wasu manazarta na sake dubawa, "Delta Credit" - wani banki da mai kyau bashi rating. Wannan factor iya zama da muhimmanci cikin sharuddan hulda, misali, tare da Babban Bankin da kuma kasashen waje kudi cibiyoyin.

Ci da kuma reorganization

Kamar yadda muka gani a sama, a shekara ta 2001, "Delta Credit," jinginar gida banki, ya fara aiki a cikin kasar. Yana da alaka da cewa sha na da tsarin da babban birnin kasar na waje-banki kudi ma'aikata - JP Morgan. 4 Bayan shekaru DeltaCredit hannun jari da aka cikakken samu ta kudi kungiyar "Societe Generale". A cewar wasu manazarta, shi ne mai ci na banki da most Turai player da kasuwar sun fi mayar da qaddara DeltaCredit aiki fadada a kan Rasha jinginar gida kasuwa. A zubar da tsarin da wani gagarumin yawan albarkatun, "Societe Generale", da kwarewa na gudanar da tattaunawa tare da manyan 'yan wasa kudi a Turai.

Na dogon lokaci bashi ma'aikata gudana a matsayin CJSC "Delta Credit". A banki, duk da haka, zai yi kawo ta sunan cikin layi tare da wasu canje-canje a cikin RF dokokin. Gaskiyar cewa irin siffofin kasuwanci a matsayin Company da kuma OJSC yanzu soke. Yanzu, idan daya ko sauran kungiyar, ciki har da bankuna, yana aiki ta bayarwa hannun jari, da sunan iya kawai sauti kamar SA.

A banki da kuma kasuwar

A kasuwannin jingina, a Rasha an girma steadily a karshe 'yan shekaru. Alal misali, a 2013, kudaden shiga a cikin wannan sashi ya karu da fiye da 31% idan aka kwatanta da shekara ta 2012 Figures. A total girma na rance ya wuce 1.35 tiriliyan. rubles, da adadin bashin -. fiye da 800 dubu raka'a .. Bugu da kari, da dama ki ƙara da m rance - domin shi amounted zuwa 2,04% da karshen shekarar 2013.

Manazarta "Delta Credit" sa ran cewa, a karshen shekarar 2014, cikin kasuwannin jingina, a Rasha za su yi girma ta game da 15%, a cikin darajar sharuddan, ta girma za su wuce 1.5 tiriliyan. goga. Musamman aiki da ake sa ran girma a cikin kashi na sabon gine-gine - alaka kuzarin kawo cikas a matsayin bankin masana yi imani, zai zama 35%. Wannan kashi zai zama daya daga cikin muhimman hanyoyin da na jinginar gida kasuwar a Rasha. Kuma ba kawai saboda mafi girma, a lokuta da dama, sabon gida sayan kyawawa a kwatanta da sakandare. Gaskiyar cewa Russia ake la'akari da zuba jari a sabon gine-gine a matsayin wata hanya ajiye tanadi a cikin bangare na sayen ikon. Ruble - da kudin ne babu daban-daban a cikin latest barga lokaci. Duk da yake da dukiya kasuwar matsayin dukan halin da harkokin ci gaba. Zuba jari a sabon gine-gine - wani m hange domin da yawa mazauna Rasha Federation.

A lokaci guda, a wasu yankuna, bukatar da aka ma lura a cikin "sakandare gidaje." Gaskiyar cewa iyalai da dama jin bukatar matsawa zuwa cikin sabon gidajensu tun da wuri. Bã su da wani lokacin da za a jira gama ginin flats, kuma ma fiye da haka a lokaci guda biya jinginar gida. Bugu da kari, da yawa Russia suna sayen Apartments ba sosai domin rayuwa a cikin su ba, kuma m haya da kuma hira cikin wani ruwa kadara. A saboda wannan dalili, saya wani sabon ginin ba lallai ba ne: shi ne zai yiwu su zuba jari a wani ingancin Apartment a mai kyau yanki na birnin, har ma idan an gabatar a sakandare gidaje kashi.

cibiyar sadarwa tsarin

"Delta Credit" - a jinginar gida banki, wanda aiki a Rasha, duka biyu cikin da kansa cibiyar sadarwa na ofisoshin da kuma keke abokin tashoshi. Yanzu wannan kudi ma'aikata - daga cikin shugabannin cikin sharuddan jinginar gida rance, kuma a cikin da yawa hanyoyi wannan matsayi, masana sun ce, bankin ne saboda da gine tasiri tsarin na hulda da sauran kungiyoyi da suke aiki a cikin kashi.

"Delta Credit" - wani reshe na bankin da aka wakilta, a manyan birane na Rasha: Moscow (St. Moss, 7.), St. Petersburg (Nevsky Prospect, 114-116), Kazan (Ostrowski, 87). Bi da bi, da cinikayya tsarin ne ba a mafi yankuna.

The ayyuka na "Delta Credit" a Figures

The mai nauyi talakawan kudi a kan jinginar gida rance a cikin "Delta Credit" ya dogara da yankin na banki. A Nizhny Novgorod, misali, a 2013, shi ya 12.4% a RUR (wanda shi ne dan kadan fiye da a shekara ta 2012) da kuma 9.6% a cikin kudin kasashen waje (wanda, bi da bi, ƙananan fiye da a baya shekara) . Saboda gaskiya cewa a shekarar 2014 Babban Bankin ya karu da key sha'awa kudi, masana zata kara girma a cikin Game da rance yanayi miƙa ta Rasha bankuna. "Delta Credit" shi ne wata ila ya zama ba togiya game da wannan Trend.

A talakawan size of jinginar gida rance a cikin "Delta Credit" - da Manuniya cewa suna sosai dogara a kan banki ta gaban a yankin. Idan muka kuma dauki misali, Nizhny Novgorod, daidai adadi a 2013 ya game da miliyan 1. 357 dubu. Rub. A kan talakawan a Rasha - a little more, game da 1,64 miliyan rubles .. Hakika, da lambobin zai zama quite daban-daban idan mayar da hankali daga cikin mafi girma Rasha birane, inda akwai wani banki "Delta Credit" - Moscow. Amma wani wasan kwaikwayon - zuwa babban birnin kasar, ko kuma zuwa Nizhny Novgorod - isa ya bayar da wani Schematic misali na ƙarfafa muhimmancin kasuwar: hanya daya ko wani saboda na halitta mazauni kumbura Figures zai kara.

Loan shirye-shirye

"Delta Credit" yayi Rasha jama'a da dama sananne jinginar gida shirye-shirye. A yanayi a karkashin wanda wannan kudi ma'aikata yayi don en gida rance, su ne kullum m tare da bada shawarwari na sauran kasuwar shugabannin. Idan wasu daga cikin aro shirye-shirye da babban fare, shi ne yawanci biya diyya ta rage bukatun ga bashi.

Daga cikin mafi mashahuri siffofin cewa faye hali banki "Delta Credit" - jinginar gidaje da shi sun fi mayar da monetary. Loan kayayyakin da irin miƙa ta da kungiyar, kamar yadda mai mulkin, an halin da low kudi. Amma a lokaci guda tare da wani gagarumin depreciation na ruble bashi iya yi wahala tare da biyan bashin.

Kamar yadda bayanai a yawan jama'a kafofin, da sauran adadin kudin kasashen waje jinginar gida rance a Rasha ne suna fadin - game da 0.3% na jimlar basussukan. Saboda da rashin zaman lafiya da kudi kasuwanni na Rasha Federation jinginar gidaje shahararsa a cikin kudin ne iya zama low a cikin shekaru masu zuwa.

Akwai "Delta Credit" m tayi wanda aka kera da bukatun matasa iyalai. Akwai kuma bayanai game da shirye-shirye da samar da wani sosai low kudi ga Rasha kasuwar - 9,75%. Akwai yanayi tayin na banki, kazalika da daban-daban iri hannun jari, tare da bada shawarwari sami rancen karkashin saukar da rates.

Nau'in na mahalli, wanda da bashi iya saya "Delta Credit" iri-iri. Sayan dukiya a matsayin dukan ko a installments. Sayi a bashi iya zama Apartments, da dakuna, gidaje.

A wasu yankuna, gaban "Delta Credit" ne banki kayayyakin, saba bincika da borrower da adadin da ake bukata domin a saukar da biyan bashin a kan wani jinginar gida. Yana yiwuwa a yi amfani da, kamar yadda yake a sauran bankunan, da iyaye babban birnin kasar a matsayin tushen da kudi a lokacin da sayen wani gida.

Hulda da abokan ciniki

Daya daga cikin bukatun na kasuwar, abin da ya kamata dace da duk wani zamani (ciki har da "Delta Credit"), Bankin - abokin ciniki reviews kamata ko ta yaya a tare da feedback daga mafi-banki kudi ma'aikata. A cikin hali na banki kafin mu, ba za mu iya gyara mai ban sha'awa model ga aiwatar da dacewa cibiyoyin ga wannan rarrabẽwa. A musamman, wannan tsarin, wanda zai iya barin duka biyu online da kuma offline martani. "Delta Credit" - banki cewa yayi abokan ciniki bar ra'ayin ku a cikin nau'i na kimomi a kan takarda siffofin a cikin ofisoshin, kazalika ta hanyar hulda da masu amfani da hanyar online tashoshi. Mene ne ƙayyadaddu na biyu shugabanci na aikin?

Dubawa da mai rumfa al'umma (hadedde tare da feedback form) da aka saka a cikin widget a kan home page na banki shafin. Customers kudi kungiyoyin, yin amfani da su zai iya barin su comments. "Delta Credit" - wani banki da cewa an aikata, da farko, kuma farkon, to gaskiya. A matakin na moderation a cikin al'umma shi ne kadan. Wannan ne, idan matsalar shi ne hakikanin, shi ba shiru da banki. Daga mai fasaha ra'ayi, da hulda tsakanin "DeltaCredit" da kuma abokan ciniki aiwatar isasshe m.

Mene ne manyan al'amurra a cikin wannan shugabanci, wanda kayyade ta "Delta Credit"? Bankin (sake bitar da ma'aikatan alhakin hulda da abokan ciniki online tabbatar da wannan) sun fi mayar da hankali akan yadda za a kusanci da mafita daga cikin matsalolin da na yanzu, ko yuwuwar bashi da wani girmamawa a kan sarrafawa na. Watau management shawarwari ba iyakance ga wasu na kowa phrases: matsayin mai mulkin, yana da za'ayi da ya inganta abokin ciniki tattaunawa tare da wakilan da banki a wani musamman yanki, ko birnin. Alal misali, idan wani musamman tambaya ya tambaye wani mazaunin St. Petersburg da kuma makwabtaka da garin, shi ne wata ila cewa amsar za a ba dangane da halaye na kauye, inda shi aiki "Delta Credit Bank" - St. Petersburg, ko wani daga cikin birni na Leningrad yankin. Wannan halayyar da hulda da tsarin na bashi da kudi ma'aikata da abokan ciniki suna sha'awar da kwararru da yawa da kuma bashi, da barin feedback da comments on dauke online portal ko thematic albarkatu.

Da yawa da hankali "Delta Credit" biya zuwa horar da ma'aikatansu m don sadarwa tare da abokan ciniki. A bankin masana suna yin saiti zuwa hul] a da masu amfani da cikin sharuddan da samuwar jama'a bayanai tushe, iya jawo wasu bashi. A wannan yanayi, zai iya zama wani alhẽri - ciki har da korau - feedback. "Delta Credit" - wani banki da za a iya, warware matsaloli real halin yanzu abokan ciniki, ƙirƙirar m image a cikin idanu na bashi. Jama'a bayanai a kan feedback portal Bank kwaikwaiyo, bisa ga masana, da muhimmiyar rawa a jawo sabon bashi. Idan, misali, mai amfani sha'awa a cikin jinginar gida "Delta Credit" banki reviews da kuma buƙatun na yanzu masu amfani da wadannan kudi ayyuka ga akayi portal iya zama da babban yanke shawara factor a cikin ni'imar sarrafa aro aka dauke a cikin bashi da kudi tsarin.

Aiki "online"

Ta yaya aiki tare da abokan ciniki a "online" Yanayin, Bankin gudanar a yi? Wasu Majiyoyi, misali, cewa a sadarwa da abokan ciniki via da yanar-gizo ma'aikata 'yan dozin masana "Delta Credit". Babban girma na aikin da aka yi da banki ta kasuwanci sashen, kazalika da gawarwakin da alhakin fasaha matsayi na abokin ciniki buƙatun. Har aka rayayye da tanadin mabukaci da sabis na bankin ta hanyar online tashoshi, kazalika da ingancin matsalar warwarewa - cikin abubuwan da kai tsaye shafi wasan kwaikwayon Manuniya na banki ma'aikata a cikin dacewa yankunan aiki.

"Delta Credit" - banki abokin ciniki feedback wanda na samu a kan Internet, ga m ma'aikatan dacewa sassan. A musamman request ne niyya manufa mahaluži. Yana da quite yiwu, misali, cewa abokin ciniki za su iya amsa wata tambaya daga wani talakawa ma'aikaci na marketing sashen. Idan wani gwani shakka, shi gaba bukatar ka duba. Idan, bi da bi, za su bukatar sa hannu na sauran sassan na banki - da tambaya ne directed zuwa gare su. Da zarar wani m amsar za a shirya, ya yi sharhi a kan littafin na "Delta Credit" a cikin online al'umma.

Hakika, akwai wani karin "daidaita" ga kasuwar share, wanda yayi wani "Delta Credit Bank": "My Account" abokin ciniki. Yana borrower iya samun cikakken bayani game da polzuemyh kayayyakin, sa buƙatun a cikin goyon bayan abokin ciniki sabis na bankin, don gudanar da wasu ma'amaloli da kuma biya. A cewar kwararru da yawa sun kiyasta wannan irin kayan aiki da yayi "Delta Credit Bank", "Private ofishin" abokin ciniki sabis na kudi ma'aikata - isasshe dace da amfani da kayan aiki.

Abokin ciniki Reviews: statistics

Mene ne m sakamakon hadin gwiwa tare da bankin abokan ciniki via da Internet? Daya zai iya buga Figures, da aka buga a wata yawan kafofin. Daga Fabrairu zuwa Agusta 2014, misali, a cikin wani "mai rumfa" al'umma banki "Delta Credit" Ya halitta fiye da 700 musamman jigogi qaddamar da abokan ciniki. Akwai fiye da 1 da dubu. Comments. Lokacin daidai wannan lokacin da al'umma da aka ziyarci ta kan 43 dubu. Unique masu amfani. Number of ra'ayoyi na portal wuce 329 dubu. Interface zažužžukan sun hada da al'umma, da kara ta'aziyya na amfani hanya. A musamman, a lokacin da abokin ciniki fara rubuta reviews ko magani ne da za'ayi autosubstitution formulations bisa bayanai daga search engine a cikin halin yanzu ilmi tushe. Saboda wannan, mutumin da ya rubuta wani request ga banki, ya bayyana jigon da matsalar shi ne ya fi daidai da high yiwuwa, kuma a lokuta da dama gaba daya shirye sami amsar tambaya. Alal misali, idan wani mutum ne sha'awar wani abu inda "Delta Credit Bank" adireshin a cikin Moscow, ko St. Petersburg, wannan kudi tsarin, yana da dukan damar samun dama bayanai a data kasance database.

Statistics da aka buga a wata yawan kafofin nuna cewa game da 70% na banki ta abokan ciniki warware matsaloli ci karo ba tare da kiran da taimako tebur. Wannan ne, sami amsoshi a cikin riga ya kafa database.

Wani mai ban sha'awa siffa daga cikin "Delta Credit" rumfa feedback tsarin - shi yana da fadi da kewayon zaɓuɓɓuka saboda sadarwa a tsakanin banki ta abokan ciniki (da ba kawai da ma'aikata na bashi ma'aikata). Kamar yadda muka gani a cikin yawan kafofin, game da 12% na queries posted by masu amfani da sabis na bankin, "rufe" saboda da comments na sauran abokan ciniki.

bashi 'kima sunadaran

Kamar yadda muka ce, kashi, wanda ya ƙware a cikin banki "Delta Credit" - a jinginar gida. Tun da format na aiki ya shafi tsawon lokaci hadin gwiwa tare da abokin ciniki, ta solvency kima sharudda dole ne daidaita. Wancan ne, a hannu daya, Bankin ya kamata ba da damar a bayar da rance ga bashi da m kafofin samun kudin shiga da kuma yiwuwar unprepared ga m kudi da'a. A gefe - stricter sharudda kamata ba tsokana a nawa don aiki tare da m abokin ciniki-banki kudi ma'aikata.

Bankin "Delta Credit", aiki a karkashin shugabanci na rayayye inganta nasu bashi cin kwallo tsarin. A cikin 'yan shekarun nan, da girmamawa a nan aka sanya a kan aiwatar da aiki da kai. A karshe yanke shawara a kan aro har yanzu daukan mutane, amma a zubar da wani multifactorial da dama a wani rahoto cewa nazarin abokin ciniki ta solvency, nemi wani jinginar gida an saita fita a isa daki-daki. Daya daga wadannan mafita, misali, ya shafi wani samfurin, wanda ya zama sakamakon da juna hadewa da CRM-kayayyaki da kuma hikimar tantance tsarin kawota ta banki da aka sani brands Microsoft matakin, kazalika da nasu databases "Delta Credit" da kuma waɗanda aka bayar da abokin kungiyoyi.

Automating aiwatar da yanke shawara a kan aikace-aikace da zai iya ƙara overall yawan aiki na aro da jami'an na banki, rage Associated aiki ta halin kaka, inganta ta'aziyya daga cikin abokan ciniki da kansu, wanda ba su da tsawo to jira sakamakon da shawara na questionnaires. Lura cewa albarkatun da wasu daga cikin bashi cin kwallo tsarin iya taimaka da kuma abokan "Delta Credit Bank". Aikace-aikace da abokan ciniki kuma za a iya bincikar a cikin tsarin na sarrafa kansa lissafi mai tsauri.

sarrafa kansa tsarin aiki

Matsayin mai mulkin, tsarin Game da IT-kayayyakin ya shafi wani bincike a cikin hanyoyi biyu - kai tsaye bayanai game da borrower da kuma kai tsaye ba bayani game da shi. Alal misali, a karkashin farko wani zaɓi za a iya karatu ta hanyar da bashi tarihi na wani dan kasa na sarrafa kansa handling na shirin a cikin dace ofishin ko wani dacewa database. Wannan irin request, yawanci aikin CRM-tsarin (as guda aikin ɓangare na samfurin). Kaikaitaccen bayanai game da borrower - a gwada sabon Trend in underwriting shagaltar da ta Rasha bankuna. Daga cikin kafofin cewa za a hannu a cikin wannan harka - statistics biya ayyuka, da samuwan fice tarar, bayanai daga social networks, geolocation bayanai yanayi. Dukan waɗannan zaɓuɓɓuka, "Delta Credit" iya amfani da su a sarrafa kansa tsarin kima solvency na bashi.