"Finance da kuma Credit": matsaloli. Reviews na banki abokan ciniki

"Finance da kuma Credit" yana fuskantar matsaloli na dogon lokaci. A baya can, ya kasance daya daga cikin mafi girma a bankuna, da kuma a yau ya kusan tafi sauka a tarihi. Matsalar shi ne cewa jihar ta ki su goyi bayan aikin kudi cibiyoyin. Kuma Mr. Zhevago ne mafi sha'awar yi dogon bace. Brilliant labarin giant na kudi kasuwa, wanda ya fara a shekara ta 1990, kusan ya zo karshe a cikin kaka na shekara ta 2014.

Patrimony, ko yaya ya yi da Empire Zhevago

Sashen "Finance da kuma Credit" a shekara da suka wuce ya samu nasarar yi aiki a kan ƙasa na Ukraine, bauta wa dubban high quality-abokan ciniki. A tarihin na kudi kasuwa Refayawa suka fara a shekarar 1990, a lokacin da jihar Bank of Tarayyar Soviet rajista da kamfanin a matsayin "Ukrainian Commercial Bank of Business hadin". A sabon masu na ma'aikata ba kudi ma'aikata wani sabon suna a cikin shekaru 90. A fuskar sabon kafa yayin da wakilan da Ukrainian "m bakwai":

• Medvedchuk.
• Surkis 'yan'uwa.
• B. Zgurskaya.
• Yuri Karpenko.
• B. Gubsky.
• Yu Lyakh.

Sun kasance sũ ne sha'awar wannan tambaya na inda a saka su kudi don kula da cewa da suka samu, da shan kashi a cikin mafi girma na karshe kudi dala kira "Ometa 21". Wannan abin da ya zo da aka sani a ko'ina cikin kasar, "Finance da kuma Credit", da shugaban wanda aka yanke shawarar sa Konstantin Zhevago, yayin da har yanzu kawai dalibi.

Footwork

Daga farko minti na wanzuwar wani updated version na banki kansa ya fara daukar mataki, ta amfani da m tsarin kula da gudanar da manyan sikelin-kudi tsarin. Yau da banki, "Finance da kuma Credit" - fatara, da kuma a baya ya kasance mai kauri mai saye-doroguschih hannun jari da kuma hadarurruka, a wani m iri-iri na Ukrainian kamfanoni. Management of cibiyoyin iya jawo hankalin kasashen waje babban birnin kasar. Mafi shahara jari ya I. Buckeye, wanda ya yi gagarumin taimako ga canji na cikin gida cibiyoyin a cikin mini-Switzerland. A kan kudi tsarin da asusun zamani gudunmawar da abokan hamayyar siyasa, da kuma masana'antu kungiyoyin, da kuma laifi da kuma Semi-laifi Tsarin. Duk da rashin aiki na cibiyoyin a cikin jama'a Sphere, da m hannu a cikin Inter-banki cinikayya da kuma m rance ga mutane, ya iya zama ko da yaushe high a kan ranking na NBU. Game da banki "Finances kuma Credit", matsaloli wanda ya fara gwada da kwanan nan, har da fatarar da wani mummunan sake dubawa kuma kalamai.

A farko matsaloli

Tare da na farko matsaloli da fuskantar da manyan cibiyoyin kudin a karo na biyu da rabi na 2008. A lokacin da wannan lokaci a Ukraine ya birgima kalaman na rikicin. A wannan lokaci, da banki, "Finance da kuma Credit" a karkashin shiryarwar Zhevago ya juya a cikin wani hali kasuwanci tsarin, wanda bauta wa kungiyar Shugaba. Yana hada da babu kasa da 60 da kamfanoni da Enterprises. Yana da wadannan kungiyoyi Zhevago, kuma suka kasance da babban amfani da bankin abokan ciniki, da kuma samun su a mafi m amfani rates da kuma m sharuddan. Yana iya bayyana cewa, bankin "Finances kuma Credit" (ya fashe kusan kawai a 2014), sai suka tafi a kan ga sane hadarin jeopardizing kwaikwayon na da wajibai zuwa abokan ciniki. A 2008, da yawa kudi cibiyoyin sun fuskanci matsaloli, amma ba mutane da yawa sun samu taimakon kudi daga National Bank. Yana da matukar ban sha'awa da cewa zaki ya share na babban birnin kasar bayar an samu nasarar ciyar a kan hasashe a cikin kasashen waje musayar kasuwa.

Fatal 2009: The karshe bege

Spring of 2009 shi m ga banki. Yana duk fara da matsaloli a irin kamfanonin matsayin "AvtoKrAZ" ya tsaya samarwa a lokacin da ba kasa da watanni shida, da kuma "Kyivmedpreparat", wanda ya defaulted a kan irin fasaha batun shaidu cewa wa'adi da real tsoho. Matsalolin sun kuma a kan "Stakhanov Wagon Company", wanda ya kasa samun umarni ga shekara ta 2009. Duk wadannan kamfanonin aka mallakar Zhevago. By wani m daidaituwa, a kan gãɓar rãmi mai default a lokacin, kuma shi ne banki "Finances kuma Credit", wanda sashen ya samu nasarar yi aiki cikin Ukraine.

Wanda bashin da banki?

A kudi ma'aikata ta kasa dawo da kudi, ba kawai ga mutane, amma kuma a bashi na 70 da dala miliyan, wanda ya dauki daga Tsarin kamar Raiffeisen Zentralbank, Standard Bank da kuma "VTB Bank". The Bank bai iya biya ko da sha'awa a kan basussuka. A aro fayil na lokaci hada da kimanin 35% na jinginar gida rance, wanda shi game 4,85 biliyan hryvnia. A wani rikicin, tsarivshem yayin wannan category na bashin da aka atomatik canjawa wuri a cikin category na m. Bankin masana kiyasta halin da ake ciki da kuma sanar da cewa ya kula da ma'aikata da ninkaya da shi na bukatar kapitalovlivany na $ 5.5 biliyan hryvnia.

Workaround matsaloli

Management na banki, "Finance da kuma Credit" (Kiev) a cikin Maris 2009, da ke sa a yanke shawara a wani matsanancin taron neman taimako daga jihar. Idan muka yi la'akari da cewa iko da majalisarsa, a layi daya ya mataimakin daga BYuT da jam'iyyar da aka yi, da most tallafa wannan naúrar, da shawarar da majalisar ministocin kasar da aka ba kawai m amma kuma sosai m. Saboda haka, "Finance da kuma Credit" banki, wanda matsaloli ba mãsu bãyar da bãya, ya shiga cikin jerin bakwai kudi cibiyoyin a cikin Ukraine, wanda ake da manyan bakake da Jihar kasafin kudin. Mun zana da hankali ga gaskiyar cewa kudi da zai iya taimakawa magance matsalar tare da biyan ajiyar da adibas, aka kange a wata daban-daban shugabanci. Yau, "Finance da kuma Credit" Bank rufe a kan filaye da cewa a cikin wani rikicin-free kudi, da kuma shi ne game da miliyan 300 hryvnia, aka sa a kan bashi "AvtoKrAZ" da "Kherson Cardan Shafts Shuka". aro lokaci ne 63 months at 14% annum, a lokacin da kasuwar ya da talakawan kudi a cikin kewayon 26,4%.

Cinikai tare da gwamnatin da ba daidai ba yanke shawara

Bayan shigar da bank account na kudi daga gwamnati, fara wani real gwanjo. A majalisar ministocin da aka rayayye wuya daga kowane daga cikin cibiyoyin na zuwa bakwai sa'a to sabunta jihar game da 75% na hannun jari. Kuma ko da an bukaci tare da girmamawa ga banki, "Finance da kuma Credit" rikon gwamnatin maye gurbin data kasance shiriya ga up to 12 months. kudi tsarin gudanarwa, ya amince ya canza wurin da duka na 50% na hannun jari da kuma ba da izni ga gabatarwar ma'aikatan kulawa da curator.

Ƙin na jihar taimakon

jihar goyon bayan ƙare lokacin da recapitalization tsari ya zama wani lebur format. A banki ta management gaba daya ƙi wani taimako daga gwamnati. Bayan da National Bank of Ukraine ya kasaftawa game da biliyan 2.5 hryvnia ya kula da ma'aikata ta tsarin, Zhevago ce cewa zai ci gaba da jimre da matsaloli. A sakamakon irin wannan m yanke shawara shi ne gazawar da kudi cibiyoyin don gudanar da wani abokin ciniki biya, gazawar koma adibas to mutane ga wanda da sharuddan sun gama aiki. Very ban sha'awa shi ne gaskiya cewa banki "Finances kuma Credit", matsalar aka ƙara tsokani jagoranci da kanta, shi ya ci gaba da tura duk samuwa kudi a matsayin rance ga kamfanonin Zhevago lissafi. Wannan ci gaban, wanda an riga an yayata, Firaministan zuwa da fushin da jama'a, da kuma zai iya haifar da taro tashin da zanga-zangar. A lokacin da ya faru na matsalolin kudi ma'aikata hidima game da 119 dubu na lokaci adibas da kuma na yanzu asusun na game da 217.

Hattara, scammers

Yau da yawa magana game da gaskiyar cewa banki "Finances kuma Credit" - fatara, amma wannan ba ya daina tsarin. In mun gwada manyan talla yakin da aka kaddamar kwanan nan, a cikin abin da mutane da yawa suka yi ĩmãni. Gudunmawar inganta "Big Bakwai" da kyau amfani rates. M, amma saboda wasu dalilai haye a shirun da cewa da farkon na shekara ta 2015 da bankin da yawa sassan (a kalla 80), suka daina wanzuwa. Yana da aka dage farawa kashe akalla 20% na ma'aikatan. Mataimakin shugaban ma'aikata na da imprudence zuwa ce a fili cewa kamfanin yana fuskantar kudi matsaloli da kuma asarar da kan lokaci zai kawai kara. A kalla ya kamata sun tuntubi gwamnatin Ukraine.

Abin da yi masu zuba jari da kuma abokan ciniki

Abokan ciniki da kuma ajiyar na banki, lokaci adibas wanda ya ƙare a 2015, ba zai iya samun hannuwanku a kan kudi. Arbitrariness auku a da yawa ofisoshin. Ma'aikata na banki "Finances kuma Credit", da rikon gwamnati wadda ba a shiga, gudanar da wani zaman kanta rollover adibas. Idan ranar karewa na baya ya ruwaito ajiya a gaba, a yau shi ne ba su aikata. Duk da samuwar kudi a akwatin ofishin, a hannu daya da kudi ba ya bayar. Farin ciki da murna zuba jari - wadanda suka gudanar don samun a kalla 20% na ta bayar. Mass fushi ba ya canja halin da ake ciki. Daga cikin wadanda akwai guda iyaye mata da kuma nakasassu, da kuma talakawa dalibai. Wannan ba ya shafar gaskiyar da ba-biyan bashin. A wasu sassan akwai tsaro, wanda ya cire daga gabatarwa na banki abokan ciniki rayayye wuya su kudi. A baya can, yi aka ba amfani.

All ba a rasa, akwai kananan damar

Duk da cewa bankin bai cika da wajibai zuwa abokan ciniki, ta management ta ci gaba da daukar matakan aiki domin recapitalization. A wani taron Maris 23 yanke shawarar kara da izini babban birnin kasar na cibiyoyin ta hanyar da bayar hannun jari na banki a adadin 616.4 miliyan hryvnia. Duk da yake cikin banki "Finances kuma Credit" ba karshe fashe, da kuma kadan bege shi ne har yanzu akwai. A farko m da hannun jari a kasuwar kawo da 22% na izini babban birnin kasar (3.4164 biliyan hryvnia). A hannun jeri 'taron da aka shirya domin Afrilu 27, 2015. Yana za a hukumance tallied da kuma sanar da sakamakon da 2014. Yana zai la'akari da maimaitawa na gwamnatin na'ura. Kamar yadda na farko kimomi shi ne "Finance da kuma Credit" - Bank (Kharkiv reshe hada), wanda a nan gaba za su sami taimako daga kayyadewa a cikin adadin miliyan 700 hryvnia, wanda ya taimaka don cika duk wajibai zuwa ajiyar. A yanke shawara ne saboda gaskiyar cewa kudi tsarin da aka mayar da hankali 4% na dukkan ajiya a banki a Ukraine da kuma 2% na kasar ta dukiya. The sosai guda bashi ma'aikata nasa ne da farko category.

Abin da zai iya tsoma baki tare da m shirin?

Shakka ce cewa Bank "Finance da kuma Credit" da aka rufe, ba da damar gaskiyar mataki da masu hannun jeri. A wannan yanayin, akwai wani ban sha'awa aya, wanda za a iya shafe duk wani m management tsare-tsaren. Kamfanin Cargill yi kira ga Kotun Jihar New York tare da wani request don toshe da wakilinmu asusun. A fatawar da aka sanya nan da nan har karshen shari'a aikace-aikace. Bashi na 44 da dala miliyan yau rataye a kan tsarin da "Finance da kuma Credit". Bankin (Kharkov, Kiev da sauran sassan) ya yi alkawarin yi da sake fasalin kudin da bashi. Guide ya nace cewa shi ba ya ki cika su wajibai zuwa babu wanda yake binsa bashi. An samarwa da za su gudanar da tattaunawa a domin warware wannan matsala. Ta yaya za watsa halin da ake ciki m, shi ba a san, masu zuba jari za su iya kawai jira da kuma fatan da mafi kyaun. Masana suke yiwuwa ga korau kintace, ba sarauta daga yiwuwar karbo daga cikin kudi tsarin da protracted rikicin da jimlar biyan gudummuwa ga kowane daga cikin abokan ciniki.