"Summer Bank": reviews. OJSC "Bank of Summer." "Summer Bank" - a tsabar kudi aro

OJSC "Bank of Summer" - mai na biyu na VTB 24, aiki a cikin taro mabukaci lamuntawa kashi. The Bank buga m bukatun for bashi, miƙa mai fadi da kewayon samfurori da kuma ayyuka.

labarin

A shekarar 1990, akwai wani bashi ma'aikata "Bezhitsa-Bank" a Bryansk. Da ayyuka suna amfani da most Enterprises a cikin birni, a hankali ta fara samar da jinginar gida kasuwar da kuma mabukaci rance. A shekarar 2005, ya mallaki kudi da kungiyar ta shiga Tarayya Property Management Agency, da kuma a shekara ta 2006 - da Bank of Moscow, wanda har shekara uku ya karu da rabo a sama 95%. A shekarar 2011, Metropolitan kudi ma'aikata da aka tunawa da VTB Group, kuma tun sa'an nan ne ta na biyu.

A watan Afrilu na shekarar 2012, kusan 100% na hannun jari (a sosai karamin sashi zauna tare da 'yan tsirarun m) "Bezhitsa-Bank" riga mallakar VTB 24, da kuma shugaban hukumar ya Dmitry Rudenko, da mataimakin shugaban "Rasha Standard". Ya yi wani gagarumin kwarewa a cikin mabukaci lamuntawa kasuwar (ciki har da ci gaban da quite sabon for Rasha POS-rance - a wuraren sayarwa a lokacin da sayen kaya). A babban jami'in gudanarwa na kudi tsarin da ya hada da sauran manyan manajoji "Rasha Standard". A watan Oktoba na shekarar 2012, "Bezhitsa Bank" da aka gudanar renaming da rebranding, canza sunan. Saboda haka akwai wani "Summer Bank", Moscow ya zama birni, inda shugaban ofishin na kungiyar.

Business Model

Yanzu "Summer Bank" - wani ma'aikata da cewa ya ƙware a da ake kira taro kiri kashi na mabukaci kasuwar. Daga cikin babban kayayyakin - a bayar da rance a m siffar (ciki har da via aikace-aikace a cikin kiri sarƙoƙi), tsabar kudi, ko da katin. Fadin kasar, ya bude mai yawa bashi da kudi ofisoshin, wani sabon kasa iri - "Summer Bank", reviews daga waxanda suke da samuwa a duk thematic online portals. Tarihi, na farko kasuwanci da kungiyoyin da suka sanya hannu kan wata yarjejeniya tare da haɗin gwiwa da "ya" VTB 24 ya zama DNS cibiyar sadarwa (tallace-tallace m) da kuma "Elmeh" (sayarwa na Jawo). Credit Shirin "Bank of Summer" an tsara don ka sauƙaƙe sayan kaya da kuma ayyuka ga mutane da low biyan damar (ko iyakance a lokacin saye). Bayar da rance ne musamman Sauki - kana bukatar wani m na takardu, da hukuncin da aka dauka da sauri. Amma wannan kasuwanci model aka underpinned da wani sosai high-hadarurruka - akalla 29.9% annum (game da POS-rance da kuma mota bashin).

A tsarin da dukiya da kuma manyan al'amurra

Duk da m Yunƙurin a shahararsa a cikin kasar, "Summer Bank", a gaskiya, ya zauna cikin "farawa". A tsarin da wajibobi da ma'aikata da aka wakilta kawai wani na ciki kasafin kudin, da dukiya - a cikin irin rikice-bashin bankuna, kamfanoni asusun a kan wani kwazo asusu tare da Babban Bankin kasar Rasha. Game da rabi na dukiya da "Bank of Summer" ne da hannu a cikin kudi na kayayyakin more rayuwa, da bude sabon ofishin a kasar, tabbatar da matakai na bayanai. Ta hanyar tasiri zuba jari banki da ke cikin for quite wani gajeren lokaci domin samun tabbaci ga abokan ciniki. Yana da wani matasa, amma tabbatar da nasara kudi ma'aikata yayi wani m kudi na amfani bashi da mai kyau matakin na sabis, da goyan bayan Ƙwararren ma'aikaci. A manufa rukuni na bashi "Bank of Summer" - wani aure mazaunin na Rasha Federation batun da administrative cibiyar na 20 dubu rubles, samun kudin shiga da kuma aiki a kananan kungiya. Institution fa, tã da hankali ga maimaita abokan ciniki, miƙa su a m zaɓi.

tsabar kudi rance

Lokacin da ya haifar da wani sabon iri a fuskar "Summer Bank", da gudanar da VTB 24 shirya su mayar da hankali kan aikin da ma'aikata a cikin wadanda segments inda iyaye kamfanin ba gudanar da ayyukan - wani sashi na taro ayyuka ga al'ummar jihar. Saboda haka, yanayi na bayar da rance a sabon banki da yawa Sauki. Flagship banki samfurin iri "Summer Bank" - a matsayin aro a tsabar kudi. Kamar yadda mai mulkin, shi ne kar rance "Summer-Money", a cikin abin da yanke shawara aka sanya a cikin 'yan mintuna (da ya fi girma da adadin - da ya fi tsayi). Borrower bukatar ya nuna ne kawai a fasfo (idan adadin zuwa dubu 100, idan more -. Ake bukata da kuma sauran takardu).

A kudi domin wannan samfurin line - 29,9-39,9%, wanda yayi dace da talakawan Figures ga kasuwar. A lokaci guda, "Summer Bank" yayi wani sosai musamman samfurin, wani analogue wadda ake samu a wasu cibiyoyin kudin ba su sau da yawa sosai: mai taushi, rance ga m bashi a kan ainihin kudi na 19,9% annum. Wannan shi ne, a kan kammala biya a kan aro da borrower dawo da bambanci, kamar yadda idan ya aka biya a kayyade yawan. M ko cikakken biya da aka yarda, yin kudi ga asusun da ke a annuity makirci. Akwai m biyan bashin - ta size dogara a kan aro adadin.

ƙarin ayyuka

"Summer Bank", reviews na wanda aka ƙaddara da ingancin ƙarin ayyuka a cikin hanyoyi da dama, na iya bayar da borrower a yawan zabin cikin jituwa da ainihin banki kayayyakin. Daga cikin wadanda, misali, da sabis "rasa biya": abokin ciniki iya hana guda marigayi biya sau ɗaya a shekara, kuma babu takunkumi ga shi ba a bayar (sai dai cewa rance lokaci za ta motsa zuwa wani watan a gaba). An ban sha'awa zaɓi ne zuwa "canza ranar biya ': idan wani mutum ba shi da lokacin da za a yi a Jirgi biyan bashin, shi yana iya jinkirta da kwanan wata na biyan kudi domin kwanaki 15. A sabis Kudinsa 90 rubles.

Akwai sabis "biyan bashin an rage", da barin dama ya canza aro: da zarar lokacin da rance za a iya rage gudunmawar m biya saboda da karuwa a total aro lokaci. Akwai ne "Bank of Summer" da kuma wani samfurin kamar "Insurance Shirin" - kisa da siyasa a taron na matsaloli a biya na basussuka. Service farashin - 0,74% na aro adadin, rubuta-saukar ne daga asusun a kan kowane wata.

Features bashi

"Summer Bank" tsabar kudi rance wanda shi ne samuwa tare da m takardun ne musamman m lamuntawa yanayi. Menene abokin ciniki a cikin kwangila - kuma ya biya wani kananan Buga inscriptions. Inshora a lokacin da ka yi a matsayin aro tayin ne don en son rai, sabanin gasar bankuna, inda aka wani lokacin kallafaffen. Quick yanke shawara a kan aikace-aikace saboda da cikakken tsarin "ya zura kwallo" da kuma kima na solvency. Saboda wannan bashi ma'aikata ba ya bukatar wani babban adadin takardun da kudi sukan bayar a ranar aikace-aikace.

A muhimmanci sosai factor - da ababen more rayuwa, "Bank of Summer" ne hadedde tare da cewa daga cikin VTB 24, don haka da cewa duk ATMs da kuma ofisoshin na karshen ma'aikata - a zubar da "rani" abokan ciniki. A ka'ida, da ikon zuwa sãka bashi fifita - a ofisoshin, ta hanyar da tashoshi, kudi canja wuri tsarin. Har ila yau, "Bank of Summer" tweaked m sadarwa hanyoyin da abokan ciniki: misali, idan kana son ka yi amfani da daya daga cikin ayyuka da cewa an rubuta a sama, shi ne isa ya kira kira cibiyar kafa ba dole ba ne ku je ofishin. Hotline "Bank of Summer" ne ko da yaushe a shirye don tattaunawa tare da bashi.

Comfort ga abokin ciniki

Duk da cewa yin ofishin ciki inuwõyinta suna kusa da sauƙi, kuma friendliness - Trend na kusan duk Rasha bashi kungiyoyin, "Summer Bank" daban-daban "yanayi", ya fito daga sunan da kansa manufar sautunan da zafi, da samar da wani yanayi na ta'aziyya a nasu gabatarwa. Baya mai kyau zane, sosai yarda da kungiyar na bankin ofisoshin: duk cibiyoyin aiki tare da abokan ciniki a wurin aiki kowace rana, akwai biya tashoshi a gare su. Yana janyo hankalin mutane da kuma tabbatacce kalma a cikin suna, wanda yana da wani banki - bazara. Adiresoshin cibiyoyin ana iya samu a mafi birane online taskoki.

Kamar yadda aka ambata a sama, babu kwamitocin da kuma ban sha'awa, za ka iya yin kudi ta hanyar bashi da kayayyakin more rayuwa VTB 24, da abubuwa na wanda aka gabatar a yalwace a mafi birane. A ra'ayi na girmamawa da kuma friendliness to abokan ciniki da kuma jaddada da iri management "Summer Bank". Jadawalin ofisoshin - ba daya kawai, duk da haka, bashi ta'aziyya rarrabẽwa. Don wasu har ɓangare na model na aminci ne biyayya a kimantawa abokin ciniki solvency - a matsayin aro na wannan ma'aikata iya samun fansho da kuma dalibai, ga abin da rabo daga wasu kudi cibiyoyin (ciki har da VTB 24) ne sau da yawa ba mafi dõgara. A mafi muhimmanci amfani, wanda yana da wani "Summer Bank" - aikace-aikace na aro ne dauke sosai da sauri.

Loans ta hanyar ɓangare na uku bankuna

"Summer Bank" kokarin gwaji - musamman, ta hanyar sayar da ta bashi kayayyakin ta hanyar sauran abokin hukumomin. Kamar yadda na musamman kafofin watsa labarai, daya daga cikin wadanda ke da wani banki, "Ku zo!", Wanne riga na samar da rance a kan "tashi" nagartacce kuma yana amfani da software daga cikin "ya" VTB 24. Masana sun yi imani da cewa muna magana ne game da banki kamfani - har yanzu kadan da aka sani a cikin Rasha nau'i na hulda da kudi cibiyoyin. Kungiyar ta management yi imanin cewa, irin wannan hadin gwiwa taimaka wajen bincika kasuwa a cikin yankuna a cikin abin da iri ba tukuna da ofisoshin. Kuma da banki, "Ku zo!" Shi ne ainihin shared tare da wani abokin tarayya sabon abokan ciniki kokarin "fashi" sabon model na da kansa kayayyakin. Akwai tsakanin masana da kuma wani m kima na hulda tsakanin biyu bashi cibiyoyin: da franchisor iya haifar da asarar da dangantaka da image. Sayar da sauran mutane ta kayayyakin na banki iya zama m ga abokan ciniki. Ko da yake, kamar yadda furuci da masana, "Zo!" Ya karbi wani tabbacin hukumar kudaden shiga tare da sifilin bashi hadarin.

nasara cikin sharuddan lambobin

"Summer Bank" rayayye binciko Rasha kasuwar mabukaci rance. Masana sun kiyasta ma'aikata, da ainihin "zakreditovannost" Rasha yawan jama'a a wannan sashi, duk da yawan pessimistic kimomi, ba ya wuce 10%. Farfese m matakin na bata lokaci a cikin kasuwanci model na banki a lokacin kaddamar da aka 15%, amma tare da kyautata na "cin kwallo" inji da underwriting wannan adadi da za a rage zuwa 12% har zuwa karshen shekara ta 2014. A cikin sharuddan daukar ma'aikata "Summer Bank", reviews na abin da ya fita ba kawai bashi amma kuma da ma'aikata, ta mayar da hankali a kan matasa da cewa minimizes da halayyar "churn" kasuwar kashi Frames.

A lokacin 2013, bankin fayil ya girma sau 29 kuma suka daɗa biliyan 1 rubles. Wannan aka hada da biyu aka gyara - tsabar kudi credits da kuma POS-rance (4 da kuma 16 biliyan, bi da bi). Girma da kuma labarin kasa na wurare inda akwai wani iri "Summer Bank" - shiga Rostov-on-Don, Kemerovo, da sauran manyan Rasha birane. By karshen 2014 da bankin management bukata da girma na cikin fayil zuwa dubu 28. Inganta da ababen more rayuwa na kudi ma'aikata ya rage talakawan lokaci na aikace-aikace na aro har zuwa minti 10, sakamakon wani bashi cibiyoyin sun kusan bace daga cikin jerin gwano na bashi jiran mafita. Yana zama mafi m aiki na ma'aikatan - wannan ne mai matukar kyau fahimtar "Summer Bank", wanda sake bitar ma'aikatan kawai ba zai iya zama mummunan saboda da hadewa hulda da daban-daban ƙungiyoyin kungiyar.

kima na borrower

A tsarin na "cin kwallo" da kuma underwriting, "Bank of Summer" - wani mai sarrafa kansa tsarin dangane SAS Credit Jaīrabāwār da SAS Real-Time rarrabẽwa, tsara don yin yanke shawara a real lokaci. Har ila yau, da alaka da wannan tsari da dama bashi ofisoshin. Aiki ne underway a cikin online shugabanci: kimantawa na bashi ya auku ciki har da a kan tushen bayanan martaba a social networks. The Bank kuma ya shirya ya gabatar da wani sabis ne da yake na nazarin borrower ta sirri sadarwa: tare da wanda ya ke saba, abin shekaru da kuma jima'i da mutane kamar yadda suke, bi da bi, hulɗa tare da juna da kuma abin da dole a banki.

Dubawa abokin ciniki a karkashin wannan makirci zai ba da damar, baya daga nazarin zamantakewa profile, domin sanin ko yana gaskiya a lokacin da cika da aikace-aikace. Duk da haka, rawar da mutum a cikin "zura kwallo" da kuma underwriting kwararru sun kiyasta a matsayin babban: babu daya, ko mafi m sarrafa kansa tsarin ba zai iya multifactorial bincika data game da borrower. "Summer Bank", rance aikace-aikace wanda an sake nazari a hade - kamar yadda wani ma'aikaci, da kuma ta atomatik - rike irin wannan ra'ayi.

katunan bashi

Yanzu da samfurin line "Bank Summer" ba katunan bashi, amma farkon yin aiki tare da su da aka shirya domin 2014. Duk da yake kawai bayar da rance a tsabar kudi, amma da kafa management fahimci cewa katin - da dama da kayan aiki kasuwar, wadda za ta kara tallace-tallace. Duk da haka, da katin bashi ne ya zama mai zaman kanta banki samfurin. Management sanar da tsare-tsaren bude wannan layin da dama musamman kafofin watsa labarai. "Summer Bank" katin wanda aka shirya don saki a kan zuba jari a kan wani ɓangare na VTB 24 Ya sanya, bisa ga kasuwar masana, ma'ana mataki.

Unsecured rance da high amfani rates, manazarta ce, zai sami mai kyau karfinsu da "katin" format. Masana harkokin tattalin arziki yi imani da wannan rance kashi ne quite rare a Rasha. Zai yiwu kasuwar "ya" VTB 24 kamata ba ja zuwa karshen shekarar 2014, da kuma kokarin da daban-daban lokaci na shekara - bazara. Adireshin abubuwan inda "bashi" za a iya ba da umarnin, za sa'an nan m abokan ciniki jami'an hukumar da ofisoshin.

POS-rance

Kamar yadda aka ambata a riga, a cikin manual "Summer Bank" aiki mutane, domin shekaru masu yawa tsunduma a POS-lamuntawa: a lokacin da mai saye da store, ba gano isasshen kudi don sayen abubuwan da kuke so, za ka iya sa shi a kananan rance. Market masana yi imani da cewa gasar tsakanin daban-daban kudi cibiyoyin a cikin wannan kashi da aka girma: da kiri kansu ana kiran su zuwa da kantuna wakilai daga bankuna. A borrower iya kwatanta tayi daga dama bashi cibiyoyin, da kuma amfani kai tsaye a duk, sa'an nan za a zabi mafi riba zaɓi. Babban aikin da kasuwar 'yan wasa, ciki har da "Summer Bank" - inganta kimantawa sunadaran, inganta yadda ya dace da ababen more rayuwa. Competition ne high, amma saboda abokin ciniki za su zabi ma'aikata cewa, na farko, ba mafi m mayar da martani ga request. Daidai da muhimmanci ne tabbatacce al'amari na aikin da borrower - idan karshen ba na son wani abu, to, na gaba lokacin da ya za a zabi wani shiri, da kuma wannan yake a fili sane da "Summer Bank". Abokin ciniki Reviews - wato m - taimako zuwa ga nasara kafa da kuma ci gaban da banki kasuwanci.