"A ci gaba da bankin ': Matsaloli (2014). OJSC "Bank of Ci Gaban", Rostov-on-Don

JSC "ROST Bank", ya samu matsalar a farkon shekarar 2014, a wannan lokacin ne mai cin nasara kudi ma'aikata, wanda aka rayayye goyan bayan da m gwamnati. A tsakiyar ofishin na banki dake a cikin ƙasa na Moscow. Branches ne a sassa daban daban na kasar, ciki har da a Rostov-on-Don kuma Orel, Ryazan da Murmansk, Tver da Saratov, da kuma a wasu wurare. A izini babban birnin kasar na Cibiyar ne 2.375.139.760 rubles.

Bari mu koma cikin tarihin

"Bank Ci Gaban" ya bayyana a matsayin nisa baya kamar yadda 1994 da aka sani a lokacin da wani banki "Kazan". A shekara ta 2004, da shari'a form na kudi ma'aikata da aka canza daga LLC zuwa JSC. A shekarar 2013, ta hanyar hadewar bankunan "Ci Gaban" da "Kazan" da aka kafa kudi ma'aikata da aka sani a yau kamar yadda "ci gaban da banki." A lissafi na bashi ma'aikata yau yana da game da 40,000 mutane da 3,000 doka abokai. Yawan mutanen da suka zaba da ma'aikata kamar yadda wani abokin tarayya, aka tsare kara. Credit da kuma kudi kungiyar aiki a karkashin wani janar lasisi na Central Bank of Rasha Federation tare da hurumin da hakkin ya bude rassan a cikin kasar da kuma kasashen waje.

Financial manufofin da manyan al'amurra na banki ma'aikata

JSC "ROST Bank" (matsalar a shekarar 2014, da rashin alheri, sun kasance sosai tsanani) a ko'ina cikin tarihin ta zama a matsayin babban fifiko a ko da yaushe opted ga bukatun na abokan ciniki. Wannan kudi ma'aikata daya daga cikin na farko a kasuwa don bayar da mu abokan mafi kyau banki kayayyakin da sababbin abubuwa. A hanya da aka dauka a kan dogon lokacin da hadin gwiwa tare da kowane abokin ciniki.

kungiyar raya dabarun halin da m conservatism. Aiki da aka gudanar na musamman a cikin real ga tattalin arziki. Bankin sabis ne ko da yaushe tsauri, modernized kuma kyautata matsayin fasahar ci gaba. A kudi ma'aikata ne aiki bashi siyasa, kullum kuma ya rika kara da fayil.

abin dogara da abokin tarayya

"ROST Bank" Rostov-on-Don, kazalika da ofisoshi a Moscow da kuma St. Petersburg, shi ne memba na REUTERS da SWIFT tsarin. Wannan ya sa ya yiwu don samar da abokan ciniki tare da sabis na kasa da kasa remittances, ya nuna sha'anin AMINCI. Key kudi ma'aikata abokan - shi ne OJSC "URALSIB" da kuma OJSC "Rosbank". The Bank kula da wakilinmu dangantaka da kasashen waje cibiyoyin kamar:

• Deutsche Bank Trust Company nahiyar Amirka a Amurka.
• Deutsche Bank AG a Jamus.
• Commerzbank AG a Jamus.
• VTB BANK a Denmark.
• AG a Jamus.

OJSC "Bank Ci Gaban" ne a Moscow International Currency Association da Association of Rasha Banks ne memba na kasa da kasa biyan bashin da tsarin Visa International da kuma MasterCard International, an da hannu a cikin ciniki a kan Moscow musayar kudin kasashen waje da kuma MICEX.

Abin da ya faru a 2014?

Perfect Bank labarin da aka ba da yaushe samo asali smoothly kuma zare jiki. Mafi kwanan nan, akwai wani real abin kunya, wanda, sa'a, tare da qananan asarar ya iya jimre "girma na banki." Matsaloli tare da Babban Bankin lokacin da ya fara gabatarwar da wani iyaka a kan bayar da adibas da aka rubuta a shekarar 2014. A kudi ma'aikata biya ta ajiyar a kalla 30,000 da watan. Mutane tafiya kowace rana a cikin ofishin karba su tanadi.

A halin da ake ciki ya ja hankalin na Babban Bankin na Rasha Federation da kuma ga dalilin cewa "ci gaban da banki" Rostov-on-Don ya auku sharply a cikin rating Standard & Poors duniya dillancin, kuma ba 'yan wurare, kuma zuwa matakin na pre-default jihar. DIA ya nada wani kudi ma'aikata a kula, wanda a cikin shakka daga kima na halin da ake ciki ya saukar facts na doka na rance, wanda ya jagoranci wani babbar matsala.

Menene ake bukata kafun ga shekara ta 2014 matsala?

Baya da cewa "ci gaban da bankunan 'liquidity matsaloli a 2014 yana da matukar kaifi dakushe layi daya zuwa yanzu dukiya da ba bisa doka ba na rance, wanda yake da rabo a daya daga cikin masu hannun jeri. A cewar masana, wani kudi ma'aikata tsunduma a aiki kiwo da kadarori da gefen ta hanyar ƙagagge rance na daya daga cikin masu.

Kamar yadda rahoton da kafofin watsa labarai, daya daga cikin masu hannun jari, wato Oleg Karchev, da ya yi "kwana shigo" nasa kamfanin Merlon, vigorously da ake ji da makirci na bashi-da-dare kamfanoni. Kamar yadda na farko kimomi, da adadin unpaid kwastan biya da kuma haraji auna a biliyoyin rubles. M dukiya ya zama wani baki tabo a kan suna da "ci gaban da banki" Rostov-on-Don, Moscow da kuma rassan a sauran sassa na kasar. Kasawa na dukiya a cikin adadin biliyan 10 rubles aikata wani duka ba kawai ga ma'aikata da kanta, amma kuma bankunan obnalnogo kamar ya rukuni: JSC "Tveruniversalbank" da kuma JSC "Ska-Bank", JSC "Cedar" da kuma JSC "BaykalInvestBank".

Wane ne m na matsaloli?

Kusan hukumance m auka na kudi tsarin da aka mai suna Alexei Korneshov. M na JSC "ROST Bank" al'amurran da suka shafi qaddamar da zamba makirci. Mahaifinsa, wanda yake a baya shugaban na Moscow Jihar fasaha University, da kuma game da shi akai-akai rubuta a cikin gida kafofin watsa labarai, ciki har da gwamnati, kamar yadda mutãne, ba kawai lalata kudi cibiyoyin, amma kuma sa a hadarin dukan kudi a tsarin da ke jihar. M na JSC "ROST Bank", matsaloli da suke ba tare da dalili, da yake a baya co-owner of "Sibekonombanka" a hana wa lasisi saboda dukan muzguna, a 2007, da kuma wani m of "CFT" banki, kuma a 2013 aka ba lasisi.

Duk da jita-jita, reorganization ya faru

Bayan gabatarwar "ROST Bank" Rostov-on-Don kuma rassan a sauran birane na rikon kwarya gwamnati fara rayayye magana game fi. Sanarwa daga tsiyacewa na wani kudi ma'aikata bayyana a cikin kafofin watsa labarai. Bisa ga karshen, fi su tonu duk kungiyar bankunan: JSC "AKKOBANK" da kuma JSC "Tveruniversalbank", JSC "Ska-Bank" da kuma JSC "Cedar", JSC "BaykalInvestBank".

A taron, wani wakilin "ci gaban da Bank 'matsaloli ba za a fara a fenti a daki-daki, amma kawai ya bayyana cewa, babu readjustment zai zama. The Bank kula hayayyafa tare da haɗin gwiwar Central Bank da aka duba yiwuwar aiki da matakan for kai-kyautata. Bugu da kari, bayanin da aka bayar cewa "ci gaban da bankunan 'matsaloli a 2014 zai magance tukuru, da kuma na farko na dukkan domin cika duk wajibai zuwa abokan ciniki, jimlar adadin kudaden da wanda amounted zuwa game da 40 biliyan rubles a kan Nuwamba 1, 2014. Duk da sanarwar da wakilin kudi ma'aikata, ya fara gyaran fuska da kuma tsananin riko da liquidity dawo da shirin. Yau, da kudi ma'aikata blooms sake, da kuma a shekara ta 2017 an shirya kawo "girma na banki" Rostov-on-Don kuma rassan a sauran birane zuwa wani sabon matsayi.

Kamar yadda fama banki abokan ciniki a lokacin da matsaloli a Rostov-on-Don?

A lokacin da matsaloli tare da Babban Bankin ya sha wahala abokan ciniki ba kawai Moscow ofishin, amma kuma dukkan rassan. Alal misali, mutanen da suka yi aiki tare da JSC "ROST Bank" Rostov-on-Don, sami ikon yin remittances. All biyan ma'amaloli aka dakatar. Ina iya ba ko da rike shigowa biya. Babu shakka cewa a karbo daga cikin tambaya ba zai iya zama. JSC "ROST Bank" Rostov-on-Don, duk da haka, kamar sauran rassan, ya zauna cikin igiyar ruwa har da tallafi na kula da bayani da kuma riko gwamnati. Customers ba su ma san idan za su taba mai da su kudi. Mutane ba su iya ko karbo kudi daga albashi katunan kuma ba zai iya samun hannuwanku a remittances daga kasashen waje. Kusan duk da sabis na wani kudi ma'aikata da aka katange. Babu wanda ya da wani tsinkaya. Sa'a, da readjustment na cibiyoyin tsunduma a wani yanayi, "Bean Bank", wadda bisa ga shirin na fi na banki zai sha shi a 2020. "ROST Bank" ba fuskantar matsaloli, consistently kokarin biya dukkan su ajiyar su tanadi.

Aiwatar fi

Kamar yadda aka ambata a sama, da kudi ma'aikata da aka ɗõra wa ɗaukar reorganization na "wake tukunya." Ya za a yi alhakin 5 kungiyoyin na bankuna da aka ambata a sama. Ya kamata samar da ba kawai da kawar da matsaloli, amma kuma kara raya "girma na banki."

Issue iya shafe a kudi na kudade a cikin adadin 35,9 biliyan rubles. Wannan adadin, 18.4 biliyan za a ba a karkashin 0,51% annum shekaru 10. Wani 17.5 biliyan bayar a karkashin 6,01% annum na tsawon shekaru shida. "ROST Bank" ya kudurci matsalolinta da kanta don ta warware, ba kawai saboda da refinancing, amma kuma da cikakken sake fasalin kudin pravlencheskogo na'ura. All ayyuka za a tsananin sarrafawa ta tsakiya Hukumar. M tsarin banki ayyukan - shi ne kafin na fi. Za mu iya cewa da "ci gaban da bankunan 'matsaloli tare da Babban Bankin ya yanke shawarar zuwa kusan gaba daya, yanzu shi wajibi ne don tabbatar da amincewa da sanya gare shi.