Bankin "Manzon": matsaloli, abokin ciniki reviews

JSC "Manzon" - wannan shi ne daya daga cikin mafi girma a bashi cibiyoyin a matakin tarayya a Rasha. A tarihin na kudi ma'aikata ne kananan, kuma yana da saiwoyinsa a shekara 2010. A wannan lokacin, wata ƙungiya daga "Manzon" kamfanin sanya hannu kan yarjejeniya tare da "Promtorgbank" a kan samuwar wani kenan da kuma manyan-sikelin kudi ma'aikata. Bankin "Manzon", matsalar shi ne ba damu a farkon matakai na zama, nan da nan bayan bayyanar gabatar da wani m samfurin a cikin kudi kasuwa - banki katin, "Manzon", wanda ƙwarai iri daban dabam kewayon bada shawarwari da kuma kusantar da hankali ga kungiyar.

labarin

"Manzon" Bank (Moscow) hukumance fara aiki a 2010, amma abokin ciniki tsarin da aka gada daga wani abokin tarayya a cikin mutum na JSC "Promtorgbank", wadda aka kafa a shekarar 1992. Organization mallakar category na matsakaici-sized Enterprises cewa kware a bauta wa masana'antu da kasuwanci da kamfanonin. Experience na haɗin gwiwa tare da abokai da aka sabon, amma da amfani sosai. History of "Manzon" kungiyar kamfanonin yana da saiwoyinsa a 1995. Babban specialization na Enterprises da zuwa wannan rana ya kasance iri guda: sayar da lantarki, da aiwatar da sadarwa da kuma kwamfuta kayan aiki. Bankin "Manzon", rassan wanda aka located a karkarar Rasha, yanzu offers da abokan ciniki da fadi da kewayon kudi ayyuka tare da ƙaddamar da katunan bashi m. A abokin ciniki tushe na institute yana game 3 dubu kamfanoni abokan ciniki daga daban-daban sassa na tattalin arziki. Number of kiri abokan ciniki ya riga ya kai mutane miliyan 1.5. Standard da sabis na bankin da irin shiri da kuma tsabar kudi ayyukan, rance da adibas suna taimaka da sabis na factoring da kuma nemowa.

"Manzon" a yau

Bankin "Manzon", matsala wanda ya fito kwanan nan mun gwada da kuma ya ba da wani nauyi tasiri a kan kudi ma'aikata ta ayyukan da aka hada a saman-50 Rasha bankuna. All ajiya a banki inshora da ajiya da inshora tsarin. A haskaka daga cikin kewayon kayayyakin da kamfanin ya zama taswirar "Manzon", wanda An yi nasarar hada damar da bashi da zare kudi. Idan katin balance za a gyarawa dukiya, su za a caje 10% sha'awa a kan shi. Ga kowane ma'amala da sahibin kati na'am da kari. Credit iyaka a kan irin wannan samfurin shine 250 dubu rubles. A banki ta abokan ciniki iya amfana daga karshen a daya daga cikin mutane da yawa ofisoshin. Domin duk ko da wani taƙaitaccen tarihin na banki, "Manzon" (St. Petersburg) ya ba gunaguni daga abokan ciniki. A matakin na sabis ko da yaushe ya kasance a kan saman. ta ƙarshe lokacin da fushin ya sa da cewa da ma'aikata ya kafa iyaka a kan tsabar kudi withdrawals, haka madubin ayyuka da fafatawa a gasa, wanda ake hana wa lasisi, kuma sun riga sun shiga tsiyacewa.

A farko harbingers na bala'i

Kamar yadda abokan ciniki da kuma, da kuma masana daga cikin kudi kasuwa, "Manzon" banki fara fuskanci matsaloli a lokacin da aka yanke shawarar rage yawan tsabar kudi da cewa za a iya janye daga ATM. A daidai da} ir} a biyu da banki ta ATM, da kuma abokan hane-hane. Customers iya tsabar kudi a cikin rana daya ba fiye da 25 dubu rubles. Transfer na kudi daga banki katin via P2P-translation samuwa ne kawai a cikin wani adadin ba fiye da 5 dubu rubles a rana. Gabatar da wasu hani a kan daban na interbank canja wurin a lantarki format, wanda ba zai iya wuce yawan dubu 50 rubles. The kawai shugabanci cewa an ba da takaitawa da iyaka - shi ne biyan bashin da sayan sabis ta amfani da sabis QBank damar m.

Abin da aka ce a kafofin watsa labarai?

Tartsatsi bayanai da cewa banki "Manzon" sashen rufe a duk faɗin ƙasar. Bisa ga manual, wannan tsarin kula da sake fasalin kudin na banki ta ayyukan za su ci gaba da zaki ya share ta kasafin kudin. A cewar management, wadannan ayyuka za su shafi ingancin abokin ciniki sabis a yankin, tun da sun kusan ba zuwa ofisoshin da kuma yin amfani da zabi tarayya da ma'amaloli. Mafi yawa daga cikin abokan ciniki na kudi cibiyoyin ne karkata zuwa yi imani da cewa, a dangane da irin munanan matakan dauka da shugabanci, a nan gaba, wani kudi ma'aikata iya fuskantar reorganization, kamar yadda shi ne yanayin da bankin "Trust" ko soke wani lasisi. A lokacin, "Manzon" banki ofishin wurare da suka rage muhimmanci a cikin 'yan shekarun nan, yanã gudãna a misali yanayin, kamar yadda aka gyara, da kuma wuraren shiryar hukumance ya furta cewa, soke dokar da lasisi da tsiyacewa da magana ba zai iya zama. The bayanai leaked ga kafofin watsa labarai a karshen shekarar 2014, game da mai zuwa reorganization, a request na management, ba kawai ba ta tabbatar ba, amma a hukumance ƙaryata. Abinda ka bukatar "Manzon" banki liquidity matsaloli abin da aka dauka ta hanyar mamaki - shi ne zuba jari ga daidaita. The manual ce akwai isasshen alamar bada shawarwari.

Iyaka a kan katunan bashi - a shirinku ko wani abu mafi tsanani?

"Manzon" An yi wani aiki raguwa a katin bashi da iyaka. A baya can 99% na aro yarjejeniyar bayar ga abokan ciniki bambanta a cikin kewayon 10 dubu zuwa 150 dubu, a yau shi ne iyaka zuwa yanzu size na bashi. Guide bayyana akan rage iyaka canje-canje a cikin kudin na kudade. Daidaita Farashin lamuntawa yanayi ne mai muhimmanci sosai a dangane da yanzu darajar babban birnin janye. "Trimming" da aka asali fallasa Nonrecycled rance da sifili cutarwa.

Abin da abokan ciniki ce game da rage iyaka?

Bayan da banki "Manzon" (St. Petersburg) ya zama datsa iyaka, abokan ciniki sun amsa ga halin da ake ciki na da yawa adadin korau reviews. Duk da cewa bankin ce game da pruning kawai 5% na rance, da kalaman na haushinka ya tashi sosai manyan, tun da shawarar da aka dauka da ikirarin. Koma idan banki takaita guda, za ta dogara ne a kan abin da zai karfafa tattalin arziki halin da ake ciki a kasar. Popular mai yawan bankuna fuskanci matsaloli. Sun dakatar da ayyukan, jiran canje-canje a cikin halin da ake ciki, a matsayin mai kaifi outflow na babban birnin kasar iya zama hukunci a nan gaba na makarantu.

M ma'aikatan cuts

"Manzon" banki ofishin wurare da fadi sharply, rufe rassan da aka ba iyakance. A cikin duka, daga watan Janairu zuwa Maris 2015 kudi ma'aikata da ma'aikatan rage ta 27%. A farko a watan Afrilu 2015 da yawan banki ma'aikata a 1406 yayi dace da kwararru. A watan Janairu na wannan shekara, wannan adadi yayi dace da 1,921 dubu. A general, domin yanzu shekara, yawan kwararru rage ta 36% a cikin "Manzon" banki. Rage girman da Hakkin biya. A farkon kwata 2015 kudi ma'aikata da ma'aikata da aka yaba da 25,2 miliyan rubles. Wannan shi ne game da 27% m fiye da daidai wannan lokacin bara. Gani a layi daya girma a social biya, wanda ya tashi zuwa 123,5 miliyan rubles zuwa 4.1 miliyan rubles. Credit ma'aikata ne fuskantar wasu kudi matsaloli tun karshen shekarar 2014. Tun Afrilu, 16 bankuna daga Babban Bankin ya bayar da ban a yarda da sabon adibas, kamar yadda na Afrilu 1, kudi ma'aikata ya bar babban birnin kasar adequacy matsayin daidai da iko nagartacce.

A banki ta ƙi ya canza bashi

Har irin wannan lokaci kamar yadda suka fara rufe ofisoshin, da bankin "Manzon" mafi abokan ciniki touted a kan dukkan bangarorin. Akwai mutane da suka rayayye rubuta su biyayya da girmamawa ga abokan ciniki, wanda ba yanzu a wasu manyan cibiyoyin kudin. Girmamawa da aka sanya a kan kungiyar na kirki da kuma a kan da dama kayayyakin, wani m makirci cinikayya. Tun farkon da matsaloli, bisa ga abokin ciniki feedback, halaye sun canza muhimmanci. Saboda haka, daya daga cikin abokan ciniki a dangane da asarar da wani aiki da su nemi bashi sake fasalin kudin. A cewar ta, bankin wakilan bai amsa wa wani daga cikin m Rokon. A sakamakon haka, wata mace ta ce game da m barazanar haraji a kan wayar da bothersome kira duk abokansa. Ta yi shirin shigar da kara a ofishin mai gabatar da kara ta da wani hakki a cikin banki. Bayyana a irin wannan halin da ake ciki da kuma da yawa wasu mutane suka yanke shawarar su yi haka.

Abin da yi masu zuba jari?

"Manzon" ajiya a banki a baya yarda da babban tsanani, yanzu ba a aiki a wannan yanki dangane da umarni na Central Bank. Saboda wannan al'amari, abokin ciniki ra'ayin dabam- dabam suke. Akwai biyu Categories mutane. Wasu mutane kokarin maida tattara kudi daga banki, game da shi haddasa karfi outflows da exacerbating halin da ake ciki. Na biyu kungiyar na abokan ciniki da kyau kwarai, bisa ga su, da dangantaka da kudi ma'aikata ba zai dauki wani mataki. Mutane fatan cewa "Manzon" banki lasisi wanda a halin yanzu har yanzu aiki nasarar tsira wucin gadi matsaloli a nan gaba don mayar da ayyukan da dokokin. The girmamawa ne a kan gaskiyar cewa ko da a sakamakon kawar da kudi ma'aikata kudi za a iya koma ta hanyar da Deposit Insurance Agency. Masana sun bayar da shawarar mataki wa waɗanda suka ajiya adadin ya wuce 1.4 miliyan rubles, ciki har da a dollar sharuddan.

"Manzon" da ke cikin sahu na dami cibiyoyin

A karshen shekarar 2014 ne musamman wuya ga kowane daga cikin kudi ma'aikata. banki crises sun faru a karkarar Rasha. Duk wani Babbar cibiyar sadarwar ofisoshin, da kuma ikon yinsa, daga aiki, "Manzon" da ke cikin sahu na firgita banki cibiyoyin. A watan Nuwamba, 2014, da kudi ma'aikata tacked a kan gab da fatarar. Akai-akai tare da lokaci da aka shiga, sa'an nan alamar tauraro iyaka tilasta yin aiki a kan banki cards. Da farko, da iyãkõkin cewa yi da kuma a yau, da za'a shiga kawai a lokacin hutun Kirsimeti. Tsoro a kan wani ɓangare na abokan ciniki da suka ci gaba su tanadi a cikin wani kudi ma'aikata hade da farko da cewa, tun lokacin da rikicin, rufe fiye da 100 bankuna.

da banki ta yiwuwa ga 2015

Wane ne ya ce, "Manzon" Bank rufe ko ba, shi ne matsala ba, amma a gaskiya na ciwon liquidity matsaloli saboda da matakan Kanmu da management ne bayyananne. Ministan harkokin wajen tattalin arziki da halin da ake ciki da shawara cewa, a cikin gajeren lokaci da yanayin da ake ciki ba zai canza. Duk da karuwa a cikin adadin inshora gudunmawar zuwa 1.4 miliyan rubles, da outflow na kudi daga cikin kudi ma'aikata ya ci gaba, wanda zai iya haifar da fatarar. Ka tuna cewa "Manzon" ajiya a banki tsaya shan ta domin na Central Bank of Rasha Federation, wanda rage ƙari kafofin daga cikin kungiyar. Akwai bayanai game da kasancewar Cibiyar ta bashi da haraji hukumomi a cikin adadin 1.2 biliyan rubles, yayin da biyan bashi wanda lissafi zama ba zai yiwu ba, tun da adadin bashin wuce 2.5 sau. A banki ta management ne rayayye aiki don daidaita ayyukan da ma'aikata, wanda ya ba da bege ga maido da al'ada aiki "jiwuwa". Yin tsinkaya ne ma da wuri, shi ya kasance ne kawai wajen saka idanu da halin da ake ciki.