Bankin "Manzon": tsoho ko ba? Matsaloli na bankuna a Rasha

JSC "Manzon Bank" - a bashi ma'aikata na gwamnatin tarayya sikelin. Ya na da lasisi na Central Bank, Federal kudi kasuwanni Service, mai sana'a takara na Securities kasuwar, kazalika da samar da roba katunan Visa, MasterCard. Na dogon lokaci, kungiyar ta gudanar da ayyukanta da kyau. Amma a shekarar 2014, "Manzon Bank" ya sanar da tsoho. Wane kalubale da fuskantar da wani kudi ma'aikata, da kuma yadda real ne barazana zahiri karanta daki-daki a cikin wannan labarin.

labarin

"Manzon Bank" da aka kafa a kan tushen da JSC "Promtorgbank". A karshen da aka shirya a shekarar 1992 da kuma na dogon lokaci ya kasance daya daga cikin abin dogara cibiyoyin bauta wa masana'antu. A 2010, "Manzon" Group da bashi ma'aikata ake magana a kai a sama a cikin mahallin da dangantakar hadin gwiwa ta kafa a duniya a banki. Tun da farkon aiki (Oktoba 2010) "Manzon Bank" hankali ɓullo da katin kasuwanci da kuma fadada abokin ciniki tushe. Babban m da ma'aikata ne rike da kamfanin Trellas.

"Manzon Bank": matsaloli

Nuwamba 10, 2014 daya daga cikin rukuni na kamfanoni "Onexim" aika Nogotkov (sai Shugaban Hukumar da shi na gudanar) a sanarwa na tsoho. Tabbaci ga rance yi Trellas Enterprises Ltd. hannun jari A cewar shi, da za'ayi duk sarrafawar kadara na GC "Manzon". A cikin kwana biyu, akwai wani sanarwa cewa 90% na hannun jari tafi karkashin iko da "Onexim" da kuma NPF "Welfare". A wannan yanayin, da fatauci farashin ya m - 1 ruble da tsaro. Bankin "Manzon" default iya hana. Shi ne ya kamata a lura da cewa kamfanin ta dukiya sun hada da ba wai kawai bashi cibiyoyin amma kuma daga cikin wannan sunan wayar hannu retailer, online store, SVOY.RU portal, Pandora salon cibiyar sadarwa. Ko da yake kayan ado Stores a yarjejeniyar da aka ba a ciki.

Menene matsalolin da banki yana fuskantar "Manzon"?

Default faru saboda m asusun biya. Kamfanin bai iya jimre da matsalolin da rikicin a 2014.

A cikin kaka na shekarar 2013 da kungiyar "Onexim" da kuma "Manzon" yi da ajiyar da yiwuwar samar da wani kudi gudanar da wayar salula retailer, banki, da inshora kamfanin da kuma banki "Renaissance Credit". Sa'an nan Marigold samu bashi for $ 100 da miliyan tare da wani balaga har zuwa 01.11.2014 shekara. Wannan adadin da aka sa'an nan ya karu da wani 20%. Wannan shi bai iya biya da banki, "Manzon". Defaulted, bisa Nogotkova, kafa saboda wuri na badini, da wuya tattalin arziki halin da ake ciki a kasar da kuma kasashen waje.

Saboda da anti-kenkenewa sabis mafita a cikin kasuwar na kamfanonin wayar salula rage gasar. Bayan canza "Manzon" da sake fasalin samu kasa riba a cikin adadin biliyan 1.6 rubles. daga sayar da asusun fansho. The hanyar fita daga cikin halin da ake ciki zai iya sayen canja wurin ikon mallakar kamfanin zuwa MTS. Amma da yawa, shirya Satumba 2014, ya fadi, kamar yadda babban m - mai shi na mobile afareta - karkashin sanya gidan kama.

A kasa kasuwanci model

Masana sun yi imani da cewa matsalar tashi saboda shirin bai dace manyan al'amurra. Girka wani farashin yaki tare da "Euroset", "Manzon" fadi a cikin wannan tarkon kamar yadda abokin hamayyarsa a 2008. Da yawa sun shagaltar, ya mayar da hankali ne kawai kan kudaden shiga, ba net samun kudin shiga. Amma da kasuwar halin da ake ciki ya canza, da rikicin jan a, da kuma kamfanin ya fara fuskanci manyan matsaloli.

aukuwa

A baya can, kamfanin ta bashi sun Sberbank, "Promsvyazbank" da "Globex". Dukan su raba Trellas aka aza - babban m na JSC "Bank Manzon". Defaulted, sakamakon daga da ba-Cikar wajibai, yanzu ya ba da dama ga duk bashi dauki adibas. Su yi amfani da NPF "Welfare", a lokacin da ya samu 15% na hannun jari Trellas.

A tsakiyar watan Maris, "Promsvyazbank" ya samu izni daga gwamnatin tarayya Antimonopoly Service to saya a 51% gungumen azaba, a Svyaznoy NV Kamar yadda na Nuwamba 2014, kamfanin ta bashi to bashi cibiyoyin amounted zuwa 6 biliyan rubles. Amma a lokaci guda akwai wata sanarwa cewa "Promsvyazbank" ba za su saya da kamfanin.

Ƙulli daga cikin banki "Manzon"

Fuss game bashi kungiyar kawai hana maido da kudi yanayin. Bayan bayyanar labarai game da tsoho ne kawai domin na farko kwanaki biyu, masu zuba jari dauki kashe kadan fiye da 8 biliyan rubles. A lokaci guda, jita-jita cewa "Manzon" (banki) yana kokarin warware matsalar ta hanyar fi. Daga baya, duk da haka, bayani a latsa saki ƙaryata. Bisa ga banki wakilan rance fayil size ãdalci (10.7% na bukata CB 10%) ba su canza, da instantaneous kudi na liquidity 4 sau da ƙaramar darajar (15%). The Bank ya ci gaba da aiki kamar yadda ya saba a karkashin tsohuwar kasuwanci model.

A watan Disamba, 2014 da ma'aikata ya samu € miliyan 11 subordinated aro daga cikin "Finprombanka" da kungiyar "Alliance". Kamar yadda na farko suka kiyasta, wannan Naira Miliyan Xari da aka samar da mafi ƙarancin babban birnin kasar adequacy rabo (N1) ga 'yan watanni. Amma a cikin marigayi Fabrairu H1 fadi zuwa 9.81%. Sa'an nan da gudanar da bashi ma'aikata jawabi ga hannun jeri tare da shirya babban birnin kasar karuwa a cikin adadin biliyan 5 rubles. matsaloli na JSC "Manzon Bank" zai fuskanci ba tare da wannan kudi cikin 2015. Cash withdrawals daga ajiya da kuma rancen aiki zai iya zama matsala ga abokan ciniki. Don shirya kuma a haɗe jadawalin samu na biya ga dukan shekara. The most adadin (. 1.1 biliyan rubles) da aka bukata a watan Maris, kuma a cikin wadannan watanni - miliyan 300, amma saboda m canje-canje a cikin jerin hannun jeri game da recapitalization tattaunawa ba fara ..

A banki ne masu kaunar da tsohon mai shi

A cikin watan Yuni 2015, "Manzon Bank" ya roki kotu. The bashi kungiyar nufin a tattara daga Nogotkova miliyan 120 rbl., Wannan an bayar domin ta nasu bukatun. The balaga da bashi ya faru a 'yan watanni da suka wuce. Amma da banki ta bukatun da aka ba hadu.

ƙarshe

Ƙulli daga cikin banki "Manzon" - daya daga cikin rare batutuwa na tattaunawa. Bayan bayanai game da tsoho na wannan kamfanin, shari'o'i da dama a kusa da bashi ma'aikata kafa wani unfavorable bayanai bango. Saboda zuba jari haifar da tsoro fara massively janye adibas daga asusun. Domin barga aiki na banki yana bukatar ƙarin capitalization. Amma saboda m canje-canje a cikin jerin hannun jeri na tattaunawa a kan wannan batu ba tukuna fara. Ba tare da wadannan kudi da banki zai iya zama a cikin matsala tare da aiwatar da babban birnin kasar adequacy rabo.