He aha te mea te whakanohonoho o nga tahatika? Bank fakangofua: he aha ki te mahi ki depositors

I te 2013 - 2014 nga tau, maha pareparenga Russian whakakore te Central Bank te raihana. Tenei meinga e kore anake whakaoho i roto i depositors, engari patua ano hoki te tahi atu whakahaere nama. timata kiritaki ki te tango moni noa i te pūmautanga pūtea o pareparenga. Hoki te wā tuatahi i roto i te wa roa, ka whakatangi te kupu rawa nui "whakariterite anō." He aha te tikanga o te te faaora taurewa tukanga i te pūtahi kāwanatanga? I roto i tenei tuhinga ka ako koe ki ta te whakariterite anō o pareparenga.

whakamāramatanga

He huinga o ngā tukanga e hāngai ana ki te whakaora i te kāwanatanga pūtea - taumira pēke. Eaha te auraa? Ki te he reira taea ki te karo i te peekerapu o te kautaha fakapa'anga, ka te whakahaere o te pēke kia whakawhiti ki te Agency mō whakatakoto Insurance Agency (DIA). Ko te painga ki te kiritaki e kua haumi tāpui rerenga parukore, no te mea taea reira ki a koe te whakaora i te moni katoa haumi. Ki te mea kua mawehe atu te pēke te raihana, kia ora te DIA te wahi anake o te uara o te moni tāpui. Otiia ki te mea i reira te mea he investor e hokona te institution nama rite te katoa, ano te painga hinonga ture, ka tonu rite ki te kia mahi ki e te whakahaere. Ka whakamahia e te rangatira hou te whānuitanga katoa o mehua ki te hanga hou i te Nama kia utua atu, me te hoko whakakahoretia o rawa illiquid. Ko te aha whakanohonoho o pareparenga. Ko te uaua whakamana reira. Ki te hāngai te kohao i roto i te whārangi toenga ki te rōrahi o ngā rawa, e kore e whiwhi i te reira ki te mahi i tetahi mea.

kawea Remediation te roto ki te:

- Ko nui mo te ōhanga o te whenua te rohe ngā ( "Siulaí" i roto i te rohe Samara) ranei Bank;

- Ko te pūmau te institution nama, engari fehangahangai ki te kore rangitahi o tere e tika ana ki te aitua o te taupori (Gazenergobank).

hanga te whakatau e te CBR. I tua atu, ko te whakatakoto Insurance Agency (DIA) whakarato whakahaere wā o te pēke noa e whakawhiti ona rawa ki tetahi atu whare pūtea. Ka hoki te tohaina ia mo te whakahokinga mai o te whakaea me utu herenga. I te tahi taime e kore e taea e DIA hanga i te raruraru i runga i ona ake pēke. Otiia maha whai ki te rapu pūtea. kia waiho te reira i te whare pūtea pono tonu ki te wheako pai o whakapai ake i roto i te mua. rahinga tërä o te pēke e taea te tiki whakapaipai i toru puna: i te Central Bank, ACB me te investor tūmataiti. Ko te aha whakanohonoho o pareparenga.

āhuatanga pai

tauturu whakaora tukanga takitahi me hinonga ture ki te mau tonu putunga i roto i te ki tonu i. I roto i te hui o te kore pēke o te hinonga ka ngaro ratou penapena ora, me tangata noa ka fuoloa anake ki 700 mano. Moni. Remediation taea ki a koe tino whakahoki i te mahi o te whare pūtea. Ko te whakapaipai atu taea ki te whakaora i mahi, me te hohoro whakatau i te raruraru o nāianei.

He aha te mea te painga o te investor

whakaora te kāwanatanga anake nga tahatika kaha rohe nui ranei. Ko te whanaketanga o te mahi, me te nui haere te māia ki te investor i te pūtahi rohe nui wāhi ki whakanohonoho o te pēke. Eaha te auraa? I roto i te utu mo te haumi institution pūtea e tango te wahi o te whakapaipai, te whakahaere raina hua, kaha hanganga me tona turanga kiritaki. enei raraunga katoa e ka e taea ki te whakamahi i he kohinga kaha ki ētahi atu ona mahi te investor.

tukanga

Ko te pūtake mo te whakariterite anō ko te whai wāhitanga tūturu ki te whakahoki whakaea o te pēke. e kore e nui ake te whakaora tukanga 1.5 tau. Ki te i roto i nga tau e toru i rēhitatia tetahi kerēme i roto i te take kaihau, taea kore te anō-whakahaua te pareparenga ki te whakariterite anō.

I muri i utu o te pitihana, ai ta te nohoanga whakawa whakataetae mō te whai wāhi i roto i te tukanga whakaora. Ko te ahunga matua ki te whakahoki whakaea o te pēke: te maoro o te utu o here tukuna, ki te hekenga i o ia%, puta CBA hou, te whakarato o atu loans, toronga o riro i mua taurewa, me ētahi atu mana hoko ki te whai wāhi i roto i te whakariterite anō he moni o te rangatira pēke me tana tokotoko.

Rerenga Parukore Bank: he aha ki te mahi ki depositors

He mea nui ki te mahara e roto i te ngā tukanga ki te whakahoki i te huru pūtea o te whakahaere, ka penapena pūkete kiritaki katoa. Ka whiwhi Bank whakapaipai atu, e kia hāngai ana ki te whakakorenga o nga raruraru o nāianei katoa ki te tere. I mua, ngā ākonga i roto i ngā kura kaha te āwhina i te ngoikore. Na, tono te taua mahi i roto i te rängai pēke. Na reira, ko te mea tino nui i roto i tenei āhuatanga - e kore e mataku. Ahakoa, ki te kauwhautia te whakahaere e fakataimi "paari" nga tikanga katoa ki te hoki mai te depositors moni e taea, engari ka tangohia e te reira i te tahi wa.

He mea nui ki te wehewehe i te ariā o "whakanohonoho" me "kaihau". I roto i te take tuarua, ko te hokinga mai o tangata i roto i te nui o runga ki te 700 mano moni. Whai DIA. E ai ki te ture "I te inihua o putunga takitahi i roto i utu pareparenga Russian 'Me timata i roto i 14 ra i muri i te whakakorenga o te raihana o te pēke. Otiia i roto i te mahi, ka haere nui atu te wa. A e kore te reira ara konei e kore i taea e te ACB hoki tonu putunga ki te fafau atu moni. Ka kia pau te wā nui atu i runga i te tātari o te huru pūtea me te rārangi o depositors.

Hinonga me kaipakihi ora ratou putunga, te nuinga pea e kore e. E ai ki a Ture Federal "I kaihautanga o Credit Organizations", ka makona ki runga ki utu o herenga ki takitahi, ACB me te Central Bank kia taua kerēme, ngā e tonu e whai i te tikanga te whare pūtea. Na reira, ko te mea nui e reira ko te investor nei e taea ki te whakahoki i te whakaea o te whakahaere.

Ahakoa whakakorea maha pareparenga i raihana i roto i te tau kua hipa, i te moni kararehe i roto i te Agency kua tonu. Ki te rere te moni i roto i, ka whakarato i te Central Bank pūtea atu mā te tuku moni i mua-motu. Ka taea e mimiti haere te wāriu swipe i nga rangatira o putunga moni ke. Ka nui te moni o ratou moni tāpui me ona hua 700 mano moni. Ko nga rangatira o putunga RUPO i a kia taea ki te hoki ratou penapena, engari na taua wa ratou e kia nui waimaero. Na reira, i roto i tenei take, ka taea e tatou tohutohu i te whai ake: i te tohu tuatahi o te wāriu kaha o te moni, tirohia ki te peka pēke ki te tono ki te "whatiia" tou tāpui ki te maha nga wahi. Ahakoa pai - ki te whakahou wahi o te takoha ki te whanaunga. I roto i te te whakahaere i te tauwhitinga cashless kore e taea e koe te kore, no te mea i roto i te meka te moni i te pēke e kore koutou e tango atu.

Eaha te tupu na

Runga ki te whakaotinga o te tukanga faaapīraa te investor hou motuhake hanga he whakatau ranei ki te pupuri i te waitohu, tauira pakihi, me te rōpū o te kaimahi ranei whakawhanake mea katoa i te wahanga. Nuinga o ngā wā huri ratou. e CB tenei whakatau e kore e taea e pā.

Bank taumira 2014

I roto i te tau kua hipa, meinga te nuinga rongo whakaoho o te whakataki o te whakahaere wā i roto i tetahi o nga pūtahi tuku moni matamua i roto i te whenua. Kei te korero tatou e pā ana ki Oao "Paratiki Bank" (St Petersburg). timata Remediation o pūtahi pūtea i roto i August 2014. Hei whakahoki i te tere o te Central Bank tīmatanga tohaina 10 piriona moni. tū ACB he whakataetae mō te whai wāhi i roto i te tikanga mo te whakaora o te whakahaere nama "Baltic Bank". Kua rerenga parukore kua puritia hoki e rima nga marama. Tataki te tukanga o te investor hou JSC "Alfa-Bank". I roto i tenei wa, he maha kiritaki kua ongo'i kē te rerekētanga pai i roto i te whakahaere. Kua noho tonu waitohu me te tauira pakihi. Engari, inaianei e taea kiritaki whakahoki iho moni i te atu 5,000 ATMs o "Arepa" kahore kōmihana. whatunga tari e kore hohoro hanga. Kei te fakapapau'i hoki Whakahaere e nga reiti i runga i te moni tāpui me te nama whakaaetanga ka noho tonu tae noa ki te mutunga o to ratou wā. I mua, ko te "Alfa-Bank" uru i roto i te whakanohonoho o "Treasury Northern". Kua tēnei kautaha fakapa'anga i muri i te whakahokinga mai i whakakorea ka te hono ki te investor. He whakarau rite tiai maira "Baltic Bank". ka hei Remediation i te utu o moni pūtea i roto i te nui o 57 piriona., whiwhi te investor he pai 0,51%.

rongo Tata

korerotia 18.11.2014 reira i tangohia e kua DIA nga mahi o te kaiwhakahaere rangitahi i roto i te whakahaere o te "tupu". I tua atu ki te whare nama Pāoa, ngā reira wha ētahi atu whare: "Cedar", "Akkobank", "Ska", "Tveruniversalbank". I roto i te Oketopa 2014 ka mau ake te Central Bank aro mātai o te huru pūtea o te kamupene pupuri, nga hua o nei tohua te hiahia ki te whakauru i mehua ki te ārai kaihau. Na kei te whakawhanake DIA mahere ki te whakapai ake i te hauora o ia o nga pūtahi nama rima. Ko te aha te whakariterite anō o te rōpū pēke.

whakarāpopototanga

Ki te nui te pēke wāhi nui i roto i te ōhanga fehangahangai he kore rangitahi o tere ranei, ka taea e te Central Bank timata te tukanga o te whakahaere whakaora. I roto i tenei take, riro te DIA te tūranga o te kaiwhakahaere rangitahi. I roto i te whakarara ki te tātari pūtea o pūtea kauwhautia te whakataetae e taea whakahoki te whakaea o te whakahaere. Ko te aha whakanohonoho o pareparenga.