Sistimi ea batho ba qotsitsoeng ka batho ba nang le litlamong tsa Russia: Chelete ea pele ea monehelo, inshorense ea matsete a lichelete, maemo le nako ea ho beoa ha chelete.
Ka boeena ho bokella chelete ka foleteng- ha ho na hore toro e putsoa ea batho ba bangata? Ho se tlameha ho aha boiketlo ba rona ba mathuleng, utloa eka letsatsi la letsatsi leo u le etsang ... Azodno Sireletsa Chelete ho Bula. Sena sohle se ka fumaneha, menehelo ea ho qala enkeng e tšepahalang.
Ka nako e ts'oanang ka ntlafatso ea maemo a moruo a akaretsang le keketseho ea litheko tsohle tsa oli, litefiso tsa oli (li-depositi tsa eona) li fokotsehile, 'me ha li liehe haholo. (Empa mona re ntse re le hole le boemo ba Europe le United States, moo menoana e leng lekaneng bakeng sa ho bala sekhahla sa phaello ka lehlakoreng le leng, 2-4% ka 2004. Ho ne ho ka khoneha habonolo ho beha li-ruble bakeng sa selemo se ka tlase ho 12-13% ka selemo. Hona joale katleho ena e ke ke ea khona ho pheta: ho oa hona, chelete ea Russia e nkuoa ka karolelano ea 10%. Ntle le litaba tsa phaello, kaofela, ho hlakile hore kaofela li tšoenye mathata a mang a amanang le chelete ea tsona.
Ke chelete efe eo u e ratang: Leoatleng kapa la Amerika kapa United States? Ka nako e kae ea maemo a be teng bankeng? Na ho leng kotsi ho fa "anien ho hloka" atileng? Boemo bo thusa joang ho ba thusa baahi bao bao ba bank bankeng? Ke mefuta efe ea menehelo e ileng ea tla le libanka tsa bonolo tsa bareki ba bona? Mona ke lipampitšana tsa lipotso tsa puisano ea kajeno.
Li-ruble, lidolara kapa li-euro?
Pejana, "lehong" o tšohile eng e mong le e mong (hopola trisia 1998). Joale, ho fapana le hoo, hohela. Ho latela lipalo-palo, baahi ba bangata ba Russia hona joale ba boloka chelete ka libanka tsa li-ruble. (Ke 'nete, ha ho tsejoe ho mang kapa mang ea nang le "botala" bo ntseng bo le "secking".) Lisosa tsa lerato la hona joale bakeng sa ba babeli. Taba ea pele, re se re tšepisitsoe ke ba boholong le maano a bona - matla a moruo a moruo le kholo ea GDP e hlakile. Taba ea bobeli, ho latela li-deponitivititions tse ncha, libanka li fana ka chai e ngata ea bo / boima. Bapisa linomoro tsa Milione: tse ka bang 10% ka selemo ho li-ruble tse ruuoang, tse ka bang 7% ka lidolara le 6% ho li-euro. Libanka tsa Metsi, ho palo ea tse kenyelletsang, ka mohlala, "SARBANKY", Litefiso tsa lichelete tsa Verland le Europe li kopane E fapane: Bakeng sa litefiso tsa Euro ka 1% e tlase ho feta ho dolara.Bakeng sa ho belaela, ka chelete e beha chelete ka chelete efe, ho thoe ke li-depositi tse bitsoang mefuta e fapaneng ea lihlahisoa tse ling, li-ruble, lidolara le li-Euro. Menehelo e meng hangata e nkuoa licheleteng tsa lichelete tsena. Mofuta o joalo oa depositi o mocheng oa li-Banks "Union", "Recval" ea Promsvyzbank "IDR. Thahasello ho li-acensets tsena li ka lekana kapa tse tlase hanyane ho feta li-bets tse tloaelehileng li jeoang ka chelete e le 'ngoe.
Chelete ea depositi
Banka e 'ngoe le e' ngoe e na le molemo oa hore u e boloke e le chelete e ngata - Litsebi tsa lichelete li tseba ho lahla chelete e hlahisitsoeng. (Tsela e bonolo ka ho fetisisa ke ho bokella mokoloto ka morao ho thepa ea hau. Ena ke chelete e ngata, hangata ho na le chelete e ngata haholo e ka holim'a sekhahla sa phaello ka pokellong. Mehlala e 'meli e bonolo. Pele. Haeba u nka qeto ea ho beha barekisi ba sekete bakeng sa selemo (hantle, ka nepo, u tla fuoa chelete ea 5.5% ka lebaka la ho tlatsa akhaonto), 'me haeba, ho re, Dollara e 5 E eketsehileng, ebe ea 6% ka selemo. Phapang e tla ba lidolara tse 5 ka sekete. Ho ne ho tla bonahala ho le bonolo, empa haholo ha e le ngata haholo. Mohlala oa bobeli. "Promsvyzbank", monehelo "oa khale" o ne o le teng ", nako ea selemo. Ka palo ea li-brable tse likete tse 30. Tekanyetso e tla ba 10%, ho tloha ho li-ruble tse likete tse 30 ho isa ho 300. 10,5%, 'me, a re ke, ho tloha lirekoto tse likete tse 500. Phapang ho 1% e tla fana ka keketseho ea li-ruble tse 300. Bakeng sa li-ruble tse likete tse 30. Libanka tse arohaneng tsa Raiffesenbank, u se sebetse ka li-ruble tse nyane tse tlase, li-uddollars tse 3 tsa United States kapa Euro.
Chelete eo u e tšoereng chelete e telele bankeng, e tšosang. Banka ka 'ngoe ke mokhatlo o moholo kapa o monyane o tiileng kapa o hlahisa maikutlo a joalo. Empa ho ka etsahala hore ebe Fort o matlafalitsoeng e ka ba qhobosheane ka lehlabatheng ebe e putlama bosiu. Banka ea khoeli le khoeli ba hopola li-lanks tse hopotsang libanka, ha ba na monyetla oa ho phatlalatsa hore o bakile bankrut Ke mecha ea mehalong ea mejarifong ea li-depositi tse entsoeng ka 90s. "Chora", "Chora", inkombank "le mekhatlo e meng e tšoanang. U ka itšireletsa joang, u sa felloe ke matsete a hau? Karabo e bonolo: U hloka ho se boloke li-ruble tse likete tse 100 bankeng e ngoe le e ngoe. Ena ke palo e phahameng ka ho fetisisa eo State a re e loketseng haeba banka e hlakoloa keesense (ho latela Molao oa Inshorense).
| Mefuta ea li-depositi le linako tse behiloeng | "Sberbank ea Russia" | "Vneshtorgbank 24" | "Bancow bancow bancow" | RaiffeisenBank | Rosbank | Promsvyzbank | "Lenaneo la" Russian " | "Acpeletut bank" | "Union" |
|---|---|---|---|---|---|---|---|---|---|
| Li-depositi ntle le ho lokolla le ho tlosoa ka mokhoa o itseng oa lichelete | |||||||||
| Likhoeli tse 6 | 7. | 7.5-8.5% 1. | 6-71 | 5 85-6 551; 2. | 7.05. | 9-101 | 10-121 | 9-111 | 10-10,751 |
| Likhoeli tse 12 | - | 9-10% 1. | 7.5-8,51 | 5,9-81; 2. | 9,55 | 10.5-111 | 12-131 | 11.25-12,251 | 11-11,51 |
| Likhoeli tse 24 | - | 8.5-9,61 | 7.5-8,51 | 6.8-91; 2. | - | - | - | - | 10-121 |
| Depositi le ntle le ho tlosoa hoa chelete | |||||||||
| Likhoeli tse 6 | - | 7-8,51 | - | - | 7.15,351 | 8.5-93 | 9-101 | 9-111 | 9.75-10.51; 4. |
| Likhoeli tse 12 | 8.5-9.51; 5. | 8.5111 | - | - | 9.6-9,71 | 10-10, 253. | 10-111 | 11.25-12,251 | 10.75-11.251; 4. |
| Likhoeli tse 24 | 8.5-9,51 | 8.5-9,51 | - | - | 10.25-10,41 | 9,53. | - | - | 9.75-11,751; 4. |
| Li-depositi tse nang le phetetso le ho tlosoa ka mokhoa o itseng oa lichelete | |||||||||
| Likhoeli tse 6 | - | 7-81; 4. | 5.5-6.25 | - | 7.25. | 7,56. | - | 9-111 | 9.5-10.251; 4. |
| Likhoeli tse 12 | - | 8.25-9,251; 4. | 7-7,75 | - | 9.75-101 | 96. | - | 11.25-12,251 | 10.5-111; 4. |
| Likhoeli tse 24 | 6.75-7,51 | 7.5-8,751; 4. | 6.8-7.55 | - | 10.3-10,51 | 96. | - | - | 9.5-1111111; 4. |
| 1- Ho latela palo ea depositi; Chelete ea bobeli ea depositi e nyane ke li-ruble tse likete tse 90; Liperesente tse 3 li qosoa ka sekhahla sa depositi se ka eketseha, ka keketseho ea chelete, sekhahla sea eketseha; Karolo ea 4- palo ea matsete a likarolo tse eketsehileng e qosoa ka sekhahla sa pele; Li-amana tsa 5 ka likhoeli tse 13; 6% e bokelloa ka sekhahla sa depositi ka boemo ba ho boloka chelete e nyane |
Li-a Inshorense
Ke eng? Haeba ka nutlall, joale tiiso ea mmuso ea ho khutla ha depositi. Menyetla ea ho beha Inshorense ea ho beha Kotsi lilemong tse 'maloa tse fetileng ha ho motho ea belaelletseng. Batho ba ile ba boloka chelete lapeng, ba tšaba ho ba fa bankeng. Empa ka 2003. Ho utloa ho ile ha tšoaroa: Banka e bohareng e tla tsamaisa khetho ea libanka ho ba bitsoang Deposit Sistimi ea inshorense. Ke eng e tla ba teng, esita le litho tsa 'maraka ka ho fetisisa li ne li sa tsebe. Ho ne ho tšosa: ho thoe'ng haeba ba sa nkuoe?Tumellanong le molao ho inshorense ea deposit, mmuso o tiisa hore Bagarisi oa putlama ha e sa phunyele ho feta li-ruble tse likete tse 100. Haeba banka e boetse e file laesense.
Ka bokhutšoanyane, la 23 Tšitoe 2003. Molao oa No. 177-FZ e hlahile "inshorense ea batho ba nang le batho ba nang le mabopong a Limbato tsa Russia". Mokhahlelo oa eona o fihla ho o latelang. Setsi sa "State Corporation" Barekisi ba libanka ha ba hlaha ketsahalo ea inshorense (hangata ho senya chelete e tsoang mokhatlong oa lichelete) e etsa puseletso ea inshorense. Boholo ba eona ho ea ka molao oa hona joale ha bo khone ho feta li-ruble tse sekete. Ho sa tsotelehe hore na moreki o ne a tsamaisana bankeng hakae.
Ho na le tšepo ea hore molumo oa matšeliso o tla fetoha nakong e tlang: Tlhahiso e fanoeng ho eketsa palo ea chelete e kenang bohareng ba 2006. Ka har'a liqhomane tse likete tse 100, le bohareng ba li-ruble tse likete tse 100. Empa ke 90% ho tloha le makholo a mabeli, ke hore, li-ruble tse likete tse 280 li tla busetsoa.
Qetellong ea Loetse 2005 Ts'ebetsong ea inshorense ea depositi (cer) e kenyelelitse libanka tsa Russia tse 927 tseo ho tsona ho na le menehelo ea batho ka bomong. Ka tsela, mekhatlo eohle ea lichelete sehloohong sa rona ke mekha ho cer.
| Mefuta ea li-depositi le linako tse behiloeng | "Sberbank ea Russia" | "Vneshtorgbank 24" | "Bancow bancow bancow" | RaiffeisenBank | Rosbank | Promsvyzbank | "Lenaneo la" Russian " | "Acpeletut bank" | "Union" |
|---|---|---|---|---|---|---|---|---|---|
| Li-depositi ntle le ho lokolla le ho tlosoa ka mokhoa o itseng oa lichelete | |||||||||
| Likhoeli tse 6 | 5-5,51 | 5.5-6,251 | 3,5,51 | 1.8-2.21; 2. | 5,74. | 6-7,51 | 6-71 | 7-7,751 | 7-7,51 |
| Likhoeli tse 12 | - | 6.5-7,751 | 4-4,51 | 3.01-41; 2. | 7.35 | 7-8,51 | 7-81 | 8,75-91 | 7.5-8,251 |
| Likhoeli tse 24 | - | 7.5-81 | 5-5,51 | 4-51; 2. | - | - | - | - | 7.5-8,251 |
| Depositi le ntle le ho tlosoa hoa chelete | |||||||||
| Likhoeli tse 6 | - | 5.5-6,251 | - | - | 5,79-5.991 | 5.5-63 | 5-61 | 7-7,751 | 6,75,27,251; 4. |
| Likhoeli tse 12 | 5.5-61; 5. | 6.5-7,61 | - | - | 7.4,481 | 6.5-73. | 6-71 | 8,75-91 | 7.25-81; 4. |
| Likhoeli tse 24 | 6.5-71 | 6,75,751 | - | - | 7.755,851 | 6 53. | - | - | 7.25-81; 4. |
| Li-depositi tse nang le phetetso le ho tlosoa ka mokhoa o itseng oa lichelete | |||||||||
| Likhoeli tse 6 | - | 5.25-61; 4. | 2.8,21 | - | 5,9411 | 56. | - | 7-7,751 | 6.5-71; 4. |
| Likhoeli tse 12 | 6.5-7,251; 4; 5 | 6-6.61; 4. | 3.8-4,21 | - | 7.43-7,51 | 66. | - | 8,75-91 | 7-7,751; 4. |
| Likhoeli tse 24 | 6,75-71; 4. | 6.25-6,851; 4. | 4.8-5,21 | - | 7.8-7,951 | 66. | - | - | 7-7,751; 4. |
| 1 - ho latela palo ea depositi; Chelete ea la 2-tlase e $ 3 e sekete; Liperesente tse 3 li qosoa ka sekhahla sa depositi se ka eketseha, ka keketseho ea chelete, sekhahla sea eketseha; Karolo ea 4 lekholong ea matsete a eketsehileng e qosoa ka sekhahla sa ts'ebetso ea pele; Li-depositisitisitisiti tsa li-depositi tsa likhoeli tse 13; Liperesente tse 6 li ile tsa hatakela sekhahla sa depositi se fane ka chelete e nyane |
Thahasello le Tlhaselo
Tlatsetso ena ho kakaretso e bitsoa capitalization. Thahasello e Capital e ka ba teng qetellong ea nako ea depositi mme, mohlala, khoeli le khoeli. Tlhahiso ena e tsoang Bankeng ke e 'ngoe ea litsela tsa ho hohela tlhokomelo ea ka bosona le mofuta ona oa menehelo. Ka chelete e nyane ea chelete e ngata, ha re bue ka letho, 'me ka tse likete tse likete tse makholo) molemong oa motse-moholo o hlakile. A re nke u na le li-ruble tse likete tse 500. Likhoeli tse 12 ho 12% ka selemo. Kahoo, karolo e 'ngoe le e' ngoe ea likhoeli tsohle e tla eketseha ka li-ruble tse sekete (li-ruble tse sekete), tseo le tsona li tla romelloa ho ea thahasella. Lets'olo la sebaka sena u tla fumana "phaello" eseng li-ruble tse likete tse 60. (Joalokaha eka thahasello e ntse e eketseha qetellong ea nako ea depositi), 'me e ka ba li-ruble tse sekete tse ka bang 63.5 tse ka bang 63.5 tse ka bang likete tse 63.5.
Maemo ao ka linako tse ling a fetoha (ho thoe ke sekhahla sa phaello. Libanka tse bonolo, e ka eketsa le ho fokotseha. Mohlala, o beha chelete e ka tlase ho 10,5% ka selemo ho li-ruble, le menehelo e meng e tlasa liperesente tse nyane. Ka nako e ts'oanang, nako ea ho fumana chelete ka akhaonteng, e phahameng haholo. Kapa, ka lehlakoreng le leng, beha chelete le ho etsa lintho tse kholo. Ebe monehelo o ea sehlopheng se seng sa lisutu e phahameng ho sona li bokelloa.
Haeba ho tlosoa pele ho palo eohle ea depositi, thahasello hangata e qosoa ka sekhahla sa thahasello "sa thahasello" ho batla "li-depositi (ena hangata 0,1% ka selemo). Kahoo o hloka ho nahana ka makhetlo a ka makhetlo a leshome pele a etsa qeto ea hore na nako e be le nako efe. Ka tšohanyetso ba tla u hloka ka potlako?
| Mefuta ea li-depositi le linako tse behiloeng | "Sberbank ea Russia" | "Vneshtorgbank 24" | "Bancow bancow bancow" | RaiffeisenBank | Rosbank | Promsvyzbank | "Lenaneo la" Russian " | "Acpeletut bank" | "Union" |
|---|---|---|---|---|---|---|---|---|---|
| Li-depositi ntle le ho lokolla le ho tlosoa ka mokhoa o itseng oa lichelete | |||||||||
| Likhoeli tse 6 | 5-5,51 | 5.5-6,251 | 2.5-31 | 2.25-31; 2. | 5,74. | 6-7,51 | 5-61 | 6-6,51 | 6-6,51 |
| Likhoeli tse 12 | - | 6.5-7,751 | 3,5,51 | 2.95,511; 2. | 7.35 | 7-8,51 | 6-71 | 7.25111 | 7-7,51 |
| Likhoeli tse 24 | - | 7.5-81 | 3.5-41 | 3,19-4,051; 2. | - | - | - | - | 7-7,51 |
| Depositi le ntle le ho tlosoa hoa chelete | |||||||||
| Likhoeli tse 6 | - | 5.5-6,251 | - | - | 5,79-5.991 | 5.5-63 | 4-51 | 6-6,51 | 5.75-6,251; 4. |
| Likhoeli tse 12 | 5.5-61; 5. | 6.5-7,61 | - | - | 7.4,481 | 6.5-73. | 5-61 | 7.25111 | 6,75,27,251; 4. |
| Likhoeli tse 24 | 6.5-71 | 6,75,751 | - | - | 7.755,851 | 6 53. | - | - | 6,75,27,251; 4. |
| Li-depositi tse nang le phetetso le ho tlosoa ka mokhoa o itseng oa lichelete | |||||||||
| Likhoeli tse 6 | - | 5.25-61; 4. | 2.3-2.751 | - | 5,9411 | 56. | - | 6-6,51 | 5.5-61; 4. |
| Likhoeli tse 12 | 6.5-7,251; 4; 5 | 6-6.61; 4. | 2.8,251 | - | 7.43-7,51 | 66. | - | 7.25111 | 6.5-71; 4. |
| Likhoeli tse 24 | 6,75,51; 4. | 6.25-6,851; 4. | 3.3-351 | - | 7.8-7,951 | 66. | - | - | 6.5-71; 4. |
| 1 - ho latela palo ea depositi; Palo ea chelete e 2 e tlase ke likete tse 3; Liperesente tse 3 li qosoa ka sekhahla sa depositi se ka eketseha, ka keketseho ea chelete, sekhahla sea eketseha; Karolo ea 4 lekholong ea matsete a eketsehileng e qosoa ka sekhahla sa ts'ebetso ea pele; Li-depositisitisitisiti tsa li-depositi tsa likhoeli tse 13; Liperesente tse 6 li qosoa ka sekhahla sa ho boloka chelete e nyane |
Menehelo ea Banks
Mekhatlo ea lichelete naheng ea rona e mengata. Ho na le libanka tse kholo, tse nang le makala a mangata, 'me ho li nyane, li sebetsa ka toropo e le' ngoe. Empa khafetsa lintho tse ling tse mabapi le hore na banka e lokela ho boleloa ka chelete, e ntse e khona ho senola.
Libanka tse bopehileng le ho nka karolo ha mmuso li tšepahala ebile li matla, ntle le moo, li na le marang-rang a maholo a liofisi theo Russia. Tsoelalōlleng, sena se bolela "SARBANK ea Russia" le "Vshtorgbank" (Ts'ebetso eohle ea eona ka batho ba nang le Vneshtorgbankak 24 Brand Sepetlele, mekhatlo e joalo ea lichelete ka lebaka la ho fana ka matla a bona ha e fane ka lijana tse phahameng, ho fapana le libankeng tse tloaelehileng tsa khoebo. Haele hantle, ho tlhaho.
Libanka tse entsoeng ka ho nka karolo ea motse-moholo oa kantle ho naha, hammoho le "barali" ba machabeng ("Sinitank" e nang le litekanyetso tsa machabeng le tse phahameng tsa machabeng. Ee, ho ts'epahala ha bona ke ntho ea bohlokoa. Ka hona, mohlomong ho loketse hore ho na le chelete e ngata, e ka se e khona ho feta li-purgy tse likete tse 100, Naha ea inshorense. Empa ikemisetse hore u se ke oa fuoa litefiso tse phahameng haholo tsa phaello ho li-depositi.
Libanka tsa khoebo li kholo ebile li le nyane - e 'ngoe ka tsela ea hau: e' ngoe e phatlalatsa litefiso tsa hau tsa thahasello 'marakeng, tse ling li hlahisa bukeng ea Palo e kholo mohlomong ha ea lokela. Ho betere, pheta, ho tsamaisa chelete bakeng sa li-ruble tse likete tse 100. 'me ke sebaka mabopong a mangata a khoebo. Empa qeto ea ho qetela e lula e le bakeng sa hau.
Bakeng sa nako e kae ho molemo ho beha chelete monehelo ona?
Re ile ra kopa potso ena ho araba baemeli ba Banks tse kholo tsa Russia.
Natalia Konovalova, mopresident o moholo oa Vice "Vshtorgbankn litšebeletso": "Menehelo e ntle ka ho fetisisa ea selemo e fetang selemo se phahameng ho bona. Ka ho khetha tlatsetso e nepahetseng ka sekhahla sa phaello, leha e le Litefiso tsa mmaraka ho li-deposits li fokotsehile ntlheng ena. "
Lydia Herzen, Motsamaisi oa The Chamsvyznkak Retail ea Khoebo ea Khoebo ea Promsvyznkak "Ke nka likhoeli tse 6, likhoeli tse 9 le selemo se le seng ka lipehelo tsa chelete ka mekhahlelo e phahameng. Ntle le moo, menyetla ea chelete e fokotsehile. "
Ekateina Demygin, molulasetulo oa Botle oa board ea soyuz: "Khetho ea depositi leline ea eona e itšetlehile ka sepheo sa moreki. Haeba e na le thahasello e ngata (ho bona, e le molao, litekanyetso tse phahameng tsa thahasello e tla etsa hore tšebeliso e itseng (mohlala, reka koloi), ebe e netefatsa hore ho tla felisoa ka letsatsi lena. Ho na le sehlopha sa bareki bakeng sa li-depositi le litsietsi ka mafolofolo sethala sa menehelo ea tsona. 'Musi o fanoeng ke mokhatlo oa banka o ntse o le ho ho etsa ntle le mathata. "
Dmitry Dmimitry, motsamaisi oa Motlatsi oa Lefapha la Banenk Retail: "Libanka tse ngata ka ho fetisisa tsa bona tsa polokelo li tsepamisitse maikutlo ho likoloto tsa" tse telele "(chelete e ntle ka ho fetisisa.) Ho etsoa ka sepheo sena, barekisi ba bangata ba entsoe ka nako ea ho beoa. Ka hona, nako e ntle ka ho fetisisa ea ho beoa chelete likhoeli tse 9 le tse ling. "
Ka bankeng ea karolo ea eona ea li-depositi, e rarahaneng kapa e bonolo. Mefuta eohle ea lijana e ka aroloa ka lihlopha tse tharo: ntle le monyetla oa ho tlola chelete le ka tsela e itseng, ka monyetla oa ho qeta chelete le ho tlosoa ka nako e 'ngoe. Mofuta oa pele oa depositi o fana ka libanka tsohle ntle le khethollo. Ka depositing joalo, ho molemo ho boloka chelete e ngata - palo e kholo ea palo, phaello e kholo eo u tla e fumana. Empa, ka lehlakoreng le leng, phihlello ea chelete e ke ke ea khonahala (ntle le haeba u se u loketse ho hana chelete). Liponane tse nang le bokhoni ba ho khutlisa akhaonto (Cormulative) li loketse "ho ruisa." Ketsahalo e le 'ngoe feela ke hore ho ke ke ha khoneha ho tlosa chelete ntle le tahlehelo ea chelete. E loketseng ka ho fetisisa e lokela ho bonoa e na le monyetla oa ho etsa menehelo e eketsehileng le ho tlosoa ka tsela e itseng ea lichelete. Mohlala o motle oa monehelo o joalo ke "banka ea machabeng", e leng, ho latela Aksenov, Hlooho ea banka ea hajoale, empa e le haholo Sekhahla se Kholo tsa Thahasello.
Libanka tse sisimosang li na le menehelo ea bona e ntle. Ba bang ba bona ba u lumella ho bokella chelete haeba ho se ka foleteng, ka nako eo, bonyane tlatsetso ea pele ea mokoloto. Mona ke mehlala: Tlatsetso ea "Mokoloto" oa "About Bank" le "Morero oa Bolu" Banka "Banka". Lijana tsena ha li ntle feela ka "bokella". Mechine e meng khafetsa, u theha setšoantšo sa rona sa bokamoso ... re tla bua ka sona ka makhetlo a 'maloa maqepheng a makasine eo.
Bahlophisi ba le leboha "ka SARBANK ea Russia", "ComsvyBan", "Rafbank", "Rafbacenk", " Monkey ea machabeng Moscow Bank "bakeng sa thuso ho hlophisa ho nka lifoto mme o fane ka tlhahisoleseling.