Inkqubo yedipozithi yabantu kwiibhanki zaseRussia: Isixa sokuqala segalelo, i-inshurensi yotyalo-mali, iimeko kunye nexesha lokubekwa kwemali.
Ngokwakhe ukuba aqokelele imali kwindlu, ayisiyiyo iphupha eliblowu yabantu abaninzi? Ukunganyanzelekanga ukuba bakhe intlalo-ntle kwidrafeni, bave njengosuku losuku ... i-Azodno iyakhusela imali ekunyukeni kwamaxabiso. Konke oku kunokufezekiswa, ukuqalisa iminikelo kwibhanki ethembekileyo.
Ngaxeshanye ngokuphuculwa kwemeko yezoqoqosho ngokubanzi kunye nokunyuka kwamaxabiso eoyile, onke amaxabiso enzala (zombini iidiphozithi kunye nemali mboleko) zincitshisiwe, kwaye azicothisi kakhulu. (Kodwa apha thina, sisekude kwinqanaba laseYurophu naseMelika, apho iminwe yanele ukubala inqanaba lenzala kwelinye icala, ngo-2004. Kuyenzeka ukuba ubeke i-ruble unyaka ongaphantsi kwe-12-13% ngonyaka. Ngoku le mpumelelo ayizukuphinda iphinde: Oku kwehla, imali yaseRussia ithathelwa ingqalelo ngumndilili we-10%. Ukongeza kwimicimbi yenzuzo, konke, kunjalo, kukukhathazeka ezinye iingxaki ezinxulumene nemali yazo.
Yeyiphi imali ekhethiweyo: ikhaya, iMelika okanye ihlule iYurophu? Ngalo ixesha elingakanani kwaye phantsi kwaziphi iimeko efake imali ebhankini? Ngaba kuyingozi ukunika "i-Alien engacacanga"? Urhulumente unceda njani abo babemi bazo uqhushumbe? Zeziphi iintlobo zemirhumo ezayo kunye neebhanki zokunceda abathengi babo? Nantsi isangqa semibuzo yengxoxo yanamhlanje.
I-ruble, iidola okanye ii-euro?
Ngaphambili, "watsho othi," Ukoyikisa wonke umntu (khumbula imbambano 1998). Ngoku, ngokuchaseneyo, tsala. Ngokweenkcukacha-manani, uninzi lwabemi baseRussia ngoku bagcina imali kwiibhanki kwii-ruble. (Kuyinyani, ayiziwa mntu ukuba yimalini "eluhlaza" esenza "isitokhwe".) Unobangela wothando lwangoku, mhlawumbi ezimbini. Okokuqala, sithembeke ngakumbi ngabasemagunyeni kunye nemigaqo-nkqubo yabo - imiziselo yoqoqosho kunye nokukhula kwe-GDP kuyabonakala. Okwesibini, ngokweedipozithi ze-ruble, iibhanki zibonelela nge-bo / ubunzima bomzimba. Thelekisa amanani aphakathi: Malunga ne-10% ngonyaka kwidipozithi kwi-ruble, malunga ne-7% kwiidola kunye ne-6% kwii-Euro. Iibhanki zamanzi, kwinani elibandakanya, umzekelo, "i-Sberbenbank yaseRussia", "Veshrchtorggebank" ")," Rosbank "," Rosbank ", kwaye kwezinye zikho Kwahlukile: kwiRhafu ye-Euro malunga ne-1% esezantsi kunedola.Ukuthandabuza, kweliphi imali ebibeka imali, ebizwa ngokuba yiIpodi yeZizwe ezininzi i-perevity (kwidipozithi enye, i-ruble, iidola kunye nee-euros zinokuxoka). Imirhumo eyongezelelweyo ihlala ithathiwe kuyo nayiphi na kwezi mali. Uhlobo olunjalo lwedipozithi lusemgceni lwebhanki "Yamanyano", "uvusa", kwi "promswotbazk" idr. Inzala kwezi zidipozithi zinokulingana okanye zingaphantsi kancinci kunezixhobo ezisemgangathweni kwimali enye.
Ixabiso lediphozithi
Nayiphi na ibhanki iyingenelo kuwe ukuba igcine kuyo njengemali eninzi - iimali zemali ziyayazi indlela yokulahla imali ephakanyisiweyo. (Eyona ndlela ilula kukukhupha imali mboleko emva kokubheja, ngaphezulu kwepesenti yedipozithi yakho. Nantsi inzuzo.) Kuyingenelo ukugcina imali eninzi kwidipozithi. Nantsi imizekelo emibini elula. Ekuqaleni. Ukuba uthatha isigqibo sokubeka i-1 yabathengisi i-1 (i-13 ngqo kwiinyanga ezili-13), uya kunikwa ukubhekiswa kwe-5.5% ngonyaka (kwaye ukuba, i-5 yedola kwaye Okungakumbi, emva koko i-6% ngonyaka. Umahluko uya kuba ziidola ezi-5 kwiwaka. Ingabonakala incinci, kodwa ibaluleke kakhulu. Umzekelo wesibini. "I-Promsvywbash", umnikelo "Classic", ixesha ukuya kunyaka omnye. Ngenani lediphozithi ukuya kumawaka amahlanu amawaka ruble. Ireyithi iya kuba yi-10%, ukusuka kwi-30 ukuya kwi-300 yamawaka ruble. - 10.5%, kwaye, masithi, sisuka kwi-500 ye-11% ngonyaka. Umahluko kwi-1% uya kunika inyuka kwii-ruble ezingama-300. ngamawaka amawaka amawaka. Iibhanki ezahlukileyo, ezinjenge-Raiffeisenank, musa ukusebenza ngemali encinci kuzo zonke: ubuncinci bediphozithi apha ngamawaka ama-90 amawaka e-United States okanye i-eurol.
Ixesha elide imali obambe ebhankini, uyandiva. Ibhanki nganye ingumbutho omkhulu okanye umncinci ozayo uqinile okanye ubuncinci uvelisa umbono onjalo. Kodwa nayiphi na inqaba eqingqiweyo isenokuba yinqaba nje ukusuka kwisanti kwaye ityhuwe ubusuku bonke. Ibhanki ephambili yenyanga ikhumbula ilayisensi yebhanki, inokwenzeka ukuba ivakalise i-bankrupt (inkqubo ye-callbsacy ihlala iminyaka). Intsha kuqokelelwa kwememori yeedipozithi zedipozithi ilahlekelwe kwi-90s. "I-Chora", "IKOMNK" kunye neminye imibutho efanayo. Ungazikhusela njani, ungaphulukani noTyalo-mali lwakho? Impendulo ilula: Kufuneka ungabi ngaphezu kwe-100 lamawaka ruble kwibhanki nganye. Esi sesona sixa siphezulu sokuba urhulumente osinyanzelayo kuthi ukuba ibhanki ikhuphe ilayisensi (ngokungqinelana noMthetho weinshurensi yeinshurensi).
| Iindidi zeedipozithi kunye nemihla emileyo | "I-sberbank yaseRussia" | "Vneshtorgbank 24" | "Ibhanki ye-moscow yehlabathi" | I-Raiffeisinbank | Rosbank | Promswotbazbank | "Umgangatho wamaRashiya" | "Ibhanki epheleleyo" | "Umanyano" |
|---|---|---|---|---|---|---|---|---|---|
| Iidipozithi ngaphandle kokugcwaliswa kwakhona kunye nokususwa kwemali | |||||||||
| Iinyanga ezi-6 | 7. | 7.5-8.5% 1. | 6-71 | I-5,85-6,951; 2. | 7.05. | 9-101 | I-10-121 | I-9-111 | I-10-10,751 |
| Iinyanga ezili-12 | - | I-9-10% 1. | 7.5-8,51 | 5,9-81; 2. | I-9,55 | 10.5-111 | 12-131 | 11.25-12,251 | 11-11,51 |
| Iinyanga ezingama-24 | - | 8.5-9,61 | 7.5-8,51 | 6.8-91; 2. | - | - | - | - | I-10-121 |
| Idiphozithi kwaye ngaphandle kokususwa kwemali | |||||||||
| Iinyanga ezi-6 | - | I-7-8,51 | - | - | 7.15-7,351 | 8.5-93 | 9-101 | I-9-111 | 9.75-10.51; 4. |
| Iinyanga ezili-12 | 8.5-9.51; 5. | 8.5-101 | - | - | 9.6-9,71 | 10-10, 253. | I-10-111 | 11.25-12,251 | 10.75-11.251; 4. |
| Iinyanga ezingama-24 | 8.5-9,51 | 8.5-9,51 | - | - | 10.25-10,41 | I-9,53. | - | - | 9.75-11,751; 4. |
| Iidipozithi zokugcwaliswa kwakhona kunye nokususwa kwemali | |||||||||
| Iinyanga ezi-6 | - | I-7-81; 4. | 5.5-6.25 | - | 7.25. | 7,56. | - | I-9-111 | 9.5-10.251; 4. |
| Iinyanga ezili-12 | - | 8.25-9,251; 4. | I-7-7,75 | - | 9.75-101 | I-96. | - | 11.25-12,251 | 10.5-111; 4. |
| Iinyanga ezingama-24 | 6.75-7,51 | 7.5-8,751; 4. | 6.8-7.55 | - | 10.3-10,51 | I-96. | - | - | 9.5-11.51; 4. |
| 1- kuxhomekeke kwimali yedipozithi; Ubuncinci be-2nd yedipozithi yi-90 lamawaka i-ruble; Iipesenti ezi-3 zihlawuliswa ngenqanaba ledipozithi, ngokunyuka kwenani, iqondo lonyuso; Ireyithi ye-4- pesenti yotyalo-mali eyongezelelweyo ihlawuliswa kwinqanaba lemirhumo yokuqala; Iidipozithi ezi-5 zeenyanga ezili-13; Iipesenti ezi-6 ziqokelelwe kwinqanaba ledipozithi kunye nemeko yokugcina ubuncinci bexabiso |
Iidipozithi ze-inshurensi
Yintoni? Ukuba kwi-nityell, emva koko urhulumente uqinisekisa ukubuyiswa kwedipozithi. Amathuba e-Inshurensi yedipozithi yokoqobo ngokwesiqhelo kwiminyaka embalwa edlulileyo akukho mntu ukrokrelweyo. Abantu bagcina imali ekhaya, boyika ukubanika ibhanki. Kodwa ngo-2003. Ukuva babanjwa: I-Central Bank iya kukuqhuba ukhetho lweebhanki kwiNkqubo ye-Inshurensi yedipozithi. Iya kuba yintoni loo nto, nkqu nabathathi-nxaxheba bentengiso abanamava abazaziyo. Besoyikisa: Kuthekani ukuba abathatyathwa?Ngokuhambelana noMthetho kwi-Inshurensi yokuThomboloza, urhulumente uqinisekisa abemi ukubuya okungaphezulu kwamawaka ayi-100 ruble. Ukuba ibhanki ikhuphe ilayisensi.
Ngamafutshane, Disemba 23, 2003. Umthetho ongu. 177-FZ ubonakala "kwi-inshurensi ye-Inshurensi yabantu kwiibhanki zeRussian Federation". Ubunyani bayo buyehla kwilandelayo. I-Arhente yeQumrhu ye-Inshurensi ye-Inshurensi "(DR) yi-inshurensi (njengenkampani yeinshurensi), iibhanki zawo zihlala zidwelisa i-inshurensi. Idiphozithi yeebhanki kwindawo yokwenzeka komcimbi we-inshurensi (edla ngokutshintshwa kwelayisensi kumbutho wezemali) ABANGCWANGCISO: Babuyiselwa kwimbuyekezo ye-inshurensi. Ubungakanani bayo ngokuhambelana noMthetho wangoku awunakudlula kwi-100 lamawaka ruble. Nokuba ungakanani umthengi ebhankini.
Kukho ithemba lokuba ivolumu yembuyekezo iya kutshintsha kwixesha elizayo: Isicelo segalelo le-DSA esinegalelo lokuphucula inani le-inshurensi ye-inshurensi evela phakathi ku-2006. Kwiliwaka le-ruble i-ruble, kwaye ngo-2007. - Enye i-100 lamawaka amawaka iruble. Kodwa ngama-90% kuphela avela kwikhulu ngalinye, oko kukuthi, i-280 yamawaka ama-ruble iya kubuyiswa.
Ekupheleni kukaSeptemba ngo-2005 Kwinkqubo yeinshurensi yedipozithi (i-CER) ibandakanya iibhanki ezingama-927 zaseRussia apho kukho i-98% yemirhumo yabantu. Ngendlela, yonke imibutho yezemali kwinqaku lethu ngamaqela kwi-CER.
| Iindidi zeedipozithi kunye nemihla emileyo | "I-sberbank yaseRussia" | "Vneshtorgbank 24" | "Ibhanki ye-moscow yehlabathi" | I-Raiffeisinbank | Rosbank | Promswotbazbank | "Umgangatho wamaRashiya" | "Ibhanki epheleleyo" | "Umanyano" |
|---|---|---|---|---|---|---|---|---|---|
| Iidipozithi ngaphandle kokugcwaliswa kwakhona kunye nokususwa kwemali | |||||||||
| Iinyanga ezi-6 | I-5-5,51 | 5.5-6,251 | 3-3,51 | 1.8-221; 2. | I-5,74. | 6-7,51 | 6-71 | I-7-7,751 | I-7-7,51 |
| Iinyanga ezili-12 | - | 6.5-7,751 | 4-4,51 | 3.01-41; 2. | 7.35 | I-7-8,51 | I-7-81 | I-8,75-91 | 7.5-8,251 |
| Iinyanga ezingama-24 | - | 7.5-81 | I-5-5,51 | 4-51; 2. | - | - | - | - | 7.5-8,251 |
| Idiphozithi kwaye ngaphandle kokususwa kwemali | |||||||||
| Iinyanga ezi-6 | - | 5.5-6,251 | - | - | I-5,79-5.991 | 5.5-63 | I-5-61 | I-7-7,751 | I-6,75-7,2,251; 4. |
| Iinyanga ezili-12 | 5.5-61; 5. | 6.5-7,61 | - | - | 7.4-7,481 | 6.5-73. | 6-71 | I-8,75-91 | 7.25-81; 4. |
| Iinyanga ezingama-24 | 6.5-711 | I-6,75-7,751 | - | - | 7.75-7,851 | 6,53. | - | - | 7.25-81; 4. |
| Iidipozithi zokugcwaliswa kwakhona kunye nokususwa kwemali | |||||||||
| Iinyanga ezi-6 | - | 5.25-61; 4. | 2.8-3,21 | - | I-5,94-61 | 56. | - | I-7-7,751 | 6.5-71; 4. |
| Iinyanga ezili-12 | 6.5-7,251; 4; 5 | 6-6.6.6.61; 4. | 3.8-4,21 | - | 7.43-7,51 | 66. | - | I-8,75-91 | 7-7,751; 4. |
| Iinyanga ezingama-24 | I-6,75-71; 4. | 6.25-6,851; 4. | 4.8-5,21 | - | 7.8-7,951 | 66. | - | - | 7-7,751; 4. |
| 1-kuxhomekeke kwimali yedipozithi; Ixabiso le-2 elincinci lediphozithi yi- $ 3 i-US; Iipesenti ezi-3 zihlawuliswa ngenqanaba ledipozithi, ngokunyuka kwenani, iqondo lonyuso; Ixabiso le-4 pesenti yotyalo-mali olongezelelweyo luhlawuliswa kwinqanaba lemirhumo yokuqala; Iidipozithi ezi-5 iinyanga ezili-5; Iipesenti ezi-6 eziqokelelwe kwireyithi yediphozithi zinikeze ubuncinci |
Inzala kunye nokuqokelelwa
Olu bongezelelo kwinani lokuqala lubizwa ngokuba yingxowa-mali. Inzala yemali enkulu inokuba bobabini ekupheleni kwexesha lediphozithi kwaye, umzekelo, ngenyanga. Esi sicelo esivela ebhankini yenye yeendlela zokutsala ingqalelo ngokwayo kunye nolu hlobo lweminikelo. Ngamaxabiso amancinci engeniso enkulu, asithethi malunga, kwaye singamakhulu amabini (amakhulu amawaka amawaka eruble) isibonelelo somtyali-mali sicacile. Masithi ubeke i-500 yamawaka ruble. Iinyanga ezili-12 nge-12% ngonyaka. Ke, umnikelo weenyanga zonke uya konyuka nge-1% (amawaka ama-5 amawaka), oya kuthi aqokelelwe kwinzala. Iphulo lokufumana inkomfa uya kufumana "Inzuzo" ayinamawaka angama-60 nje ngamawaka e-60. (ngokungathi inzala iqokelelwe ekupheleni kwexesha lediphozithi), kwaye malunga ne-63.5 i-ruble yamawaka, kulungile.
Iimeko zegalelo ngamanye amaxesha zitshintsha (ezibizwa ngokuba zinomgangatho). Iibhanki ezilula, nazo zombini zinokunyuka zinciphise. Umzekelo, ubeke i-10,5% ngonyaka kwi-ruble, kwaye iminikelo eyongezelelweyo iphantsi kweepesenti ezincinci. Kwangelo xesha, ixesha elingakumbi lokufumana imali kwiakhawunti, ukuphakama kokubheja. Okanye, ngokuchaseneyo, faka imali kwaye wenze i-Innovations enkulu. Ke umnikelo uya kolunye udidi lweepesenti eziphezulu.
Kwimeko yokususwa kwangethuba kwenani lediphozithi yediphozithi, inzala ihlala ihlawuliswa kwixabiso lenzala elihlekisayo "Ukunyanzelwa" iidipozithi (oku kuhlala kuyi-0.1% ngonyaka). Ke kufuneka ucinge malunga namaxesha alishumi ngaphambi kokuba uthathe isigqibo sokuba leliphi ixesha elibeka imali. Ngequbuliso bayakufuna ngokukhawuleza?
| Iindidi zeedipozithi kunye nemihla emileyo | "I-sberbank yaseRussia" | "Vneshtorgbank 24" | "Ibhanki ye-moscow yehlabathi" | I-Raiffeisinbank | Rosbank | Promswotbazbank | "Umgangatho wamaRashiya" | "Ibhanki epheleleyo" | "Umanyano" |
|---|---|---|---|---|---|---|---|---|---|
| Iidipozithi ngaphandle kokugcwaliswa kwakhona kunye nokususwa kwemali | |||||||||
| Iinyanga ezi-6 | I-5-5,51 | 5.5-6,251 | 2.5-31 | 2.25-31; 2. | I-5,74. | 6-7,51 | I-5-61 | 6-6,51 | 6-6,51 |
| Iinyanga ezili-12 | - | 6.5-7,751 | 3-3,51 | 2.955,511; 2. | 7.35 | I-7-8,51 | 6-71 | 7.25-81 | I-7-7,51 |
| Iinyanga ezingama-24 | - | 7.5-81 | 3.5-41 | 3,19-4,051; 2. | - | - | - | - | I-7-7,51 |
| Idiphozithi kwaye ngaphandle kokususwa kwemali | |||||||||
| Iinyanga ezi-6 | - | 5.5-6,251 | - | - | I-5,79-5.991 | 5.5-63 | 4-51 | 6-6,51 | 5.75-6,251; 4. |
| Iinyanga ezili-12 | 5.5-61; 5. | 6.5-7,61 | - | - | 7.4-7,481 | 6.5-73. | I-5-61 | 7.25-81 | I-6,75-7,2,251; 4. |
| Iinyanga ezingama-24 | 6.5-711 | I-6,75-7,751 | - | - | 7.75-7,851 | 6,53. | - | - | I-6,75-7,2,251; 4. |
| Iidipozithi zokugcwaliswa kwakhona kunye nokususwa kwemali | |||||||||
| Iinyanga ezi-6 | - | 5.25-61; 4. | 2.3-2.751 | - | I-5,94-61 | 56. | - | 6-6,51 | 5.5-61; 4. |
| Iinyanga ezili-12 | 6.5-7,251; 4; 5 | 6-6.6.6.61; 4. | 2.8-3,251 | - | 7.43-7,51 | 66. | - | 7.25-81 | 6.5-71; 4. |
| Iinyanga ezingama-24 | I-6,75-7,51; 4. | 6.25-6,851; 4. | 3.3-3,751 | - | 7.8-7,951 | 66. | - | - | 6.5-71; 4. |
| 1-kuxhomekeke kwimali yedipozithi; Isixa sedipozithi esi-2 ubuncinci singamawaka amawaka; Iipesenti ezi-3 zihlawuliswa ngenqanaba ledipozithi, ngokunyuka kwenani, iqondo lonyuso; Ixabiso le-4 pesenti yotyalo-mali olongezelelweyo luhlawuliswa kwinqanaba lemirhumo yokuqala; Iidipozithi ezi-5 iinyanga ezili-5; Iipesenti ezi-6 zihlawuliswa ngexabiso lereyithi yokugcina ubuncinci bexabiso |
I-Bants Igalelo
Imibutho yezemali kwilizwe lethu zininzi. Kukho iibhanki ezinkulu, ngamasebe amaninzi, kwaye zincinci, zibambekile kwisixeko esinye. Kodwa ezinye izinto ezihamba rhoqo ebhankini kufuneka zichazwe yimali, kusenokwenzeka ukuba ziveze.
Iibhanki ezenziwe ngokuthatha inxaxheba kukaRhulumente zinokuthenjwa kwaye zomelele, ngaphandle koko, zinethuna olukhulu lweeofisi kulo lonke elaseRussia. Phambili, oku kubhekisa kwi "Sberbank yaseRussia" kunye ne "Vneshtorgbank" (yonke imisebenzi enabantu ngoku ihamba phantsi kwe-vneshtorgbank 24 uphawu). Isibhedlele, ezo zinto zinemibutho yemali ngenxa yokuba namandla abo angenzi ukuba zingaphezulu kwemali yedipozithi, ngokungafaniyo neebhanki eziqhelekileyo zorhwebo. Ewe, kuyinto yendalo.
Iibhanki zenziwe ngokuthatha inxaxheba kwemali enkulu, kunye neentombi "zebhanki yamanye amazwe (" iBhanki yeMoscow "," Sitibankinbank "kunye nabanye) baBerators zaMazwe ngaMazwe aphesheya kunye namanye amazwe. Ewe, ukuthembeka kwabo akunakufaneki. Ke ngoko, kusenokwenzeka ukuba kufanelekile ukuba kuthwale imali eninzi, ngokungachumiyo ukusuka kwi-100 lamawaka ruble, imeko ye-inshurensi. Kodwa zilungiselele inyani yokuba uza kunikezelwa hayi amaxabiso enzala ephezulu kwidipozithi.
Iibhanki zorhwebo zinkulu kwaye zincinci- ezilungileyo-zilungele indlela yakho: Inye ikwindawo yakho ecaleni kwendlu yakho, elesithathu ibeka i-buddy ... i-Btach Banks ibeka kwidipozithi ye Izibalo ezinkulu mhlawumbi azifanele. Ngcono, phinda, usasaze imali yeenxalenye ezili-100 ze-ruble. kwaye ubeke kwiibhanki zendlu yekhaya. Kodwa isigqibo sokugqibela sihlala kuwe.
Kungcono ukubeka imali kwigalelo?
Sicele lo mbuzo ukuba aphendule abameli beebhanki ezinkulu zaseRussia.
I-Nanalia Konovalova, uMongameli oMkhulu we-vice "vneshtorgbank teriles": "Elona galelo linomdla kangangexesha elingaphezulu konyaka lelona nqanaba liphezulu. Ngokukhetha igalelo elifanelekileyo kwinqanaba lenzala elisigxina, unokubeka imali eyongezelelweyo phantsi kwediphozithi, nokuba Amaxabiso entengiso kwidipozithi yehla kule nqaku. "
U-Lydia Herzen, UMlawuli wePromsvbankbank Simahla Akukho mlinganiselo "Ndithatha iinyanga ezi-6, iinyanga ezili-9 kunye nonyaka omnye kwimigangatho yenkxaso-mali yenkxaso-mali. Ukongeza, umngcipheko weemali zokunyuka kwamaxabiso kuncitshisiwe. "
I-Ekaterina Dedelgin, usekela-sihlalo weBhodi ye-Soyuz Bank: "Ukukhetha idipozithi kunye nomhla wokugqibela obekiweyo kuxhomekeke kwiinjongo zabathengi. Ukuba unomdla kwesona sivuno siphezulu, emva koko ukukhetha kweenkqubo zexesha elide (kubo, amaxabiso anenzala asekwe). Ukuba igalelo izakwenza inkcitho ethile (umzekelo, ithenga imoto), oko kusenokwenzeka ukuba isenyameko- qinisekisa ukuphela kwegalelo kulo mhla. Kukho udidi lweedipozithi zediphozithi kunye neMigaqo-nkqubo yazo Iphothifoliyo yeminikelo yabo. Umlawuli onikelwa nguManyano yiBhanki usenokuba uyenzile ngaphandle kobunzima. "
I-DMIMMMY DIMMMIY, USEKHAYA LENKONZO YAMABANDLA ICandelo leShishini leRosbank: "Uninzi lweebhanki kwimigaqo-nkqubo yazo yediphozithi zijolise ekumiselweni kweyona nto iphambili" yento ende "ye-" ende (apha-etyhidiweyo.). Ngokusekwe kwezi njongo, ezona zinto zintle zebhanki zenziwa kwi-posits. Ke ngoko, elona xesha lilungileyo lokubekwa imali kwiinyanga ezisi-9 nangaphezulu. "
Yibhanki yomgca wayo weediphozithi, ubunzima okanye zilula. Zonke iintlobo zeedipozithi zinokwahlulwa zibe ngamaqela amathathu: Ngaphandle kwendlela yokuqalisa kwakhona kunye nokususwa kwemali, kunye nokuba kungenzeka ukuba intshayelelo iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde ibuyise imali. Uhlobo lokuqala lwediphozithi inikezela zonke iibhanki ngaphandle kokukhetha. Kwiidipozithi ezinjalo, kulungile ukugcina imali ebalulekileyo-inani elikhulu lexabiso, ingeniso enkulu oya kuyifumana. Kodwa, kwelinye icala, ukufikelela kwimali akunakwenzeka (ngaphandle kokuba ukulungele ukwala ingeniso). Iidipozithi ezinokwazi ukugcwalisa i-akhawunti (eqokelelweyo) zilungele "ubutyebi." Ekuphela kwendlela yokubuyela kukungabinakho ukususa imali ngaphandle kwelahleko. Ezona zilungileyo kufuneka ziqwalaselwe iidipozithi zendlela yokwenza igalelo elongezelelweyo kunye nokususwa kwemali. Umzekelo Ofanelekileyo Wokwenza Igalelo "lokonga" "IBhanki ye-Moscow", ethi, ngokutsho kwe-Alexei Aksenov, ngokutsho kwe-Alexei Aksenov, ngokweenkonzo zebhanki ye-akhawunti yangoku, kodwa ininzi kakhulu inqanaba lenzala enkulu.
Iibhanki ezimangalisayo zinegalelo labo elinomtsalane. Abanye babo bakuvumela ukuba uqokelele imali ukuba ayikho kwindlu, ubuncinci kwigalelo lokuqala lemali mboleko. Nantsi imizekelo: Igalelo "le-Murebature" kwi "Bank Poty" kunye "neProjekthi yeZindlu" kwiBhanki "imvuselelo". Ezi diphozithi azilunganga kuphela "ngokuqokelelwa" kwabo. Imirhumo eyongezelelweyo rhoqo, wenza umfanekiso wethu wobolekayo kwixesha elizayo ... Siya kuthetha ngayo ngaphezulu kwephepha lephephabhuku.
Abahleli bebulela "i-sberbank yaseRussia", "Viffeisezana", "Rosbanki", "UMGAQO-NKQUBO", "UMGAQO-NKQUBO", "Ibhanki yaseRussia", " Ibhanki ye-moscow yelizwe jikelele "yoncedo lokulungiselela ukufota kunye nokubonelela ngolwazi.