"Baltic Bank": matsaloli tare da "Babban Bankin" (2014)

"Baltic Bank" - daya daga cikin tsofaffin kasuwanci kamfanoni, fara ta aiki a cikin ƙasa na Rasha Federation a shekarar 1989, bayan samun dace lasisi daga Bank of Rasha. AMINCI da kwarewa matakin na hallara nuna kudi ma'aikata a ajiya da inshora tsarin da SWIFT al'umma. Amma ba haka ba da dadewa, akwai shaida cewa akwai matsaloli a cikin "Baltic Bank" tare da Central Bank.

Tarihi na ci gaba

Birnin Leningrad, Innovation Commercial Bank aka sake masa suna da "Baltic" a cikin 'yan watanni bayan da kungiyar. Shekaru hudu daga baya, ya samu wani lasisi da za su gudanar ma'amaloli a kudin kasashen waje da kuma shiga SWIFT. A shekarar 1994 ya fara aiki tare da daraja karafa, batun katunan MasterCard. A daidai wannan lokaci, akwai tashoshi samun cards. Yana kaddamar da wani tsarin for m samun asusun. A shekara daga baya, bankin ya fara bayar da yarda credits da kuma aiwatar da farko checkbook.

A 1997 ya zo na farko ATMs "Baltic Bank", aka kaddamar da tsarin na cashless biya, kazalika da biyan mai amfani da sabis. shirin na jinginar gida da kuma mota bashin da aka gabatar bayan shekaru biyu. A 2000, na farko da katunan da aka bayar da visa Electron, Gold, Business kuma Classic. Bayan zare kudi fara bayarwa katunan bashi. "Baltic" ya zama memba na biya tsarin "Golden Crown".

By 2010, cikin kewayon kudi ayyuka sun hada da: adibas a kasa da kasa da kudin kasashen waje, da aiwatar da bashi da biyan bashin cards, rance ga dalilai daban-daban, bude da kuma rike asusun, kudi canja wurin, ciki har da Western Union tsarin, samun biya, ma'amaloli da Central Bank, hadari akwatin ajiya haya, da sauransu.

A sakamakon

Fiye da shekaru 24 na aiki da banki samu 18,000 kamfanoni da miliyan 2.5 masu zaman kansu abokan ciniki, ya ɓullo da wani cibiyar sadarwa na ofisoshin a 31 biranen Rasha Federation, ya bayar da fiye da miliyan 1.3 roba cards da kuma shigar da wani rabin dubu ATMs. Hadin gwiwa tare da WESTERN UNION, MasterCard da visa International gudummawar da ci gaban da wani kudi kungiyar. A shekarar 2012, bashi ma'aikata dauki 66th wuri cikin sharuddan net dukiya, 13 da yawan roba cards da ATMs.

"Baltic Bank": matsaloli

20.08.2014 A Central Bank sanar da bullo da wani rikon gwamnatin a cikin "Baltic". Wannan aiki da aka neme su da "Agency strass adibas" na tsawon watanni shida. A karkashin shirin, DIA, ya kula da liquidity na banki za a] en da biliyan 10 rubles a lokacin shekara. Control na dawo hanya aka yi DIA. A nan gaba ya kamata mu zabi wani asibitin wani.

An kwanan zama sane da shawarar da sulhu kotu na banki ta kore daga cikin ginin. A lokaci na haya kan gabatarwa kare a watan Mayu 2013. The daftarin aiki da aka sanya hannu tare da "Tarayya Property Management Agency" a 2004. Lessee - "Baltic Bank" (St. Petersburg). dubagari matsalar da aka aggravated da ciki rikici na hannun jeri. A cewar shafin, da dukiya da wani kudi ma'aikata mallakar Shugaba Oleg Shigaev, LLC "Baltic Ciniki House" (for 49,877%) kuma Elena Prokhorenko (0.13%). Fiye da shekara da suka wuce akwai jita-jita, da cewa banki so ya sayar. Amma hannun jeri ba zai iya yarda a kan farashin. Don warware bambance-bambance suka tafi kotu.

More cikakken bayani game da dubagari

A cewar manazarta, da adadin cewa Central Bank ya miƙa ga maida, shi ne kadan, don haka da layi ba shi da jira ga sanatorium. Daga nasu kudi, "Bank of Rasha" zai samar da rance mai biliyan 10 rubles, yayin da kayyadewa yana samun wani mai saka jari domin farfado da bashi ma'aikata. Amma fitowan na zargin m yadda ake gudanar da wani kudi ma'aikata da dukiyar da ya tsananta halin da ake ciki. Idan bayanai da aka tabbatar, da bayanai za a daukar kwayar cutar zuwa jami'an tsaro. Ya zuwa yanzu, bankin ya ci gaba da aiki, samar da wani cikakken kewayon ayyuka ba tare da bata lokaci ba da kuma tsoro.

Matsaloli a cikin "Baltic Bank" saboda da manyan yawan "maras aiki" dukiya. Wannan ya haddasa liquidity hadarin. Hannun jeri kuma manajoji ba zai iya sarrafa adadin fiye da miliyan dubu 40 rubles. Wannan halin da ake ciki, a daya hannun, zai sa kudi matsaloli, da kuma a kan sauran - ya sa ya yiwu don jawo hankalin masu zuba jari sabon zuwa "Baltic Bank".

Matsaloli tare da Babban Bankin saboda gaskiyar cewa kudi ma'aikata ba guda bashi rating da jimawa ba. Yana ba ya kiyaye da kudi na yankin jama'a kansu. A karshen shekarar bara, "Kwararre RA" ya saukar da banki ta rating saboda low babban birnin kasar rabo da kuma babban adadin asusun receivable.

Cikas ga dawo da

A cewar Interfax, 69 a cikin sharuddan da kadarori bautarka "Baltic Bank". Matsaloli na 2014 na iya faruwa a lokacin dawo da hanyoyin. A wata babbar bashi ma'aikata iya zama sabon wajibai. A gwaji ɓangare na dukiya da aka alaka da shi daga cikin kasuwanci. Saboda haka, fata sanitize tukunya kadan. A daidai adadin alaƙa dukiya da za a iya sanin sakamakon da DIA aiki. Amma akwai wasu shaida a yanzu. A banki yana da kudi a wani fiduciary iya aiki domin a total na 4.6 biliyan rubles. A kasuwar darajar mafi yawansu ba su ne kusa da sifili. A gagarumin rabo daga ta aro fayil - 18.7 biliyan rubles - ba za a mayar da su. Bisa ga ƙa'ida, da "Baltic" ya samu riba ga watanni uku na 2014. Amma idan muka debewa daga wannan adadin zuwa hannun jeri kyauta da kuma samun kudin shiga daga kadarori samu kyauta, da riba jũya a cikin wani hasãra. Babban 'yan takara na rawa na sanatorium - "Alfa-Bank" da kuma "Life".

ƙarin tsanani daga cikin halin da ake ciki

Wani cikas a kan hanya zuwa maida - unbalanced fayil. Bankin tãyar da kudi ta hanyar da tsada adibas. Amma babu wani abu a mayar da su. Kadarorin "Baltic" low-samun kudin shiga. Main layi na mataki a yau - bayar da rance ga doka abokai da kuma dukiya zuba jari.

Watanni shida da suka wuce, babban bankin ya dakatar da kudi ma'aikata dauki adibas daga jama'a. A kara ba da aka soma. A sakamakon haka, a watan Yuni, an bayar da rahoton biyan bashin jinkiri. "Baltic" bayyana kadan hasara na tsabar kudi. Yau a kan site "Bank of Rasha" bayani a kan yarda da kudi ma'aikata liquidity bukatun fakowa ba.

"Baltic Bank": abokin ciniki matsaloli

Bayan rahotanni dangane da matsalolin da na jama'a suka gudu zuwa karbo kudi daga asusun. Wannan zai iya ba zai shafi solvency na kudi ma'aikata. Customers - ko da a gaban dukan zama dole takardun - ba zai iya cire adibas a shirya hanya. Ba a ma maganar farkon ƙarshe na kwangila.

Fiye da shekaru goma, da matakin da sabis ya kasance kusan canzawa. Don bude wani ajiya a banki, da abokin ciniki dole ne na farko da za a Masana da dama hane-hane. Da fari dai, wani babban fee ga wanda bai kai ƙarshe na kwangila. Abu na biyu, aka yaba da lissafi iya zama karamin adadin tsabar kudi. Karshe, kuma mafi m - a karshen yarjejeniyar don canja wurin kudi zuwa wani kudi ma'aikata iya ba. "Baltic Bank" al'amurran da suka shafi a 2014 ya bayyana riko gwamnati siyasa. Amma tun kafin takunkumi hõre matakin na abokin ciniki sabis bar yawa da za a so. Da yawa abokin ciniki sake dubawa a forums tabbatar da wannan. Ba su zama da tushe, mun gabatar da kawai da wasu daga cikinsu.

Yin mafi ainihin yadda ake gudanar (.. Biya na takardar kudi ga utilities, da dai sauransu) a cikin sashen daukan rabin awa - tare da yankewa sadarwar da manajan da kashiya na banki. Wadanda fata sa biya ta hanyar internet banki bukata a kara mamaki a cikin nau'i na ƙarin software da cewa shi ne kawai jituwa tare da Windows aiki tsarin (ba game da iOS da Android da a ce). Amma wannan ba ta zama ba idan aka kwatanta da "mutum" sa hannu na kowane biyan bashin wajibi na shari'a mahaluži darektan. Samun yanzu lokaci na rana kalamai - 13:00.

A manyan yawan "na farko" ayyukan, high amfani rates a kan bashi da sabis katin da aka ba zato ba tsammani katange, datti ofisoshin, m sabis ma'aikatan - kowa da matsaloli tare da "Baltic Bank", amma, kamar yadda shi dai itace, ba mafi m ...

tsarin gazawar

Kwanan nan, akwai lokatan rahotanni a kan forums gunaguni game da satar kudi daga asusun. Abokan ciniki zo da wayar rahotanni na janye kudi online sabis, misali, "yandex", ba tare da tabbatarwa da sahibin kati. Ko dace biyayya da aikace-aikace da sashen warware matsalar. Money refunded da lissafi so ba. Hakika, da sata da kudi daga asusun na abokin ciniki akwai ruwan inabi. Ba lallai ba ne sake barin a waje yanar data on your taswira. Amma a yau, kowane kai mutunta banki a kalla zai gabatar da hani a kan motsa jiki na ba-tsabar kudi ma'amaloli via da yanar-gizo, kazalika da matsakaicin - ga kowane janyewar za ta jira tabbatarwa SMS daga abokin ciniki.

A forums ne ma sau da yawa yiwu saduwa abokan ciniki 'gunaguni canza lamuntawa yanke shawara a karshe lokacin. "Baltic Bank" ya bayyana matsalolin da yadda ya kamata a cikin tsarin. Known gabaceku idan ma'aurata na sa'o'i bayan da ake ji wa wani rance ga abokin ciniki kira da baya daga banki da kuma aka kira su zuwa ga ofishin for sarrafa takardun. Amma da sashen ya bayyana cewa, da gazawar na shirin kai ga wani erroneous tabbatar da aikace-aikace. Comments ...

summary

Saboda haka, wani bashi ma'aikata, fadi a karkashin "tsarkakewa" na Central Bank - "Baltic Bank". Matsaloli tare da Babban Bankin saboda da manyan yawan alaƙa dukiya. Wannan batu ne DIA. Zai yiwu, idan za a iya warware gaskiya ma, sabon masu zuba jari suke da sha'awar a inganta da sabis. A lokacin da wanzuwar "Baltic Bank" matsaloli dangantawa da matalauta ingancin sabis, kuma ba zai iya warware a kan nasu.