Banki "Bankin Hagu": nazarin

A Rasha, akwai kamfanonin banki da suka kasance a kasuwa tun 1991 - da zarar dukkan kudaden bashi da tsarin kudi sun fara fitowa. Wadannan batutuwa, a matsayin mai mulkin, suna da tsarin sarrafawa, sun kafa lambobin sadarwa, matsayi mai mahimmanci na kasuwa da kuma samfurori masu inganci a buƙata a kasuwa.

Daya daga cikin waɗannan shi ne bankin "Levoberezhny", yana aiki a yankin Siberia. An san shi sosai saboda yana da babbar hanyar sadarwa - ofisoshin 19, ofisoshin 7 don bada bashi, har ma fiye da 100 ATM da kuma tashoshi.

A cikin wannan labarin za mu bayyana abin da ma'aikata yake, a wace irin ayyukan da ake bayarwa a nan, abin da abokin ciniki zai ba da sauransu.

Ayyukan

Bari mu fara, watakila, tare da kyaututtuka da ra'ayoyin, wanda aka tabbatar da wannan ma'aikata. Don ganin yanayin ya fi dacewa, za mu la'akari da nasarorin da aka samu a shekarar 2015. Don haka, cibiyar nazarin Rusipoteka, ta hanyar samar da ƙididdigar cibiyoyin banki da suka fi ci gaba da bayar da jinginar gidaje, sun sanya Bankin Levoberezhny (Kemerovo) a cikin 33rd wuri. A wani hangen zaman gaba - ta hanyar ƙaramin fayil ɗin bashi - wani littafi mai karfi (RIA Rating) ya ƙaddara bankin da aka bayyana a cikin labarin a matsayin wurin 120th. Ta hanyar yawan dukiyar dukiya, wannan hukuma ta dangana "Bankin Hagu" zuwa wurin 136th. A ƙarshe, Ƙarin Kasuwanci na Moscow a cikin rukunin "Mai Gudanar da Harkokin Ciniki" ya ƙaddara bankin don matsayi na 35.

Kamar yadda ka gani, wannan kafa yana da wasu nasarori, wanda ake goyan bayan shugabancin mukamai a kasuwar da za'a fadada abokin ciniki tushe.

Deposits

Kasuwanci su ne kayan aikin banki da aka fi so ga mutanen da suka san yadda suke so kuma su sami kudi. Bankin "Hagu Bank" yayi game da 10 iri adibas - su duk bambanta a waje, da ƙaramar yawan domin zuba jari, sha'awa kudi da sauran yanayi (da yiwuwar ya cika, karbo kudi, bude ta cikin Internet). Kowace abokin ciniki, dangane da abin da yake son shi, zai iya zaɓar mafi kyau don ajiyar kansa da kuma adana kudi a wannan banki. Misalai na tsare-tsaren zuba jari: "Zuba jari" (mafi ƙarancin zuba jari - dubu 10, don ajiyar kuɗin yana cajin 12% a kowace shekara, mai ba da damar yin rajistar ta ta hanyar banki na Intanet kuma, don haka, don sake karawa); "Yarda" (m - 50,000, daga 10.5 zuwa 11.5 bisa dari na riba a shekara, ban da asusun "Purse" an caje 7%). Har ila yau, akwai shirye-shiryen masu ritaya, ga yara, ajiyar ku] a] en waje, ku] a] en ku] a] en.

Loyan

Tun da ma'aikatar da aka bayyana ta yarda da zuba jarurruka, asusun bankin Levoberezhny zai iya ba da bashi a farashin da yawa, dangane da ko abokin ciniki mai amfani ne ko kuma ya zo nan a karo na farko. Har ila yau, yana taka muhimmiyar hanyar yin biyan kuɗi, ta hanyar da abokin ciniki zai karbi kudi bashi - wani bashi, katin kirki mai sauki ko wani nau'i.

A cikin lamarin bashi, bankin ya raba abokan ciniki cikin kundin. Saboda haka, shi ne kambun da albashi cards, fansho, sabon abokan ciniki da suke so su al'amuranda "katin bashi", abokan ciniki tare da m bashi tarihi, ma'aikata na kamfanonin, wadanda ba banki takwarorinsu. Saboda haka, kuma yanayin da aka bayar don bashi don kowane ɗayan waɗannan sassa daban. Ko da yake banki "Levoberezhny" yana sanya irin wannan sha'awa cikin rassan daban-daban. Novosibirsk, Kemerovo ko Barnaul - ko da kuwa inda akwai ofishin reshe.

Wasu kayayyakin

Bugu da kari ya na rance da ma'azarta ayyuka, da ma Bankin gudanar da dama sauran ayyukan. Musamman ma, shi ne musayar kasuwanni, aiki da katunan banki, bude asusun don adana kudi, budewa na jinginar gida don sayen dukiya, samar da sabis na masu zaman kansu mugunta, ajiye kayan kuɗi a cikin ajiyar banki da sauransu. Duk wannan yana bawa abokin ciniki aiki tare da banki ɗaya, ko da kuwa sabis ɗin da yake bukata.

Abokin Talla

Jerin sunayen damar da ma'aikata ke bayarwa ga abokan ciniki shine, ba shakka, mai kyau. Amma don fahimtar yadda wannan ko wannan bankin ke aiki, yana yiwuwa ne kawai bayan da aka sani da ainihin abokan ciniki. Kuma zaka iya yin shi akan albarkatu na musamman, alal misali, a kan batutuwa na masu rike da masu karbar bashi. Abin da muka yi don gane abin da bankin "Bankin Hagu" yake.

Novokuznetsk ko Kemerovo, Barnaul, ko kuma wani gari inda ofishin ofishin yake sha'awa, ba shi da mahimmanci - shafin yana dauke da amsa daga mutane daga ko'ina cikin kasar. Kuma a gare su za ka iya gano, alal misali, a wasu rassan abokan ciniki suna miƙa su musayar kudin don 5 rubles mai rahusa, amma ba tare da jaka ba; A wasu - suna jinkirta biyan biyan bukatun akan ajiya; Amma a wani wuri - suna barazanar bayan bayar da bashi. Dukkanin wadannan maganganun da aka yi musu sun bar wadanda suka kasance basu yarda da sabis a "Left Bank" ba. A gaskiya ma, akwai wasu shawarwari: ma'aikatan banki suna laifi a wani wuri, a wasu lokuta kuskure yana da abokin ciniki.

A lokaci guda kuma, akwai alamun halayen kirki - ayyukan da ke sha'awar abokin ciniki sunyi nasara, kuma a ƙarshen mai baƙo na sashen ya gamsu.

Hakanan, a gaskiya ma, lallai tabbas a cikin wannan ma'aikata za a yi muku hidima "a matakin mafi girma" ko "jin tsoro", ba zai yiwu ba. Wataƙila shi duka ya dogara ne akan mutanen da abokin ciniki yake fuskantar.

Abinda aka yi wa ma'aikata

Har ila yau, sha'awa don fahimtar yadda aka shirya bankin, za a mayar da martani daga ma'aikata. A kansu za ka iya ganin aikin wani kamfanin daga ciki. M halaye na ma'aikata nuna, misali, a kan m sandarsa, ban sha'awa aiki, mai kyau jadawalin da kuma a kan kamfanoni xa'a a cikin banki. Kodayake akwai bita na rashin kyau, wanda ke magana akan rashin nuna rashin amincewa a kan sassan hukumomi, game da aiki ba a kan aikin daya ba, amma a karkashin dokar kwangila (wanda yake nufin ƙananan nauyin kariya ga bukatun ma'aikaci), albashi "a cikin envelope" (lokacin da aka biya bashin kuɗi , Amma a gaskiya ma ma'aikaci yana karban nauyin da ya bambanta). Kuna hukunta ta hanyar mayar da martani, wannan ma akwai, don haka baza'a iya kiran yanayin aikin aiki ba. Amma akwai kwanciyar hankali, da yiwuwar girma kuma, a ƙarshe, kwarewa.