Bankin "Financial Initiative": reviews. "Financial Initiative": abokin ciniki reviews da kuma ma'aikatan

Shirin zama abokin ciniki na banki, ka saka ko bude wani asusu, abu na farko da wani mutum ba ya karatu kawai kudi ma'aikata tarihi, amma kuma da yawa reviews. "Financial Initiative" - wannan shi ne daidai abin da kudi ma'aikata, wanda janyo hankalin da hankali. A babbar yawan rassan cikin Ukraine, ya ce a high-matakin kudi ma'aikata, a kan bukatar ayyukanta. A daya hannun, akwai quite mai yawa negativity da ba ya} arya reviews. Bankin "Financial Initiative" yayi wani sosai ban sha'awa yanayi na abokantaka, amma da farko abubuwan da farko.

A kadan tarihi

Bankin taken "Financial himma" ba na karshe kudi ma'aikata a cikin ƙasa na Ukraine. Its tarihi ya fara a 2004. A farkon matakai na ta ci gaban kungiyar offers high quality ayyuka da kuma ga mutane, da kuma shari'a. Da kafa wani cikakken jimre da wajibai, da kuma ikirarin shi ne, ba a gare shi. Mun kafa kungiya na Association of Ukrainian Banks, memba na Kiev stock musayar PFTS da "UkrCard". A lissafi na banki mambobin kungiyoyin irin wannan m kamar yadda Pardo UNMA SWIFT kuma daidai da size da kuma irin dokokin babban birnin kasar dukiya da, da gidan da aka alaka da biyu kungiyar. Duk da korau da sake dubawa, "Financial himma" daukan na huɗu wuri a cikin rating na Ukrainian bankuna. A izini babban birnin kasar ne 2 000 000 dubu hryvnia. Alal misali, lokacin da na karshe rahoto lokaci na shekarar 2012 riba cibiyoyin lissafta kusan dubu 500, hryvnia. Interest samun kudin shiga a cikin m jihar a karshe rahoto lokaci na wannan shekara shi ne daidai to 1.288.383 dubu hryvnia. Amma wannan shi ne tarihi.

M shirye-shirye ga abokan ciniki

Bankin "Financial himma" ajiya yayi matukar ban sha'awa da kuma tare da mai kyau sha'awa kudi. Akwai da dama tsaren hadin gwiwa tare da daban-daban shirye-shirye:

• A shirin da gudummawar da wata-wata ban sha'awa. Its duration na watanni 12.
• An ban sha'awa taimako ga wata-wata ban sha'awa biyan bashin da ƙari. A tsawon lokaci da gudunmawar na watanni 12.
• International shirin da capitalization da ikon cika. Duration na shirin watanni 12.

Akwai irin wannan adibas matsayin "Manjo", "m" da "m." Sun bambanta daga juna da kuma samar da wani sosai sharadi gwargwado ga masu zuba jari. Har zuwa 2012, game da ajiya da shirye-shirye na kudi cibiyoyin kasance sosai tabbatacce feedback. Bankin "Financial Initiative" dace biyan bashin ban sha'awa da kuma a karshen ajalin da cinikayya sama kudi don zuba jari. A farko take hakkin da dokokin cinikayya da aka gani a shekara ta 2013.

Bari mu juya zuwa tarihin, muka yi la'akari da ayyuka na banki a yau. Bankin "Financial Initiative" sashen da ake located a sassa daban daban na kasar, shi ne zalla Ukrainian ma'aikata. Ma'abũcin ta hannun jari a cikin ni'imar LLC "zuba jari-Service." A matsayinka na shugaban kwamitin ma'aikata daukan Andrew Tsyktor. Financial ma'aikata, tare da dukiya a cikin adadin 9.9 biliyan hryvnia, an rayayye da hannu a cikin Inter-da mu'amalar banki a 'yan shekarun nan. Wakilai daga cibiyoyin da hannu a jawo abu albarkatu a sosai high rates. Shi ne ya kamata a lura da cewa fiye da 50% na kudaden tashe ta banki ne, a gaskiya, interbank rance. Fiye da 80% na fice kudi a kan Inter - wannan kamfanoni rance. Kafofin watsa labarai a tsare yayyo bayanai da cewa babban binsa bashi banki abubuwa a matsayin mai shi da kansa, amma ba a mutum, amma a fuskar ciniki. Bakhmatyuk, ya shi ne maigidan da hukuma cibiyoyin cewa tsare ƙaryata wannan ka'idar, nace a kan cewa your kasuwanci ba yaba da hada kai da alaƙa bankuna.

Duk da cũta

Aiki tun 2004, "Financial himma" Bank ma'aikatan reviews wanda yana da kyau connotation, ko da yaushe cika da wajibai zuwa abokan ciniki. Duk da matsaloli, wanda ta nanatawa da ƙarfi ya musanta mai shi daga cikin ma'aikata, da kudi ma'aikata ya ci gaba da bayar da fadi da kewayon jama'a ayyuka, SMEs da kuma kamfanoni kansu. Daga cikin mafiya muhimmanci bada shawarwari:

• A babbar kewayon adibas.
• Da sulhu da remittances.
• Aiwatar da tsabar kudin da daraja karafa.
• Maintenance na yanzu asusun, ciki har da mai rumfa karafa.
• Ƙaddamarwa na banki tabbacin.
• Daily da kuma tsanaki RKO.
• Samar da Kwayoyin domin ajiya na Securities, mai daraja karafa.
• Batun, ciki har da sayar da kamfanin.
• Yin haya da kuma factoring.
• Depositary aiki.

Kungiyar ta ci gaba da tsaya da manufofin: wani mutum tsarin kula da kowane abokin ciniki. Babban banki yadda ake gudanar gudanar da ta hanyar da babban ofishin, wanda aka located in Kiev. Wurare da dama a kai-sabis kiosks suna aiki a birane irin su Obukhov da Rivne, Dnipropetrovsk da Lviv, Donetsk da kuma Zaporozhye. Daya daga cikin mafi girma a rassan - banki "Financial himma" (Kharkov). Abokin ciniki feedback game da reshe na ƙara yin tabbatacce.

Yadda za a dauki abokin ciniki?

Kowane abokin ciniki ne mai kudi ma'aikata tare da mai girma babbar sha'awa ya yi magana game da dumi liyafar. Game The m sandarsa, murmushi cashiers da manajoji ce da yawa reviews. "Financial Initiative" - wani ma'aikata wanda yana da kyau kokarin haifar da farko mai kyau ra'ayi na hadin gwiwa. Idan kana da tambayoyi masana sosai bayyana kome, karba kowane abokin ciniki sabis ne format cewa ya fi dacewa da shi ya fi. Kamar yadda masu rinjaye, shakku game da AMINCI da mutunci ba bayyana. Akwai ji cewa kudi ne yanzu a cikin hadari hannuwansu. Duk da haka, wannan shi ne kawai farko da ra'ayi, wanda a mafi yawan lokuta shi ne m. Akwai kuma kishiyar sashi na tsabar kudi, wanda gaya korau reviews. "Financial himma" a cikin past shekaru biyu ya fara karya da yanayi na abokantaka, bayanin wasu m dalilai. A karkashin harin su ne masu da adibas.

Abin da ya faru ga masu adibas?

An fara a 2013 ya fara bayyana korau feedback daga mutane a kan Internet, wadda bisa ga su, yana da imprudence to amince da kafa su tanadi. A farko kome tafi smoothly hadin gwiwa. Interest aka accrued a kowane wata, ba tare da wani bata lokaci ba. Kowane mutum cashed da kudi ba tare da wani rikitarwa. Kusa da 2014 sha'awa a kan adibas ne yawa da bata lokaci ba da ya sa wasu tashin hankali tsakanin abokan ciniki. A halin da ake ciki ya juya a makafi ido, muddin dai bai zo cire ajiya. Oddly isa, amma da yawa daga uzuri kasance a matsayin dalilin da ya sa batun a hannunka ba kudi a jihar banki "Financial himma". Adibas, wanda su ne mafi kyau sake dubawa, bai gaskata da kanta. A cewar masu ajiyar, da kudi ma'aikata da aka miƙa a duniya a shirin a cikin abin da mutane son ba da akwatin ofishin da rabi na ajiya, amma a yanayin da cewa kashi na biyu na gudunmawar za a sake shirya a bisa sabon kwangila ga wani sabon lokaci. Ba tare da sanin yadda za a su samu kudi, masu zuba jari sun zama ko da yarda ga wannan shawarwari.

Abin da ya kudin kasashen waje adibas?

Karfi da cewa suna da ko da yaushe a rarrabe "Financial himma" banki - adibas. Sharhi kan su a tsawon shekaru yi mai kyau connotation. Da farko haushinka bayyana a cikin Internet da kuma a kafofin watsa labarai a madadin masu kudin kasashen waje adibas. Suna da'awar cewa bayan da yarjejeniyar da banki ƙi ba da makamai daloli. Agency ma'aikatan bayyana, da kuma ci gaba da bayyana duk NBU hane-hane. A wannan yanayin, a gaskiya, irin wannan m tsarin ba ya wanzu. Remittances ne bude da kuma kowa da kowa zai iya ja kashe wani banki ko katin adadin ba wucewa $ 500 ko daidai da 15 dubu hryvnia. A cewar wasu abokan ciniki, Bankin samarwa don en kudin kasashen waje adibas a cikin kasa kudin, amma ba a cikin sama adadin, ba fiye da 1,000 hryvnia na mako daya. A Wauta da irin wannan halin da ake ciki, ba lallai ba ne su tabbatar da sake. Wani labarin an haɗa tare da abokan ciniki suka yanke shawarar su karbi kwangila na ajiya saboda sirri yanayi. Abin da ya da mamaki a lokacin da, a cikin sashen na banki "Financial himma", reviews na ajiyar wanda ya kasance a baya kawai m, ya ruwaito wata asarar amfani a taron na ƙarshe na yarjejeniya. A wannan yanayin da daftarin aiki da aka rajista abu, inda a kan ƙarshe Partnership yawan za a recalculated a cikin kudi na 0.5%. Don ce mafi zai zavyaleno a bugun fanareti a cikin adadin 17% na ajiya adadin. Wannan abin da mai kwangila aka ba daidai bayar. A wani yunkurin bayyana halin da ake ciki a cimma abokan ciniki da aka bushe a juyar da official website samun bayanai. Aikace-aikace a kan wannan al'amari ne karkashin hanya a yau.

Kudi ta hanyar gudanar da gangamin, gunaguni da kuma kafofin watsa labarai

Gaskiyar cewa banki "Financial himma" matsalar ne da nisa daga kasancewa frivolous, ka ce: Shin, ba kawai a online reviews, amma kuma tartsatsi wurare dabam dabam a kafofin watsa labarai da kuma ko da a cikin Antimonopoly kwamitin da kwamitin amfani Kariya. Duba daidaito daga wannan bayanai ne sosai matsala, amma shi ne a kan kowa na lebe. Bayan ya ƙi ya ba ma'aikata na banki ajiya abokan ciniki ba su saukar da hannunsa kuma ya fara daukar mataki. A Kharkov, akwai ma wani rashin amincewa a waje da harhada sashen da posters. Bayan kiwon da talla kudi ma'aikata, albeit tare da so ba, amma sannu a hankali ta fara cika da wajibai. Akwai bayanai masu gamsarwa game da abin da mutane ba za su samu wuya-sanã'anta kudi, ko da yake, da kuma 'yan watanni baya da kuma amince da a sashi ba. Babban abu ne cewa sakamakon da aka samu da kuma cewa a wannan halin da ake ciki da dama gudanar ya kare, duk da tattalin arziki matsaloli, ba kawai kudi cibiyoyin amma kuma na dukan jihar.

Mene ne statistics?

Kamar yadda aka ambata a sama, da abokin ciniki reviews na banki "Financial himma" - ba ko da yaushe wani abin dogara tushen bayani. Fiye game da ainihin Jihar harkokin cikin kungiyar ne iya gaya wa hukuma statistics. Mun riga mun ambata cewa kudi ma'aikata a cikin ranking na NBU a karo na biyu wuri, kuma akwai wani abu to ku yi alfahari da. Matsalar ita ce, da bayanai daidai ne, amma kawai partially. Matsayin tafi banki bisa adadin ãdalci, kuma ya fara daga dukiya, wanda size ne (na karshe count) 17538523 hryvnia. A cikin wajibobi gefe, da adadin abin da yake daidai 14.964.810 UAH, suka kawo banki da na uku wuri guda ranking a 2014. Amma, mafi ban sha'awa abu zo. A lokacin da na karshe kwata na 2014 ya nuna wani kudi ma'aikata a cikin adadin marasa amfani baki ɗaya halin da ake ciki 86 394 hryvnia. Kuma a nan riga akwai da yawa suke yin tunãni. Wannan dijital darajar kusan ta atomatik kafa da aka jefa a kan 12th wuri daga 158.

M yunkurin inganta halin da ake ciki

Bayar da rabin taimako a sake rajista da kashi na biyu na da shi ga wani watanni shida - wannan ba kawai daya daga cikin dabaru amfani da "Financial himma" (Bank, Kiev). Abokin ciniki feedback gaya mai yawa ban sha'awa. Wasu mutane aka tambaye su dauki kawai sha'awa a kan adibas, kuma ba fiye da 15% na girman da ajiya. Haka kuma, masu zuba jari suna kullum ishãra cewa su asusun katange, kuma ba su da iya, idan ya cancanta, biya a cikin shagon. Matsalar inoperability kuma m cards, wanda aka fara gani a farkon 2014, ya zuwa yanzu ya zama ma fi na gaggawa. Hukumance, Bankin ta ma'aikata da'awar cewa babu keta a kan wani ɓangare na ma'aikata a cikin bangare na yi na wajibai a karkashin Deposit Yarjejeniyar ba. Haka kuma, mataimakin Shugaba a cikin mutum Andreya Demchenko hukuma hira bar daga kai tsaye amsar, da kuma kusantar da hankali ga m bonus shirye-shirye, a kan wani yiwu karuwa a cikin iyaka a kan withdrawals kuma Ya ƙãra amfani rates. Bayan jawabin da wani investigative gwaji a daya daga cikin ofisoshin Kiev, da masana gano cewa, da katunan gaske ne m, yayin da na daya hannuwa samun wani fiye da 15% na ajiya adadin da ban sha'awa. Gogaggen lauyoyi ganin halin da ake ciki keta hakkin dan Adam da kuma tilasta da tsawaita na ajiya.

m liquidity

Duk abin da aka rubuta a sama kawai take kaiwa zuwa da ra'ayin cewa banki "Financial himma" ba iya samar da mafi kyau duka matakin na liquidity. Idan a nan gaba da halin da ake ciki ba zai canja, da kuma yanayi na bayar da adibas ba zai daina musawa Ukrainian dokokin da Civil Code, kungiyar iya partially dakatar da aikin don a san da yanayi. A wannan lokaci, idan akwai mutanen da suke da adibas a cikin Ginin, ga wanda ajalin da kwangila an riga an gaji, ya kamata su ci gaba kamar haka:

• Aika kuka ga National Bank of Ukraine.
• Sue wani da'awar game da yadda za a warke daga wani kudi ma'aikata da cikakken adadin da ajiya.

Yau, da bankin ci gaba da aiki da kuma ci gaba da yarda da gudunmawar daga sha'awar jam'iyyun. Kana iya ce cewa ku yi ĩmãni ba da kyau talla da kuma riya sha'awa. Reviews na ma'aikata na banki, ba shakka, tabbatacce, kuma amma bã su musamman imani. Don gaya gaskiya, sa'an nan rasa wani aiki babu wanda yake so. ribar daidai misalta da muhimmancin da halin da ake ciki a cikin kamfani. A farko siginar bayyana su zama mafi m lokacin da banki yayi mafi m kudi na riba a kan ajiya. Yana da daraja la'akari da abin da ya sa management hukumomin a kan m dauke sharadi na ribar da su matsa bayan data kasance nagartacce.