NPF Sberbank: reviews. NPF Sberbank: riba

Fensho - ba wai kawai cikin prerogative na RPF, amma kuma babban adadin ba na gwamnati kungiyoyin dacewa profile. Daya daga cikin shahararrun - NPF Savings Bank. Abin da characterizes cikin ayyukan da masu zaman kansu da fanshon? Abin ce abokin ciniki reviews? Mene ne matsayin da asusun a cikin martaba?

Mene ne wani fanshon

Kafin nazarin maras jihar fanshon na Savings Bank, shi zai zama da amfani a gudanar da wani kananan msar tambayar digression zuwa babban batu na wannan batun. Wane irin shiri - da NPF? Masu zaman kansu fensho kudi - abin da ƙayyadaddu na aikin da kuma manufar da ma'aikata?

A farko SPC bayyana a cikin 90s, amma na dogon lokaci bai sami fadi da rarraba. Su madadin zuwa jihar kungiyar - Rasha fanshon, wanda ya zama doka magaji na da irin wannan tsarin, wanda gudana a cikin Tarayyar Soviet. Halittar zaman kansa kudi da aka shibtarsu, bisa ga masana, da bege na jihar don rage kasafin kudi nauyi. Ta yaya?

Gaskiyar cewa da girma daga cikin fensho wajibai na jihar su ta 'yan kasa, dangane da ƙayyadaddu na halin yanzu na zamantakewa tsaro tsarin a cikin Rasha Federation, shi ne saboda samuwar na] a] en na daga cikin biya. A tushe ne na sadaukar da shi ne gwada da kananan - ta gwamnati sun fi mayar da daukan kan.

Masu zaman kansu fensho kudi, a Bugu da kari, a lokuta da dama, samar da wani mataki na rara biyan bashin ne saboda da sunadaran da zuba jari a cikin daban-daban iri dukiya, shiga a cikin saye da sayarwa na Securities da kuma sauran nau'o'in istinbadi kasuwanci ayyukan. Kamar yadda mai mulkin, fensho kudi don wannan dalili hadin gwiwa tare da management kamfanoni, da su ne a lura da wannan irin kudi dabarun.

Fansho reserves suna mayalwaci da kariyar doka. Bugu da kari, cikin sharudda ga kudin shiga ga ayyuka na NPF ne yanzu quite m, kuma domin da kasuwar kawai ba zai iya barin kamfanin, wanda yana cikin hadarin na fatarar. Yanzu a Rasha akwai 'yan dozin manyan NPF. Daga cikin su - wadanda ba jihar fanshon na Savings Bank. Mene ne ƙayyadaddu na da ayyukan? Yaya girman amfanin ƙasa na APF ga Savings Bank a 2013 da kuma sa ran a shekarar 2014?

Overview

Bari mu yi nazarin janar bayanai a kan ambata asusu. The kafa na NPF - Sberbank na Rasha, da most kudi ma'aikata a cikin kasar. A Foundation aka halitta a 1995, shekaru 3 bayan buga umurnin da shugaban kasar na Rasha Federation, wanda ya zama na farko doka da dokokin kasashen kamfanin ta ayyukan.

Wannan fanshon ne kunshe a cikin dacewa kasa Association. Bisa ga dama hikimar tantance hukumomin, rating NPF Savings Bank - daya daga cikin mafi girma a cikin kewayon ayyuka na ba-jihar fensho kudi. A cewar daya daga cikin mafi girma a kungiyoyi da cewa yin up daidai kimomi, da asusun mai matsakaicin abin dogara. A musamman, wadannan mukamai an soma da masana na National Rating Agency, kazalika da irin kungiyoyin a matsayin "Kwararre RA".

NPF Savings Bank na Rasha Federation nufin da cibiyoyin cewa an classified a matsayin "bude-karshen asusu." Institution yayi wani fanni na fensho makircinsu, kuma mutum kasuwanci Lines. A musamman, da sabis yarjejeniya iya shiga cikin 'yan ƙasa (a cikin sallar farilla da inshora da kuma samar domin sa hannu a cikin shirin na co-kudi), kuma doka abokai. Da yiwuwar kammala kwangilar mutum da yanayi a karkashin abin da ya wallafa na kanka ritaya shirin, dace majalisu sharudda.

NPF bayani Savings Bank za a iya samu a kusan duk wani yankin na kasar Rasha. A fanshon - daya daga cikin shahararrun a Rasha Federation, ta rassan suna wakilci a kasar a cikin wani m kewayon. Babban ayyuka na SPF aka gudanar ta hanyar ofisoshin na iyaye kamfanin, kazalika ta hanyar da hannu na hukumar sadarwa albarkatu.

management tsarin

Higher kungiyar ta management tsarin - a Foundation Council. A ta sharuddan tunani ne da dabarun al'amurran da suka shafi da kuma sauran management na ma'aikata aiki. Asusun Board ne ma tasowa daban-daban na normative takardu, bisa ga fensho reserves management tsare-tsaren, bukata da riba da kuma sauran kudi ayyukan.

A tsarin gudanarwa na NPF Savings Bank ne ma yanzu duba kwamitin. An gudanar da iko a kan tattalin arziki da ayyukan da kungiyar. Nada ta Board na Foundation kwamitin. Har ila yau, a cikin tsarin da kungiyar yana mai Kwamitin Amintattu. A iyawa - ƙungiya dubawa for yarda da doka. Kamar yadda wani ɓangare na Kwamitin Amintattu ba plenipotentiaries asusun abokan ciniki.

reorganization

A watan Afrilu 2014, da Asusun aka sake tsarafa kuma samu wani sabon ƙungiya da kuma shari'a status. Yanzu ya hukuma da ake kira "NPF Savings". Kafin wannan, da asusu da matsayi na "ba riba kungiyar na zamantakewa tsaro." All hažžoži da wajibai na NPF, aiki a cikin tsarin na haihuwa nau'i na gwamnati, wuce canzawa a cikin kungiyar, wadda aka gudanar a matsayin wani hadin gwiwa stock kamfanin.

Tamanin da izini babban birnin kasar na Savings Bank of NPF a matsayin kamfanin - miliyan 150 rubles. Hannun jari mallakar da kafa. Wato, da Savings Bank of Rasha. Corporatization na asusu, bisa ga masana, saboda da sabon doka bukatun. A cewar su, kafin Janairu 1, 2016 duk SPC cewa da ayyukan suna aiki a kan bayanin martaba na m fensho inshora, ya kamata a canza kama zuwa hadin gwiwa stock kamfanoni. Idan SPC ne aiki, hada ayyuka da kuma masu zaman kansu arziki, da asusun dole ne a kafa, wanda ke tsunduma a aikin a farko shugabanci kadai. Bi da bi, fansho, wanda aiki ne da alaka da ba-jihar arziki, batun hadin gwiwa stock kamfanin kafin Janairu 1, 2019. Idan da kudi ba ci gaba a cikin dace da irin tare da hira a cikin lokaci haddõjin da doka, za su iya shafe ta.

regalia

NPF Savings Bank - wani shiri da cewa yana da lokaci don samun mai yawa masana'antu awards domin ta yi. Abin da mãsu za a iya lura da fari?

A 2013, misali, da asusun da aka bayar da babbar diploma na hukumar "Kwararre RA" (daya da ta sa da ratings na kudi). Gabatarwa - "Ga ci gaban zaman kansu fensho ɗaukar hoto." A wannan shekara NPF Savings Bank samu wani lambar yabo. Shi ke kira "Financial Elite na Rasha". Gabatarwa sauti kamar "The muhimmancin ci gaba."

A shekarar 2012, NPF Savings Bank aka kuma bayar da "Kwararre RA". Amma sai da gabatarwa busa daban - "babban kudi na girma a cikin abokin ciniki tushe na SPC". A wannan shekara, SPC samu lambar yabo "Financial Olympus 2011". Daidai gabatarwa kara kamar "Retail Firm". Bayar da shi a cikin wani na musamman category, wanda aka kira "The kuzarin kawo cikas da kuma yadda ya dace."

A shekarar 2011, cikin Savings Bank NPF ma samu diplomas daga cikin "Kwararre RA". Haka kuma, a dama Categories. A farko - "babban kudi na girma a cikin abokin ciniki tushe." Na biyu - "Domin kyautata na AMINCI."

A 2010, la'akari da matsayin data daga yawan kafofin, NPF Savings Bank shi ne kawai kungiyar a filin, wanda ya lashe lambar yabo "Company na bana". Gabatarwa kara kamar "Finance". Bugu da kari, a cikin wannan shekara da asusun samu da "Finance 2010". Daidai gabatarwa kara kamar "Ga abin da ya gani dabarun."

A shekarar 2009, NPF ya kuma zama da kawai kungiyar a filin, wanda aka bayar da "Financial Olympus". Gabatarwa kara kamar, "Management Strategy fanshon". A shekara ta 2008, Foundation samu lambar yabo "The Count Guryev" domin babbar gudunmawar ga ci gaban da profile masana'antu. A shekara ta 2007, NPF da aka bayar da "Financial Olympus". Gabatarwa kara kamar, "Management Strategy fanshon".

Masu amfani da ra'ayin

To, regalia NPF Sberbank isa. Amma yadda suka danganta wa] annan abokin ciniki feedback? Abin da harafin da aka mamaye bar ta su a cikin masana'antar online portals reviews? NPF Savings Bank - wani abin dogara, dangane da martanin abokin ciniki, tsarin? An shubuha tambaya. Amma mu yi kokarin ba da jagoranci yiwu amsar.

Idan muka dauki matsayin dalilin kimantawa na NPF Savings Bank abokin ciniki reviews a 2014 ko a cikin shekaru baya, kungiyoyin biyu na ra'ayin za a iya bambanta. A farko - a tsaka tsaki-korau. Na biyu - m. Game da farko. Mutane suna sha'awar da kasancewa da ingancin sabis kayayyakin more rayuwa, wanda aka halitta da Sberbank. Za ka iya zuwa duk wani reshe na Game da banki kudi ma'aikata da kuma tambaye wani tambayoyi game da aiki na NPF, shirya kunno kai mawuyaci. Duk da haka, kamar yadda muka gani da wasu abokan ciniki, da matakin da alhakin daga kwararru na wasu rassan cewa iya zama saboda ba da cikakkiyar sifa inji na hulda da Asusun kuma su tsai da da tsarin ba ko da yaushe high. Kuma shi ne - wasu korau, wanda ya nuna martani. NPF Savings Bank a lokaci guda ya yaba don manufacturability (daga baya za mu bude wannan nuance). Lura da high quality na bayar da rahoto. Alal misali, a karshen shekara ta abokan ciniki ko da yaushe zo takardun daki-daki, abin da ya nuna NPF Sberbank amfanin ƙasa domin wani qayyadadden lokaci. Wannan irin feedback za a iya classified a matsayin unequivocally positive. Har ila yau a cikin wannan category akwai ra'ayin cewa daidai da high quality na jamiái, da tuntubar, ya kammala tare da 'yan ƙasa na fensho sabis kwangila. Ko da yake, kamar yadda muka gani da wasu masana, shi yiwuwa ba za a haɗa kai tsaye tare da ma'aikata siyasa na Savings Bank.

Game da ra'ayin jama'a game da ayyukan da asusun iya magana ba kawai abokin ciniki reviews. NPF Savings Bank ne ba a yawan da ake kira "Mutane ta rating," harhada by wasu masana'antu portals. A wannan yanayin, kamar yadda mai mulkin, da ingancin sabis da aka kiyasta. Specific asusun matsayi a lokaci guda sosai bambanta a daban-daban versions na ratings.

lantarki format

A gaskiya ma, yanzu a kan al'amari nuna halin yanzu kayayyakin more rayuwa. Sama mu lura da cewa, aikin na NPF Sberbank isasshe technologized - kuma shi ne lura farko na dukkan abokan ciniki. Yafi da ta je online tashoshi na hulda da asusun zuba jari. Da kowane abokin ciniki NPF Savings "My Account", wanda za a iya isa ga ta a browser. Bugu da kari, to nemi rajista a cikin tsarin NPF sabon abokan ciniki iya ma via da website na kungiyar. Isar da shi a duba hoton, fasfo, SNILS, sa'an nan kuma upload su via online form. A cewar wasu masana, fasahar zamani na, wanda ake saka a cikin NPF Savings Bank ( "My Account" da fari), ƙarshe zama wani masana'antu misali da za a tsunduma ma a sauran kudi.

riba

Yanzu da ainihin kudin shiga. Yadda riba ba a fensho karkashin management na NPF Savings Bank? 2014 ya yi alkawarin zama riba a kan tushen tattalin arziki halin da ake ciki?

Da farko, masana sun ce - amfanin hadin gwiwa tare da ba-jihar fensho kudi sun fi mayar dogara a kan ƙayyadaddu na kwangila yi hukunci a tsakãninsu da 'yan ƙasa. Mafi riba kwangila gane abin da ake kira mutum da tsare-tsaren. Gaskiyar cewa suna saba da ainihin for Rasha nuance - albashi "a envelopes". Bugu da kari, irin wannan yarjejeniya ne mai kyau 'yan ƙasa da wani albashi a wuce haddi na 47 dubu rubles (as shi ne - matuƙar tushen ga lissafi na fensho gudunmawar) ..

Yanzu ga ƙayyadaddu. Mene ne rates na sama NPF Savings Bank ga shekara ta 2013? Figures fito da kungiyar, - 6,74%. Shi ne frustrating, ba shakka, zai iya ze suna fadin. Duk da haka, shi ne mafi girma fiye da hauhawar farashin kaya, wanda ya 6.5% a shekarar 2013. Kuma shi ne - daya daga cikin babban sharudda ga hulda da NPF, masana suka ce. Ma'ana magana, tãrãwa manyan kudade na ajiyar NPF matsala. Abu mafi muhimmanci - a kare pensions daga hauhawar farashin kaya. Kuma idan APF a magance shi, sakamakon gudanar da ayyukanta, a cikin manufa, za a iya kiyasta yadda tabbatacce. Saboda haka manazarta ce. To, kumbura copes lokacin da kyan gani, daga sakamakon 2013, da kafa irin wannan m tsarin kamar yadda Sberbank, NPF. Abokin ciniki feedback nuna cewa wasan kwaikwayon a general, bayyana ta 'yan ƙasa. Ko da yake, kamar yadda muka gani zuba jari NPF, suna da kudi, inda ya dawo sun mafi girma.

Duk da haka, shi ya sa hankali domin ya yi nazarin yi, ba kawai don a shekara guda, amma kuma ga dama shekaru. An kiyasta, misali, cewa daga shekara ta 2009 zuwa farkon kwata na 2013. The yawan amfanin ƙasa na APF Sberbank zambar game da 70%. Kuma shi ke mai yawa, game da 31% fi yadda tarawa kumbura kudi na tsawon. A halin yanzu, a cewar wasu masana'antu ratings, da talakawan shekara-shekara yawan amfanin ƙasa na APF Savings Bank - 7,86%.

al'amurra

Abin da masana suna gani Asusun kintace amfanin ƙasa? Mene ne chances cewa aluma portals zai fi kyau jawabi ga NPF Savings Bank abokin ciniki reviews? 2014 - wuya ga Rasha a fannin tattalin arziki da siyasa da sharuddan. Ta yaya za a takunkumi, da fall a man farashin da ruble a kan riba na masu zaman kansu fensho kudi?

Masana sun yi imani da cewa hukunci factor a nan - da ayyuka na gwamnatin Rasha. Mafi m, manazarta ce, hukumomi za su sosai aiki a kan zamani, na] aukacin dabarun na ci gaban tattalin arziki na kasar. Idan gwamnati zai iya yin tsayayya da kalubale shibtarsu da waje muhalli, to, akwai kowane damar cewa nakopoleniya 'yan ƙasa a cikin NPF za su yi girma isasshe hanzari.

rating al'amurran da kuma kudi yi

Yanzu, game da ratings kuma kudi yi. Kamata na m kula da su? Don abin da har aka dangantaka da abokin ciniki sake bitar su? NPF Savings Bank na Rasha Federation, kamar yadda aka sani, ana auna a matakin qarshe na sikelin na hukumar "Kwararre RA". A cewar wani sabo da hasashen da na kungiyar, asusun zai zama barga AMINCI. Akwai sauran martaba, wanda, musamman, ya yi la'akari da irin abubuwan da yawan abokan ciniki, riba, da kuma unsa a yawan hikimar tantance kayan aikin na tattalin arziki - kamar, misali, "Sharpe rabo". A cewar shi da asusu kuma daukan wani babban matsayi.

Akwai shaida da cewa NPF Savings Bank nuna da mafi girma kuzarin kawo cikas tsakanin kamfanoni a cikin kashi a cikin farkon rabin shekarar 2013. Savings a kan girma da asusun zo a karshen 2013th a saman uku. An sani cewa kamfanin ne ba a saman 10 kamfanoni na ta profile a kan irin wannan sharudda kamar adadin abokan ciniki da cewa an yi wa ado m fensho inshora kwangila, kazalika da} ungiyoyin NGO.

A talakawan darajar abokin ciniki ta taimako ga NPF Savings Bank - game da 56 dubu rubles .. Wannan adadi - daya daga cikin mafi girma daga cikin manyan kudi. A musamman, shi ne game da 1.3 sau mafi girma daga kasuwar talakawan. Wadannan sakamakon na 2013 NPF Savings Bank gudanar da wani kasuwar rabo daga 6,65%. A girma daga tanadi - fiye da 72 biliyan rubles.