"Terra Bank": abokin ciniki feedback, reviews. "Terra Bank": matsaloli

Kafin ka je wajen da banki, kowa da kowa yana karatu a daki-daki, game da shi feedback. "Terra Bank" - yana daya daga cikin Ukrainian kudi cibiyoyin, wanda kwanan nan ja hankalin masu zuba jari. Yau, kamar sauran irin wannan kamfanoni, kamfanin yana fuskantar wasu matsaloli, amma frankly magana, shi ne a kan gab da fatarar.

Bari mu koma baya

Tabbatacce feedback, "Terra Bank" a cikin abin da akwai sau da yawa sosai cika da Internet a lokacin da kudi ma'aikata dauki 16th wuri a cikin ranking National Bank da kunshe a cikin na uku kungiyar na kudi cibiyoyin. A izini babban birnin kasar na banki ya daidaita 557 141 dubu hryvnia. A karshe nasara lokaci a karkashin review, da kudi da ma'aikata ya nuna ribar $ 1.107.892 hryvnia. Net sha'awa samun kudin shiga na 71.787 hryvnia. Bisa ga litattafansu na Genre, shi ne a yanzu ya sa a cikin wani ma'aikata kamar "Terra Bank", da rikon gwamnati. Cibiyoyi zuwa 16th a jerin, tare da girmamawa ga wanda jihar ya dauka m matakan. Ya kamata a ce cewa canza hudu masu na kungiyar for karshe 4 years. A karshe biyu masu yi amfani da wani kudi ma'aikata kawai don dalili na janye kudi, wanda janyo hankalin masu ajiyar karkashin wuce yarda high amfani rates.

duk abin da canje-canje

A baya can wata nasara da kuma m, "Terra Bank" (Kiev), wanda a watan Yuli 2014 ya dauki fiye da 16-th da kuma 42-th wuri a cikin ranking na NBU, Agusta 22 da aka ayyana wanda arzikinsa ya karye. Bayan haka, Deposit Garanti Asusun ya yi shawara game da shigar da ma'aikata na wucin gadi gwamnati na tsawon watanni uku. A daidai wannan lokaci da muka fara wani aiki search for masu zuba jari. Irin ayyuka sun sakamakon da babbar flurry na korau abokin ciniki reviews. Mutane suna rayayye rubuta koke a kan kudi cibiyoyin da kuma koka ga daban-daban hukumomin saboda gaskiyar cewa wani banki ~ a wa doka, kuma ba ya cika da wajibai zuwa ajiyar.

The canji na shugabanci - mataki na farko wajen rashin zaman lafiya

Da zarar gabatar a cikin irin wannan ma'aikata a matsayin "Terra Bank", da rikon gwamnati, da jama'a ya zama akwai sosai tsawo da kuma m tarihi na canji na ikon mallakar. Da farko, da kudi ma'aikata da aka sani da "zuba jari-Bank Kryvbas", halitta a 1995 a kan ƙasa na Kryvyi Rih. A shekaru goma daga baya, a shekarar 2005, da ma'aikata samu wani sabon sunan - da "zuba jari-Credit Bank". Shi ne kawai a shekara ta 2007 , da kudi ma'aikata ya bayyana a gaban jama'a a cikin nau'i a wadda ta san shi a yau. Last canji na banki da sunan da aka qaddamar da sabon owner, wanda ya juya ga zama darektan Baitulmalin "Oschadbank" Kolobov yi aiki tare da shi Prikhodko da Davydenko. A matsayin shugaban kwamitin tafi Sergey Shcherbina. A cewar shi, da kafa da farko ya ga nan gaba raya dabarun na kudi ma'aikata. Suna kawai ya so ya kawo cikin ma'aikata da janar Ukrainian matakin tare da view to resale. Active ci gaban da kamfanin da aka za'ayi ba tare da stock na dukiya, kawai a kudi na riba.

Me sosai disgruntled ajiyar?

Korau feedback, "Terra Bank" wanda ya bayyana a matsayin wani ma'aikata ya kasa cika da wajibai, zuba a daga dukkan bangarorin. Inda ya yi da kudi cibiyoyin matsayin abokan ciniki, idan aka asali mayar da hankali a kan sabis kawai Enterprises na Krivoy Rog? A halin da ake ciki da aka bayyana ta da cewa tuni a shekarar 2007 da kamfanin da aka canjawa wuri zuwa Kiev, da rassan da aka bude a birane kamar Dnepropetrovsk da Odessa, Kherson da Lviv, a cikin wasu. A total akwai game da 21 sashen. A farko ƙoƙari sayar da aka riga rayayye tasowa cibiyar sadarwa da aka yi a shekarar 2009. Sabawa da tsare-tsaren da sanya duniya rikicin na 2008. sale ma'amala da ya faru a 2010 kadai. The canji na jagorancin aka tare da wani aiki flourishing ma'aikata. Godiya ga Kirill Shevchenko Vadim Kopylov Cibiyar ta dukiya girma ya 1.4 biliyan hryvnia. A farkon shekarar 2012, babban birnin kasar cibiyoyin da aka daidaita 2.9 biliyan hryvnia. Babu wani abu da ya nuna cewa saƙonni zai bayyana a cikin gaba 'yan shekaru da cewa "Terra Bank" ba koma da ajiya.

dual resale

A tabbatacce ci gaban da sha'anin labari zai dade ba. A shekarar 2012 da kuma a 2013 da bankin da aka resold sau biyu. The duhu tarihi dangantawa da Tsyplakova, daya daga cikin na karshe masu na ma'aikata. Financial kwanciyar hankali da aka jeopardized lokacin da ma'aikata ya biya rancen daya daga cikin kamfanonin kasuwa na $ 40 miliyan. Akwai jita-jita cewa kasuwanci ya kudi a kudi na masu zuba jari. The bashin ba a biya, shi ne wata ila ya mai da banki kanta kuma gafarta. A cikin 'yan watanni, da aiki aiki na banki, ya janyo hankalin dukan sojojin zuba jari, miƙa su a ajiya tare da wani kudi na 26,5%, wani gagarumin karuwa daga cikin talakawan index a cikin kasuwar. Sa'ad da lokaci ne yanã gudãna daga haɗin gwiwa tare da masu zuba jari banki "Terra" don en adibas ki.

Ambaliyar ruwa da korau sake dubawa

Bayani kasawa sosai da sauri yada a cikin al'umma, kuma mutane garzaya zuwa karbi kwangila da kuma janye kudi. A sakamakon haka, akwai wani babban birnin kasar outflow. A babbar yawan disgruntled ajiyar saboda gaskiyar cewa "Terra Bank", matsaloli wanda ya fara a shekara da suka wuce, ya ha] a da National sufurin jiragen sama University. Abokin ciniki adibas, janyo hankalin wannan sashi, bisa ga na farko kimomi, akwai miliyan 45 hryvnia. By lokacin da cikakken daskarewa asusun da suka zauna na adadin miliyan 2.5 hryvnia.

A farko matsala da yunkurin ceto wani nitsewa jirgin

Lokacin da kudi ma'aikata daga duk bangarorin strew korau sake dubawa, "Terra Bank" ya dauki wani da ban sha'awa sosai matsayin cewa a fili ya nuna cewa gwamnati ne kokarin duk yiwu hanyoyin da za a fitar da tsabar kudi. A a layi daya, mai aiki ad da na kwarai gudunmawar, har zuwa gabatarwar da rikon gwamnati, har ma a aikin a cikin ma'aikata da curator na NBU, gudanar da aiki na rance kasuwanci. Iko ginawa da rance fayil da aka gudanar a kudi na kananan masu zuba jari. Yana da daraja yana cewa rance a cikin adadin da dama da ɗari dala miliyan samu daga kamfanin ta rijista babban birnin kasar a cikin wani ɗari da dubu hryvnia. A advisability na kudade zai iya sauƙi a kira a cikin tambaya. Don ce more, wadannan abokan ciniki na banki, kamar yadda kamfanin "Air-Factoring" da "yanayin", "Mafi Course" da kuma waɗansu da yawa, ba kawai yana da wani alkawarin dukiya a cikin adadin rance, ba su da kwatance, wanda za a iya biya kudi don zuba jari . Lokacin da gidan wani babban ma'aikata, Krivoy Rog, "Terra Bank" yi fatan high. Yau da shi ya zama wani kayan aiki na kudin haram, ko hukuma da ya tabbatar da cewa shi ba zai yiwu ba.

Abin da aka boye daga jama'a?

Kamar yadda na aikin kafofin, na farko matsaloli a banki aka rubuta a shekarar 2013. A wannan lokacin, da aiki da asarar amounted zuwa tufka miliyan 22 hryvnia da watan. A bakon abu ne cewa a sakamakon, jimlar riba na kamfanin zambar miliyan 1.7 hryvnia. Matsalar ita ce, da asusun na kudi ma'aikata ya da nisa daga gaskiya. A watan Afrilu, da National Bank of Ukraine ya sanya wani zuba jari a "Terra Bank", darajar musayar kudi da idon sãɓã wa jũna daga fafatawa a gasa, 'ƙonawa. A girma daga refinancing zambar game da 77 miliyan hryvnia. A lokaci guda bankuna suna kokarin duk lokacin da za a biya a jihar wajibi ga gabatarwar da rikon gwamnati. Ko kafin gabatarwar management ma'aikata gwamnati da aka gaba daya gyara. An sallami kusan duk mambobi na hukumar. Kokarin sayar da kudi ma'aikata a lokacin rikicin sun gaza.

Ta yaya ya kamata ya yi?

Babban dalilin da bankin matsaloli - shi ne wani batu na illiquid rance ga kamfanoni masu alaƙa. Bisa ga sallami gwamnan bankin na 320 da miliyan bã a rance, kawai 80 ne returnable. A kan wasu, za ka iya kawai manta da shi. Wani mai ban sha'awa Gaskiyar ita ce, kamfanin yaba gaba ɗaya bace. Mutane da yawa ba su ma suna da albarkatun a kan yanar-gizo. Rajista ofisoshin da aka jera a rajista takardun da basu wanzu. Kuma wasu daga cikin kamfanin, kuma duk aka rajista a wannan adireshin. Nagartaccen zamba makirci a fuskar. NBU to ko ta yaya kawar da adibas na abokan ciniki, ya kamata dauki aiki matakan. A nan muna magana ne game da invalidation ma'amaloli dangane da wuce haddi na da bashi da iyaka, ko dai saboda rashin isasshen arziki a cikin kudi Enterprises. A IMF da kuma rikon gwamnatin kamata a hankali hadin warware tambaya diyya ga masu zuba jari.

Ko da halin da ake ciki "Kristalbank" gyara?

Bayan wani cikakken nazarin halin da ake ciki, an yanke shawarar kirkiro tsaka kudi ma'aikata "Kristalbank", wanda a nan gaba kamata ya kawar da duk kuskure "Terra Bank" shugabanci. A aikin da aka aiwatar a karkashin taimaka da Asusun lamuni adibas na halitta mutum cewa ya ba da wasu da bege ga masu zuba jari da dawowar su kudi. A izini babban birnin kasar na rikon kwarya cibiyoyin FGVFL kawo game da 1,522 miliyan hryvnia ga diyya masu zuba jari. Wannan shi ne yawan, a 2015 zai zama cikakken refunded. Wannan aikin ne in mun gwada sabon for Ukraine da kuma masa abin rekõdinsa a cikin tambaya. An sani ga wasu kawai da cewa mafi yawan aiki da gudummuwa samu biya, ko da waje da lokaci da iyaka. Active inganci m kudi ma'aikata za su tabbatar da cewa duk wajibai an riga ya sadu da ta karshen shekara ta 2015 zuwa dukkan mutane. A general, da FGVFL goyon bayan game da 50 bankuna, don haka da cewa wani babban kaso na masu zuba jari da dama domin wanke su tanadi.