Mavoti mabanki Chiyukireniya malinga ndi mlingo wa kudalirika kwa 2016

Mavoti a mabanki ku Ukraine ali analemba miyezi itatu iliyonse ndi chaka-yotsiriza. Ofotokoza inachokera ku mumaganiza zofunika kwambiri kasinthidwe wa msika chuma, kudziwa bwino kwambiri ndi kuthedwa makampani. Malinga ndi zotsatira omaliza 2016 kuonetsa ntchito mabungwe yabwino mothandizidwa ndi likulu lina. Pakati pa 50 waukulu mabungwe ndalama dziko chimatengedwa ngati yodalirika , "Mawu Agricole Bank".

Kupenda zinthu

kantchito ndi amphamvu kwambiri pa Chiyukireniya banki msika zaka 2. Ndipotu ameneyu ndi zinthu zitatu. Poyamba, boma kuugwira pa mbali ya gawo zinachititsa kuti imfa ya ulamuliro pa magombe a borrowers ndi ina. pafupifupi 15-20% ya okwana mbiri ngongole.

Chachiwiri, hryvnia devalued ndi maulendo oposa 3 anapanga kuwombola yachilendo ngongole mathandizidwe zovuta kukhulupirira. Ngakhale kuti borrowers amene mukufuna kubwezera iwo. Pakutha 2016 (malinga ndi Bank National la Ukraine), 47,8% ya ngongole zonse zinali ndalama. Ichi ndi lofanana biliyoni 327 hryvnia. Ndi ndalama zimenezi ayenera kuthandiza mabanki kubwerera yokwana biliyoni 404 madipoziti hryvnia mu ndalama zakunja.

Chachitatu, kuchepa kwa chuma chenicheni (ngakhale mu UAH mawu) ndi kuuka ulova kungasokoneze pa ngongole.

popezera mpata

Pansi pa zikhalidwe izi, zinthu zazikulu bwanji kudalirika kwa mabanki ndi:

• Chilakolako cha ma sheya hoda yotithandiza gulu la ntchito ndi ndalama za (omwe Mulungu anawanenanso chiopsezo).
• Chilakolako cha Bank National a Ukraine yopeza pofuna kupulumutsa mabanki.
• Mwayi kutero.

Yayikulu mphika, wamkulu chilakolako choti amuthandize, koma koposa ndalama chofunika kuti apeze ndalama.

magulu banki yachilendo Large

Ngakhale kuti mabanki yodalirika ku Ukraine, asonyeza bwino mu msika dziko. Amphamvu udindo amasiyana mabungwe otsatirawa a European gulu, "Raiffeisen Bank Aval", "UkrSibbank" (BNP Paribas), "OTP Bank", "Mawu Agricole Bank", "Kredobank" (PKO BP), "ProCredit Bank", "Pravex Bank "(Intesa)," lingaliro Bank "(Getin).

Komabe, ngakhale pali malo ofooka gulu ili: pafupifupi mabungwe onse European m'pomveka katundu wake Chiyukireniya. Pa nthawi yomweyo zogulitsa lotsiriza la eni Chiyukireniya kapena Russian kale zinachititsa kuti bankirapuse zaka zingapo. Mwachitsanzo, izi zinachitika ndi kuvutika mabanki Chiyukireniya, monga "Forum" ndi "Kreditprombank".

Komabe, akatswiri osaganizira 4 makampani ndalama kupereka kwa makasitomala lalikulu makampani okha: "Ing", "City", "Deutsche Bank" SEB. Bank "Europe Mawu" (mgulu mayina mu Netherlands, yoperekedwa kwa anthu - nzika za Turkey) komanso makamaka zimatenga kwa mabizinesi ang'onoang'ono ndi sing'anga, koma osati anthu.

Zina mwa zifukwa

Pa mlingo a mabanki Chiyukireniya wokwatibwa ndi makampani akunja, anakhudzidwa ndi dziko la chiyambi cha vuto. Izi n'zofunika makamaka kwa mabungwe ku Russia, Greece ndi Cyprus. Russia ndi pansi ziletso lonse, akudwala kugwa lakuthwa mu mitengo mphamvu ndi devaluation wa ndalama zake. Greece ndi mavuto a zachuma kwa zaka zapitazi 10 ndipo anayambitsa m'chilimwe cha 2015 ndi zoletsa kwambiri pa wotuluka banki kuti nzika. Cyprus mu 2013, msonkhano "ziŵalo" wa madipoziti ku mabanki dziko awiri waukulu kuchotsa mbali ya ndalama ya ndalama mu magawo amene singathandize.

Choncho, luso a mabanki ochokera m'mayiko zimenezi kuthandiza mayunitsi awo Chiyukireniya m'tsogolo zikutipatsa mafunso. Full mndandanda a mabanki ndi likulu Russian: "Ukrsotsbank", "Prominvestbank", "Sberbank la Russia", "Alfa-Bank", "VTB Bank", "Vieste Bank", "Forward". Ndi mabungwe a Greece ndi Cyprus ndi: "Universal Bank", "Piraeus Bank ICB", "Marfin Bank".

The chilimbikitso chachikulu magulu awa banki - kukhalabe mbiri ku misika ya Central ndi Eastern Europe - limakupatsani kukhazikitsa mitengo m'munsi pa madipoziti poyerekeza ndi mabanki m'deralo. Chiyukireniya "Mwana" wa bankirapuse angawononge kuti mbiri.

mabanki Chiyukireniya

Chiyukireniya boma akumeneko mabanki sali mu mawonekedwe abwino. Komabe, boma ndi Bank National akuyesetsa kuthandiza iwo munjira ina iliyonse. Pa 2015, boma ndalama pafupifupi 20 biliyoni hryvnia ku likulu ovomerezeka Oschadbank, "Ukreximbank" ndi "Ukrgasbank", ndi Ine kotala ya 2016 ndi analamulanso kuti oposa 14 biliyoni hryvnia.

The mlingo wapamwamba a mabanki Chiyukireniya za likulu anzawo, m'magulu awa: BNP Paribas, Mawu Agricole, PKO BP ( "Kredobank"). ngongole awo mlingo ndi ndalama: A1-A3 (pafupifupi apamwamba).

A mkulu mlingo wa kudalirika ndi banki gulu Intesa ( "Pravex Bank") ndi Raiffeisen, ngongole mlingo, nawonso, ndi chuma: Baa1, Baa2 (Aperewera). apamwamba kwambiri ndi mlingo wa mabanki Chiyukireniya OTP ndi Procredit makampani. A mbali zabwino ndi ndalama ngongole mlingo Procredit pa BBB (Baa2 ofanana). OTP ngongole mlingo ndi mlingo munsili ndalama Ba2, BB +.

A mndandanda wa mabanki yodalirika

List a mabanki ku Ukraine walunjika ndi "Mawu Agricole Bank". Kwa nthawi yaitali malo uyu wagwidwa "UkrSibbank". Top khumi mabungwe ndalama motere:

• Mlingo wokweretsa cha kudalirika pa makampani Mawu Agricole (1 place), "Raiffeisen Bank Aval" (2) ndipo Oschadbank (3).
• Mkulu misinkhu chionetsero "Kredobank" (4) "Ukreksimbank" (5).
• Pakati pamwamba khumi, "UkrSibbank" (6) "Citibank" (7) ndipo "ProCredit Bank" (8).
• Zikwanire kudalirika mlingo Y "UKRGAZBANK" (9) "UKRSOTSBANK" (10).

mumaganiza

Private Chiyukireniya mabanki zaka zomalizira 8 chiyembekezo kumbuyo. 01.01.2015 chaka china monga mwa NBU mwa mabungwe waukulu "Delta Bank" (tsopano zinatha) wotanganidwa malo 4 mawu a chuma, "Nadra Bank" - 11, "Finance ndi Mawu" - 13. Ndani pakati pa gulu la 14 mabanki waukulu awiri okha Chiyukireniya wokwatibwa ndi ma sheya hoda payekha. 100% ya KUSOWA wa zaka zapitazi 10 - wapadera Chiyukireniya mabanki.