"Metrobank": antchito ndi kasitomala ndemanga

Mwatsoka, dongosolo banki zoweta lakonzedwa kuti mabungwe bwino, kutsogolera ntchito yopindulitsa kwa nthawi yaitali mwadzidzidzi kusiya kugwira ntchito. chifukwa ndi losavuta - banki revokes chiphatso kuchita ntchito yake. Chifukwa cha zowawa depositors wamba a banki - amene anali kusunga ndalama chawo. Ndipo n'chiyani chikuchitikira ndalama zimene banki opareshoni, chimakuvutani.

Mmodzi wa awa - "Metrobank". Reviews ndi deta boma kusonyeza kuti bungwe ataya laisensi mu 2015. Isanafike kukhazikitsidwa kwa zaka zambiri anatsogolera ntchito bwino monga stapovitsya bwino pambuyo kuonera ziwerengero (phindu ndi imfa mawu kwa zaka zenizeni). Dziwani zambiri za zimene tingachite "Metrobank", ndemanga ya depositors, amene ndalama "Anapitirizabe", komanso mfundo zina pa nkhani imeneyi, kuwerenga nkhaniyi.

General zokhudza banki

Tiyenera kuyamba ndi chakuti bungwe la anayamba kugwira ntchito yake mpaka kumbuyo 1993 pansi pa dzina "Mtundu-Bank". Pa nthawi yomweyo woyang'anira banki kampani anali amatha kupeza udindo wa Visa membala wa gulu, kuchita ntchito nkhani makasitomala. Pambuyo kuti timakhala ndi-ndi chuma yogwira ndi mlingo wa chitukuko.

Mwachitsanzo, mu 2005 gawo likulu anali ziwonjezeke kwa rubles 150 miliyoni. "Metrobank" posachedwa (ichi zikutsimikiziridwa ndi ndemanga antchito) analandira chilolezo kwa malonda sheya pa msika wogulitsa. Mu yomweyi, kukonza kunachitidwa kukopa makasitomala watsopano mwachangu anapita kulowetsedwa mu dziko dongosolo gawo inshuwalansi la Chitaganya cha Russia.

Pa zaka izi, mbiri banki, mukhoza kuona mmene kupanga zinthu zatsopano, kukula revenues, patsogolo kulemera ndalama. A June 1, 2015 ndi yang'anira mu msika banki, anaganiza kuti asinthe chiwembu chilolezo, imene iye ankagwira ntchito, "Metrobank". Reviews kusonyeza kuti izo zinachitika pambuyo bungwe anaima kulipira ndalama zawo. Dziwani zambiri za n'chifukwa chiyani zimenezi zinachitika werenganibe.

Mapulogalamu ndi mapulogalamu banki

Chinthu chidwi n'chakuti m'banja wachita angapo mankhwala ndakuwonetserani, amene panali kufunika kwa makasitomala. Makamaka, kuwonjezera kukongoza tingachipeze powerenga ndi kulandira madipoziti, kukonza nkhani ndi zoletsedwa, "Metrobank" (mayankho ochokera chitsimikiziro ndodo) oyamba ogula ngongole msika masitolo Intaneti. More ndendende, apa ife tabwera mmwamba kupereka ngongole kwa anthu ofuna kugula mu masitolo Intaneti. Izo zinachitika mu 2005, izo zikanakhala Sindingachite kupatsidwa mlingo osakwanira chitukuko cha umisiri zambiri.

The Bank akuyendera ndi zaluso zina zofanana mu gawo lapansi. Mwachitsanzo, zochita zinachitikadi mu 2008, chimene masabata 2 zimafika zilango onse pa ngongole nkhani kuti alipire wodzala wobwereka overdue. Komanso, m'chaka chomwecho izo linali lotsegula madipoziti Mipikisano ndalama, amenenso mbali pa mndandanda wa ntchito si kusukulu onse. Izi zikusonyeza mlingo wa chitukuko cha banki, iwo patsogolo umisiri banki chimene anagwiritsa ntchito zake.

mavoti

Kumene, anapatsidwa kukula pang'onopang'ono wa chuma gombe la ndi kuwonjezeka kutchuka kwake pakati makasitomala, "Metrobank", limene ife kufalitsa mayankho m'tsogolo, wakhala mobwerezabwereza anati mu masanjidwe osiyana. Mwachitsanzo, mu 2009, bungwe "Katswiri RA" wapatsa banki udindo wa "zovomerezeka ngongole kuyenera" (womwe ndi chizindikiro cha B ++). Kale mu 2012, osalekerera "ndi Banki.ru" Internet zipata n'kukagwiritsa kumalo bungwe 245-TH mu kusanja a mabanki mawu a buku likulu. "Komiti Yomanga Yachigawo" anagwira "Metrobank" kukhazikika gulu lachiwiri, chomwe a mabanki sing'anga-kakulidwe.

Ndiko kuti, tinganene kuti bungwe sanali pa malo oyamba mu mndandanda, koma iye anali ndithu zambiri makasitomala, motero kuonetsetsa kukula khola udindo banki kwa zaka zambiri. Mu 2014, ma sheya hoda anaganiza kusamutsa banki pa udindo wa chatsekedwa olowa kampani katundu mu mawonekedwe a "khamu olowa katundu".

Market pamalo

Lingaliro wonse wa bungwe anali motere: banki unaperekedwa kulikonse. Kodi anakopeka "Metrobank"? ndemanga kasitomala ofanana: banki kudabwa ndi osiyanasiyana ntchito: ngongole madipoziti, kasamalidwe sheya, ntchito wogulitsa.

makasitomala banki kukhala omasuka kuti kusintha mu Intaneti kachitidwe malipiro Visa, MasterCard lonse. Komanso banki anali olumikizidwa kwa ndalama "Rapid", kunapangitsa kuti agwire wotuluka ndi American Express macheke ndi Western Union.

profitability

Kuti anapatsa "Metrobank" kampani? Feedback ku ndodo akusonyeza kuti banki analibe vuto ndi phindu. Ngati inu mumakhulupirira mfundo zovomerezeka mawonekedwe a chaka-pa-mawu, tikhoza kunena kuti kuchepa mu buku la chuma zinachitika mu 2009 chokha. China chirichonse, banki anasonyeza yodalirika: kuchokera rubles miliyoni zina 807. mu 2006, katundu wake linakula $ 13 biliyoni mu 2014.

Kodi chidwi kwambiri, mitengo kukula zingaoneke pa muyezo ambiri: osati pa kukula okwana chuma banki, koma pa magulu boma monga ndalama kwa anthu, madipoziti, anapitiriza zasungidwa - kulikonse akalandira. Izi zikusonyeza kuti chitukuko cha kubanki ndi yunifolomu.

review layisensi

Komabe, ngakhale chirichonse, "Metrobank" chilolezo anathetsedwa. Izo zinachitika, monga tanenera kale pamwambapa, mu 2015. The Mlengi wa revocation ya anakhala Bank of Russia, amene amatchedwa kulephera kutsatira bungwe banki udindo wake ndalamawo, kulephera kutsatira malamulo ntchito akuononga zofuna za depositors ndi borrowers. Komanso mfundo zimene linasindikizidwa pa yang'anira malo, izo inafotokoza kuti zonse zimenezi zinali zotsatira za kusafuna oyang'anira banki kuti zisinthe mu bungwe lawo, chifukwa chosowa ndalama malo ngati si alipire cha ngongole chifukwa Kulephela kugwila zotchulidwa khotilo pa malipiro a depositaries chipukuta misozi.

ndemanga wosuta

Komabe, zonse izi ziri zoona. Ngati ife tikupeza bungwe chuma ndi dzina "Metrobank 'ndemanga pa ngongole ndi madipoziti, kukhazikitsa chithunzi chotsatirachi. Mu miyezi yomaliza ya m'banja pa ngongole asiya opereka msika. ogwiritsa Ambiri chabe anakana pamene yokhala zinthu pa gombe anakhalabe khola. Kenako "yoyamba kuitana" - akuchedwa la malipiro. Ndemanga zonse kuwoneka mofanafana kwambiri, ngakhale pali zolembedwa ndi anthu osiyanasiyana. Zili motere: Munthu akazindikira anawapatsa ndalama, namfunsa Iye kuti abwerere ndalama ake, anawapatsa ndalama Yankho, izi sizingatheke adzabweranso. Kumene, pambuyo pake anayamba mantha pakati depositors malo pa intaneti: anthu samadziwa koti apite ndi ndani, kuti achire ndalama zawo.

Feedback ku ndodo

zinali bwanji pa mbali ina ya mpanda chiyani? Kodi n'chiyani chinachitikira anthu amene ankagwira "Metrobank"? Popeza kuti chiphatso kukhazikitsidwa lakana, ambiri a iwo ntchito. Izi zimachitika: pambuyo kutsekedwa wa kampani anatsatira ndi kuchepetsa. Anakhudza ndi ndodo banki a. Malipilo a iwo, poyamba, nawonso Kutsekeledwa.

Kodi ndi chiyani? Zoonekeratu mfundo ziwiri: woyamba - kwa zaka zingapo, banki wasonyeza zotsatira zabwino ndi kupanga phindu. Chachiwiri - chaka chino otchedwa zochita nonprofessional wa kasamalidwe ndi chilolezo ntchito chichotsedwa. funso n'lakuti: chifukwa banki chatsekedwa bwinobwino, ndipo n'chiyani chikuchitikira ndalama zimene zinali mu nkhani yake? Iwo, zikuoneka, palibe amene angathe ...

Padakali pano, anthu akuyembekezera malipiro awo. Pamene iwo ali, ndipo ngati konse - nthawi adzatiuza.