"Baltic Bank", dhibaatooyinka la "Bankiga Dhexe" (2014)

"Baltic Bank" - mid ka mid ah goobaha ganacsiga ee ugu da'da weyn, bilowday hawl dalka reer Federation Ruush ee 1989, ka dib helitaanka liisanka ku haboon ka Bank of Russia. heerka isku halaynta iyo xirfad ka qaybgalka muujinaysaa hay'ad maaliyadeed in nidaamka caymiska deebaajiga iyo bulshada dheereeya. Laakiin muddo dheer ma ka hor, waxaa jira cadaymo muujinaya in ay jiraan dhibaatooyin at the "Baltic Bank" la Bangiga Dhexe.

History of horumarinta

Leningrad Innovation Commercial Bank waxaa magacooda loo baxshay "ayuu Baltic" in dhowr bilood ka dib markii ururka. Afar sano ka dib, wuxuu helay ruqsad si ay u qabtaan xawaalad lacag qalaad oo ku biiray deg deg ah. In 1994 wuxuu la birta qaaliga ah, kaararka arrinta Mastercard shaqada bilaabeen. Isla mar ahaantaa, waxaa jiray boosteejada qaata kaarka. Waxaa bilaabay nidaam lagu fog in ay helaan xisaab. Sannad ka dib, bangiga waxay bilaabeen inay bixiyaan credits aqbalo iyo dhaqan ugu horeysay ee jeegga.

In 1997 yimid ATM horeysay "Baltic Bank", ayaa la bilaabay by nidaamka lacagta listicmaalka, iyo sidoo kale bixinta adeegyada korontada. barnaamijka of mortgage iyo baabuurka deyn la soo bandhigay labo sano ka dib. In 2000, kaararka oo kuwii hore ka soo saaray VISA Electron, Gold, Business iyo Classic. Behind debit bilaabay soo saarista kaararka deynta. "Baltic" noqday xubin ka mid ah nidaamka lacag bixinta "Golden Crown".

By 2010, kala duwan ee adeegyada maaliyadeed waxaa ka mid ah: kayd in lacagta qaranka iyo kuwa shisheeye, hirgelinta credit iyo bixinta kaararka, deyn ujeedooyin kala duwan, furitaanka iyo dayactirka xisaabaadka, xawilaadaha lacagta, oo ay ku jiraan nidaamka Western Union, qaata lacagta, xawaalad la Bangiga Dhexe, ammaan sanduuqa kirada deposit, iyo wixii la mid ah.

natiijooyinka

In muddo 24 sano ah hawlgalka bangiga helay 18,000 oo shirkadaha iyo 2.5 milyan oo macmiisha gaarka ah, ayaa soo saartay shabakad ka kooban xafiisyo 31 magaalooyinkii dalka Ruushka, ayaa soo saaray in ka badan 1.3 milyan oo kaararka caaga ah oo lagu rakibay qeybtii kun ATM. Cooperation la MIDOWGA ee WESTERN, MasterCard iyo VISA International qayb qaatay horumarinta urur dhaqaale. In 2012, hay'adda credit ka dhacay 66aad marka la eego hantida saafiga ah, 13 by tirada kaararka caaga ah iyo ATM.

"Baltic Bank", dhibaatooyinka

20.08.2014 Baanka Dhexe ku dhawaaqay hordhaca ah ee maamulka ku meel gaar ah ee "Baltic". function waxaa la aaminay in ay "kayd Agency Strass" muddo lix bilood ah. Under qorshaha, DIA, si ay u ilaaliyaan ah hantidooda of bangiga laga maalgelin doonaa 10 billion rubles sanadka gudihiisa. Control of nidaamka dib u soo kabashada waxaa la sameeyaa DIA. In mustaqbalka dhow waa in aan dooran guriga kalkaalinta ah.

Waxa uu dhawaan ka warqabto go'aanka maxkamadda heshiisiin saaro bangiga ee ka soo dhismaha. Muddada heshiiska on goobta dhacay bishii May 2013. Dukumiintigaas ayaa saxiixay la "Federaalka Property Management Agency" sanadkii 2004. LIISAN - "Baltic Bank" (St. Petersburg). dhibaatada fayadhowrka sii xumeeyay khilaafka gudaha ah saamileyda ah. Sida laga soo xigtay goobta, hantida hay'adda maaliyadda ay leedahay ay madaxweynaha Oleg Shigaev, LLC "Baltic Trade House", (waayo, 49,877%) iyo Elena Prokhorenko (0.13%). In ka badan hal sano ka hor waxaa jiray warar sheegaya in bangiga uu doonayo in la iibiyo. Laakiin saamiyada ku heshiin waayeen qiimaha. Si ay u xaliyaan khilaafkooda markay tageen si ay maxkamadda.

Faahfaahin dheeraad ah oo ku saabsan nadaafadda

Sida laga soo xigtay falanqaynta, xaddiga in Bankiga Dhexe uu bixiyey soo kabashada, waxaa aad u yar, sidaas line uusan haysan in ay sugto sanatorium ah. From lacag u gaar ah, "Bank of Russia" ayaa bixin doona heshiis amaah ah oo 10 billion rubles, halka jaangooyaha uu leeyahay in la helo maal ah soo kabashada ee hay'adda credit ah. Laakiin bixitaanka eedeymo hawlgallada cadaalad darro hay'adda maaliyadda la hantida sii xumaatay xaaladda. Haddii macluumaad la xaqiijiyay, xogta lagu kala qaado doonaan in ay hay'adaha fulinta sharciga. Ilaa hadda, bangiga sii wadaan in ay ku shaqeeyaan, baaxad leh ka buuxa adeegyada dib u dhac la'aan iyo argagax.

Dhibaatooyinka ee "Baltic Bank" sabab u tahay tirada badan oo hantidooda "non-shaqo". Tani waxay keentay in ay halis hantidooda. Saamilayda iyo maamulayaasha ma xakamayn kartaa qiyaasta ah in ka badan 40 bilyan oo rubles. Xaaladdan, oo gacanta ku hal, waxay sababtaa dhibaatooyin dhaqaale, iyo dhinaca kale ah - waxay suuro gelineysaa in uu soo jiito maal-cusub si ay "Baltic Bank".

Dhibaatooyinka la xiriira Bankiga Dhexe ay sabab u tahay xaqiiqada ah in hay'ad maaliyadeed ma ahaa credit rating hal a waayadan dambe. Waxa aanu sii lacagaha ee dawladda gobolka. Dhammaadkii sannadkii hore, "RA Expert" ayaa hoos u rating bangiga ee ay sabab u tahay saamiga magaalada hoose iyo xaddi weyn oo akoonka lacagta.

Dhibaatooyinka hortaagan dib u soo kabashada

Sida laga soo xigtay Interfax, 69 marka la eego hantida degan "Baltic Bank". Dhibaatooyinka soo bixi kara ee 2014 inta lagu jiro nidaamka dib u soo kabashada. In hay'ad weyn credit waxaa laga yaabaa in waajibaadka cusub. qayb ku ool ah oo hantida la xidhiidha milkiilaha ganacsiga. Sidaa darteed, ee raba inay wax yar fayodhowr Dheriga. tirada saxda ah ee hantida xiriirta waxaa la ogaan doonaa natiijada shaqada DIA ah. Laakiin waxaa jira qaar ka mid ah cadaymaha hadda. bangiga wuxuu leeyahay lacag ku awood ammaanada guud ahaan 4.6 billion rubles. Qiimaha suuqa ee ugu iyaga ka mid ah ayaa ku dhow inuu eber. Qayb ka mid muhiim ah faylalka tacliimeed amaah ay - 18.7 billion rubles - in aan lagu celin. Si rasmi ah, "ayuu Baltic" ayaa helay faa'iido ah saddexdii bilood ee sannadka 2014. Laakiin haddii aynu ka dhimo cadadka si saamileyda hadiyado iyo dakhliga ka soo hantida helay lacag la'aan ah, faa'iido jirsado galay khasaare. Musharaxiinta ugu weyn ee doorka sanatorium ah - "Alfa-Bank" iyo "Life".

xaalad xumeyd ee xaaladda

Caqabad kale oo wadada ku soo kabsanayay - faylalka qaloocan. Bank kiciyey lacagaha iyada oo kayd qaali ah. Ma jiro wax si ay u soo noqdaan. Hantida "Baltic" dakhligoodu hooseeyo. line Main garoomada maanta - bixinta daymaha in hay'adaha sharciga iyo maalgelinta hantida maguurtada ah.

Lix bilood ka hor, bangiga dhexe ayaa ka mamnuucay hay'ad maaliyadeed in ay dadweynaha qaataan kayd. dacwaddan ayaa la qaatay. Sidaas darteed, in June, waxaa la sheegay dib u dhac bixinta. "Baltic" sharaxay khasaaro ka yar oo lacag caddaan ah. Maanta on goobta "Bank of Russia" macluumaad ku saabsan waafaqsanaanta shuruudaha hantidooda hay'ad maaliyadeed maqan.

"Baltic Bank": dhibaatooyinka macaamiisha

Ka dib markii warar ku saabsan dhibaatooyinka dadka ka soo cararay si ay lacag uga xisaab baxaan. Tani ma saameyn ku yeelan kartaa loobahanyahay ee hay'ad maaliyadeed. Macaamiisha - xataa ay joogaan dhammaan dokumentiyada lagama maarmaanka ah - saari waayeen lacag dhigaal ah hab la qorsheeyey. In aan ku xuso joojinta hore ee heshiiska.

In ka badan tobankii sano ee la soo dhaafay, heerka adeegga ayaa ku hadhay shiidaa iska beddelin. Si aad u furtid deposit ah ee bangiga, qofka macaamiisha ah waa in marka hore la ogyahay tiro ka mid ah xayiraad. Waa midda koowaade, lacag badan oo loogu talagalay joojinta dhicis ah ee heshiiska. Marka labaad, tixgalinayo in account wuxuu noqon karaa qadar yar oo ah lacag caddaan ah oo kaliya. Last, iyo inta badan aan la fahmi karin - dhamaadka heshiiska in lacag ay hay'ad kale oo maaliyadeed ma awoodo wareejiyo. arrimaha "Baltic Bank" in 2014 uu sharaxayaa siyaasadda maamulka ku meel gaarka ah. Laakiin muddo dheer ka hor cunaqabatayn ku soo rogeen heerka adeegga macaamiisha ayaa dad badan waxaa loo doonayaa. dib u eegista macaamiisha badan oo forums this xaqiijin. Ma aha in ay sal lahayn, waxaan ku soo bandhigaynaa oo kaliya qaar ka mid ah.

Bandhigyada hawlaha aasaasiga ah (.. Bixinta biilasha ah ee korontada, iwm) ee waaxda qaadataa nus saac ah - la xidhiidhka kala go 'la Tababaraha iyo khasnaji ee bangiga. Kuwa doonaya in ay lacagta iyada oo loo marayo bangi internet filaysaa lama filaan ah oo dheeraad ah oo ah qaab software dheeraad ah in uu yahay oo kaliya la jaan qaada nidaamka ka hawlgala Windows ah (ma aha oo ku saabsan macruufka iyo Android ku leeyahay). Laakiin tani waa waxba marka loo eego saxiixa "shaqsi" waajibaadka bixinta kasta oo ka mid ah agaasimaha hay'ad sharci ah. Hel waqtiga hadda bayaan maalintii - 13:00.

Tiro badan oo ka mid ah hawlaha "hordhaca ah", dulsaarka sare on credit card iyo adeega waxaa si lama filaan ah hor istaagay, xafiisyada wasakh ah, shaqaalaha adeega karin - dhibaatooyinka caamka ah la "Baltic Bank", laakiin, sida ay soo baxday, ma aha ugu muhiimsan ...

nidaamka failure

Recently, waxaa jiray warar on forums ka cabanaya oo ku saabsan xaday lacag ka xisaab. Macaamiisha u yimid inuu warbixino phone bixitaanka adeegyada online lacag ah, tusaale ahaan, "Yandex", iyada oo aan xaqiijin by kaarka. Xitaa gudbinta waqtigii of codsi waaxda ma xal u helidda dhibaatada. Lacagta soo celiyaa xisaabta maayo. Dabcan, wuxuu xaday lacag ka account of macmiilka jiro khamri. Waxaa loo baahan yahay ma aha mar kale in uu ka tago xogta websites shisheeye on your map. Laakiin maanta, bangiga kasta oo is-ixtiraamida ugu yaraan bari doonaa xayiraad on layliga macaamil aan lacag caddaan ah Internet-ka, iyo sidoo kale ugu badnaan - baxaan kasta sugi doonaa SMS xaqiijin macmiilka.

forums waa sidoo kale inta badan ee suuragalka ah in ay la kulmaan cabashooyinka macaamiisha in la beddelo go'aannada daynta la joogo ee la soo dhaafay. "Baltic Bank" ayuu yiri dhibaatooyinka si fiican nidaamka. Loo yaqaan oo laysku markii dhowr saacadood ka dib codsanaya amaah ah call macmiilka dib uga bangiga iyo ayaa lagu casuumay in ay xafiiska ka baaraandegidda dukumentiyada. Laakiin waaxda sheegay in fashilka of barnaamijka keentay in xaqiijin ah uu khalad ahaa ee codsiga. Comments ...

oo kooban

Sidaas daraaddeed, hay'ad kale credit, ka hooseeya "daahirintiisa" Bankiga Dhexe ku dhacay - "Baltic Bank". Dhibaatooyinka la xiriira Bankiga Dhexe ay sabab u tahay tirada badan oo hantidooda la jaalka ah. Arrintan waa DIA. Waxaa laga yaabaa in, haddii ay la wanaagsan xalin karo, maal-cusub ayaa xiiso u hagaajinta adeegga. Inta lagu jiro jiritaanka dhibaatooyinka "Baltic Bank" oo la xidhiidha tayada saboolka ah ee adeeg, oo ma xallin karo on iyaga u gaar ah.