Lero lero, msika umakhala wabwino kwambiri wolumikizana ndi makasitomala pamsika wa katundu ndi ntchito. Pali kulowa kwaukadaulo kwaukadaulo m'mbali zonse za moyo, kuyambira ndi dongosolo la chakudya kupita kunyumba ndikuyitanitsa taxi asanayende agalu ndi magalimoto obwereka. Ku Russia, dziwe la nsanja za digito yofunikira kwambiri limapangidwa pang'onopang'ono. Tsopano zimaphatikizaponso Aliexpress Yachilendo (China), Amazon (USA), kuchokera ku ogulitsa zapakhomo omwe ali pangozi omwe amatsogolera matchire atchire oyambitsidwa ndi ma lamon.
Malinga ndi gulu lowunikira la chidziwitso cha bungwe, pofika 2024 e-commerce itenga 19% (7.2 thililiyoni) kuchokera ku malonda ogulitsa ku Russia. Pamapeto pa Meyi 2020, chizindikiro chofananacho chinali pamlingo wa 9% (2,5 thililiyoni).
Ndalama zogulitsa zazikuluzikulu kwambiri ndikugulitsa kampeni yotsatsa kuti akope makasitomala atsopano, ndikukulitsa mwayi wopezeka ndi momwe zinthu zilili ndi miyambo ya miliri . Mu theka loyamba la 2020, kugulitsa kwapaintaneti kwaulere kumawonjezeredwa poyerekeza ndi nthawi yomweyi ndi 2019.
Malinga ndi akatswiri, "boma losagwira ntchito" linatsogolera osachepera mamiliyoni 10 aku Russia mu malonda pa intaneti; Sitikukayikira kuti chizindikiro ichi chidzakula. Pamapeto pa kukula kwachuma ndi kudalirana kwa mayiko, malongosoledwe amakono pamitundu yambiri ya moyo wathu akhoza kukhala ndi chidaliro kuti chikangalikane ndi nsanja za zamagetsi zongogwiritsa ntchito bizinesi.
Makampani angapo amatha kusiyanitsidwa, momwe ukadaulo wa pamsika wapeza kale ntchito yake. Ndi malo okhala, nyumba ndi nyumba zina, maulendo oyenda, nyumba ndi othandizira, omaliza, ntchito yobwereka, ntchito yazaumoyo, ntchito komanso ena ambiri. Ichi ndi gawo lantchito, popanda zomwe zingakhalepo.
Koma ndikofunikira kufunsa funso: Kodi gawo lotsatira la kuphatikiza?
Chimodzi mwazinthu zodziwikiratu za kupanga malonda pa intaneti ndi kuchuluka kwa ukadaulo wazachuma. Kale, mutha kuwona kufunika koyambitsa ukadaulo ndikupanga zachilengedwe kukhala kuti mugulitse zinthu ngati makhadi a kubanki, ntchito zam'manja, ndalama zam'manja, ndalama zotsegulira komanso Kuyang'anira maakaunti a Sounrage, IIS ndi zina zambiri.
Msika - Moyo Watsopano Wazachuma MisikaMonga tanena kale, tikuwona kuphatikiza kwapadziko lonse kaukadaulo wamasika kumadera ambiri a moyo wathu watsiku ndi tsiku. Chifukwa cha chitukuko chamisika yazachuma, ukadaulo m'mabanki ogulitsa ndi ndalama (katundu wa ngongole, makhadi a ngongole, ntchito za inshuwaransi, zomwe zikuwoneka bwino). Ntchito ya "Marcation" imabwera m'mutu, yomwe idayambitsidwa ndi bank of Russia mu Disembala 2017. Cholinga cha polojekiti ndikupanga chimango chamalamulo kuti chikhale chogulitsa chakutali chazachuma m'dziko lonselo, ngakhale zidaletsa zochitika zapadera, zojambulidwa ndi zochitika zapadera ). Bill yovomerezekayo idakhazikitsidwa ndi State Duma of the Russian Federation m'chilimwe cha 2020, makamaka kupanga zida zamalamulo ndi mwayi watsopano ndi mwayi watsopano pakukula kwamisika.
Ndikofunikanso kudziwa kuti polojekiti yatsopano ya kusinthana kwa Moscow ndi "makumi atatu", yomwe idakhala "hyperkermate yoyamba yazachuma mu nsanja ya ku Russia. Mpaka pano, nsanja imakhala ndi ntchito zosungitsa kuchokera ku mabanki angapo Russia, ndipo palinso mwayi wogula mfundo ya Osago.
Mu Epulol wa 2020, The "The" The "The" The "The" The "The Infortive Inforner" mu Serber Bizinesi ya Sberbank Intaneti idabwezeretsedwanso ndi ntchito yatsopano, yomwe idaphatikizidwa ndi msika. Pulatifomu idapangidwa kuti ifufuze makampani oyang'anira kapena ogulitsa ndalama mukamafunsira ndalama. Ndi icho, ndizotheka kuyika ndalama kuntchito zolipirira nyumba, tsatirani magawo a gawo lake ndikutumiza zikalata zonse zofunika kupeza ngongole.
Zakukulu, zina zambiri za digito, zomwe zimaperekedwa pamsika, zimangoyitanidwa kokha ndi ogulitsa: Banki yonse yodziwika bwino .una, Sravni.ru, mawindo ambiri. Choyamba, amasiyanitsidwa ndi kusowa kwa mapiko apulatifomu, amakhaladi malingaliro omwe amapezeka pamsika, popanda ntchito zina. M'malo mwake, awa ndi zidonthozi zazikulu ndi ndalama zotsatsira zotsatsira zazikulu, zimango.
Ndi chakumadzulo?Chifukwa chake panali ukadaulo womwe unayamba ku West, ndipo, monga zimachitikira nthawi zambiri, zomwe zimachitika kwambiri ku Western Western pang'onopang'ono, koma dziwani za zinthu zawo zomveka ku Russia. Koma zindikirani: Western Finich amasiyana kwathunthu. Mapulankhani ambiri opatsira digito pa nyanja, ku Europe ndi mayiko aku Asia amagwiritsa ntchito njira ya P2P yobwereketsa (per-peer). Kubwereketsa P2p ndichitsanzo cholumikizirana pomwe wogulitsa akhoza kupereka ngongole kwa munthu wina wachinsinsi kapena bizinesi yanu kudzera pa intaneti yapadera (P2P Pulatform). Ntchito yotereyi ndi kampani yantchito yokhazikika yomwe imakhazikitsa malamulo a masewerawa kwa ogwiritsa ntchito ndipo amawathandiza kudziwana.
Mwa zochitika za kumadzulo, ntchito zingapo zitha kudziwidwa. Mwachitsanzo, lolmond (USA) ndi wotsatsa, omwe ophunzira ndi ophunzira omwe ophunzira aposachedwa a mabungwe apamwamba ophunzitsira angaphunzitse. Ntchitoyi idakhazikitsidwa mu Novembala 2012, ndipo kwa zaka za zaka 8 ndikuthandizidwa kale ngongole zomwe zatulutsidwa kale $ 2.5 biliyoni zoposa 100 ophunzira. Kapenanso, mwachitsanzo, polojekiti ya Upstat ndi Phwando la P2P lokonzekera pa P2P, komwe mungapeze ngongole ya chilichonse: Kuphunzira ku bizinesi. Makasitomala amalandila ngongole pamayendedwe atatu osavuta: Kulembetsa - kusankha kwa nthawi yayitali - kukhazikitsa dongosolo lolipira. Dziko loyambirira la P2P loyambirira - Zopa (United Kingdom), lomwe mbiri yake yayamba chiyambi chake mu 2004. Dzinalo la kampani limakanthidwa ngati "chone cha Pangano" - Zone Pangano Lotheka. Tsopano nsanja ili ndi obwereketsa oposa 45,000 ndi obwereketsa 71,000, zomwe zikutanthauza kuti zikukula ngakhale zaka zambiri zantchito. Kenako, polojekitiyi Lendinvent (United Kingdom) ndi p2p yobwereketsa mu malo ogulitsa nyumba. Pa tsamba lalikulu la tsamba lomwe mungasankhe kuti mukufuna kukhala ndani: wobwereketsa kapena wogulitsa. Chiyambireni mu 2008, kampaniyo idapereka ngongole zoposa £ Biliyoni ($ 1.9 biliyoni) zogulira, kumanga kapena kukonza malo ogulitsa. Kuphatikiza apo, ndi chuma cha akuluakulu a oyambitsa ndi antchito a kampani. August 10, 2017 Lendinvest adayikidwa bwino zotengera ku London Stock Stock. Smava (Germany) ndi wotsatsa waku Germany poyerekeza ngongole zawo. Bamu yake ili ndi ngongole kuchokera ku mabanki osiyanasiyana, malingaliro awo ndi ngongole zawo zobwereketsa. Smava adzasankha ngongole zabwino kwambiri ndipo ndi okhawo omwe kasitomala angabweze. Kukulitsa kusankha kolondola kwa ngongole, kuwonetsa: Cholinga cha ngongole, ndalama zobwereketsa zimachokera ku € 1 mpaka € 120,000, nthawi ya ngongole. Jimbox (China) ndi wotchuka wachuma wa China, imodzi mwa makampani oyamba omwe akugwira ntchito ndi mabanki aku China ndipo ali ndi ziphaso za pa intaneti. Kuyambiranso ndi membala wa pa intaneti ya National pa intaneti ya China ndi Beijing P2P. Gawo lalikulu la ntchitoyi ndikuti limakula kwambiri pazomwe zimapangitsa kukhala ogulitsa komanso omwe akufuna kukhala. Jimubox amathandizira kupanga gawo la "gawo labwino" la ogulitsa aliyense, kuphunzira zofuna zake komanso chiopsezo. Komanso pano mutha kutenga ngongole yamunthu kapena bizinesi.
Ubwino wa Otsatsa NdalamaUbwino woyamba komanso wodziwikiratu kwambiri ndi mwayi wa ogula kuti apeze zofunikira pazenera lazachuma. Mwachitsanzo, ngati mukufuna kupanga ngongole kapena kirediti kadi, kasitomala amalemba fomu pamalo awiri, akuwonetsa kuzindikiritsa, amalandila chigamulo cha banki pa intaneti ndipo chikupeza malonda. Ngati m'modzi mwa mabanki pachifukwa zina amatumiza kukana, sizitanthauza kuti ena angakane ena. Ubwino wosasinthika wa kukhazikitsa ukadaulo ndi kuthekera kofananitsa malingaliro a wopikisana nawo ndikusankha chinthu chomwe chimakwaniritsa zofunikira za ogula.
Ndizofunikira kudziwa kuti, mwachilengedwe zimatanthawuza mpikisano pakati pa opereka chithandizo pakati pa opereka chithandizo, monga momwe zinthu zopikisana zimakhalira: Ozon, Yandex.Mark. Ndondomeko zamitengo ndi zomwe makampani amapikisano zimatseguka, zomwe zimapangitsa kuti zitheke kudziwa chifukwa chake malonda sakugulitsidwa, ngakhale atakhala ndi katundu yemweyo. Zotsatira zake, mpikisano ukukula - ndipo, koposa zonse, malonda amathandizira kukonza makasitomala. Kupitilira apo, ukadaulo umalola othandizira kuti athetse mavuto ambiri, monga momwe zinthu zilili. Pali vuto la "mile yomaliza" ndi kulumikizana ndi kasitomala pamagawo omaliza a mitengo yamitengo. Makampani ambiri ndi makampani a inshuwaransi satha kugwiritsa ntchito zinthu zawo m'magawo ena chifukwa chosakhala ndi zoletsa zomwe zimagulitsidwa, ngakhale kuti palimodzi pa 10% pachaka " ku Moscow ndi mu USSURISYSS. Palibe kusiyana kwenikweni, chifukwa chake, kuyembekezera zochitika, otsatsa ndalama adzakula ndi kufananizidwa ndi chakudya. Ndipo zikukula bwanji, tikudziwa bwino: Aliexpress adagwira dziko lonse lapansi, Ozon apezeka bwino pa ipo, Yandex.Koni amasangalala kwambiri ku Russia. Mwa njira, mkangano wina wofunika kwambiri womwe umalankhula mokomera ukadaulo ndikuti, malinga ndi lamulo lomweli, lomwe lidatchulidwa kale kuti ndalama zachuma zomwe zalembedwera ndalama - wolembetsa wa Zochita Zachuma (Cop. RFT). Mfundo yofunikayo ili motere: mukamagula kasitomala wa makasitomala / Utumiki wazovala bwino amatumizidwa ku Central Bank, motero kuvomerezeka ndi kuvomerezeka kwa zomwe zimachitika; Mwanjira ina, zimatsimikiziridwa kuti zomwe zimachitikazi zidachitika molingana ndi malamulowo, poganizira zofuna za ogula, zomwe zimakonda kusokoneza chiyero ndi kutseguka kwa msika wonse.
MapetoMutha kutsutsana pamutu wa kukula kwaukadaulo, kubweretsa zitsanzo, koma, ndikofunikira kumvetsetsa izi: Msika - mtundu wamphamvu kwambiri wamalonda ku Russia, umatseguka mwayi watsopano wabizinesi. Mpaka pano, ogula ambiri amakhala okonzeka kugwiritsa ntchito ntchito zama digito, gulani katundu ndi ntchito pa intaneti. Maukadaulo aukadaulo mosasinthasintha ku zinthu zatsopano ndi ntchito, moyo wa nzika ndi machitidwe a makasitomala. Ngati ogulitsa poyamba adathandiza wogulitsa ndi wogula kuti apeze wina ndi mnzake, ndi nthawi ya malowa, vekitala yakukula idasinthidwa ndikuyamba kupereka ntchito zina zofunika pamoyo. Malonda adasanduka ntchito yozungulira, kulola kuti isathetse mavuto ena ogulitsa, komanso kutsegula mwayi watsopano wamabizinesi, othandizira pazachuma ndi ntchito, zomwe zimawonekera bwino nthawi yonse yotseka.
Malinga ndi gulu lowunikira, Conguacris yakhala yothandizira 55% ya otsatsa ndikutsegulanso mwayi wowonjezerapo, koma zomwe zikuyembekezeka zomwe zikuyenda bwino Mulingo wakale munthawi yochepa atachotsa chotchinga, chifukwa ali m'magulu olonjeza. Zonse, 78% ya makampani onse akuyembekezera "kuphatikiza / zonenepa" zolonjeza zam'tsogolo.
Zikuyembekezeredwa kuti pa banneng, 2021 idzakhala yovuta kwambiri ndi yomwe yapita kale. Izi zimalumikiza osati ndi zochitika za epeideogical, komanso ndikutsika pachiwopsezo, chomwe chasinthanso mbiri yakale. Izi zikutanthauza kuti mabanki adzakhala ofunikira kuti awonjezere malonda awo, motero, ntchito za mabanki pakukula kwa maziko a kasitomala zimangokulira. Koma si mabanki onse omwe angakwanitse kuchita izi, chifukwa pali osewera ambiri pamsika wogulitsa, ndipo, zoona, mphamvu zawo zimangokulira.
Chifukwa chake, ndizotheka kuzindikira zomwe akufuna kuti azigulitsa mabizinesi ang'onoang'ono ndi apakatikati, nthawi yomweyo amawathandiza kuthana ndi mavuto osiyanasiyana, kuphatikizapo omwe amaphatikizidwa ndi makatani omwe ali ndi makasitomala mbali zonse zopanga malonda ndi zovuta zogawa. Mosakaikira, kuphatikiza kwa "Markech" ukadaulo nthawi yayitali, koma monga akunena kuti, "Vuto ndi mwayi wa mwayi"; Ali kale, molimba mtima titha kunena kuti, ngakhale paliponse monga kukhazikika kwachuma komanso kusakhazikika kwachuma, tidzakhala tikuwona kukula kwa msika wonse ndi ma projekiti a Fintech. Kutuluka kwa nyumba yogwira ntchito yamalamulo a chitsimikiziro ichi.
Russia ili panjira ya kukula kwa mafakitale mwakupikisana ndi mpikisano wathanzi, kukonza zinthu zachuma ndi ogula, kukonza zachuma kwazinthu zopangidwa ndi ngongole, zomwe zimayambitsa chitukuko cha chuma cha dziko lonse.
Ndikofunika kuchita chidwi ndi zochitika za ku Russia "za chitukuko cha mankhwala otsatsa ndalama kuchokera ku bank ya chapakati kuchokera ku Central Federation of the Russian Federation. Ndikufuna ndikhulupirire kuti kutenga nawo gawo la boma lidzathandizira kupezeka kwa ndalama zothandizira anthu, mosasamala kanthu za kupezeka kwa malowa chifukwa cha chithandizo cha ukadaulo chochepa kwambiri ndi mabanki apakatikati ndi makampani a inshuwaransi pamlingo wachigawo.