Nubwo ari ikibazo, kwinjiza abaturage no kuzigama ku isoko ry'imigabane, abaturage bitwaje amafaranga muri Sberbank: mu mwaka ushize, amafaranga yabo yazamutseho 11.6% atitaye ku ivugurura ry'ifaranga kandi bagera kuri miriyoni 15,7, Bivugwa mu gutanga raporo kuri Ras.. Birarenze ibyo muri 2019, iyo amafaranga yabaturage muri Banki ya Leta atazirikana ivugurura ryifaranga ryongeyeho 4.7%.
Umugabane wa Sberbank muburyo bwabantu barenga 40%, kandi ibibera biriko byerekana neza uko ibintu bimeze muri sisitemu ya banki. Banki Nkuru ntabwo yatangashidiza imibare umwaka, ariko ku ya 1 Ukuboza, amafaranga y'abaturage (kubitsa hamwe na konti muri konti) ntabwo ari amafaranga 6,2. Ibisubizo birimo nomits yiyongereyeho kubitsa amafaranga kubera kugwa k'amafaranga, nta ivugurura ry'ifaranga, gukura ni bike. Icyakora, mu Kuboza, amafaranga y'abaturage mu mabanki asanzwe akura: Mbere yuko iminsi mikuru y'umwaka mushya, imishahara na pansiyo bishyurwa hakiri kare.
Inguzanyo, Guhana, GuhanaUmusanzu ukomeye wo kwiyongera mu mafaranga y'abaturage muri banki harimo konti za ESCROW: kuva muri miliyari 137 mu ntangiriro z'umwaka bahagurukiye kuri miriyoni 1. Ku ya 1 Ukuboza. Ibisigazwa byiyongera kuri konti ya Eskrow byatanzwe 2/3 bikura bikabije byamabanki mumabanki, abasesengura ryigihugu cyigihugu (NRA) bakurikije Banki Nkuru muri Mutarama - Ukwakira. Akenshi, abakiriya bimurirwa kuri konti ya ESCROY gusa uhereye kubitsa gusa, bavuganye neza fitch anton lopatin: bihinduka kugabanuka mu gishushanyo kimwe, nubwo amafaranga aguma muri sisitemu ya banki.
Ariko kubitsa byagabanutse hamwe nibiciro: ukurikije banki nkuru, kugeza kuri tiriyari 1.7. Mu gihe cy'amezi 11 - kuva kuri miriyoni 22.9 kugeza kuri 21.2 Raillion. Igihe kirangiye, cyane cyane ifaranga, abantu ntibakunze gufungura ibishya. Ariko byiyongereye cyane ibisigisigi kuri konti zigezweho - kuva tiriyari 7.5 kugeza kuri miriyoni 10.3. Umuyobozi w'ikigo cya NKR Conclovi, kandi niba icya mbere aricyo gice gikenewe cyo gutera inkunga kugura amazu, harimo amafaranga yinguzanyo, noneho iya kabiri ni inyungu. Duhereye kubitekerezo, birahinduka cyane kugirango ugenzure uburyo bushingiye ku gitsina muburyo buke bwo kubitsa.
Sberbank yerekanye ubwiyongere bukomeye mu zindi mabanki kandi, uzirikana uko ubukungu bwiyongera, yemera Umuyobozi ushinzwe kugenzura kwemeza umuhanga Raire Raint Raint Raint Raigeli. Ariko birakenewe gusenya ibyo itanga, hamwe namagambo yumvikana ku ya 1 Mutarama, SBERBANK. Mu gice cya kabiri cy'umwaka wa 2020, mu nkuru zo kubitsa abantu bo muri Sberbank hari umuvugizi wa benshi, habaye umuvugizi w'impuguke: Kwiyongera buri kwezi kwarinze kuvugwa. Imbaraga nziza zo gucuruza zashyizwehozwa no kwiyongera kw'amafaranga kuri konti iriho: Abantu ntibihutiye kongera gutanga umusanzu urangira uzirikana kugaruka kwaguye.
Muri Sberbank mu Kuboza, nakoze (kandi kugeza ubu) promovklad kubakiriya bashya n'abadakuye amafaranga kubitsa mumezi 4 yashize - hamwe nibiciro bigera kuri 4.5% kuri buri mwaka. Byongeye kandi, kugeza ku ya 15 Ukuboza, banki yakoze umusanzu w'igihe cyo kugurisha hafite igipimo cya 3.6-4% kuri buri mwaka (usibye amashami).
Mu gihembwe cya gatatu, amafaranga yinjiye mu Burusiya yakomeje kugwa - kuri 4.8% mu majambo ngarukamwaka, yatangaje ko Rosstat. Imibare yinjiza n'amafaranga y'Uburusiya igorekwa mu kuzirikana konti z'amasos hamwe n'ishoramari ryinshi ry'Abarusiya mu mpapuro, zanditse isesengura rya Banki Nkuru (igitekerezo cyabo ntizishobora guhura n'umwanya wa Banki Nkuru). Ku isoko ryimigabane, abarusiya bafite amafaranga nka miriyoni 7, cyangwa hafi 20% byamafaranga mumabanki.
Ariko guhitamo ibikoresho by'ishoramari kubashoramari badafite akamaro ntabwo ari ubugari cyane (ndetse cyane bamenyesheje ibibujijwe muri Banki Nkuru), Belikov. Kubwibyo, niyo dufunga kubitsa, amafaranga ntabwo ava muri banki ako kanya. Ariko, muri 2021, icyerekezo gifite amahirwe menshi kizakomeza, Inyandiko zimpuguke: Tuzabona intangiriro yukuri yamafaranga mugihe abaturage ariho gushora imari, nkisoko ryimigabane. Inzira izaramburwa mugihe, ntidutegereje guhangayikishwa nigihe kimwe cyumwanda, cyane ko Umurenge ushyigikira ububiko butandukanye. Mu mwaka utaha - kimwe nigice cyabitswe muri banki ku isoko ryimigabane, amafaranga miriyari ya tiriyari yayoboye, Umuyobozi mukuru wa Accra Mikhail Sukhov. Ikigo cy'igihugu gitaweho cyahanuye imigenzo miriyoni 3.4, ariko kuri horizon imyaka itanu.
Ikibazo - Igihe cyo kuzigamaKuki kugabanuka muri bets kubitsa, gutembera byamafaranga murwego rwimigabane hamwe nikibazo cyagabanije amafaranga yabaturage, gusa byihutishije ubwiyongere bwo kuzigama muri banki?
Ubwiyongere bw'Izigamiro muri 2020 - Ibintu byisi yose, byerekana umurwa mukuru w'ubukungu "VTB" kuri CIS n'Uburusiya Alexander Isakov. Rero, muri Amerika, amezi abiri nyuma yo gutangira icyorezo, kubitsa byazamutse kumadorari 1.8 (amakuru yumubare wubwishingizi bwa rederasiyo). Gukura kw'ibicuruzwa biranga ibihe by'ihungabana - abantu ntibizeye cyane mu nyungu zabo, gerageza gukoresha bike kandi bakusanya isoko, basobanura ko ritangwa, basobanura gutanga, bisobanura ko Isakov. Mu makuba, igipimo cyo kuzigama gihora gikura, umusesenguzi mukuru wa Alfa-Bank Orlova Orlova yemeye. Kurugero, muri 2015, abaturage bohereje inyandiko 14.1% byinjiza mu kuzigama.
Kuzigama byakuze mubo ikibazo kitabaga: amafaranga yinjiza muri 2020 ntabwo yagize ingaruka cyane, kandi ibiciro byaragabanutse. Rero, kwanga ingendo zabitse abaturage amafaranga ya tiriyari 1.5, basuzumye Banki Nkuru. Kubwibyo, igipimo cyo kuzigama mu gihembwe cya kabiri, iyo akato gakomeye kakozwe, kangana n'inyandiko 18.2%, naho mu cya gatatu cyaguye kugera kuri 2%.
Indi mpamvu ni inkunga ya Leta n'inguzanyo, usuzume abashinzwe ubukungu mukuru ing mu Burusiya na Cis Dmitry Thisse. Nk'uko byatangajwe n'abasesenguzi b'imibereho y'abantu bagoretse ku mibare y'urwego rwabaturage ku mafaranga 290.