Uyu munsi, imiterere yuwikorera wenyine ntabwo ari inzitizi yo kwandikisha inguzanyo yinguzanyo. Kubijyanye nuburyo bwo kubona inguzanyo yabantu binjiza yigenga, twaganiriye numuyobozi wa Banki ya Absout muri Yekaterinburg Svetlana Kovalevoy.
- Ni kangahe ijanisha rya porogaramu zinguzanyo ziva mubyikorera wenyine?
- Mu mezi abiri ya mbere ya 2021, umugabane wibisabwa byinguzanyo muri banki yikorera ku giti cye mukarere ka Sverdlovsk kangana na 2%. Birashobora kuba inshuro 1.5-2, ariko akenshi kwikorera wenyine ntabwo uzi ko bashobora no gukora inguzanyo yimiturire nka IP cyangwa abaturage bakora kumushahara.
Kugeza mu ntangiriro za 20 Gashyantare1, abantu bagera ku 51 biha ku giti cye biyandikishije mu karere ka Sverdlovsk. Ugereranije, ubwiyongere bwabantu bagera kuri 4 buri kwezi. Kubwibyo, amahirwe yinguzanyo kuri iki cyiciro cyabanyagihugu izakura.
Turahanura ko mu mpera za 2021, umugabane wa rection ku nguzanyo mu kwihangira imirimo birashobora gukura kugeza kuri 4-5% byose.
- Niyingamubiri zikunze gutwarwa nabahawe inguzanyo kwihangira imirimo?
- Ukurikije ibyo twabonye, akenshi bikorera wenyine, ushaka gutegura inguzanyo, bishora mumodoka cyangwa umugenzi), gutangaza no gusana no gusana, kwakira amafaranga nk'abatoza ba fitness . Icyamamare kandi cyo gukodesha amazu numwanya wo mu biro kugirango ukodesha, ubucuruzi mubicuruzwa byibicuruzwa.
- Kuki amabanki atapfukamye gutanga inguzanyo kubaturage bikorera ku gitimpa?
- Muri rusange, amabanki adashaka gukorana nawikorera wenyine. Impamvu nyamukuru ni ibintu bigoye hamwe no kwemeza kubyemewe. Mugihe abaturage bakorera kumurimo, bafite amasezerano y'akazi, amafaranga arashobora kwemezwa na 2-NDFL cyangwa muburyo bwa banki. Umushahara wabo mubisanzwe uhagaze neza. Ariko amafaranga yinjira wenyine ntabwo ari mucyo kandi arashobora guhinduka kuva ukwezi kugeza ukwezi.
Ariko muri Banki Yuzuza, Kwiyandikisha nkuwikorera wenyine ntabwo ari inzitizi kugirango ubone inguzanyo. Turatanga icyiciro cyabanyagihugu zinguzanyo zikoreshwa muri gahunda zisanzwe, hamwe nigiciro gito cya 8.84% kuri buri mwaka. Kwiyandikisha ku "Inguzanyo z'abana" ku gipimo cya 5.49% kuri buri mwaka birashoboka. Amafaranga yambere kubakorera ku giti cye nibura 30% yikiguzi cyamazu.
- Ni izihe nyandiko zigomba gutegurwa no kwihangira imirimo kugirango ugaragaze ko winjiza muri banki?
- Uburyo bwo gutanga ibyifuzo bivuye kumukozi ukodesha no muminyahamwe yikorera wenyine itandukanye natwe gusa ninyandiko yinyandiko. Aho gutanga ibyemezo bijyanye na kopi yibyabaye, bizeza umukoresha, kwihangira imirimo bigomba gutanga inyandiko kumusoro. Iki nikimwe cyo kwandikisha umuntu kugiti cyumusoreshwa (KND 1122035) hamwe nicyemezo cya leta yibarirwa (CBD 1122036).
Ndabona ko ibyifuzo byo kwihangira imirimo bifatwa nka banki ya Absolut kugiti cye, kubwibyo ntarengwa birashobora kuba igihe ntarengwa kuruta igihe gito kitari igice cyisaha, kandi kumunsi. Uburambe ku kazi nk'akazi ubwayo bugomba kuba byibuze amezi 6. Urwego rwinjiza nibihe byurwego rwibikorwa ni ngombwa.
Nibyo, amakuru yinguzanyo afite ibibazo. Dufate ko hari abahawe inguzanyo ebyiri urwego rumwe rwinjiza. Umwe muribo yikorera ku giti cye afite amateka meza y'inguzanyo, undi numukozi wahawe akazi watanze inshuro nyinshi gutinda, amahirwe yo kwemeza inguzanyo mubyambere.
Tanga gusaba inguzanyo. Abikorera ku giti cyabo barashobora kure cyane - kurubuga rwa Banki ya Absolut cyangwa binyuze mubafatanyabikorwa mu banditsi mu banditsi ndetse n'abashinzwe iterambere bahujwe na platifomu yacu ya digitale.