Yatove nhasi, misika inova fomu yakakurumbira yekudyidzana nevatengi mumusika wezvinhu uye masevhisi. Iko kune kupinzwa kunoshanda kwehunyanzvi mumatunhu ese ehupenyu, kutanga nehurongwa hwekudya kuimba uye kudana tekisi usati wafamba imbwa nemotokari dzekurenda. MuRussia, dziva rezvakanyanya kudiwa zvidimbu zvemitemo zvinoumbwa zvishoma nezvishoma. Izvozvi zvinosanganisira Aliexpress (China), Amazon (USA), kubva kumachinda epamba kumapendenanoenda kumuchinda anotungamira, Ozon, Ladaa.
Maererano neyekuongorora timu yeiyo Agency Data Njere, ne2024 E-Commerce inotora 19% (7.2 trillion rubles) kubva kune yakazara yekutengesa yekutengesa muRussia. Pakupera kwaMay 2020, iyo chiratidzo chimwe chete yaive padanho re9% (2,5 trillion rubles).
Investment yezvitoro zvikuru uye vatengesi mumakwikwi ekushambadzira kukwezva vatengi vatsva, kuwedzera iyo geography yemwedzi uye kuzvisimbisa kwemamiriro ekunze, kwakasvina kukurumidza kweiyo e-commerce musika . Muhafu yekutanga ye2020, kutengesa kwepamhepo kwezuva nezuva zvinoda zvinhu zvakawedzera kuenzaniswa nenguva yakafanana ye1989 na 4.3 times.
Sekureva kwenyanzvi, iyo "isingashande nguva yekutonga" yakatungamira angangoita mamirioni gumi eRussia mukutengesa online; Hapana mubvunzo kuti ichi chiratidzo chinokura. MuRadigm yekuvandudzwa kwehupfumi hwendicology uye kudyidzana kwenyika dzepasi rose mumatanho ehupenyu hwakasiyana siyana kunogona kuvimba nekukasira kutengesa mapuranga ekutengesa ekutanga ekutanga.
Maindasitiri akati wandei anogona kusiyaniswa, mune iyo tekinoroji yemusika yatowana application yayo. Iri kurenda dzimba, dzimba uye zvivakwa, kufamba, dzimba dzekushandisa, dzimba dzekushandisa, dzimba dzekurenda, dzidzo, dzidzo, hutano, basa nevamwe vazhinji. Iyi ndiyo yekutanga masevhisi, pasina nzanga haigone kuvapo.
Asi zvakafanira kubvunza mubvunzo: Chii chinotevera chikamu chekubatanidzwa?
Imwe yenzvimbo dziri pachena dzekusimudzira kwekutengeserana kwepamhepo zvirokwazvo ndeyekuti chiyero chehunyanzvi hwemari. Watova, iwe unogona kuona kukosha kwekusvitsa tekinoroji uye kugadzira akawanda-brand ecosystems kuitira kuti utengese zvigadzirwa zveBank, CREDIT SEATHCLATH CYCLE, BHUKU RINONYANYA, MABHUKU, MABHUKU Manege ebecrage maakaunti, IIS uye zvakanyanya zvimwe.
Musika - Hupenyu hutsva hwemisika yemariSezvambotaurwa, tiri kuona kuunganidzwa kwepasirese pamusika munzvimbo dzakawanda dzehupenyu hwedu hwezuva nezuva. Nekuda kwekushanda kwakasarudzika kwemisika yemari, tekinoroji muRetail Banking uye Zvigadzirwa Zvemari (zvigadzirwa zvechikwereti, mabhendi emabhendi, zvigadzirwa zvemitemo, zvigadzirwa zvine chekuita nazvo zviri kuwedzera kufarirwa. Iwo "maCarkeples" purojekiti inokurumidza kuuya mupfungwa, iyo yakatangwa nebhangi reRussia muna Zvita 2017. Chinangwa cheiyo purojekiti ndechekugadzira denderedzwa uye yekudzora chimiro chekutengesa kweRetail yenyika yese, kunyangwe kunyoreswa kwenzvimbo yekunyoreswa kwemari mune yakakosha rejista - iyo Recorder yeMari Transction ). Iyo yakakodzera bhiri yakagamuchirwa neHurumende Duma yeRussia Federation muZhizha re2020, kunyatsogadzira base remutemo uye mikana mitsva yekuwedzera kwekutanga pamisika nheyo dzemisika.
Zvakakoshawo kuziva kuti chirongwa chitsva cheMoscow ndeche "finisslags", icho chakazova hyperket yekutanga yemari Kusvika parizvino, chikuva chine masevhisi emadhora kubva kumabhangi eRussia akati wandei, uye kune zvakare mukana wekutenga mutemo waOsago.
Muna Kubvumbi Iyo platform yakagadzirirwa kutsvaga manejimendi makambani kana co-investors kana uchinyorera mari yemari. Nayo, zvinokwanisika kuregedza faira rechikwereti rekushandisa mari yeProjekiti yekugara, tevera matanho endima yayo uye utumire zvinyorwa zvese zvinofanirwa kuwana chikwereti.
NaKukuru, mamwe ese mimwe mitambo yemitambo, inoviridzwa pamusika, ingangodaidzwa kuti vatengesi Chekutanga pane zvese, ivo vanosiyaniswa nekushaikwa kwechimiro chikuva, ivo vanoisa zvirevo zvinowanikwa pamusika, pasina mamwe mabasa. Muchokwadi, aya makuru emafurugeni ane bhajeti dzakakomba dzekusimudzira, mechanics.
Uye chii kumadokero?Saka pakanga paine tekinoroji yakawedzerwa kumadokero, uye, sezvazvinowanzoitika, iyo nzira yakanakisa yekuMadokero zvishoma nezvishoma, asi zvirokwazvo kuwana kuenderera kwavo zvine musoro muRussia zvinhu zveRussia. Asi pakarepo inofanira kucherechedzwa: Western Fintech inoenda zvachose zvakasiyana. Mazhinji madhajisheni emabhata emakungwa pamusoro pegungwa, muEurope uye muAsia nyika inoshanda inoshandisa iyo P2P kukweretesa Model (Peer-kune-peer). P2P kukweretesa muenzaniso wekudyidzana kana mupodzi anogona kupa chikwereti kune mumwe munhu akazvimirira kana bhizinesi rakakosha online (P2P chikuva). Service yakadaro kambani yemurevereri inosimbisa mitemo yemutambo wevashandisi uye inovabatsira kuwana mumwe nemumwe.
Pakati pematare ekumadokero, mapurojekiti akati wandei anogona kusiyaniswa. Semuenzaniso, Cannecbond (USA) muchengeti, uyo vadzidzi vanoverengera uye vachangopfuura vakapedza kudzidza vezvikoro zvepamusoro zvedzidzo vanogona kugadzirisa zvikwereti zvekudzidziswa. Iyo purojekiti yakatangwa munaNovember 2012, uye kune nhoroondo yegore rechisere uye nerubatsiro rwayo kare zvakaburitswa zvikwereti muhuwandu hwemadhora mazana maviri nemashanu kupfuura zviuru zana vanopfuura zviuru zana. Kana, semuenzaniso, iyo yekumusoro-svutugadzike yekukwira chikamu cheP2P chikwereti chekukwereta, kwaunogona kuwana chikwereti chechinhu chero chipi zvacho: kubva pakudzidza kubhizinesi. Vatengi vanogashira chikwereti mumatanho matatu ari nyore: Kunyoresa - sarudzo yenguva yechikwereti - kuisa chirongwa chekubhadhara. Iyo Yenyika Yekutanga P2P mukweretesi - Zipa (United Kingdom), nhoroondo yake inotora kutanga kwayo muna 2004. Iro zita rekambani rakanyoreswa se "zone yechibvumirano chingangoita" - zone yechibvumirano chingwe. Iye zvino chikuva chakawana vanopfuura zviuru makumi matanhatu vanoita depositors uye zviuru makumi manomwe nemaviri vanokwereta, zvinoreva kuti vanoramba vachikura kunyangwe mushure memakore mazhinji ebasa. Tevere, iyo Project Lendinvest (United Kingdom) ndeye p2p inokweretesa ichinyatsoziva muzvivakwa. Pane peji guru resaiti iwe unogona kusarudza iwe waunoda kuve: anokwereta kana mupodzi. Sezvo kutanga muna 2008, kambani yakaburitsa mari inopfuura $ 1.5 ($ 1.9 $ 1.9) zvikwereti zvekutenga, kuvaka kana kugadzirisa zvivakwa. Mukuwedzera, ichiri iyo hupfumi hwemagariro nevashandi vekambani. Nyamavhuvhu 10, 2017 Lendinevest yakabudirira kuisirwa zvitoro zvekutengesa pane london stock Exchange. Smava (Germany) murairidzi weGerman wekufananidza kuenzanisa zvikwereti zvako. Base yayo ine zvikwereti kubva kumabhangi akasiyana, yavo pachavo zvikwereti uye zvikwereti kubva kune vakazvimiririra vakazvarwa. Smava ichasarudza izvo zvakanakisa zvikwereti uye izvo chete izvo mutengi anogona kubhadhara. Kuti uwedzere kusarudzwa kwakakodzera kwechikwereti, ratidza: chinangwa chechikwereti, mari yechikwereti inobva € 1 kusvika € zviuru zana, nguva yekukwereta. Jimbabox (China) ndeyekuzivikanwa kwemari yemari yeChina, imwe yemakambani ekutanga emamendi anoshanda nemabhangi eChinese uye akashanda kune basa online. Kutanga ndeimwe nhengo yeNational Internet Finance Association yeChina uye Beijing P2P Songs. Chinhu chikuru chebasa ndechekuti chakarodzwa kune vagari nevanoda kuve. Jimbabox inobatsira kugadzira "yakanaka" package yemari kune yega yega Investor, kudzidza zvido zvake nengozi. Zvakare pano unogona kutora yako pachako kana bhizinesi chikwereti.
Zvakanakira Vatengesi veMariMhinduro yekutanga uye iri pachena inobatsira mukana wevatengi kuti vatore mari inodiwa yemari yemari muwindo rimwe chete. Semuenzaniso, kana iwe uine chishuwo chekukwereta kana kadhi rechikwereti, mutengi anozadza chikumbiro pane iyo saiti mumakonzo maviri, ari kuita sarudzo yekuzivikanwa, inogamuchira sarudzo yebhangi online uye inowana chigadzirwa. Kana rimwe remabhangi nekuda kwechimwe chikonzero vakatumira kuramba, hazvireve kuti vamwe vanoramba vamwe. Mukana wekusarongeka wekushandiswa kwehunyanzvi hunyanzvi ndiko kugona kuenzanisa mazano evanokwikwidza uye kusarudza chigadzirwa chinonyatsoenderana nezvinodiwa zvemutengi.
Zvakakosha kucherechedza izvozvo, nechisikigo, musika, musika, musika, musika, semamiriro ezvinhu emakwikwi anowanzo kuwanikwa: Pane iyo mienzaniso yemazambiringa, ozon, yandex.market, zvinoonekwa zvakakwana. Mitengo yemitengo uye mamiriro emakambani anokwikwidza anoramba akavhurika, ayo anoita kuti zviitike kuti uwane mhedziso pamusoro pekuti nei chigadzirwa chisiri kutengeswa, kunyangwe icho chine zvimwe zvinhu zvakafanana. Nekuda kweizvozvo, kukwikwidza kuri kukura - uye, zvakanyanya kukosha, zvinotengeserana zvinopihwa zvinovandudzwa kwevatengi. Kupfuurirazve, iyo tekinoroji inobvumira vatengesi kugadzirisa matambudziko akati wandei, senge zvinhu. Pane dambudziko re "yekupedzisira mamaira" uye kutaurirana nemutengi pamatanho ekupedzisira ezvemateni emigodhi. Mabhangi mazhinji uye makambani einishuwarenzi haana kugona kuita zvigadzirwa zvavo mune dzimwe nzvimbo nekuda kwekushaikwa kwemisika, kunyangwe iyo service iri pasi pegumi muzana pagore "rakapihwa zvakafanana zvese muMoscow uye mune mamiriro ezvinhu USSURIYSK. Hapana musinga mutsauko, saka, kutarisira zviitiko, vatengesi vezvemari zvichakura nekufananidza nechikafu. Uye zvinhu zvinokura sei, isu tinoziva chaizvo: Aliexpress yakakwana pasi rese, Ozon yabudirira kuwanikwa paIPo, yandex.market inofarira kufadza kubva kuRussia. Nenzira, imwe nharo inorema inotaura ichitsigira tekinoroji inyaya yekuti, iyo yakambotaurwa kare, mimwe mitero yega yega yakanyoreswa yekutengeserana yakanyorwa kune iyo mari yekutengesa mari - iyo Registrar ye Zvekutengeserana zvemari (Cop. RFT). Chipo chepamberi ndechekutevera: Kana uchitenga mutengi Mune mamwe mazwi, inosimbiswa kuti kutengeserana kwakaitwa maererano nemirairo, kuitisa zvese zvinodiwa nemutengi, izvo zvinoenderana nekuchena uye nekuvhurika kwemusika zvachose.
MhedzisoIwe unogona kuramba uchipokana pamusoro wenyaya yehunyanzvi hwekuvandudza tekinoroji, uyai mienzaniso yehunhu, asi, kutaura chokwadi, musika - iyo yakasimba kukura kutengeserana muRussia, inovhura mikana mitsva yebhizinesi. Kusvika parizvino, vazhinji vatengi vakagadzirira kushingairira kushandisa digital masevhisi, tenga zvinhu uye masevhisi online. Iwo "makaka" tekinoroji inoshanduka inoshandura zvigadzirwa nezvitsva uye masevhisi, mararamiro evagari uye maitiro evatengi. Kana vekutanga vatengesi vakabatsira mutengesi uye mutengi kuti vawane mumwe nemumwe, nenguva yesaiti, iyo vhesi yekusimudzira yakatsemurwa mutengi uye yakatanga kumupa mamwe mabasa anodiwa kweupenyu. Marketlates akashanduka kuita multifunctional yakazara yechiitiko cheCycle, ichibvumira kugadzirisa matambudziko ezvekutengesa chete, asi anogovera mari yemari uye masevhisi, ayo anonyanya kuratidzwa panguva yekuvharwa zvachose.
Maererano nechikwata chekuongorora chemufambi, coronacrisis chave nyore kwematare uye nekukura kwemakambani avo vakasangana nekudonha kwakapinza muzvinhu zvekutevedzana, asi vanotarisirwa kudzoreredzwa Chikamu chakapfuura munguva pfupi yenguva mushure mekubvisa Lockard, sezvo vari muindasiti vanovimbisa. Yese, 78% yemakambani ese akamirira "kuwedzera / minus" kuvimbisa ramangwana.
Zvinotarisirwa kuti kune iyo Banking Sphere, 2021 ichave yakaoma zvakanyanya neiyo yapfuura. Izvi zvakabatana kwete chete nepadenga remamiriro ezvinhu, asi zvakare nedonhedza mumugodhi wemubhadharo, iyo yakagadziridza nyaya yacho. Izvi zvinoreva kuti mabhanga achave akakosha kuwedzera kutengesa zvigadzirwa zvavo, zvichiteerana, chiitiko chemabhangi pakuwedzera kweiyo mutengi chigadziko chinongowedzera chete. Asi hazvisi mabhanga ese achakwanisa kuita izvi, nekuti pane kushorwa kwevatambi vakuru mumusika wekutengesa, uye, chokwadi, kutonga kwavo kunongowedzera.
Nekudaro, zvinokwanisika kucherechedza kudiwa kwemari yemapako emapundu emusika wemapakati uye epakati-yakave kuvabatsira kuti vagadziriswe zviyero zvese, kusanganisira izvo zvinobatana neketani, kutaurirana nevatengi pamatanho ekutengeserana uye matambudziko ekugovera. Pasina mubvunzo, kuunganidzwa kwe "mazamburi" tekinoroji iri pachidanho chekutanga, asi, sezvavanotaura, "dambudziko iri remikana"; Wakatogona, nekuvimba kuti zvinogona kupokana kuti, kunyangwe zvisinei neCoronavirus dengic uye kusagadzikana kwehupfumi, isu tichazotarisa kukura kweshanduko yemusika seyese uye zvakananga fintech zvirongwa. Iko kubuda kweiyo inoshanda yemutemo pasi peiyi kusimbiswa.
Russia iri munzira yekurongeka yeindasitiri nekuwedzera makwikwi emari, kuvandudza tsika dzezvikwereti zvezvikwereti, izvo zvinoenderana nechikamu chakakosha chekuvandudza kwehupfumi hwenyika.
Izvo zvakakodzera kubhadhara zvakanyanya kune "mamiriro eRussia" ekuvandudza vatengesi vezvemari nekuda kwekutsigira kunoshanda kubva kuCentral Bank yeRussia Federation. Ndinoda kutenda kuti kutora chikamu cheHurumende Reglator kuchabatsira kuve nekuwanika kwemari kune zvikamu zvehuwandu, zvisinei nemakwikwi ane hutano mumusika nekuda kwekutsigirwa kwetinoroji uye yepakati-yakakura mabhangi uye makambani einishuwarenzi padanho redunhu.