"Zlatobank": reviews. "Zlatobank" rufe?

"Zlatobank" reviews da kyau inuwa wanda yake yanzu da wuya a sami saboda da fatarar, ya fara ta tarihi a 2008. Ya qware a samar da kudi ayyuka ga mutane da kuma shari'a abokai. A tsawo na ya aiki na kudi cibiyoyin kasance memba na Ƙungiyar na Ukrainian Banks, amsa a matsayin mai cikakken fledged memba na SWIFT tsarin daidai da size da kullum babban birnin kasar da kuma dukiya, wani ma'aikata na zuwa na biyu rukuni na bankuna.

Hannun jeri kuma karshe rahotanni

A hannun jeri na kudi cibiyoyin "Zlatobank", reviews na wanda suna cike da fushin dangane da rashin yiwuwar da karshen saduwa ta kudi wajibai ne LLC "Avangard-nuni" (97.94%), kuma OOO "Agrobudkonsalting" (2.6% gungumen azaba).

Financial Manuniya for farko kwata na 2015 a fili ya nuna cewa kudi ma'aikata yana da ba kawai da matsaloli tare da liquidity, shi ne gaba daya wanda arzikinsa ya karye. Net riba na banki ga karshe rahoto lokaci amounted -2.484.474 hryvnia. Ãdalci ma'aikata corresponded -1.973.642 UAH., Yayin da adadin dukiyar da ya daidaita 5.877.985 USD. Ga mu iya ambaci adadin bashin, wanda a yau daidai da 7.851.628 USD.

A farko korafin

A farko reviews na "Zlatobank" a cikin wani mummunan hanya fara bayyana zuwa ga tsakiyar kaka na shekarar 2014. Massively zuba rahotanni cewa banki warware da yanayin ajiya kwangila. Da farko, akwai rahotannin jinkiri a biya da kuma ƙi komawa dollar adibas.

A kadan daga baya yada bayanai daga masu zuba jari cewa banki gaba ɗaya tsaya bayarwa wajen. Disgruntled mutane ba su iya daukar su kudi, da kuma banki ta ma'aikata da kuma kamar ba zai iya magana game da abin da ke faruwa a cikin kudi ma'aikata. A "Zlatobank" feedback daga abokan ciniki haushinka zuba wani ambaliyar ruwa. Mutane yi magana game da tasha da lissafin kuɗi da sabis, laifi a canja wurin da dogon jinkiri a cikin albashi, kuma pensions.

Wucin gadi gwamnati da kuma yunkurin gyara halin da ake ciki

Bayan wata babbar adadin feedback daga disgruntled yawan NBU riga 14 Fabrairu sanya wucin gadi gwamnati. Nada a matsayin shugaban wani abu gwani a cikin shiri na banki insolvency Slavinskiy Valery FGVFL. A wucin gadi Administration aka aiki a lokacin daga 14 Fabrairu zuwa 13 May 2015 m.

A m yanke shawara cewa kudi ma'aikata "Zlatobank", reviews na wanda in babu liquidity matsaloli sun kawai kyau, shi ne wanda arzikinsa ya karye, aka bayar da NBU № 105 a ranar 13 Fabrairu. A lokacin gabatarwar da rikon gwamnati na ma'aikata ta dukiya daidaita zuwa 7.8 biliyan hryvnia, wanda bayar 28 matsayinsa a tsakanin kasar bankuna.

Waccan, wata bukata kafun ga gabatarwar wucin gadi gwamnati?

A kan kafa "Zlatobank" feedback daga ma'aikatan da kuma abokan ciniki ko da yaushe ya kasance tabbatacce. Bisa ga ƙa'ida, a cikin hanyar gabatarwar da rikon gwamnati ba kawai fushi a kan wani ɓangare na yaudare abokan ciniki, amma kuma ga masu zuba jari rike da m ayyukan, wanda aka za'ayi a kan Fabrairu 12, duk da tsananin ban a kan wani ɓangare na kayyadewa. A farkon farko matsaloli da malfunctions aka rubuta a farkon watan Agusta. Duk da cewa a wancan lokaci akwai koke daga abokan ciniki sosai da wuya, matsaloli da liquidity riga sun faru. Wannan ya kai ga shawarar da National Bank of Ukraine a kan Agusta 19 da su shiga cikin kudi tsarin da Cibiyar curator.

The fitarwa na banki ta matsala

A farko ba da shawara cewa "Zlatobank" rufe, ya fara bayyana a farkon watan Disamba. Wannan shi ne saboda gaskiyar cewa duk da gabatarwar da curator, da kudi halin da ake ciki a ma'aikata ci gaba da deteriorate. Disamba 4, 2014 kudi ma'aikata ya karbi aikin hukuma matsayi na matsalar, kuma a lokacin wannan lokaci duk abokan ciniki kungiyar dandana matsaloli a kan kansu.

A kayyadewa ya sa a gaba da bukatar zuwa hannun jeri don inganta kiwon lafiya na kadara, amma matakan dauka da kudi ma'aikata ba sun hada da ayyuka da nufin kyautata halin da ake ciki. Bugu da ƙari, ko da wani shiri da cewa da aka sallama a cikin kudi ma'aikata domin fi na karshen, kuma aka ba da za'ayi. Duk da halin da ake ciki yanzu, da fanshon na Ukraine ya sanar Janairu 30 cewa kara da kwangila tare da kudi kamfanin har Afrilu 1.

Rufe saboda insolvency

Fabrairu 13, 2015 samu wani jami'in bayani daga tabbas ajiya asusun cewa "Zlatobank" rufe. Bisa ga bayanin da aka bayar ta hanyar hukumar a lokacin rufe game da 115 dubu na adibas da aka bayar a cikin kudi ma'aikata, jimlar girma na wanda amounted zuwa 4.2 biliyan hryvnia. Karkashin garanti Jihar samu game da 97,4% na ajiyar.

A fuskar banki ta masu sun Elena da Olga Yakimenko (uwa da 'yar). Wasu unofficial kafofin shirki Leonid Yurushev dangantaka da banki, kamar yadda evidenced da abubuwan da suka faru a kan Hauwa'u na bude na "Zlatobank". Duk da yake Yurushev sayar banki "Forum" a Jamus, wanda ya Elena Yakimenko yi aiki a post saman sarrafa. A sakamakon cewa "Zlatobank 'liquidity matsaloli kuma ba zai iya yanke shawarar ko ya hukumance ya zama na shida banki a Ukraine a 2015, wadda aka rufe for insolvency.

Abin da aka yi ta kokari ci gaba da ma'aikata da ninkaya?

Asusun na tabbatar adibas kafin Maris 2 ciyar samun takardun daga m masu zuba jari, wanda zai iya tabbatar da su, cancantar. The asusun da aka rayayye neman mutanen da suka iya kawo wani kudi ma'aikata tare da wata kasuwa a daya daga hanyoyi uku:

• M ko cikakken rarrabuwa da kadarori daga bankin wajibai zuwa ga samun kudi ma'aikata.
• A samuwar da kuma sayar da ɓangare na uku banki a mika mulki hadaddun da dukkan dukiya da wajibobi.
• Hadakar Bank for sale.

Saboda gaskiya cewa tsari ne ba nasara har 2 Maris, da hanya da aka ƙa'ida mika wa 13 lambobi. Kamar yadda aka kiyasta FGVFL, da adadin yiwu diyya ga asarar yake daidai 925,47 miliyan hryvnia. A wannan yanayin, da adadin kudi a kan Fabrairu 14 ba kawai a kan ajiya, amma kuma a kan talakawa asusun totaled 3,622 biliyan hryvnia.

Abin da ake cikin wajibai na banki murabus?

Mass tsoro tsakanin abokan ciniki lokacin da ya fara yi ruwan sama a "Zlatobank" feedback daga m abokan ciniki. Adibas ba ba, ba amsa tambayoyin, a cikin gaba hanya na aiki ba duƙufa lissafi ne da sabis - shi ke ba duk da cewa za a iya samu a cikin comments. Ambaliyar ruwa da haushinka bayyana ta da cewa da farko na Janairu 2015, kafin ma na biyu ragewar darajar kuɗi na hryvnia, juz'i na adibas ya daidaita 3.2 biliyan hryvnia. Fiye da 81% na kudaden da a lokacin da shi da aka bayar a cikin kudin kasashen waje. Kamar yadda aka ambata a sama, da yawan zuba jari kai 115 dubu, amma ba kowa da kowa zai iya sa ran biya. Kawai 112 dubu abokan ciniki, da girma na adibas ba ya wuce 200 dubu hryvnia iya sa ran diyya.

A tsarin da uncompensated gudunmawar hada banki karfe adibas, jimlar na wanda amounted zuwa miliyan 600 hryvnia. Bisa ga NBU musayar kudi batun ba kasa da game da 591 kilogram na daraja karfe. Financial ma'aikata dauki karkashin 3% annum karfe adibas na 50 grams, wanda, a bisa ga dokar da ba batun jihar inshora tsarin. Idan ka yi imani da cewa magana game da kafa "Zlatobank" reviews, adibas na wannan category su ne mafi kyau a cikin kudi Ukrainian kasuwar.

Soke dokar da banki lasisi da tsiyacewa

Institution "Zlatobank" kudi matsala ne ƙwarai da gaske. Wannan za a iya hukunta bisa ga NBU yanke shawara a karkashin lamba 310 na May 12, ya soke lasisin na kudi ma'aikata. Bugu da ƙari kuma, shi soma a yanke shawara a kan farkon tsiyacewa hanya.

Marubucin na da ƙudurin da aka gudanar asusu na tabbatar adibas, da kuma matsayin wani liquidator an danƙa Valery Slavinskogo wanda zai rike mukamin ga shekara guda, a kan May 1, 2016, har zuwa. Sulhu tsakani iko da wani kudi ma'aikata ne har yanzu mallakar Elena Yakimenko.

Fara na biyan diyya ga shafa masu zuba jari

Bayan da babbar dama na aikace-aikace ne game da cewa "Zlatobank" ba ya ba fita adibas, ta zuba jari za su iya karshe shakata. A May 20, 2015 ya fara biyan abokan ciniki ta hanyar da ofisoshin "Oschadbank." The official website na Asusun na tabbatar adibas samuwa bayanai da cewa biyan bashin za a iya za'ayi kafin 1 Yuli 2015. Idan ajiyar na banki, ga abin da dalilai, kada ku jũya a cikin daya daga cikin Asusun wakili bankuna na tsawon kafin 1 Yuli, biyan bashin da za su iya za'ayi a kan tushen da jarrabawa na mutum rubuta aikace-aikace a FGVFL adireshin har irin wannan lokaci kamar yadda rikodi na tsiyacewa na wani kudi ma'aikata ba zai hukumance shiga a cikin kenan jihar Register na doka abokai matakin.

An fara a ranar 20 ga watan Mayu, aka gudanar diyya biya zuwa ajiyar fadin kudi sha'anin "Standard", amma kawai a karkashin kwangila, da inganci na wanda ya ƙare kafin 29 Afrilu 2015. Ci gaba da biyan zuwa da kambun da roba cards da kuma asusun da kambun a cikin banki. Cash za a iya samu ta hanyar da ofisoshin "Ukreximbank". Kunna to daya daga cikin rassan da Asusun abokan tare da su ya kamata a yi fasfo da kuma wani daftarin aiki da tabbatar da aiki da rajista yawan da rajista katin na payer na haraji. Biya ana nasarar da za'ayi, shan la'akari duk sha'awa har zuwa ranar da tallafi na NBU yanke shawara a kan amincewa da kudi ma'aikata wanda arzikinsa ya karye. Diyya ne ba samuwa ne kawai ga waɗanda ajiyar (game da miliyan 3 abokan ciniki), da ajiya adadin ya wuce 200 dubu hryvnia.