"Zlatobank": arotake. "Zlatobank" kati?

"Zlatobank" arotake ki whakamarumaru pai i te mea inaianei uaua ki te kitea e tika ana ki tona kaihau, ka anga ona hītori roto i 2008. tino ia i roto i te whakarato ratonga pūtea ki takitahi me hinonga ture. I te teitei o tona mahi o pūtahi pūtea ko te mema o te Association o Banks Iukereiniana, mahi rite he mema tonu i-parirau o te pūnaha tere i roto i runga i te rahi o te whakapaipai ture me ngā rawa, he institution no ki te rōpū tuarua o pareparenga.

Kaipupuri me ngā pūrongo whakamutunga

Ko te whai pānga o ngā pūtahi pūtea "Zlatobank", arotake o nei e ki tonu i te riri i roto i te hononga ki te eita o te whakamutunga ki te whakatau ona herenga pūtea e LLC "Avangard-Expo" (97.94%) me te OOO "Agrobudkonsalting" (2.6% tĭtĭ).

mārama whakaatu tohu pūtea mō te hauwhā tuatahi o 2015 e kua te whare pūtea kore raruraru anake ki tere, he reira tino pēkerapu. te pai Net o te pēke mo te whakamutunga wā pūrongo moni -2.484.474 hryvnia. tuhituhi reta Equity institution -1.973.642 uah., I rite ki te 5.877.985 USD te nui o ngā rawa. Here e nehenehe tatou e whakahua i te nui o nama, e ōrite tenei ra 7.851.628 USD.

Ko te amuamu tuatahi

timata nga arotake tuatahi o "Zlatobank" i roto i te ara kino ki te puta ki te waenganui o te ngahuru o 2014. ringihia pehu pūrongo e te pēke takahi ana nga tikanga o kirimana moni tāpui. I te tīmatanga, i reira nga pūrongo o takaroa i roto i te utu me te kore ki te hoki mai putunga tāra.

He wahi iti i muri mai horahia mōhiohio i pūtea e mutu kau ano te pēke tuku tikanga. kihai i taea e te iwi ta'efiemālie 'tango ratou moni, me ngā kaimahi o te pēke, me te āhua e kore i taea e te kōrero e pā ana ki te mea kei te tupu i roto i te whare pūtea. I "Zlatobank" ringihia urupare i kiritaki riri te horonga. korero iwi e pā ana ki te ratonga mutu namanama, te hape i roto i whakawhiti me takaroa roa i roto i te pūtea moni, me penihana.

whakahaere Rangitahi me whakamātau ki te whakatika i te āhuatanga

I muri i te nui nui o te urupare i te taupori ta'efiemālie 'NBU kua 14 February whakarite whakahaere rangitahi. Whakaritea rite matenga o te tohunga ārahi i roto i te whakataunga o te pēke kaihautanga Slavinskiy Valery FGVFL. I mahi te Whakahaere takitaro i roto i te wā i 14 February ki 13 Mei 2015 urutomo.

He whakatau ōkawa e te whare pūtea "Zlatobank", arotake o nei i roto i te ngaro o ngā raruraru tere i te pai anake, he pēkerapu, i tukuna e te NBU № 105 tuhia 13 February. I te wa o te whakataki o te whakahaere wā o ngā rawa o te whare e aifaitohia ki 7.8 piriona hryvnia, i ngā 28 tūranga i roto i pareparenga te whenua o.

Ko te tikanga matua mō te whakataki o te whakahaere wā?

I runga i te whakatūnga o "Zlatobank" urupare i ngā kaimahi me te kiritaki kua tonu kua pai. Ōkawa, ko te take o te whakataki o te whakahaere wā kihai i inoino anake i runga i te wahi o nga kiritaki tinihangatia, engari ano hoki pūtea pupuri ngā mahi meá, i kawea nei i roto i runga i February 12, ahakoa te kanga tino i runga i te wahi o te regulator. Ko te timatanga o nga uauatanga tuatahi me malfunctions i tuhia i roto i te tīmatanga o August. Ahakoa te meka e i taua wa i reira nga amuamu i kiritaki rawa uaua, raruraru ki tere i tangohia kua wahi. arahina tenei ki te whakatau o te NBU August 19 ki te tomo ki roto ki te hanganga pūtea o te kaitiaki Institute.

Ko te āhukahuka o raruraru o te pēke

Ko te mana'o tuatahi e kati "Zlatobank", ka anga ki te puta i roto i te tīmatanga o Hakihea. Ko e tika ana ki te meka e ahakoa te whakataki o te kaitiaki, tonu te āhuatanga pūtea i te whare ki te tupuheke tenei. Hakihea 4, kua riro 2014 institution pūtea te mana e pā ana o te raruraru, a ka i roto i tenei wā ite te whakahaere kiritaki katoa fifi runga ratou.

Kua hoatu e te regulator mua te tono ki ngā kaipupuri hea ki te whakapai ake i te hauora o te rawa, engari kihai i nga mehua tangohia e te whare pūtea ngā mahi e hāngai ana ki te whakapai ake i te āhuatanga. Ano, e kore e ara he mahere e i tukuna ki te whare pūtea mo te whakanohonoho o te muri, a ka kawea i roto i. Ahakoa te āhuatanga o nāianei, te pūtea penihana kua mana kauwhautia o Ukraine i runga i Hānuere 30 e toro te kirimana ki te kamupene pūtea tae noa ki April 1.

Katia tika ki kaihautanga

February 13, 2015 riro he tauākī e pā ana i te tahua moni tāpui whai e katia "Zlatobank". E ai ki te raraunga whakaratohia e te pokapū i te wa o te kati e pā ana ki 115 mano o putunga i puta kua i roto i te whare pūtea, te tapeke rōrahi o e moni ki te 4.2 piriona hryvnia. I raro i pūtāhui ka State e pā ana ki 97,4% o depositors.

I roto i te mata o ngā rangatira o te pēke, ko Elena ko Olga Yakimenko (whaea, me te tamahine). Ētahi puna unofficial hoatu hononga Leonid Yurushev ki te pēke, rite kitea e te mau ohipa i tangohia e wahi i runga i te mahana o te whakatuwheratanga o "Zlatobank". Ahakoa hokona Yurushev pēke "Forum" ki nga Tiamana, i ko mahi Elena Yakimenko i te kaiwhakahaere pou runga. Ka rite ki te hua o te meka e "kore i taea e Zlatobank 'raruraru tere, me te whakatau mehemea mana ka e ia te pēke ono i roto i Ukraine i 2015, i katia hoki kaihautanga.

He aha nganatanga i hanga ki te pupuri i te whare manu?

Fund o putunga whai i te aroaro o Maehe 2 pau te fariiraa i tuhinga i pūtea pea, e taea te whakaū i to ratou tohu. Kei te rapu kaha te pūtea iwi nei i taea e kawe mai i te whare pūtea ki te mākete i roto i tetahi o ara e toru:

• hoko wāhanga oti ranei o rawa i herenga o te pareparenga ki te whare pūtea te fariiraa.
• Te hanganga me te hoko o te pēke rōpū tuatoru i roto i te matatini whakawhiti ki ngā rawa me taunahatanga katoa.
• Integrated Bank mō te hoko.

Nā ki te meka e kore he angitu tae noa ki te 2 Maehe te tukanga, te tikanga i atu ōkawa ki te 13 tau. E ai ki whakatau tata FGVFL, he ōrite ki te 925,47 miriona hryvnia te nui o utu taea mō te mate. I roto i tenei take, te nui o te pūtea i runga i Pepuere 14 i runga i te moni tāpui e kore anake, engari ano hoki i runga i ngā pūkete noa tekau 3,622 piriona hryvnia.

He aha e nga herenga o te pēke rihaina?

Mass whakaoho i roto i kiritaki timata ka uaina i runga i "Zlatobank" urupare i kiritaki mauruuru ore. e kore e hoatu e putunga, e kore e whakahoki te pātai, i roto i te akoranga i muri o te mahi e kore e horo'ai pūkete he mahi - te reira ngā kihai katoa e taea e kitea i roto i te kōrero. Horonga o te riri faataa e te meka e te tuatahi o Hānuere 2015, ara i mua i te rua o mimiti haere te wāriu o te hryvnia, ko rōrahi o putunga rite ki te 3.2 piriona hryvnia. Neke atu i te 81% o te putunga i te wa i tukuna ai i roto i te moni ke. Ka rite ki whakahuatia i runga ake, tae te maha o pūtea 115 mano, engari ka taea e kore katoa e titau ki te utu. Anake 112 mano kiritaki, e kore e te rōrahi o putunga nui 200 mano hryvnia taea e mahara utu.

Ko te hanganga o takoha uncompensated ngā putunga whakarewa pēke, te tapeke o i moni ki 600 miriona hryvnia. E ai ki te NBU take auau utu he kore iti iho i te pā ana ki 591 manokaramu o te whakarewa utu nui. ka mau kautaha fakapa'anga raro 3% te tau putunga whakarewa o 50 karamu, i runga i te ture e kore e ngohengohe ki te pūnaha inihua kāwanatanga e,. Ki te whakapono koe e korero e pā ana ki te whakatūnga o arotake "Zlatobank", putunga o tenei ko te ātaahua tino i roto i te mākete Ukrainian pūtea kāwai.

Whakakorenga o te raihana pēke me te toremi

Ko te tino nui MoE "Zlatobank" raruraru pūtea. Ka taea te whakawakia tenei rite ki te whakatau NBU i raro i te maha 310 o Mei 12, ki te whakakore i te raihana o te whare pūtea. I tua atu, ka tangohia te reira i te whakatau i runga i te timatanga o te tukanga toremi.

Ko te kaituhi o te taumira ko te pūtea whakahaere o putunga whai, ka kua te tūranga o te liquidator kua tukua Valery Slavinskogo nei e mau i te pou mo te tau kotahi, i runga i Mei 1, 2016, urutomo. Kei te nona tonu mana takawaenga o te whare pūtea e Elena Yakimenko.

Tīmata o te utu o te utu ki pūtea pāngia

I muri i te maha nui o tono ko e pā ana ki e kore e "Zlatobank" hoatu i roto i putunga, taea ona pūtea te mutunga akaanga. I te Mei 20, 2015 ka anga te aufauraa i kiritaki i roto i te tari o "Oschadbank." Ko te paetukutuku e pā ana o te Fund o putunga whai mōhiohio e wātea ana e ka kawea te utu i te aroaro o te 1 Hōngongoi 2015. Ki te nga depositors o te pēke, mo mea katoa take, e kore e tahuri ki tetahi o nga tahatika kaihoko Fund mo te wā i mua ki te 1 Hōngongoi, te utu ka kawea e ratou ki waho i runga i te pūtake o te whakamātautau o takitahi tono i tuhituhia i roto i te wāhitau FGVFL tae noa taua wa rite te lekooti o te toremi o te whare pūtea kore e tomo mana i roto i te Rēhita āhua Unified o hinonga taumata ture.

Tīmata i runga i 20 Mei, puritia utu utu ki depositors puta noa te hinonga pūtea "Paerewa", engari anake i raro i nga kirimana, te mana o i mutu i mua 29 Paenga 2015. Tonu utu ki te feia tei mau o kāri kirihou me kau ma'u pūkete i roto i te pēke. Ka taea te whiwhi moni i roto i te tari o "Ukreximbank". kia whai i te uruwhenua, me te tuhinga whakamatautau te ohipa o te tau rēhita o te kāri rēhita o te aufau o takoha tahuri ki tetahi o nga manga o nga hoa Fund ki a ratou. kei te pai te kawea Utu ki waho, tango ki pūkete moni ki runga katoa ki te rā o te whakatamarikitanga o te whakatau NBU i te āhukahuka o te whare pūtea pēkerapu. e kore te mea e wātea ana anake ki te hunga depositors (e pā ana ki 3 miriona kiritaki) Compensation, nui te nui tāpui 200 mano hryvnia.