Bank "Delta Credit": dib u eegista. "Delta Credit" (Bank) laamood, cinwaanada, warcelin macaamiisha

Waxaa ka mid ah madaxda suuqa Ruush ee qeybta of daynta mortgage - bangiga "Delta Credit". Inkastoo ay dhallinyarada qaraabo, machadkan dhaqaale ahaa awoodaan in ay gaaraan guul badan gudbikaraa oo ka mid ah waxqabadka. Sababo la xiriira waxa faa'iidooyinka tartan rasmi ah ee bangiga u samayn? Maxay yihiin qaababka barnaamijyada mortgage bixiyeen by the "Delta Credit"? Waa maxay hababka cajiib ah is dhexgalka oo ka mid ah bangiga iyo macaamiisheeda?

About bangiga

"Delta Credit" Bangiga Ganacsiga (DeltaCredit) waxaa loo arkaa inay mid ka mid ah marka hore in credit ee Ruush iyo hay'adaha maaliyadda takhasusay suuqa amaahda. Iyada oo hay'adahii kale oo badan ayaa isku dayaysa in ay macaamiisha bixiyaan tirada ugu macquulsan ee adeegyada, DeltaCredit si gaar ah diiradda saarayaa amaah u galo suuqa guryaha. Ma u badan sida credit iyo dhaqaale ururada gaarka ah, sida "Delta Credit Bank" ee Russia. credit Consumer waxa ku jira ma laga heli karaa, laakiin tiro balaadhan oo ah doorasho ee amaahda ah oo halkaas joogta.

Macluumaadka ugu horeysay on hirgelinta barnaamijyada mortgage bangiga waxa laga diiwaan geliyey sanadkii 1998, markii qeybta dhiganta suuqa kaliya ee waxay bilaabeen inay soo baxaan. Si kastaba ha ahaatee, DeltaCredit bangiyada firfircoon Russia bilowday kaliya ee 2001. Sida ku cad falanqeeyayaasha qaar ka mid ah ay leeyihiin dib u eegista, "Credit Delta" - bangi la credit rating a wanaagsan. factor Tani waxay noqon kartaa muhiim ah marka la eego is dhexgalka, tusaale ahaan, la Bangiga Dhexe iyo hay'adaha maaliyadeed shisheeye.

Midaynta iyo habeynta

Sida aan kor ku xusay, in 2001, "Delta Credit," bangiga amaahda, wuxuu bilaabay shaqada ee dalka. Waxaa xiran xaqiiqda ah in nuugista ee qaab dhismeedka of caasimadda ah ee hay'ad maaliyadeed-bangi shisheeye - JP Morgan. 4 sano ka dib saamiyada DeltaCredit ayaa si buuxda u heleen koox dhaqaale "Vaud Generale". Sida laga soo xigtay qaar ka mid ah falanqeeyayaasha, waa isu tag ah oo bangiga la ciyaaryahan ee ugu weyn Yurub ee suuqa inta badan loo dejiyay DeltaCredit ballaarinta firfircoon suuqa amaahda Ruush. At asturidda dhismeedka leeyihiin xaddi weyn khayraadka, "Vaud Generale", waayo-aragnimo ah ee maaraynta iyo isgaarsiinta ciyaartoyda waaweyn ee Europe dhaqaale.

Muddo dheer hay'ad credit shaqeeyay sidii CJSC "Delta Credit". bangiga, si kastaba ha ahaatee, waxay yeelan doonaan in ay magaca keeno line la isbedel qaar in sharciga RF ah. Xaqiiqada ah in noocyada sida ganacsiga sida Company iyo OJSC waxaa hadda la baabiiyo. Haddaba, haddii mid ka mid ah ama urur kale, oo ay ku jiraan bangiyada, waa la shaqeeya by saarista saamiyada, magaca kaliya ka dhawaajin karaa sida SA.

The bangiga iyo suuqa

suuqa amaahda ee Russia ayaa la joogto ah u koraya ee dhowrkii sano ee la soo dhaafay. Tusaale ahaan, sanadkii 2013, dakhliga ee qeybta this kordhay in ka badan 31% marka loo eego tirooyinka 2012. mugga guud ee amaahda ugu badnaan 1.35 trillion. rubles, xaddiga amaahda -. in ka badan 800 oo kun oo unugyo .. Intaa waxaa dheer, dhawr ka gaabsaday mugga deyn bixin - waayo, taasu waxa ay ka 2.04% dhamaadka 2013.

Falanqeeyayaal "Delta Credit" filan in dhamaadka 2014 suuqa amaahda ee Russia ka bixi doona oo ku saabsan 15%, marka la eego qiimaha, ay mugga badnaan doonaa 1.5 trillion. masaxo. Gaar ahaan firfircoon ayaa la filayaa in ay koraan in qeybta dhismayaasha cusub - dhaqdhaqaaqa la xiriira sida khubaro Bank rumaysan, wuxuu noqon doonaa 35%. qeybta Tani waxay ku sii jiri doontaa mid ka mid ah qodobada muhiimka ah ee suuqa amaahda ee Russia ka. Iyagoo keliya ma aha, maxaa yeelay, inta badan, ku soo jiidashada weyn oo cusub oo guriga lagu iibsado marka la barbardhigo sare. Xaqiiqada ah in Russia ayaa ka fiirsaneysa inay maalgelin dhismayaasha cusub si ay u badbaadiyo kaydka ee dhinaca awoodda wax iibsiga. Ruble - lacagta jiro kala duwan oo wakhtiga ugu dambeeyay deggan. Iyadoo suuqa guryaha kireeya oo dhan waxa lagu gartaa koritaanka gaaray. Investments dhismayaasha cusub - rajo soo jiidasho u leh dad badan oo degaanka ah Ruushka.

Isla mar ahaantaana, gobollada qaar ka mid ah, baahida loo qabo waxaa sidoo kale lagu arkay ah "guryaha sare." Xaqiiqada ah in qoysas badan ay dareemaan baahida loo qabo in ay u guuraan guryaha cusub taariikh hore. Waxay lahayn waqti ay ku sugi guryo dhismaha dhammayn, oo xitaa ka sii badan waqti isku mid ah si ay u bixiso daynta. Intaa waxaa dheer, dad badan oo Russia iibsanaysid guri ma aha sidaas u badan si ay ku noolaadaan iyaga oo ku, iyo kirada xiga iyo diinta ka galay hantida a dareere ah. Ujeedada this, si ay u iibsadaan dhismaha cusub ma waxaa loo baahanyahay: waxa suurto gal ah in ay maal-guri tayo leh meel fiican oo magaalada, xataa haddii la soo bandhigay qeybta guryaha sare.

Qaab dhismeedka network

"Delta Credit" - bangiga amaahda ah, kuwaas oo ka hawlgala Russia, labada gudahood ay network gaarka ah ee xafiisyada iyo channels lamaanahaaga baaskiil. Haddaba waxanu hay'ad maaliyadeed - jirtaa hogaamiyayaasha eego amaahda mortgage, oo siyaabo badan status this, Khubarada ayaa leh, bangi ay sabab u ahayd nidaamka Architecture-ku ool ah oo la dhexgalo ururada kale ee ka shaqeeya qeybta.

"Delta Credit" - laanta bangiga wakiil ee magaalooyinka waaweyn ee Russia, Moscow (St. Moss, 7.), St. Petersburg (Nevsky Prospect, 114-116), Kazan (Ostrowski, 87). Taa baddalkeeda, qaab-dhismeedka xubinimadii ay joogaan inta badan gobollada.

The hawlaha "Delta Credit" ee tirooyinka

Heerka miisaan leh celcelis ahaan deynta mortgage ee "Delta Credit" waxay ku xiran tahay gobolka of bangiga. In Nizhny Novgorod, tusaale ahaan, sanadkii 2013, waxay ahayd 12.4% in RUR (taas oo ah wax yar ka badan sannadkii 2012) iyo 9.6% ee lacagta qalaad (kaas oo, ee jeedo, ka hooseeya ee sanadkii hore) . Sababo la xaqiiqada ah in 2014 Bangiga Dhexe kordhisay dulsaarka muhiimka ah, khubaro filan koritaanka dheeraad ah in shuruudaha amaah kala bixiyaan bangiyada Ruush. "Delta Credit" ayay u badan tahay in laga soo reebo ma ku saabsan in habkani.

size Celceliska deynta mortgage ee "Delta Credit" - tilmaamayaasha in sare ugu xiran yihiin joogitaanka bangiga ee gobolka ay yihiin. Haddii aan wax ka qaataa tusaale ahaan, Nizhny Novgorod, tiradaasi u dhigma ee 2013 waxay ahayd abbaaraha 1 million. 357 kun. Rug. Celcelis ahaan in Russia - yar oo dheeraad ah, oo ku saabsan 1,64 milyan oo rubles .. Dabcan, tirooyinka ay noqon doontaa arrin oo kala duwan haddii diiradda la mid ah magaalooyinka ugu waaweyn Ruush, halkaas oo ay jiraan bangiga "Delta Credit" - Moscow. Laakiin qaab kasta - caasimada ama in Nizhny Novgorod - ku filan oo ay ku siin wakiilnimo a schematic oo ka mid ah dhaqdhaqaaqa suuqa: qaab ama mid kale sababtoo ah tirooyinka sicir bararka oo hoygiisuna waa dabiici ah u kordhi doonaa.

barnaamijyada Loan

"Delta Credit" waxay bixisaa dhowr barnaamij oo mortgage caan ah muwaadiniinta Ruushka. xaaladaha ka yar taas oo machadkan dhaqaale waxay bixisaa si ay u soo saari amaahda guryaha, ayaa guud ahaan u dhigma soo jeedinta hoggaamiyayaasha kale ee suuqa. Haddii qaar ka mid ah barnaamijyada amaah ku leeyihiin bet weyn, waxaana badanaa la socdo meelo kale shuruudaha hoos u deynsanaya.

Waxaa ka mid ah qaababka ugu caan ah in sifaha bangiga "Credit Delta" - amaahda waxaa inta badan lacagta. alaabta amaah ah nooca ay bixiyaan ururka, sida caadiga ah, waxaa lagu gartaa heerka hoose. Laakiin waqti isku mid ah la weyn u dhaca ee Ruble ka deynsanaya ay ku adag tahay bixinta daymaha laga yaabaa.

Sida xogta in tiro ka mid ah ilaha dadweynaha, lacagta guud ee daymaha amaahda lacagta qalaad ee Russia waa mid aad u suubban - oo ku saabsan 0.3% wadarta deymaha. Sababo la xiriira xasillooni oo ka mid ah suuqyada maaliyadeed ee amaahda Ruushka caan lacagta ay u badan tahay in ay ku sii yar yahay in sannadaha soo socda.

Waxaa jira ah "Credit Delta" dalab soo jiidasho leh loogu talogalay baahida qoysaska dhallinyarada ah. Waxaa sidoo kale jira macluumaad ku saabsan barnaamijyada in ay bixiyaan dulsaar aad u yar yahay suuqa Ruush - 9,75%. Waxaa jira dalab xilliyeed ee bangiga, iyo sidoo kale noocyo kala duwan oo saamiyada, Ulasocto jeedinta helaan amaah ah oo ka hooseeya heerka hoos u.

Noocyada guryaha, taas oo deynsanaya ka soo heli kartaa "Delta Credit" kala duwan. iibka ah ee hantida maguurtada ah oo dhan ama qaybood. Iibso on credit noqon kartaa guryaha, qolalka, guryaha.

Gobollada qaar ka mid ah, joogitaanka "Delta Credit" waa waxyaabaha bankiga, loo habeeyey si aad u raadiso wax amaahdaana lacagta loo baahan yahay lacag hormaris ah oo ku saabsan amaahda. Waxaa suurto gal ah si ay u isticmaalaan, sida bangiyada badan oo kale, magaalada waalidka sida il of maalgelinta marka aad gadaneyso guri dabaq ah.

Dhexgalka macaamiisha

Mid ka mid ah shuruudaha suuqa, taas oo u dhigma in ay wax kasta oo casri ah (oo ay ku jiraan "Delta Credit"), ee bangiga - dib u eegista macaamiisha waa bartey in uu la socdaa warcelin hay'ad ugu-bangiga dhaqaale. In the case of bangiga ina hor, waxaan hagaajin kartaa model ah mid aad u xiiso for hirgelinta hay'adaha khuseeya shuruudan. Gaar ahaan, this nidaamka, taas oo ka tagi karo labada jawaab online iyo offline. "Delta Credit" - bangi oo bixiya macaamiisha ka tago RAYIGAAG foomka qiimaynta foomamka waraaqaha xafiisyada ee, iyo sidoo kale iyada oo la dhexgalo macaamiisha iyada oo channels online. Maxay yihiin waxyaabaha gaarka ah ee jihada labaad ee shaqo?

Interface bulshada dalwaddii (dhexgeliyey foomka ra'yi) waxaa gundhig in widget on page guriga ee goobta bangiga ah. Macaamiisha ururada dhaqaale, iyaga oo isticmaalaya tegi karo comments ay. "Delta Credit" - bangi in ay ka go'an tahay, ugu horrayn, in furfurnaan. Heerka dhexdhexaad ah ee bulshada waa ay yar tahay. Taasi waa, haddii ay dhibaatadu tahay mid dhab ah, waxa aan la aamusiin by bangiga. Laga soo bilaabo dhibic farsamo of view, xidhiidhka ka dhexeeya "DeltaCredit" iyo macaamiisha fulin filan haboon.

Waa maxay mudnaanta ee this jihada, taas oo ay go'aamiso in ay "Credit Delta"? Bank (eegaya shaqaalaha masuulka ka ah xidhiidhka ka macaamiisha online in this xaqiijin) inta badan diiradda saarayaa sida loo wajaho xal u ah dhibaatooyinka of deynsanaya ay ku iman kara la saarayo on deegaamaynta ah. talooyinka maamulka Ie aan ku ekeyn qaar ka mid ah weedho caadi ah, sida caadiga ah, waxaa lagu fuliyaa si kor loogu qaado wada hadalka macaamiisha wakiillo ka bangiga magaalada gaar ah ama gobolka. Tusaale ahaan, haddii su'aal gaar ah ku weydiiyo deggan St. Petersburg iyo magaalada dariska ah, waxay u badan tahay in jawaabta waxa la siin doonaa, ku salaysan sifooyinka tuulada, halkaas oo ay u hawlgasho "Delta Credit Bank" - St. Petersburg ama mid ka mid ah magaalada ka mid ah gobolka Leningrad. Tani waxay caan ku dhexgalka ee habka of credit iyo hay'ad maaliyadeed macaamiisha waxaa soo jiitay by khubaro iyo deynsanaya badan, taasoo ka dhigeysa celintaada iyo comments on portal online tilmaamay ama khayraadka mowduuc.

dareenka badan "Credit Delta" bixisay tababarka ay shaqaalaha awoodda u lihi si macaamiisha xiriiraan. khubaro The Bank ee doonaya inay dhexgalaan macaamiisha marka la eego dhismaha saldhigga macluumaadka dadweynaha, oo awood u leh soo jiitay deynsanaya kale. Dareenkan, waxay noqon kartaa wax kasta oo wanaagsan - oo ay ku jiraan negative --celin. "Delta Credit" - bangi in karaan, xallinta dhibaatooyinka dhabta ah ee macaamiisha hadda, la abuuro image wanaagsan indhaha u deynsanaya ee. Macluumaad Guud oo ku saabsan riwaayadaha Bank portal-celin, sida laga soo xigtay khubaro, door muhiim ah ka soo jiitay deynsanaya cusub. Haddii, tusaale ahaan, xiisaha user ee amaahda "Delta Credit" dib u eegista bangiga wuxuuna ka codsanaya macaamiisha hadda ka mid ah adeegyada maaliyadeed si portal ku tilmaamay noqon kartaa arrin ugu muhiimsan ee go'aan qaadashada ay guushu ku baaraandegidda amaah ah waxaa loo arkaa in ay credit iyo qaab-dhismeedka maaliyadeed.

Work "online"

Sidee si ay ula shaqeeyaan macaamiisha in hab "online", bangiga sameeyay in la fuliyo? Ilo Qaar ka mid ah ayaa tilmaamaya, tusaale ahaan, in la xidhiidhka macaamiisha internetka shaqeeya a khubaro dersin yar "Delta Credit". mugga ugu weyn ee shaqada loo sameeyaa waaxda suuq bangiga ee, iyo sidoo kale jirkooda mas'uulka ka ah xaaladda farsamo ee codsiyada macmiilka. ilaa xad waxaa si firfircoon ka qabashada adeegyada bangiyada macaamiisha iyada oo channels online, iyo sidoo kale tayada xalinta dhibaatada - qodobo ah in si toos ah saamayn tilmaamayaasha waxqabadka shaqaalaha bangiga ee meelaha muhiimka ah ee shaqada gudahooda.

"Delta Credit" --celinta macaamiisha bangiga oo aan ka helay internetka, shaqaalaha awoodda u leh ee waaxda ku habboon. Codsiga gaar ah waa hay'ad caga go'an. Waxa suurto gal ah, tusaale ahaan, in macmiilka inuu ka jawaabo su'aasha ah ee shaqaalaha caadiga ah ee waaxda suuq geynta ee awood u yeelan doonaan. Haddii shaki ku takhasusay, waxa ay u gudbin codsiga aad kormeeraha. Haddii, ka bacdi, waxay u baahan yihiin ka qaybgalka ee waaxaha kale ee bangiga - su'aasha la faray iyaga. Marka jawaabta awoodda la diyaarin doonaa, sameeyey comment on daabaco "Delta Credit" in bulshada online.

Dabcan, waxaa jira a more "caadiga" for share suuqa, taas oo bixisa ah "Delta Credit Bank", "My Account" macmiilka. Waxaa amaahdaana ka heli kartaa macluumaad faahfaahsan oo ku saabsan waxyaabaha polzuemyh, codsan karo in adeeg taageero macaamiisha bangiga ka, si ay u fuliyaan qaar ka mid ah xawaalad iyo lacagta. Sida laga soo xigtay khubaro badan ayaa lagu qiyaasay noocan oo kale ah qalab oo bixiya "Delta Credit Bank", "xafiiska Private" adeegga macaamiisha ee hay'ad maaliyadeed - qalab ku filan haboon oo waxtar leh.

Reviews Customer: tirakoobka

Waa maxay natiijooyinka la taaban karo ee la kaashanaya macaamiisha bangiga ee internetka? Mid ka mid ah tixraacaan kartaa tirooyinka, daabacay in tiro ka mid ah ilaha. Laga soo bilaabo February in August 2014, tusaale ahaan, in a bangiga bulshada "Credit Delta" "dalwaddii" ayaa abuuray in ka badan 700 oo mawduuc gaar bilaabay by macaamiisha. Waxaa jiray in ka badan 1 kun. Comments. Isla muddadaas bulshada ayaa waxaa soo booqday in ka badan 43 kun. Isticmaala gaar ah. Number of views of portal u dhaafto 329 kun. Fursadaha Wajahadda ka mid ah bulshada, kordhinta gargaarka la isticmaalo khayraadka. Gaar ahaan, marka macmiilku uu bilaabo inuu qoro dib u eegista ama daaweynta waxaa lagu fuliyaa daawooyinka autosubstitution ku salaysan macluumaad ka engine search gudahood saldhigga aqoonta hadda. Sababo la this, qofka qoray codsi ah in bangiga, ku muujinayaa nuxurka dhibaatada waa ugu sax ah la itimaalka sare, iyo xaalado badan si buuxda diyaar u ah in la helo jawaabta su'aashaada. Tusaale ahaan, haddii qof uu xiiseynayo inuu wax halkaas oo "Delta Credit Bank" cinwaanka ee Moscow ama St. Petersburg, taas qaab-dhismeedka maaliyadeed, waxa uu leeyahay oo dhan fursado ah in la helo macluumaadka saxda ah ee database jira.

Statistics lagu daabacay qaar ka mid ah ilaha ayaa tilmaamaya in ku saabsan 70% ka mid ah macaamiisha bangiga ee xal u dhibtii lala kulmay oo aan wacaya xafiis caawimaad ah. Taasi waa, ka heli jawaabaha in database ay horey u sameeyay.

Muuqaal kale oo xiiso leh "Delta Credit" nidaamka warcelin dalwaddii - waxa ay leedahay tiro balaadhan oo ah doorasho ee xiriirka ka dhexeeya macaamiisha bangiga (iyo ma aha oo kaliya shaqaalaha hay'adda credit ah). Sida ku xusan tiro ka mid ah ilaha, oo ku saabsan 12% ka mid ah su'aalo ah posted by macaamiisha adeegyada bangiyada, "xiran" sabab u tahay comments of macaamiisha kale.

hababka qiimaynta deynsanaya '

Sida aan ku sheegay, qeybta, oo ku takhasusay bangiga "Delta Credit" - mortgage ah. Tan iyo format hawsha ku lug leedahay iskaashiga mudada dheer la macaamiisha ah, shuruudaha ay qiimeyn loobahanyahay waa in ay ahaadaan isku dheeli tiran. In uu yahay, on gacanta ku hal, bangiga waa in aanay ogolaan bixinta amaahda si deynsanaya la ilaha su'aal dakhliga iyo aadka u diyaarsaneyn edbinta dhaqaale adag. Oo dhinaca kale ah - shuruudaha adag waa in aan ka cadhaysiinina u diidaan in ay la hay'ad maaliyadeed ka iman kara macmiilka-bangiga shaqeeyaan.

Bank "Delta Credit", hoos shaqeeya jihada si firfircoon horumarinta nidaamka credit goolasha u gaar ah. Sanadihii la soo dhaafay, xooga halkan waxa la dhigayaa qalabaynta geedi socodka. Go'aanka ugu danbeeya ee amaahda weli qaadataa dadka, laakiin uu haatan heysto multifactorial dhaco warbixin in lafaguraa loobahanyahay macmiilka, codsan mortgage ah waxaa lagu soo faahfaahsan oo ku filan. Mid ka mid ah xal kuwan, tusaale ahaan, waxay ku lug leedahay wax soo saarka, taas oo uu noqday natiijada isdhexgalka labada dhinac ee CRM-modules iyo nidaamyada gorfaynta bixisey by bangiga noocyada loo yaqaan heerka Microsoft ah, iyo sidoo kale keydka macluumaadka iyaga u gaar ah "Delta Credit" iyo kuwa ay bixiyaan ururada lamaanahaaga.

Automating geeddi-socodka go'aan-qaadasho ku saabsan codsiyada kordhin kartaa wax soo saarka guud ee askarta amaah ah bangiga, la yareeyo kharashka hawl la xiriira, loo hagaajiyo raaxada macmiil ah naftooda, kuwaas oo aan haysan dheer in ay sugaan natiijada tixgelinta deegaanka ee su'aalahan. Fiiro gaar ah in ilaha dhaqaale ee qaar ka mid ah hababka credit dhaliyay sidoo kale awood karo iyo la-hawlgalayaasheeda "Delta Credit Bank". Codsiyada macaamiisha ay sidoo kale lagu falanqeeyay karaa qaabka guud ee algorithms iswada.

nidaamka shaqada iswada

Sida caadiga ah, qaab-dhismeedka ka mid ah ka soo jeedaan IT-waxyaabaha ku lug leedahay falanqayn laba siyaabood - warbixin toos ah oo ku saabsan wax amaahdaana iyo macluumaadka aan toos ahayn oo ku saabsan. Tusaale ahaan, hoos ikhtiyaarka ugu horeeyay ee loo baran karaa iyada oo taariikhda credit ah muwaadin u dhashay baraa iswada ee barnaamijka in xafiiska ku habboon ama database kale ee la xiriira wax ka. Noocan ah codsi, sida caadiga ah u qabata CRM-habka (sida qayb ka mid ah hal functional of sheyga). macluumaadka aan tooska ahayn ee ku saabsan wax amaahdaana - isbedel cusub ee underwriting degan bangiyada Ruush. Ka mid ah ilaha in laga qayb galin karaa kiiskan - adeegyada lacagta statistics, helitaanka ganaaxyo aan la bixin, warbixin ka shabakadaha bulshada, dabeecada macluumaadka geolocation. All of fursadaha kuwan, "Delta Credit" isticmaali kartaa in ay iswada loobahanyahay qiimaynta nidaamka of deynsanaya.