"Summer Bank": dib u eegista. OJSC "Bank of Summer." "Summer Bank" - amaah lacag caddaan ah

OJSC "Bank of Summer" - hoosaad ah VTB 24, ee ka shaqeeya qeybta daynta macaamilka mass. Bank Weeraryahanka dhigeysa shuruudaha ugu yar ee deynsanaya, bixiya tiro balaadhan oo ah alaabta iyo adeegyada.

story

In 1990, waxaa jiray a hay'ad credit "Bezhitsa-Bank" in Bryansk. adeegyadeeda waxaa loo isticmaalaa by ee shirkadaha ugu waaweyn ee magaalada, si tartiib ah u bilaabay in ay horumariyaan suuqa amaahda iyo macaamilka amaahda. Sannadkii 2005, in haysashada lacagta ururka ayaa ku biiray Hay'adda Maareynta Hantida Federaalka, iyo in 2006 - Bangiga Moscow, kuwaas oo muddo saddex sano ah ayaa kor u kacay ay qayb ka sarreeya 95%. In 2011, hay'ad maaliyadeed iyo nawaaxigeeda ayaa la nuugo VTB Group oo tan iyo markaas waa ay hoosaad.

Bishii Abriil 2012, ku dhawaad 100% saamiyada (qayb aad u yar ku hadhay la saamiga laga tirada badan yahay a) "Bezhitsa-Bank" hore u leedahay VTB 24, iyo madaxa guddiga ahaa Dmitry Rudenko, oo hore guddoomiye ku-xigeenka oo ka mid ah "Ruush Standard". Oo isna wuxuu lahaa khibrad wayn ee suuqa amaahda macaamilka (oo ay ku jiraan horumarinta ilaa xad cusub oo Ruush POS-daynta - at dhibcood ee sale marka gadashada badeecada). Maamulka sare ee qaab dhismeedka maaliyadeed iyo mid ah tababarayaal kale oo ka tirsan "Ruush Standard". Bishii Oktoobar 2012, "Bezhitsa Bank" qabtay ka bedelayaan iyo magac badalka, la beddelo magaca. Sidaas daraaddeed waxaa ku a "Summer Bank", Moscow noqday magaalada halkaas oo xafiiska madaxa ururka ka.

Model Business

Haddaba "Summer Bank" - hay'ad in ku takhasustay wax-u qeybta tafaariiqda mass ee suuqa macaamiisha. Waxaa ka mid ah waxyaabaha ugu muhiimsan - bixinta daymaha qaab deg deg ah (oo ay ku jiraan via codsiga in silsilado tafaariiqda), kaash ama kaadh. "Summer Bank", dib u eegista ah ee ku jira oo dhan oo ka mid ah portals online mowduuc - Guud ahaan dalka, wax badan oo ka mid ah xafiisyada credit iyo lacag caddaan ah, a brand qaranka cusub furay. Taariikh ahaan, ururada ganacsiga ugu horeysay oo kala saxiixday heshiis iskaashi ah oo la "gabadh" VTB 24 noqday network DNS (Injineer iibka) iyo "Elmeh" (sale of dhogorta). Barnaamijka Credit "Bank of Summer" waxaa loogu talagalay in aad si loo fududeeyo iibka badeecadaha iyo adeegyada loogu talagalay dadka qaba awoodda bixinta hooseeya (ama ku koobnayn waqtiga gadashada). Cishood amaahda waa mid aad u fududeeyey - waxaad u baahan tahay ugu yaraan waraaqaha, go'aanka waxaa si deg deg ah laga qaaday. Laakiin model ganacsiga waxaa saldhig u-miyo sare aad - ugu yaraan 29.9% sannadkii (marka la eego POS-daynta iyo daymaha gaariga).

Dhismaha hantida iyo mudnaanta

Inkastoo ay kor u kaceen degdeg ah ee ay caanka ee dalka, "Summer Bank", dhab ahaantii, weli "xawaaladaha". Dhismaha deymaha ee hay'adda waxaa wakiil miisaaniyadda kaliya gudaha ah, hantida - in qaab amaah inter-bangiga, xisaabaadka shirkadaha on account u gaar ah la Bangiga Dhexe ee Russia. Qiyaastii kala bar oo ka mid ah hantida ka mid ah "Bank of Summer" waa lug maalgelinta kaabayaasha, furitaanka xafiis cusub ee dalka, hubinta habka macluumaadka. Iyada oo bangiga maalgashiga wax ku ool ah u ahayd arrin muddo gaaban waqti in ay helaan kalsoonida macaamiisha. Waa hay'ad maaliyadeed guulaha yar yar laakiin la xaqiijiyay bixisaa heerka tartan ee deynsanaya xiiso iyo heerka wanaagsan ee adeeg, oo ay taageerayaan shaqaale u qalma. koox bartilmaameed u ah deynsanaya "Bank of Summer" - degan guursan oo ka mid ah maado Federation Ruush xarunta maamulka ee 20 kun oo rubles, dakhliga iyo ururka ka shaqaynin yar. Hay'adda barbaro fiiro gaar ah u soo celiyaan macaamiisha, iyaga oo bixinaya fursad wanaagsan.

deyn lacag caddaan ah

Marka si ay u abuuraan brand cusub ee wejiga "Summer Bank", maamulka VTB 24 qorsheeyay in ay xooga saarto shaqada hay'adda ee qaybaha kuwa halkaas oo shirkadda waalidka ma la fuliyo howlo - qeybta ka mid ah adeegyada mass ee dadka. Sidaa darteed, shuruudaha bixinta deynta bangiga cusub waxaa inta badan la fududeeyay. Qasdigiisu bangiyada wax soo saarka brand "Summer Bank" - amaah ah oo lacag caddaan ah. Sida caadiga ah, waa deyn express "Summer-Money", taas oo go'aan lagu gaaro in dhowr daqiiqo (qadarka weyn ee - dheer). Amaahdaana u baahan yahay si ay u muujiyaan oo kaliya baasaboor (haddii lacagta 100 kun, haddii dheeraad ah -. Looga baahan yahay iyo dokumentiyada kale).

Heerka for line alaabta this - 29,9-39,9%, taas oo u dhiganta tirooyinka caadiga ah ee suuqa. Isla mar ahaantaana, "Bank Summer" waxay bixisaa alaabta aad u gaarka ah, analoogga ah oo laga helo hay'adaha kale ee dhaqaale ma yihiin kuwo aad u badanaa: amaah jilicsan waayo deynsanaya lagu kalsoonaan karo oo ku saabsan heerka dhabta ah ee 19.9% sannadkii. Taasi waa, markaad dhamayso bixinta amaah ah amaahdaana laabtay farqiga u, sida haddii uu bixiyo boqolkiiba cayiman. bixinta qayb ahaan ama gebi loo ogol yahay, lacag samaynta ee koontada tagaa on nidaamka magdhowga. Waxaa jira lacag yar - ay size ku xiran caddadka lacagta amaahda.

adeegyo dheeraad ah

"Summer Bank", dib u eegista ah kuwaas oo loo go'aamiyo adeegyo dheeraad ah oo tayo leh siyaabo badan, ku siin karaan amaahdaana tiro ka mid ah fursadaha in wada noolaanshaha la soo saarka bangiyada aasaasiga ah. Ka mid ah kuwa, tusaale ahaan, adeegga "seegay lacagaha": macmiilka ka hortagi kara lacag keliya dabayaaqadii sanadkii mar, oo ma cunaqabatayn, waayo lama siineyo (marka laga reebo in muddada deynta bil ah dhaqaaqi doono ka hor). Doorashadan xiiso leh waa in ay "beddeli taariikhda bixinta ': haddii qofka uusan haysan waqti ay ku lacag loo qorsheeyey, waxa dib loo dhigo waxaa laga yaabaa in taariikhda bixinta lacag 15 maalmood. Adeegga kharash 90 rubles.

Waxaa jira adeeg "lacagta waa la dhimay", jidaynayey dhowr dib u habayn amaah: hal amaah la dhimi karaa tabarucaadka lacagta khasab ah ay sabab u tahay kororka tirada guud ee muddo amaah ah. Waxaa jira ah "Bank of Summer" iyo wax soo saarka sida "Barnaamijka Caymiska" - fulinta siyaasadda haddii ay dhacdo dhibaato bixinta daymaha. qiimaha Service - 0.74% lacagta amaahda, qor-down waa ka xisaab ah ee ku salysan bishiiba.

Features credit

"Summer Bank" amaah lacag caddaan ah oo laga heli karaa ugu yaraan dukumentiyada waa shuruudaha daynta aad u hufan. Waa maxay macnaha macaamiisha ah ee qandaraas - oo uu bixiyo ma fariimihii print yar. Caymiska marka aad dalab amaah ah waa in ay soo saaraan iskaa wax u qabso, ka duwan bangiyada tartamaya, halkaas oo waxaa la mararka qaarkood ay ku soo rogeen. go'aan qaadashada Quick on codsiyada ay sabab u tahay nidaamka ugu fiican "dhaliyey" iyo qiimaynta ee loobahanyahay. Sababtoo ah hay'ad credit tani ma u baahan tahay xaddi weyn oo waraaqaha iyo lacagta waxaa inta badan soo saaray maalinta codsiga.

A arrin aad u muhiim ah - kaabayaasha, "ayuu Bank of Summer" waxaa la dhexgeliyey in VTB 24, si ay dhammaan ATM iyo xafiisyada hay'adda dambe - at asturidda macaamiisha "xagaaga". In mabda'a, awood u leh inay abaalmarin deynsanaya ugu badato - xafiisyada, iyada oo boosteejada, nidaamka xawaaladaha. Sidoo kale, "Bank of Summer" baddalo nidaamka isgaarsiinta fog macaamiisha, waayo, tusaale ahaan, haddii aad rabto in aad isticmaasho mid ka mid ah adeegyada la kor ku qoran, waxa ku filan inuu u soo yeedho aasaaska xarunta call ma ahan in xafiiska tag. Hotline "Bank of Summer" mar walba diyaar u yahay inuu wadahadal la deynsanaya.

Qalbiqaboojin Si macmiilka

In kasta oo xaqiiqda ah in samaynta midabo gudaha xafiiska of istareexsan oo saaxiibnimo ah - dhaqankan cusub ee ku dhowaad dhammaan hay'adaha credit Ruush, "Bank Summer" kala duwan "xilliyeedka", ka magaca ay fikrad gaar ah codadka ah dugaal soo socda, la abuuro jawi ah raaxada ee goobta iyaga u gaar ah. ka design aad u qurux badan, aad ugu faraxsan ururka hawsha Bank ayaa laga reebo: xarumaha oo dhan si ay ula macaamiisha ka shaqeeyaan shaqada maalin kasta, waxaa jira boosteejada bixinta iyaga oo ku. Waxaa soo jiidata dadka iyo hadal wanaagsan ee horyaalka, taas oo uu leeyahay bangi - xagaaga. hay'adaha Cinwaanada waxaa si fudud looga heli inta badan haayaha online magaalooyinka.

Sida kor ku xusan, ku xusan ma guddiyada iyo xiiso, aad lacag ka dhigi karaa iyada oo credit iyo kaabayaasha VTB 24, xubno ka mid ah oo waxaa lagu soo bandhigay in tiro badan ee magaalooyinka ugu. Fikradda ah ixtiraam iyo saaxiibnimo ah si ay macaamiisha iyo nuuxnuuxsaday maamulka brand "Summer Bank" ah. Xafiisyada Jadwalka - ma aha oo kaliya mid ka mid ah, si kastaba ha ahaatee, kala bixiyc deynsanaya raaxada. Si qaar ka mid ah ka qayb ilaa xad ah model ah ee saaxiibtinimo waa daacad qiimaynta loobahanyahay macaamiisha - deyn ah oo machadkan ka heli kartaa dadka hawlgabka ah iyo ardayda, kaas oo ratio ee hay'adaha kale ee dhaqaale (oo ay ku jiraan VTB 24) badanaa ma aha trust ugu. The faa'iido ugu muhiimsan, taas oo uu leeyahay a "Bank Summer" - codsiga amaah ah waxaa loo arkaa mid aad u dhakhso ah.

Amaahda dhex bangiyada dhinac saddexaad

"Summer Bank" isku dayayaan in ay tijaabiyaan - gaar ahaan, iyada oo iibka alaabta credit ay hay'ado kale lamaanahaaga. Sida laga soo xigtay warbaahinta gaar ah, mid ka mid ah kuwa waa bangi, "kaalay!", Taas oo hore u bixisaa amaahda on the "duuli" heerarka iyo ka "gabadh" VTB 24. Khubarada waxay aaminsan yihiin in aan ka hadlayno taaso bangiyada isticmaalo software - weli yar loo yaqaan qaab Ruush ah dhexgalka ee hay'adaha maaliyadeed. maamulka urur ayaa aaminsan in iskaashiga sida ka caawisaa si ay u falanqeeyaan suuqa ee gobolada, taas oo brand uusan weli haysan xafiisyada. Oo bangiga, "kaalay!" Ma dhab lala wadaago lammaane macaamiisha cusub isku dayaya in ay "jejebiyeen" daydo cusub ee wax soo saarka gaar ah. Waxaa ka mid ah khubarada iyo qiimeynta muhiim u ah xidhiidhka ka dhexeeya laba hay'adaha credit: franchisinka ansxiyey khasaaraha la xidhiidha image ah. Iibinta alaabta dadka kale ee bangiga noqon wareer macaamiisha laga yaabaa. Inkastoo, sida uu qiray by khubaro, "Kaalay on!" Heshay dakhli ka ballan qaaday komishanka la eber khatarta credit.

guusha marka la eego tirada

"Bank Summer" si firfircoon sahaminta suuqa Ruush ee amaahda macaamiisha. Khubarada qiyaaso hay'adda, "zakreditovannost" dadka dhabta Ruush ee qeybta this, inkastoo dadkii badnaa ka mid ah qiimaynta rajo xun, aan ka badnayn 10%. heerka Aadka u qaabbilaadda ah ee dib u dhac ku model ganacsiga ee bangiga waqtiga furitaanka ahayd 15%, laakiin horumar ah ee "dhaliyay" farsamo iyo underwriting tiradaasi in la hoos u dhigay 12% ilaa iyo dhamaadka 2014. In la eego qoritaanka "Summer Bank", dib u eegista ah taas oo ka dhigeysa in deynsanaya ma aha oo kaliya, laakiin sidoo kale shaqaalaha, diiradda saarayaa dhalinyarada in yaraynaysaa in sifo ee "middaysan yahay" Muddooyinka qeybta suuqa.

Inta lagu jiro 2013 faylalka bangiga ayaa koray 29 jeer waxayna siyaadsadeen 1 billion rubles. Tani waxay ka kooban yahay laba qaybood - credits lacag caddaan ah iyo POS-daynta (4 iyo 16 billion, siday u kala horreeyaan). Koraaya iyo juqraafiga meelaha halkaas oo ay jiraan Dhuxul "Bank Summer" - biiray Rostov-on-Don, Kemerovo iyo magaalooyin kale oo waaweyn Ruush. By dhamaadka 2014 maamulka bangiga ayaa filanaya in koritaanka faylalka tacliimeed ee ilaa 28 billion. Hagaajinta kaabayaasha ah Hay'ad maaliyadeed ayaa hoos qiyaas ahaan waqtiga codsiga amaahda ka mid ah ilaa 10 daqiiqo, taasoo keentay in xarumaha credit ah ayaa waxaa laga tirtiray safka of deynsanaya sugayaan xal. Waxa uu noqdo shaqo wax soo saar badan ee shaqaalaha - taasi waa waxgarasho aad iyo aad u wanaagsan oo leh "Summer Bank", kaas oo dib u eegis ku shaqaalaha oo kaliya ma noqon karto xun ay sabab u tahay isdhexgalka isku dubaridan oo ka mid ah kooxihii kala duwan ee ururka.

qiimaynta amaahdaana

nidaamka ah "dhaliyay" iyo underwriting, "ayuu Bank of Summer" - si otomaatik ah looogu ku salaysan SAS Credit Dhibcaha iyo SAS Real-Time Go'aan, loogu talagalay in lagu sameeyo go'aamo ee waqtiga dhabta ah. Sidoo kale ku xiran tahay habkan dhowr xafiisyada credit. waa Work socda dhinaca online: qiimaynta deynsanaya dhacdaa oo ay ku jiraan oo ku saleysan profiles ee shabakadaha bulshada. Bank ayaa sidoo kale qorshaynaysa in ay soo bandhigto adeeg lafaguraa isgaarsiinta shakhsi amaahdaana ee: la kii uu yaqaano, waxa da'da iyo jinsiga dadka sida ay yihiin, markeeda, falgalaan kasta oo kale oo waxa ay leeyihiin bangiga.

Hubinta macmiilka nidaamka this ogolaan doonaa, ka baranayay profile bulshada, si loo ogaado in uu yahay qof daacad ah marka buuxinta codsiga marka laga reebo. Si kastaba ha ahaatee, doorka nin ee "dhaliyay" iyo khubaro underwriting qiyaaso sida sare: hal lahayn, xitaa habka ugu horumarsan ee iswada multifactorial ma kala dhig dhigi karaa macluumaadka ku saabsan amaahdaana. "Summer Bank", codsiga amaah ah oo dib loo eego isku dhafan - sida shaqaale ah, oo si toos ah - qaban views la mid ah.

kaararka deynta

Haddaba line sheyga "Bank Summer" maya kaararka deynta, laakiin bilowgii iyaga la shaqeeya ayaa la qorsheeyay 2014. Inkasta oo kaliya soo saartay deyn lacag caddaan ah, laakiin maamulka abuuritaanka fahamsan yahay in kaarka - suuqa qalab midig, oo wuxuu korodhsan doonaa iibka. Si kastaba ha ahaatee, credit card waa in ay noqoto wax soo saarka bangiyada madax banaan. Management ku dhawaaqday qorshayaal si uu u furo line this dhowr warbaahinta gaarka ah. "Summer Bank" card kaas oo la qorsheeyay in la sii daayo on maalgashiga on qayb ka mid ah VTB 24 samaysyada, sida ay khubarada suuqa, talaabada ugu macquul ah.

Deymaha la dulsaarka sare, falanqeeyayaasha ayaa sidaa leh, ka heli doontaa waafaqsan wanaagsan la "card" format. Dhaqaaleyahannada rumaysan this daynta qeybta waa arrin caan ah oo ku Russia. Waxaa laga yaabaa in marketers "gabadh" VTB 24 waa in aan jiid in dhamaadka sanadka 2014, oo isku day waqti kala duwan ee sanadka - xagaaga. items Cinwaanka meesha "credit" waxaa laga dalban karaa, macaamiisha ka dibna isla markiiba xafiisyada shaqaalaha hay'adda doono.

POS-daynta

Sida hore u soo sheegnay, ee buuggan "Summer Bank" dadka ka shaqeeya, oo sannado badan ku hawlan POS-daynta, marka wax iibsadaa dukaanka, ma helo lacag ku filan si aad u iibsato waxyaabaha aad jeceshahay, waxaad u yar oo amaah ah oo ka dhigi kara. khubaro Market aaminsan yihiin in tartanka u dhexeeya hay'adaha maaliyadeed kala duwan ee qeybta this u korayo, dukaamada isu waxaa lagu martiqaadayaa inay warbaahinta wakiillo ka bangiyada. amaahdaana is barbardhigi kartaa dalabyo ka helay dhowr hay'adaha credit, oo si toos ah oo dhan dalban, ka dibna si ay u doortaan ikhtiyaarka ugu tara. Hawsha ugu wayn ee ciyaartoyda suuqa, ay ka mid yihiin "Summer Bank" - hagaajinta hababka qiimaynta, hagaajinta tayada kaabayaasha. Tartanka waa heer sare ah, laakiin sababta oo ah macmiilka dooran doonaa hay'ad in, ugu horreeya oo dhan, ku siin jawaab ugu dhakhso ah in codsiga. Waxaa sidoo kale muhim waa arrin wanaagsan ee shaqada la amaahdaana - haddii dambaysta ah ma jecli wax, ka dibna marka xigta uu ku dooran doonaa urur kale, oo tanuna waa si cad u ogaadaan oo ka mid ah "Summer Bank". Reviews Customer - kuwaas oo wanaagsan - oo ay gacan aasaaska guusha iyo horumarka ganacsi ee bangiyada.