"Credit Delta" Bank: arotake. "Delta Credit" (Bank) manga, wāhitau, urupare kiritaki

I roto i te feia faatere o te mākete Russian i roto i te tuhaa o te mokete tuku moni - te pēke "Delta Credit". Ahakoa tona tamarikitanga whanaunga, i taea ki te whakatutuki angitu nui i roto i te ao o tona mahi tenei whare pūtea. Nā ki te mea nga painga whakataetae o te pēke rave i te reira? He aha e nga āhuatanga o ngā hōtaka mōkete tapaea e te "Delta Credit"? He aha te mea tikanga faahiahia o ngā taunekeneke o te pēke, me ona kiritaki?

Mō te pēke

"Delta Credit" Commercial Bank (DeltaCredit) whakaaro te ki kia kotahi o te tuatahi i roto i te nama Russian me pūtahi pūtea motuhake i roto i te mākete mokete. Ahakoa kei te ngana maha atu rōpū ki te whakahere kiritaki te maha nui taea o ngā ratonga, hāngai pū DeltaCredit i runga i te mākete taurewa whare. E kore e pera te nui i roto i Russia rite whakahaere nama me te pūtea motuhake, pērā i "Delta Credit Bank". e kore e taea te whiwhi Consumer nama i roto i reira, engari he whānui o ngā kōwhiringa mo te mokete reira ngā.

Ko te kōrero tuatahi i runga i te whakatinanatanga o ngā hōtaka mōkete pēke i tuhia i roto i te 1998, ka anake timata te wāhanga e hāngai ana o te mākete ki te puta. Heoi, kaha DeltaCredit pēke i roto i Russia tīmata anake i roto i te 2001. Mai te mau te tahi mau kaitätari no arotake, "Credit Delta" - he pēke ki te whakatauranga nama pai. Ka taea e tenei take e nui i roto i ngā o te pāhekoheko, hei tauira, ki te Central Bank me ke pūtahi pūtea.

Hanumi me te whakariterite anō

Ka rite ki tuhia i runga ake matou, i roto i te 2001, "Delta Credit," pēke mokete, ka anga mahi i roto i to tatou whenua. I hono te reira ki te meka e te absorption o te hanganga o te whakapaipai o ke-pēke kautaha fakapa'anga - JP Morgan. 4 tau i muri mai i tino riro e te rōpū pūtea "Société Générale" DeltaCredit hea. E ai ki etahi kaitätari, he reira he hanumi o te pēke ki te kaitākaro Pākehā nui o te mākete nuinga tomu'a DeltaCredit roha kaha i runga i te mākete mokete Russian. I te tukunga o te hanganga i te nui nui o ngā rauemi, "Société Générale", te wheako o te whakahaere, me te kōrero ki matua kaitākaro pūtea i roto i Europe.

Hoki te wa roa ngāue institution nama rite CJSC "Delta Credit". Te pēke, Heoi, ka whai ki te kawea tona ingoa ki te rārangi ki etahi huringa i roto i te ture RF. Ko te meka e te whakakahoretia taua momo o mahi rite te Kamupene me OJSC inaianei. Na, ki te mea kei te mahi tetahi ranei te atu whakahaere, tae atu ki ngā pareparenga, na roto i te tuku hea, te ingoa e taea anake tangi rite SA.

Ko te pēke me te mākete

Kei te tipu haere tamau te mākete mokete i Russia i te tau torutoru whakamutunga. Hei tauira, i roto i 2013, hua i roto i tenei wāhanga nui haere e neke atu i te 31% whakaritea ki 2012 whika. Kua hipa te katoa rōrahi o taurewa 1.35 trillion. moni, te nui o taurewa -. neke atu i te 800 mano wae .. I tua atu, e rave rahi i peka te rōrahi o taurewa tōmuri - hoki na'e iku reira ki 2,04% i te mutunga o 2013.

Kaitätari "Delta Credit" titau e i te mutunga o 2014, te mākete mokete i roto i Russia e tupu e pā ana ki te 15%, i roto i ngā uara, ka nui ake tona rōrahi 1.5 trillion. te horoitanga i. tūmanakohia kaha Rawa e ki te tupu i roto i te tuhaa o whare hou - dynamics e pā ana rite tohunga Bank whakapono, ka kia 35%. Ka noho tenei konga tetahi o nga āhuatanga matua o te mākete mokete i Russia. A e kore e anake te mea o te nui, i roto i te rahiraa o te taime, te painga hoko kāinga hou i roto i rite ki te tuarua. Ko te meka e whakaaro i te mua haumi i roto i te whare hou hei ara ki te whakaora i penapena i roto i te āhuatanga o te mana hoko. RUPO - he kore rerekē i roto i te wa kainga hou te moni. Ahakoa te āhuatanga o te mākete hoko whare kia rite ki te katoa e tupu paturu. Investments i roto i ngā whare hou - he 'amanaki ātaahua mō te maha noho o te Russian Federation.

I te wa ano, i roto i te tahi mau rohe, kua kitea hoki te hiahia i roto i te "whare tuarua." Ko te take i maha ngā whānau ite te hiahia ki te neke ki kāinga hou i te rā wawe. E ratou kahore wa ki te tatari hanga mutu ngā whare, me te noa atu pera i te wa ano ki te utu i te mokete. I tua atu, kei te hoko maha mua e kore e pera te nui i roto i te tikanga ki te ora i roto i a ratou, a mo te riihi i muri, me te faafariuraa ki whaitua he rawa wai. Hoki tenei whakaaro, ki te hoko kahore he tika te whare hou: ko reira taea ki te haumi i roto i te fare te kounga i roto i te wāhi pai o te pa, ara ki te tukua atu i roto i te wāhanga whare tuarua.

hanganga whatunga

"Delta Credit" - he pēke mokete, e whakahaerehia ana i roto i Russia, e rua i roto i tona whatunga ake o tari me takere pahikara hoa. Na tenei whare pūtea - i roto i te feia faatere o te i roto i ngā o te mokete taurewa, me i roto i ngā huarahi maha i tenei tūnga, tohunga mea, i tika ki te pūnaha whai hua hoahoanga o pāhekoheko ki ētahi atu rōpū e mahi ana i roto i te wāhanga i te pēke.

"Delta Credit" - māngai he manga pēke i roto i nga pa nui o Russia: Moscow (St. Moss, 7.), St Petersburg (Nevsky Prospect, 114-116), Kazan (Ostrowski, 87). I roto i te tahuri, he hakari i te nuinga o ngā rohe i te hanganga hononga.

Ko te mahi o "Delta Credit" i roto i te tau

Ko te tere toharite tautaha i runga i te mokete loans i roto i te "Delta Credit" tei runga i te rohe o te pēke. I roto i te Nizhny Novgorod, hei tauira, i roto i te 2013 ko reira 12.4% i roto i RUR (i te mea paku neke atu i roto i 2012), me te 9.6% i roto i te moni ke (e, i roto i te tahuri, raro atu i roto i te tau o mua) . Nā ki te meka i roto i 2014 nui haere te Central Bank tona auau huamoni matua, tohunga titau tupu atu i roto i nga tikanga taurewa tēnā e tapaea ana e tahatika Russian. "Delta Credit" he pea ki te kore okotahi e pā ana ki tenei au.

Te rahi toharite o loans mokete i roto i te "Delta Credit" - te tohu e te hunga tino ti'aturi i runga i te aroaro o te pareparenga i roto i te rohe. Ki te tango hoki tatou mo te tauira, Nizhny Novgorod, te ahua hāngai i roto i te 2013 ko e pā ana ki 1 miriona. 357 mano. Mirimiria. I te toharite i roto i te Russia - he iti ake, e pā ana ki 1,64 miriona moni .. O te akoranga, ka hei tino rerekē nga tau, ki te te arotahi o te pa Russian nui rawa, te wahi i reira ko te pēke "Delta Credit" - Moscow. Ko tetahi mahi - ki te whakapaipai ranei ki Nizhny Novgorod - ki nui hoatu te kanohi schematic o nga akiakinga o te mākete: kotahi te ara ka whakapiki ake i tetahi no o tūturu nohoanga tau pikinga ranei.

hōtaka taurewa

"Delta Credit" tuku tangata Russian maha ngā hōtaka mōkete nui. Ko te tikanga i raro i i tuku tenei whare pūtea ki te puta kāinga loans, he tikanga rite ki nga tono o te tahi atu feia faatere o te mākete. Ki te whai etahi o nga hōtaka taurewa he bet nui, kei te nuinga o wāhikē reira e ngā whakaritenga iti mō ngā kaitono e.

I roto i te āhuatanga tino nui e tohu i te pēke "Delta Credit" - mōkete reira te nuinga moni. hua Loan o te momo tapaea e te whakahaere, kia rite ki te tikanga, kei te āhuatanga e te auau iti. Otiia i te wa ano ki te nui hekenga uara o te RUPO kaitono kia whai fifi ki te utu o taurewa.

Ka rite ki nga raraunga i roto i te maha o puna tūmatanui, ko te tino ataahua te nui whānui o te moni ke mokete loans i roto i Russia - e pā ana ki 0.3% o taurewa katoa. Nā ki te tapepe o te mākete pūtea o te Russian Federation mokete rongonui i roto i te moni he pea ki te noho iti i roto i nga tau e haere mai ana.

He he he "Credit Delta" ātaahua hāngai ana ki te hiahia o ngā whānau taitamariki e horo'a. He mōhiohio e pā ana ki te hōtaka e whakarato he auau rawa iti mo te mākete Russian hoki - 9,75%. He he he tuku wāhanga o te pēke, me te ngā momo o hea, tahi e te tono manako he taurewa i raro i nga reiti tuku iho.

Ngā momo o whare, nga kaitono e taea whiwhi "Delta Credit" momo. Ko te hoko o te mau fenua rite te katoa ranei i roto i utunga. Hoko i runga i nama e taea e whaitua, ruma, whare.

I roto i te tahi mau rohe, te aroaro o "Delta Credit" Ko te hua pēke, taunga ki te rapu i te nama te nui e hiahiatia ana mo te utu ki raro, i runga i te mokete. Ko taea ki te whakamahi i, pera i roto i te maha atu pareparenga, te whakapaipai mātua rite te puna o te pūtea, ka hoko te fare.

Ngā pāhekoheko ki kiritaki

Ko tētahi o nga whakaritenga o te mākete, e kia hāngai ki tetahi hou (tae atu "Delta Credit"), te pēke - hopoia kia haere tahi arotake kiritaki i urupare i te tino-pēke pūtea whare. I roto i te take o te pēke i mua ia tatou, ka taea e tatou te whakatika i te tauira rawa ngā mo te whakatinanatanga o ngā pūtahi e hāngai ana ki tenei paearu. I roto i ngā, i tenei pūnaha, e taea te waiho e rua whakautu ipurangi me te tuimotu. "Delta Credit" - he pēke e tuku waiho kiritaki koutou whakaaro i roto i te puka o te aromatawai i runga i ngā puka pepa i roto i te tari, me te roto i te taunekeneke ki kiritaki i roto i takere ipurangi. He aha e nga pau o te aronga tuarua o te mahi?

tāmau Atanga ki te hapori mariko (ngātahi ki te puka urupare) e i roto i te widget i te whārangi kāinga o te pae pēke. Kiritaki o whakahaere pūtea, mā te whakamahi i ratou e taea te waiho o ratou kōrero. "Delta Credit" - he pēke mahia e te, te tuatahi, me te tuatahi, ki te maia. He iti te taumata o whakaōrite i te hapori. Ko te, ki te he tūturu te raruraru, i te reira e kore wahangu e te pēke. Mai i te wāhi hangarau o te tirohanga, te pāhekoheko i waenganui i te "DeltaCredit" me kiritaki whakatinana feunga watea.

He aha e te kaupapa matua i roto i tenei aronga, e whakatau ona "Credit Delta"? Bank (arotake te tokotoko kawenga mo te pāhekoheko ki kiritaki ipurangi ki te whakaū i tenei) te nuinga hāngai ana ki te āhua o ki te whakatata te otinga o nga raruraru o ona kaitono nāianei pea ranei ki te aronga nui ki te localization o. e kore e tūtohutanga whakahaere arā iti ki te tahi mau kīanga noa: rite te tikanga, kei te kawea atu ki te whakatairanga kōrero kiritaki ki ngā māngai o te pēke i roto i te pa ngā rohe ranei. Hei tauira, ki te ui i te uiraa ngā te noho o St Petersburg me te pa tata, he reira pea e ka te whakahoki ki a reira kia hoatu i runga i nga āhuatanga o te kainga, wahi mahi reira "Delta Credit Bank" - St. Petersburg ranei tetahi o te pa o Leningrad rohe. E maere tenei āhuatanga o te pāhekoheko o te pūnaha o kiritaki nama me te whare pūtea e maha tohunga me kaitono, mahue koutou urupare me kōrero i runga i parani tomokanga ipurangi rauemi kaupapa ranei.

Nui aro "Delta Credit" utua ki whakangungu mātau ratou tokotoko ki te kōrero ki te kiritaki. kei te whai tohunga o te Bank ki te taunekeneke ki kiritaki i roto i ngā o te hanganga o te turanga mōhiohio tūmatanui, nehenehe o kukume atu kaitono e. I roto i tenei tikanga, ka taea e te mea he pai - tae atu ki te kino - urupare. "Delta Credit" - he pēke e taea, whakaoti i te raruraru tūturu o kiritaki nāianei, te hanga i tētahi whakapakoko pai i roto i te kanohi o te kaitono e. ngā mōhiohio Public i runga i te whakaari Bank urupare tomokanga, kia rite ki ngā tohunga, he wāhi nui i roto i kukume kaitono hou. Ki te, hei tauira, te moni kaiwhakamahi i roto i te mokete "Delta Credit" arotake pēke me tono nga kiritaki o enei ratonga pūtea ki te tomokanga parani nāianei taea riro te take whakatau-hanga matua i roto i te manakohia o te tukatuka i te taurewa e whakaaro i roto i te nama, me te hanganga pūtea.

Mahi "online"

Me pēhea te ki te mahi ki kiritaki i roto i te aratau "ipurangi", te pēke whakahaere i roto i te mahi? tohu ētahi puna, mo te tauira, e i roto i te kōrero ki te kiritaki mā te Internet kaimahi he torutoru tohunga tatini "Delta Credit". mahi te rōrahi matua o te mahi e tari o te pēke hokohoko, me te te tinana te kawenga mō te mana hangarau o nga tono kiritaki. Kei te kaha te maminga ki te whānuitanga ratonga kiritaki pēke i roto i takere ipurangi, me te te kounga o te hīraurau hopanga - nga āhuatanga e tika pā i te tohu mahi o nga kaimahi pareparenga i roto i te wāhi e hāngai ana o te mahi.

"Delta Credit" - he urupare pēke kiritaki e kua riro mai i ahau i runga i te Ipurangi, ki matatau te tokotoko o tari e hāngai ana. Ko te tono ngā he hinonga ūnga fakapapau'i. Ko tino taea, mo te tauira, e ka taea ki te whakahoki i te pātai o te kaimahi noa o te tari hokohoko te kiritaki. Ki te he feaa mātanga, whakamua reira te tono ki to koutou kaiwhakahaere. Ki te, i roto i te tahuri, ka rapua e te whai wāhitanga o ētahi atu tari o te pēke - whakahaua te pātai kei te ki ratou. Kia e rite te mātau whakahoki, hanga te kōrero i runga i te whakaputanga o "Delta Credit" i roto i te hapori ipurangi.

O te akoranga, i reira te mea he atu "paerewa" mo te wahi mākete, e tuku he "Delta Credit Bank": "taku Pūkete" kiritaki. nama e taea whiwhi te reira i ngā mōhiohio āmiki e pā ana ki ngā hua polzuemyh, kia tono i roto i te ratonga tautoko kiritaki o te pēke, ki te kawe i roto i te tahi mau whakawhitinga me utu. E ai ki ngā tohunga maha i tata tenei ahua o te taputapu e tuku "Delta Credit Bank", "tari Private" ratonga kiritaki o te whare pūtea - makona watea, me te whai hua taputapu.

Reviews Kiritaki: tatauranga

He aha e nga hua mahi o te mahi tahi ki ngā kiritaki o te pareparenga mā te Ipurangi? Ka taea e tetahi faahiti whika, whakaputaina i roto i te maha o puna. Mai i Hui-tanguru ki August 2014, mo te tauira, i roto i te "mariko" pēke hapori "Credit Delta" Kua hanga neke atu i te 700 ngā kaupapa ahurei tīmataria e kiritaki. He i neke atu i te 1 mano. Comments. I roto i te wā taua tae mai te hapori i te taha o runga 43 mano. Kaiwhakamahi ahurei. Tau o whakaaro o te tomokanga nui 329 mano. Kōwhiringa Atanga ngā te hapori, te whakanui ake i whakamarie o te whakamahi rauemi. I roto i ngā, ina tīmata te kiritaki ki te tuhituhi arotake ranei kawea maimoatanga i roto formulations autosubstitution i runga i ngā mōhiohio i te pūkaha rapu i roto i te turanga matauranga o nāianei. Nā ki tenei, te tangata e tuhi te tono ki te pēke, faaite he tika ki tūponotanga tiketike te tino te mauri o te raruraru, a ka i roto i te maha ngā take tino rite ki te kitea te whakahoki ki to koutou pātai. Hei tauira, ki te he hiahia i roto i te tahi mea i te tangata i reira te "Delta Credit Bank" wāhitau i roto i Moscow St Petersburg, tenei hanganga pūtea ranei, te mea i te tūponotanga katoa ki te kitea te mōhiohio tika i roto i te pātengi raraunga e tīariari.

Tatauranga whakaputaina i roto i te maha o ngā mātāpuna tohu e pā ana ki 70% o ngā kiritaki o te pareparenga e whakaoti nga uauatanga tūpono i waho karanga i te tēpu te tauturu. Ko te, kitea te whakautu i roto i te pātengi raraunga kua hanga e.

Ko tētahi atu āhuatanga ngā o te pūnaha urupare mariko "Delta Credit" - te mea he whānui o ngā kōwhiringa mō te kōrero i waenganui i ngā kiritaki o te pēke whānui (me te kore anake ki nga kaimahi o te whare nama). Ka rite ki tuhia i roto i te maha o ngā mātāpuna, e pā ana ki 12% o nga uiui whakairi e kiritaki o ratonga pēke, "katia" e tika ana ki te kōrero o ētahi atu kiritaki.

tikanga aromatawai kaitono e '

Kia rite ki ta mea matou, te wāhanga, e tohunga ana i roto i te pēke "Delta Credit" - he mokete. Mai te hōputu o te mahi tā tahi wā roa-ki te kiritaki, me kia taurite ona paearu aromatawai whakaea. E ko, i runga i te ringa kotahi, te pēke kia kore tukua te issuance o taurewa ki ngā kaitono e ki puna pāhekeheke o te moni, me te pea rokohanga hoki tino ako pūtea. I te tahi atu - e kore e paearu stricter whakapataritari i te hiahia ki te mahi tahi me te kiritaki-pēke whare pūtea pea.

Bank "Delta Credit", mahi i raro i te aronga o kaha whakapai ake ratou ake pūnaha kuru nama. I roto i nga tau tata nei, whakanohoia te aronga i konei i runga i te tukanga aunoatanga. Te whakatau whakamutunga i runga i te taurewa e tonu te iwi, engari i tona tikanga taka he multifactorial he pūrongo e tātari whakaea o te kiritaki, tono kua whakatakotoria he mokete i roto i te rawaka te kiko. Ko tētahi o ēnei rongoā, hei tauira, tā te hua, kua meinga nei e te hua o te tuitui tahi o CRM-kōwae, me ngā pūnaha tātari tukua e te pēke rama mohiotia Microsoft taumata, me te ratou ake pātengi raraunga "Delta Credit" me te hunga e kua whakaratohia e te rōpū hoa.

Automating te tukanga o-whakatau kaupapa i runga i ngā tono ka taea e whakapiki ake i te hua whānui o te taurewa rangatira o te pēke, whakaiti i te utu whakahaere hāngai, te whakapai ake i te whakamarie o nga kiritaki ratou, e kore e nei i roa ki te tatari mo ngā hua o te whakaaro o te pätai. Kia mahara e taea hoki e taea ai nga rauemi o etahi o nga pūnaha piro nama me hoa "Delta Credit Bank". Tono e taea hoki te tātarihia ratou kiritaki i roto i te anga o ngā hātepe aunoa.

mahi pūnaha aunoa

Ka rite ki te tikanga, te hanganga o te tēnā IT-hua tā te tātari i roto i te rua ara - mōhiohio hāngai e pā ana ki te nama, me te mōhiohio autaki e pā ana ki reira. Hei tauira, i raro i te kōwhiringa tuatahi taea te ako i roto i te hītori nama o te tangata o te whāwhā aunoa o te hōtaka i roto i te tari e tika ana ranei tetahi atu pātengi hāngai. Tenei ahua o te tono, te tikanga mahi CRM-pūnaha (rite te wahi mahi kotahi o te hua). mōhiohio autaki e pā ana ki te nama - he au āhua hou i roto i underwriting nohoia e te tahatika Russian. I roto i te puna e kia whai wāhi ai i roto i tenei take - ratonga utu tatauranga, te wātea o ngā whaina tino, ngā mōhiohio i whatunga pāpori, ngā mōhiohio geolocation āhua. Katoa o enei kōwhiringa, "Delta Credit" taea te whakamahi i roto i to ratou whakaea aromatawai pūnaha aunoa o ngā kaitono e.