"Alpha Finance": ncomo, iinkonzo

iibhanki abaninzi Russian zinika abathengi zabo, kunye needipozithi yengeniso izixhobo ezongezelelweyo gesi. Ezinye babo ngokusekelwe utyalo-mali kwii-asethi weli shishini. Phakathi kwabo - inkqubo "Alpha Finance". Yintoni Okukodwa wayo? Loluphi uhlobo lokubuya ekuthatheni inxaxheba kulo kungalindeleka?

ulwazi ngokubanzi malunga "Alpha Finance"

"Alpha Finance" - na inkqubo yotyalo of "Alfa-Bank", eyaqaliswa ngo-2010 kwaye sivulelekile ukuba inxaxheba-mali ukuza kuthi ga ngoku. Ukupela igama lakhe zwi, noko lilinye - "AlfaFinans" kodwa wambeka yokubhala eyahlukileyo Russian. Yintoni ingakumbi kweli nyathelo ohambelana?

Ngokusekelwe kwiinkcukacha zoluntu, ngokuthi "Alpha Finance" yibhanki inkqubo nobona igama ekutsaleni mali labucala ukutyala asethi yokwenene. Kulo, ukuba mhlawumbi ezahlukeneyo ngokwesiseko mali efanayo, apho kukho isixhobo mali kuba, ngokukodwa, urhwebo kunye ukutshintshiselana zemali. Thoba ekuthatheni inxaxheba kwinkqubo ezifanelekileyo wehlile ngaphezulu ukufakwa kwemali efakwa ebhankini.

Mhlawumbi Makuqatshelwe Ububanzi esimi kwenkqubo "Alpha Finance": Voronezh, Yaroslavl, eMoscow kunye nezinye iidolophu ezinkulu kufuneka amasebe ibhanki oluhloniphiweyo. abagcinisa Kusenokubakho babhalise izivumelwano zotyalo-mali.

Benefits program

Iinzuzo inxaxheba kwesixhobo mali efana "Alpha Finance", ibhanki ukuthi uqale oko, funda oku kulandelayo:

- le nkqubo iqinisekisa ukhuseleko mali abagcinisa ', nokuba imali yabo lingaphezu kwe-1.4 miliyoni engange (esekwe ngurhulumente umda ubungakanani wokubuyiswa iidiphozithi xa ungonakala leziko ngetyala).

- mali labucala adlulisele izibonelelo zemali amachule ubugcisa, kodwa ithuba inxaxheba ekukhethweni kwe ngokupheleleyo isixhobo gesi hoxa;

- inzuzo unako ukufikelela 25-30% yaye ngakumbi.

Eyona isiqalelo yenkqubo "Alpha Finance" - isicwangciso mali. Okwangoku, ibhanki oluphuhliswe kwisixhobo mali, inikeza umthengi ukhethe 7 yayo. Cinga Okukodwa yabo.

Isicwangciso of "Iinkampani eziXuba amaYeza"

Isicwangciso ecetywayo yinkqubo "Alpha Finance" (iimpendulo iingcali abaninzi ngendlela eyakhayo), kuquka utyalo-asethi lwamashishini ezivelisa amayeza. Ngokutsho bezimali, ochaphazelekayo icandelo imarike - phakathi ethembisayo, kuba imfuno amayeza ezikumgangatho ophezulu usoloko izinzile. Phantsi "Alpha Finance" bekumele ukuba zityalwe kwizabelo zeenkampani ahamba phambili lamachiza ehlabathini. Phakathi kwabo:

--Novartis.

- Novo Nordisk.

- Celgene.

- eGiliyadi.

- SANOFI.

- GlaxoSmithKline.

Yintoni na ke odumileyo?

inkampani Novartis, ngokutsho ezinye iingqikelelo, le yesibini ngobukhulu yenkampani eyenza ehlabathini yi emakethe. Yinto eyaziwayo evelisa izinto ezithandwayo "Theraflu", "Tavegil", "Fenistil", "Lamisil" apho bafuna uhlala phezulu kumazwe amaninzi.

Le nkampani Novo Nordisk yaziwa ngokuba ngumlimi inkulu ehlabathini ngayo insulin. Celgene brand silwenza iziyobisi ukuba unyango umhlaza kunye neengxaki amajoni omzimba. Corporation yaseGiliyadi iphuhlisa amachiza athomalalisa i-HIV. inkampani SANOFI velisa uluhlu olubanzi iimveliso, phakathi kwabo - "Essentiale", "umbingelelo womthendeleko", "Bronhikum", "Magne B6" yaye "Sofradeks". Brand GlaxoSmithKline uvelisa amachiza, amachiza antiviral - "kazz", "Solpadein" yaye "Coldrex".

"Iinkampani ezinkulu the US"

Enye qhinga olucetywayo sikhokelo lotyalo-mali "Alpha Finance" (reviews Abahlaziyi zikwaquka uhlolo esihle kakhulu kuyo), ubizwa ngokuba "iinkampani Major US." Kucingelwa ekufunyanweni asethi corporate zifakiwe kwi-S & P 500, inzuzo iyonke okumane izigidi zeerandi. Phakathi kwezi nkampani:

- Johnson & Johnson.

- Chevron.

- JPMorgan Chase.

- ExxonMobil.

- Jikelele Electric.

- Procter & Gamble.

Nganye kwezi amancinci kakuhle yaziwa eRashiya. Le nkampani Johnson & Johnson njengenxalenye kwamashishini amakhulu avelisa iimveliso yococeko, izixhobo zonyango kunye namayeza. Ishevron Corporation - phakathi iingxilimbela ehlabathini kushishino oyile negesi. JPMorgan Chase Bank luphawulwa uzinzo ukusebenza kakuhle, nangona xenga ukuba uyabonakala kwinani iinxalenye inkqubo yezimali kwihlabathi. Le nkampani ExxonMobil - nenye ingxilimbela amandla, uphakathi imali eninzi kakhulu kwicandelo loshishino labucala. General Electric Inkampani ngokubonakalayo imali kumashishini ezithembisayo profile zabo. Le corporation Procter & Gamble kuthatha malunga ne-25% ye kwimarike yehlabathi kwi icandelo iimpahla yokusebenzisa abaninzi.

"Innovative IT-inkampani"

"Alpha Finance" Enye indlela emangalisayo (reviews labahlalutyi zemali malunga njengento entle kakhulu) - "Innovative IT-iinkampani." Kucingelwa ukuba zityalwe asethi bemibutho ezinkulu:

- Apple.

- Google.

- Samsung.

- Microsoft.

- "Yandex".

- Facebook.

Ngamnye kubo, nangona imali yayintle, kukho amathuba okukhula ngakumbi, iingcali zikholelwa. Izabelo kwiinkampani ezininzi ezidweliswe kuluhlu, ebonisa ukuba ukukhula 40-50% ngonyaka.

"Amazwe asakhasayo"

Enye qhinga olucetywayo sikhokelo "Alpha Finance" (Abatyali ncomo ichaza ukuba njengomnye ethembisayo) - "Amazwe asakhasayo". Oku kuquka utyalo-mali kwii-asethi beenkampani esebenza kumazwe neemarike asakhulayo. Ngokukodwa:

- Taiwan;

- e Hong Kong;

- eMexico;

- Malaysia;

- eMzantsi Afrika;

- in Indonesia.

Uninzi uqoqosho kumazwe ezikhethiweyo ikhula ngokukhawuleza kakhulu kule nkqubo yezoqoqosho amazwe ahambele phambili ehlabathini. Ngelo xesha linye zonke izibonelelo eziyimfuneko kunye nezibonelelo kuba nolwando oluzinzileyo. zimali abaninzi jikelele zikhetha ukutyala imali kwishishini ngayo kumazwe asakhasayo, apho kukho onke amathemba ukufikelela nenzuzo iphezulu kwamashishini.

"FMCG"

nobuchule obungaqhelekanga kakhulu kubonakala "FMCG" umema inxaxheba kwinkqubo "Alpha Finance". EMoscow - enye eziphambili amaziko zoqoqosho lwaseYurophu, kodwa abahlalutyi nokuba abanamava ombaxa phawula ngokuphuma lwengqiqo ecetywayo yi "Alfa-Bank."

Isicwangciso ekuthethwa kubandakanya imali-asethi corporate avelisa, enyanisweni, ezo iimveliso ezifunwa ngabantu phantse yonke imihla: ngococeko, ukutya, iziselo. Phakathi abadlali ezikhokelela kwesi ingxenye kwimarike:

- Nestle.

- McDonald yakhe.

- Coca-Cola.

- Pfizer.

- iUnilever.

- Iklinkhi-Palmolive.

Imfuno zeemvelo zezi iinkampani uzinzile, kwakunye nxaxheba imali inkqubo "Alpha Finance".

"Chips Blue"

Esi sicwangciso kuquka utyalo iinkampani ezinkulu Russian, leyo, enyanisweni, kwakungamandla awayeqhuba uqoqosho yesizwe Russian Federation. Phakathi kwabo:

- Novatek, leyo isebenza kwi oyile negesi candelo.

- LUKOIL, omnye brand idumileyo kummandla kwimveliso amafutha motor.

- Bashneft kunye nezinye ezinkulu oyile corporation.

- Surgutneftegaz - enye iinkokheli oyile negesi imarike of Russia.

- Evraz, omnye nabavelisi zentsimbi inkulu ehlabathini.

- "Polymetal" - phakathi kwehlabathi ehamba imigodi zegolide, isilivere nobhedu.

Nangona le ngxaki zangoku kwi kuqoqosho Russian, ezi iinkampani uzinzile. Utyalo-asethi zabo, ngaloo ndlela, wabonakalisa inzuzo elungileyo. abatyali-mali abaninzi bathi ngoku, lo gama Izabelo eziphambili iinkampani Russian ayafikeleleka kakhulu, unako imali ukuba bangene imveliso iyonke istock market RF kwindlela yokukhula oluzinzileyo ngaphandle ukwanda ikomkhulu labo.

"Metals Precious"

Enye isicwangciso yi-nxaxheba kwinkqubo "Alpha Finance" - "Metals Precious". Invest, ngoko ukuze lube kubo, hayi kanye mandithi, kwamaxabiso zawo kwimarike okuphindiweyo. Ngokutsho iingcali "Alfa-Bank", iingenelo imali amatye anqabileyo - resistance lwabo Ngokwembali zonke iintlobo iingxaki. Ngaphandle hexa kwezi zicatshulwa ezifanelekileyo, igolide, isilivere platinum (ezo isinyithi, ezo ebekumele ukuba utyalo) ziya kusoloko kwixabiso ngenxa yokuba ukuba oovimba behlabathi nambalwa, yaye iimfuno zithi shwaka. amatye anqabileyo, ngokutsho iingcali, akhuselwe kwimiphumo kwamaxabiso kunye nokungazinzi kwezopolitiko. Abahlaziyi uchaze isicwangciso ezinikezelwa yi "Alfa-Bank", njengenye yezona elungeleleneyo ngokwemiqathango inzuzo kunye nozinzo-asethi eziphantsi kutyalo-mali yotyalo-mali.

nokuhlola inkqubo kunye nengxelo

Njengokuba kude njengoba bethembisa notyalo-sikhokelo "Alpha Finance"? Imibono evezwe kule mba bobabini nxaxheba kunye abahlalutyi zemali. Uqikelelo lwabemi nabameli basekuhlaleni ingcali lungohlulwa lube kwabo:

- iveze umgwebo malunga nethuba mali;

- zinxulumene umgangatho "Alfa-Bank" inkonzo ngokwemigqaliselo zonxibelelwano kunye nabaxumi zenkqubo;

- enxulumene novavanyo, enyanisweni, ingqiqo ecetywayo yi-credit nentlangano mali, ukuba ukujonga elithile kuyo.

Ke amathuba utyalo-mali, abemi ukuchaza inkqubo njengoko enomtsalane. Abaninzi bathi oko kuqwalaselwa inxaxheba kuwo, njengoko engundoqo indlela yokutsala imali, yaye ukongezelela, umzekelo, ukubekwa kwemali efakwa ebhankini, kuba inzuzo kule mali afanelekileyo efana naleyo oluphawula iidipozithi zemveli. Completely ezingafanelekanga, ngoko ukuthatha inxaxheba kwi "Alpha Finance" inkqubo credit - iirhafu zayo ziya kuba ngaphezu kwe kusenokwenzeka imbuyekezo yotyalo-mali.

umgangatho wenkonzo iziko elifanelekileyo ayivavanyi nabaxumi balo kakhulu kakuhle. Hotline "Alpha Finance" usebenza njengabemi bakholelwa ngokuchanekileyo. Akukhathaliseki ukuba brand mzi ekhoyo. Enyanisweni, esimi lwenkqubo ingqamana inkonzo, nto leyo isebenza ukuba baqale iprogram "Alpha Finance" ebhankini. BaseTaganrog, Voronezh, Yaroslavl - emizini, apho kukho lophawu, kunokwenzeka ukuba umtyali-mali. Umgangatho wenkonzo ngexesha elinye ukungaphithizeli inqanaba, nokuba kwendawo ngenene ebhankini. Ukuba umzi apho ummi lityale ngokuthatha inxaxheba kwi "Alpha Finance", - Voronezh, akukho ingxaki ekufumaneni ulwazi oluyimfuneko ngale nkqubo akayi kuvuka, kwakunye ekufumaneni umtyali-mali baseTaganrog okanye Yaroslavl. Ukuntsonkotha ingxelo kwakhona nobuntu ukuba unxibelelwano phakathi "Alfa-Bank" kunye nabathengi. Ukuba umntu ufuna ukubuza umbuzo ngale nkqubo, nto leyo yasekwa yibhanki "Alpha Finance", qhagamshelana ne-ofisi ekufutshane yeziko usoloko iyafumaneka kwi-intanethi.

Ukuthembeka njengesibakala ibalulekileyo

Ngokumalunga wovavanyo lwengqiqo ezinikezelwa yi "Alfa-Bank", abatyali mali kubonakala kakhulu ithemba. Zozaliso abahlaziyi ezininzi asethi ngokwenene ombutho okanye amatye anqabileyo kujongwa njengento ethembeke ngakumbi iindlela okuvelisa mali ngaphandle, nithi, urhwebo ezimalini. Stability imali kungase ezibabeka ukumelana gesi, esibonakala ngokuthi kuqaliswe inkqubo "Alpha Finance" ebhankini. Ubuyise mvume kunye naye, ngokutsho iingcali, nje ayikwazi ukuba, ngenxa yokuba uzinzo mali - phakathi kakhulu kangangoko kwimarike logcino ye-Russian Federation. "Alfa-Bank" - yenye yeebhanki ezinkulu Russian.