Black mndandanda a mabanki Russian

Pa miyezi isanu ndi imodzi ya Russian banki m'dera chochititsa munthu kuyenda dzandidzandi: chimodzi mwa nkhani zikuluzikulu pa zokambirana anali mabanki amene ali blacklist lapansi. Kodi mndandanda zimenezi, ndipo likuoneka gulu kulowa mndandanda wa mtundu uwu?

Choyamba blacklist mabanki anaonekera pafupifupi 10 zapitazo, ndi m'chilimwe cha 2004. Ndiye Bank ku Central phunziro a magulu oyamba ake padziko lonse "oyera-mmwamba" wa banki zoweta kwa osewera oipa. Sasinthasintha pa blacklists maukonde ndinayamba kukhulupirirana mwagwirizana mu msika wa interbank kukongoza, zomwe zinachititsa kuti imfa ya liquidity ndi mabanki angapo ang'ono ndi sing'anga-kakulidwe. Chifukwa, mabungwe ataya ziphatso zawo, koma yang'anira akhoza kusunga vutoli ndi kuteteza chigumukire wa KUSOWA.

figment a m'maganizo

M'ma November 2013 anali yoweyula woyamba wa mbiri ndi kutineneza za polojekiti mabungwe ena ngongole. Mutu wa Bank chapakati Elvira Nabiullina pa zoyankhulana onse anatsutsa zimenezi, ndipo popanda kutopa, ine kubwereza, kuti yang'anira si chinkhoswe mu kukafola aliyense amasiya-mndandanda. Zomwezo amagawidwa mwa Association of Russian Banks, sanafune kuvomereza kuti kuli blacklists.

Maonekedwe a mudziwe amenewa Bank chapakati utsogoleri ndi ARB anafotokoza mfundo za mpikisano mokondera mu gawo la banki, yankho zotheka ya makasitomala akuluakulu a mabanki kuchititsa ntchito pa ndalama mwachinyengo, komanso chilakolako cha ena borrowers lalikulu kusabweza ngongole yaikulu pambuyo revocation wa ziphatso kwa iwo anayesetsa.

Zima 2014: a nthawi yosiya mabanki

Kulimbikitsa zidapatsa zotsatira zina, koma ambiri a ku Russia m'mawa uliwonse anayamba kupeza nkhani yomwe mabanki ndi mu mndandanda wakuda zikuphatikizapo tsiku panopa. Ngakhale panopa dongosolo gawo inshuwalansi, ena ndalama anasankha kuti mupewe ndalama zawo ku mabungwe zingakhale mabvuto. Atsogoleri a makampani ndi nkhani ku mabanki, atagwidwa mu m'mabuku kulengeza komanso ankakonda tikuona kwa iwo ndalama.

Posakhalitsa, osunga ndalama zambiri, kukumbukira wotchuka kuti ndalama amakonda chete, anasiya ndemanga pa nkhani ya blacklists. Ngati atolankhani anatha kupeza nkhani imeneyi, wakhala woumira kwambiri ndi kosagwirizana.

Total akatswiri apamwamba zochepa mawu chakale: "Live - onani". Makamaka, atolankhani mlembi wa "SMP Bank" Igor Ilyukhin mu kuyankhulana ndi "Bankir.ru" anati kuti iye mwini ali 3 blacklists, zomwe zimaimbidwa, kuphatikizapo bungwe ndi chiphaso cha № 1481, kutanthauza kuti, "Sberbank Russia. "

A pang'ono za kulondola mfundo

Tikumbukenso kuti ena mwa gombe zalembedwa mu mndandanda wakuda, ndiye moona ataya chilolezo chake. Mmodzi mndandanda ngati munali 48 mabungwe, linasindikizidwa December 4, 2013. Kuyambira pano mpaka mapeto a chigawo choyamba cha 2014 anathetsedwa ziphatso a mabanki 12 amene anali pa mndandandawo. Pakati pa "mwadzidzidzi akufa":

• December 2013 - "Project ndalama Bank", "ndalama kubanki", "mlongoti-Bank", "Smolensk", "Askold".
• January 2014 - "Bank wanga".
• February 2014 - "Link-Bank", "Eurotrust".
• March 2014 - "Russian Land Bank", "Monolith", "Sovincom", "mphamvu malonda".

Choncho, zokhudza zinthu ndalama ndi kuthekera chilolezo revocation kwa kotala mabungwe ngongole kwa blacklist inatsimikizira okha kwa miyezi inayi. N'zotheka kuti zatchulidwazi wakuda mndandanda a mabanki Russian anapangidwa pamaziko a zambiri Insider kupezeka kwa olemba ake. N'zotheka kuti anali chifukwa cha kusanthula mozama zowonetsera mabungwe makumi asanu ngongole zoweta. Pankhaniyi, munthu yekha amasirira buku la ntchito anachita ndi zotuluka pa anapezazo lapansi.

Organization phwandolo a mabanki ...

CB (mkati Chilamulo Federal № 86 FZ) imayang'anira mabanki, chuma ndi ngongole mosaleka malamulo, ndipo amalondola wotuluka Muzisamala wa bungwe ndi makasitomala ake. Malinga ndi zofunikira za yang'anira anatumiza kwa mabanki onse Bank ku Central limanena wotuluka, ndipo kutero m'njira yake ndipo pa maziko wokhalitsa.

Bank ku Central zonse limafufuza mabungwe onse ngongole. Komanso, kuyendera mabuku a banki yense adzakhala osachepera 1 nthawi mu zaka 3. Pa oyenera amayang'anitsitsa kukula ndiponso dongosolo la chuma ndi ngongole ya bungwe ngongole, zinthu zapadera zomwe bata ake. Kuwonjezera zovuta, komabe palinso chiphasochi thematic, nthawi zina zimachitika kangapo pa chaka.

Kuwonjezera mabwana, "Bank ku Central", "Financial Kuwunika" - mu chimango cha kukhazikitsa zofunika za Chilamulo 115-FZ - amalandira tsiku ku mabanki zikwizikwi mauthenga za ntchito kopitirira iwo, akhoza kuvala zokayikitsa. Si bwino cholinga chimene muti milu onsewa zambiri, ngati si zina amalimbikitsa kukhazikitsidwa kwa njira chokwanira cha mabungwe ngongole zimene zimaipitsa zofunikira za malamulo.

... ndi zotsatira zake

Pali maganizo kuti mabanki amene amagwa mu mndandanda wakuda, pa zifukwa zosiyanasiyana ali Bank ku Central pansi pa ulamuliro wapadera. Ndithudi, malo ndalama iliyonse banki kuti tithetse akatswiri ndi momveka bwino ndiponso yomveka. Pamene izi sizotheka kwa kanthawi kochepa kusintha mu njira iliyonse yaikulu. N'zotheka kuti, pamaziko a zimene timaphunzira Bank ku Central mwina kulenga wakuda anu mndandanda wa mabanki, zomwe kawirikawiri kupeza gulu afunika kulimbitsa akuwayang'anira.

Bank ku Central ali osiyanasiyana zipangizo zovuta, zomwe zimathandiza kupititsa patsogolo ntchito za bungwe ngongole ndi kuteteza bankirapuse ake, ndi revocation chiphatsocho wa banki - ichi ndi muyeso poipa kwambiri. Choncho, nkhani iliyonse amenewa ndi chilema kwa akatswiri a maboma dera lawo, "Bank ku Central".

Chifukwa, ndi zifukwa zimene zinachititsa revocation wa ziphatso ambiri a mabanki, Bank ku Central am'tchula kupereka mawu onyenga, ochita yayenda mfundo ngongole, komanso sanali kukwaniritsidwa kwa malamulo lolamulira ntchito zawo.

Pazikhala sizimadziwika zochita za depositors

Tikumbukenso kuti ambiri kulengeza blacklist a mabanki (mu 2014), chikuoneka kumatheka mpikisano kuponderezedwa. Makamaka, ndodo ya ena a mabungwe kutsogolera ngongole analimbikitsa ogula kusamutsa ndalama ku mabanki kuti ankati zili pa mndandanda chiphatso revocation.

The kusafuna yang'anira kuyankha funso mmene kupeza mndandanda wakuda a mabanki, komanso kusowa mfundo zokhudza zinthu zenizeni za mabungwe ngongole agwera izo, zinachititsa kuti kusintha kwakukulu kwa miyala ya nzika za mabanki ndi nawo boma. Only kwa IV kotala cha 2013 buku la miyala ya nzika mu "Ndalama Bank" chinawonjezeka ndi 7,8% mu banki "VTB" - by 4.7%.

Kufunika i kuwunika

Anali kumeneko mabanki mwachindunji mu wakuda mndandanda wa Bank ku Central, kapena anauziridwa ndi kampani ina mwa chilolezo msika ku mpikisano, tsopano si kofunika. Koma pa kukhazikitsidwa kwa mndandanda "woyera" wakhala analengeza mwalamulo.

Kumapeto kwa 2013 Bank ku Central zachitika akugwirizana ndi zimene kudzayesedwa otchedwa mabanki systemically zofunika. i waukulu akufuna monga miyeso ya chuma ntchito interbank msika (payokha - monga wokongoza ndipo wobwereka) ndi buku la madipoziti payekha.

Pamaziko a zolozerazi chimaonetsedwa Pamudzi "mwachidule chifukwa cha" mtengo wa zimene zikusonyeza mlingo wa kufunika wa banki a dongosolo Russian kubanki. Mndandanda wa pachaka akuphatikizapo mabungwe ngongole amene "kaphatikizidwe chifukwa" kuposa 0,6.

"White" mndandanda

The khama lalikulu malo mndandanda wa mabungwe systemically zofunika ngongole ndi boma akumeneko mabanki: Ndalama Bank, "VTB", "ulimi Bank", "Gazprombank" ndi ena. mndandandawo kupeza zazikulu mabanki payekha, monga "Alfa-Bank", "PSB", "NOMOS Bank", "Bank of Moscow". N'zoonekeratu kuti pamaso pa mndandanda "woyera" mosavuta mwayi bungwe ngongole ndalama boma, makamaka Bank chapakati cha ngongole ndi mbali mu amagulitsa nsombazo pa ufulu mwamantha ndi miyala ya boma akumeneko ndi boma akumeneko mabungwe.

Komano, kulowa mndandandawu ndi mwai chidwi ntchito yopitilira kulamulira. Akukhulupirira kuti ena mabanki payekha kuchepetsa chiwerengero cha bizinesi, kuti nditalikane ndi chidwi kwambiri a Bank wa Central.

amafuna watsopano kudalirika kwa mabanki, ntchito ndi ndalama boma

Kumapeto kwa March chaka chino zinadziwika kuti Utumiki Finance ndi boma la Chitaganya cha Russia akufuna kubwereza mndandanda a mabanki amene mabungwe a boma adzaloledwe m'tsogolo kuika ndalama zawo. Malinga polojekiti anayamba "Bank of Russia", makampani boma akumeneko adzatha ikani mongoyembekezera ufulu ndalama zokha mabungwe amenewa, amene nthawi yaitali mlingo si chozama kupitirira BBB (by fitch kapena Standard & Osauka a Baibulo) kapena Baa3 (malinga Moody) mogwirizana ndi mawu a madipoziti anayikidwa.

osunga ndalama Russian anachita luso opanda chidwi, powona mmenemo kampani ina ndi cholinga kudzaza zosavomerezeka wakuda mndandanda a mabanki ndi mabungwe ngongole, chifukwa ena alibe mavoti ku mabungwe awa. Maganizo onse a m'deralo banki m'kukoma kuyankhulana ndi nyuzipepala "Izvestia" woimira FBK Roma Konigsberg. Malinga ndi iye, lingaliro la kaikidwe ka ndalama za boma ku mabanki odalirika wonse ndi phokoso ndi zolondola, koma ntchito masanjidwe mayiko monga muyezo chachikulu kuwunika mwachuluka moot.

Features masanjidwe

Yaitali mlingo mabungwe amene amapanga "chachikulu atatu" ali 78 mabanki zoweta. Komanso, mavoti lonse zimadalira m'maganizo, iwo kunadetsa kuganizira zinthu mfundo yachilendo, osati zinthu zenizenizo kosamalira ngongole. Agency - pansi mavuto nyumba zina Western - Mwina nthawi iliyonse kutapa pa mlingo awoawo, amene adzachititsa mavuto ndithu kwa mabanki Russian nawo mapulogalamu boma.

Anakonza kumangika zofunika mabungwe ngongole mlingo ayenera kukhala ndi kuchepetsa chiwerengero cha amagulitsa nsombazo ophunzira gawo za theka. Amanenera Katswiri, kuti amagulitsa nsombazo ngati kenako analola za mabanki dazeni atatu. Zikuonekeratu kuti mabungwe amene achita inathetsedwa pa mpikisano chuma boma, basi zopanda latsopano "wakuda mndandanda wa 2014 mabanki".

Kodi yotsatira?

Kotala chachiwiri cha 2014, akatswiri kulosera, mlingo wa "kuyeretsedwa" malonda a banki kutha pang'ono, koma ntchito pa chizindikiritso cha mabungwe mabvuto adzapitiriza. Mwachitsanzo, April 17 anataya ziphatso awo wina 2 dera mabanki: Dagestan "Caspian" ndi Bashkir "AF Bank". Tikumbukenso kuti awa mabungwe ngongole sanali m'gulu la wakuda mndandanda a mabanki, chifukwa iwo anali otsika malo mu kusanja, ndi mavuto chachikulu iwo ayamba yekha mu 2014. Amanenera Katswiri, mu 2014 adzautaya ziphatso zawo za mabanki makumi asanu.