Recapitalization - izo ... Amachita recapitalization a mabanki

Bank kulenga thumba kuti akhoza zimatsimikizira kukhazikika kwake ndalama ndi ntchito udindo mu mwambo mavuto. Voliyumu ya ndalama mwini ayenera kupitiliza mtengo muyezo likulu adequacy chiŵerengero. Yotsirizira ndi mtundu wa makasitomala inshuwalansi. Izo zikusonyeza kuti kubanki ndi chidwi ntchito bwinobwino mu msika. Ndipotu, ngati ma sheya hoda pakuika ndalama zawo, izo amatitsimikizira kuti iwo mafanowo mosamala chifukwa panonso. Koma ndi kuwonongeka lakuthwa mu khalidwe la ngongole mbiri likulu adequacy chiŵerengero angafikire malire. Pankhaniyi, banki mavuto kutaya chilolezo cha.

kuchoka

Pofuna kupewa vuto yovuta, Bank ku Central ndi kutenga njira ziziyenda mkhalidwe wachuma wa bungwe. Zina capitalization - ndi makonzedwe ndi Bank of Russia kuti mabungwe ngongole subordinated ngongole. Iye ali gawo la zina ndalama. Izi zikutanthauza kuti ngati bankirapuse, ngongole kwa Bank ku Central adzakhala anaphedwa lomaliza. Chilamulo amayesedwa ndi mlingo wa kuti mbali ya boma mu ndondomekoyi. ngongole otere mopepuka ayi, mwa Agency inshuwalansi gawo (okayikitsa) mu mawonekedwe a nsinga kumangidwa feduro ngongole (OFZ). A njira imeneyi ntchito, ndi chuma mavuto mu 2008 chaka.

yaposachedwapa

Mu December 2014 Pulezidenti Russian anasaina lamulo capitalization zina za mabanki okwana thililiyoni 1 rubles. Mndandanda wa "mwayi" okayikitsa lofalitsidwa mu February 2015. Ngongole udzaperekedwa osati mwa BFL, komanso ochiritsira subordinated ngongole. Izi zidzathandiza ACB kuthetsa nkhani ya capitalization a mabanki. Zophwanya ayenera kugonjera 01/06/2015 anavomera kukhala kudzipereka ndi Agency ndi Bank ku Central - losamalira zofunika zenizeni za m'banja.

zikhalidwe

The Bank adzakhala m'miyezi 36 chinawonjezeka ndi oposa 1% buku la ngongole kubweza, ngongole kwa mabizinesi ang'onoang'ono ndi sing'anga-kakulidwe. Ndi zotheka zosinthika wa utuluke ndalama mu malangizo a Boma wofunika kwambiri chuma. Chinthu chinanso kuonjezera gawo likulu ndi 50% ya ndalama analandira kuchokera phindu kapena ndalama za ma sheya hoda. Magombe mu miyezi 36 lotsatira sangathe kuukitsa malipiro kwa ogwira ntchito. Chinthu yamasika mokulirapo ndipo zimaletsa chitsogozo kuchokera kusankha mbali mu pulogalamuyi. Recapitalization - ichi thandizo, limene likupezeka zinthu amphamvu kwambiri.

Akamanena za ndondomekoyi

Pakuti mafakitale wa chuma kumafuna yokulirapo kulowetsedwa mphamvu ya boma. Mphamvu ya ndalama zakunja ayenera okha. Banks ayenera apereke chandamale lalikulu ndi ngongole. Izi mwina umalimbana recapitalization. bungwe salandira "moyo" ndalama, ndi OFZ. Pa nthawi yomweyo iye kuti akope kuchuluka ofanana paokha. Pezani yekha kotala kuchuluka alipo ndalama, amene nawonso, sayenera upambana rubles biliyoni 25. Ndiko kuti, zina capitalization - muyeso wa mphamvu mabanki dera kuti akhoza zingakhale kutenga malo amphamvu pa msika ndi kukhala paokha. Izi zikutsimikiziridwa ndi mfundo za pulogalamu: gulu liyenera kukhala mwezi kuwonjezeka ngongole mbiri ndi 1% kapena zambiri.

zinachitikira lonse

Vuto la 2009 yasonyeza mtima kwa njira. Ndiye boma la United States wapereka lipange madola kubwezeretsa chikhalidwe cha ndalama mabungwe ngongole popanda ziletso iliyonse. zaka 4 Patapita Bank European ndalama mabungwe Greek wokwanira mayuro 50 biliyoni. Pambuyo olimba a zinthu ndi Investor amalandira ukonde phindu mabungwe. Ndicho chifukwa chake kuli kofunika kuti ngati wotsiriza unali boma.

Voliyumu ya ndalama zokha mabungwe ngongole utachepa chifukwa malamulo a Bank ku Central kupanga nkhokwe. Gawo la ndalama imapezeka pa pepala: overpriced Os, zipangizo, nyumba ndi chuma china chimene sangathe ntchito monga magwero a ndalama. Kulamulira zinthu, Bank ku Central amakhazikitsa mfundo zapadera ndi macheke kuwona ngati bungwe mwayi likulu.

Kuti tichite zimenezi, mayesero maganizo ikuchitikira. kusanthula chiopsezo akatswiri akatunge, monga njira zovuta zachuma zingakhudze m'banja. Akuti ngati cheke ayenera kutenga malo pa maziko miyezi itatu iliyonse. Mu Ukraine, ndi nthawi yotsiriza zinachitikadi pa pempho la IMF mu 2014. Kenako akatswiri akuwerengedwanso ngati likulu awalandira ngati outflow wa madipoziti ndi kukula kwa ngongole. Malinga ndi zotsatira za mayeso anaganiza capitalization.

Pa chiyembekezo cha chitukuko cha msika kubweza

Utumiki wa Finance amafuna kuti mabanki adzatha kuonjezera buku la tikukongoza malo ndi 15%. Cholinga china, umene recapitalization. Kodi zikutanthauza chiyani? Banks sadzatha kugwiritsa ntchito ndalama zogulira ndalama, monga chinachitika mu 2008. Uwu ndiye uthenga wabwino. Koma kuonjezera kukongoza kuti chofunika kudzakhala kovuta kwambiri. Kodi ndi kuchepetsa chiwongola dzanja ndi kutenga nawo mbali pankhani ya. Tikugwirizana kwa izi, osati mabungwe onse. Popeza kuchuluka likulu - ndi zaufulu ndi "VTB 24" ndi "Rosbank" wakana nawo mbali mu pulogalamuyi, kukangana chakuti iwo ndi phindu zokwanira.

Pa ogula angathe kufooketsedwa ndi zifukwa zambiri: zinthu pangongole, kukwera nyumba mitengo kudalira ndalama khola. The kuchepa pang'ono mlingo akhoza kuchepetsa ndi zolipira zina mwezi. Ndi chibvuto muyeso oterowo zingawonjezere kufunika kwa utumiki uwu. Zanyumba pa mitengo otsika chidwi angathe apereke yekha borrowers anthu mbiri wangwiro ngongole. Bank Zimenezi ndi wolungamitsidwa. Ndipo pambali, aliyense wobwereka otsimikiza kuti solvency ake sakhala poipa mu zaka 10-15.

Akatswiri kuneneratu kuti ziyende bwino za kuwonjezeka likulu zidzapangitsa kuti mitengo m'munsi, kuchuluka mu gawo la "chuma", imene gawo la wotuluka kubweza ndi 80%. Anthu ndi funso kugula nyumba ndi pachimake, muzigwiritsa ntchito kuchepa yaing'ono peresenti. The zina ogula kwambiri mwina kudikira atasintha mu mtengo wa ngongole. Cholowa cha wotuluka kubweza mu gawo umafunika, kawirikawiri kuposa 20%. Choncho, mlingo kusintha n'zokayikitsa zimakhudza akumufuna. Ambiri ogula la malo kulipira pang'onopang'ono zinthu payekha.

Bank recapitalization: muyenera kudziwa depositor

1. Izi muyeso ntchito kuonjezera chuma kapena kuphimba zomvetsa. The Mlengi wa ma sheya hoda mwina kutumikira ndondomeko. Pankhaniyi tikulankhula za kulera ndalama ngongole watsopano.

2. Kukhalapo mavuto kubanki sizikutanthauza kuti ayenera ndalama. Mwina Bank ku Central ndikusinthidwa mfundo, ndi bungwe ngongole sikokwanira phindu anapeza kuchokera zaka zam'mbuyo kuti tikwaniritse mipherezero ndi. Ngakhale recapitalization a mabanki Chiyukireniya 2014 udaikidwa kuphimba zomvetsa.

3. Choyamba, kukhazikitsidwa apilo kwa ma sheya hoda. Ngati sanatha ndalama bungwe, kuyamba kufufuza ndalama kunja. Lamulo capitalization zina za mabanki amafuna kuti kusintha zonse mwa likulu ovomerezeka ayenera mayina ndi Bank wa Central. Pambuyo depositing ndalama chifukwa ndi lingagwiritsidwe ntchito ngati kalembera wina aliyense.

4. Ngati kukopa ngongole likulu sikunali kotheka kuti kuphimba zomvetsa, banki ayenera kapena kuzimitsa voliyumu ya malonda, kapena lithe.

5. capitalization zina - umboni, osati lamulo. Kuwonjezeka likulu sathandiza pa mwanzeru ndalama za bungwe. Ngati ma sheya hoda ndi kenakake, ndiye ndalama angagwiritsidwe ntchito kubwezeretsanso mbiri ngongole. Pankhaniyi, n'kutheka kuti patapita kanthawi, bungwe kamodzinso uka kufunika chithandizo.

Pomaliza

Imodzi mwa njira zomwe zingagwiritsidwe ntchito ziziyenda mkhalidwe wachuma wa mabungwe ngongole - Capital Chulukitsani. Ndi chiyani icho? Kupereka chithandizo kwa banki kwa ma sheya hoda ndi Bank ku Central kapena mabungwe ena padziko lonse. Pulezidenti Russian kumapeto 2014 zinasaina malamulo pansi 27 mabungwe dera tingawadziwe ndi subordinated ngongole. Koma pofuna pang'ono, chifukwa zikhalidwe za ngongole ndi okhwima kwambiri.