Black list na Rasha bankuna

A cikin shekaru shida watanni da Rasha banki al'umma reeling: daya daga cikin manyan batutuwa na tattaunawa sun bankunan da suke a kan blacklist. Menene wannan jerin, da kuma abin da ya razana kungiyar daga shiga cikin jerin irin wannan?

Da farko blacklist bankuna bayyana kusan 10 da suka wuce, da kuma a lokacin rani na 2004. Sai Central Bank gudanar da daya daga cikin na farko da kamfanoni a duniya "tsabta-up" na cikin gida da banki daga unscrupulous 'yan wasa. Kekunan a kan hanyar sadarwa blacklists kara juna shakka a cikin kasuwar na interbank rance, wanda ya haifar da asarar liquidity da dama kananan da kuma matsakaici-sized bankuna. A sakamakon haka, da dama kungiyoyi suka rasa lasisi, amma kayyadewa ya iya ci gaba da halin da ake ciki a karkashin iko da kuma hana wani ambaliyar ruwa na bankruptcies.

figment na kwatanci

A tsakiyar watan Nuwamba 2013 ne na farko da kalaman na jita-jita, da kuma innuendo game da dorewa na wasu bashi cibiyoyin. The shugaban Babban Bankin Elvira Nabiullina a lokacin duk wata hira karyata wannan bayani, kuma ba tare da samun gaji, na maimaita, cewa kayyadewa ba tsunduma a jawo sama da wani tasha-lists. A wannan wuri ne shared da Association of Rasha Banks, ki gane da wanzuwar blacklists.

Bayyanar da irin wannan bayanai da Central Bank jagoranci da kuma ARB bayyana facts na m gasar a cikin bankuna, wani yiwu mayar da martani a kan wani ɓangare na manyan abokan ciniki na bankuna gudanar da ayyukan a kan kudin haram, kazalika da bege na wasu manyan bashi kada ku rama manyan rance bayan soke dokar da lasisi su ne a Kanmu.

Winter 2014: a lokacin da za a rasa bankuna

Advocacy bada wasu sakamako, amma mafi yawan Russia kowace safiya ya fara da gano bayani game da bankuna ne a cikin baki jerin hada da na yanzu kwanan wata. Duk da yanzu ajiya da inshora tsarin, wasu masu zuba jari ya zaɓi ya janye tanadi daga yiwuwar matsala kungiyoyi. Shugabannin kamfanonin da asusun a bankuna, kama a cikin jama'ar lists ma fi son zuwa kacokan daga gare su da kudi.

Ba da da ewa, da yawa ma'aji, ƙarfafu da wani sanannen cewa kudi likes shiru, tsaya yi sharhi a kan topic na blacklists. Idan 'yan jarida sun iya samu bayani a kan wannan al'amari, shi ya kasance mai yin rõwa, kuma saba.

Total rhetoric kwararru an rage zuwa gargajiya magana: "Live - gani". A musamman, latsa sakataren "SMP Bank" Igor Ilyukhin a wata hira da "Bankir.ru" ce cewa shi da kansa ya na da 3 blacklists, wanda featured, ciki har da kungiyar da kuma tare da lasisi № 1481, da cewa shi ne, "Sberbank Rasha. "

A kadan game da gaskiyar bayanai

Ya kamata a lura cewa wasu daga cikin bankunan da aka jera a cikin baki jerin, to, lalle ne sun rasa ta lasisi. Wata irin wannan lists dauke da 48 da kungiyoyin, da aka buga Disamba 4, 2013. Daga yanzu har zuwa karshen na farko kwata na 2014 da aka kwace lasisin na 12 bankunan da suke a kan jerin. Daga cikin "untimely marigayin":

• Disamba 2013 - "Project a gudanar da bankin", "zuba jari banki", "Mast-Bank", "Smolensk", "Askold".
• Janairu 2014 - "My Bank".
• Fabrairu 2014 - "Link-Bank", "Eurotrust".
• Maris 2014 - "Rasha Land Bank", "Monolith", "Sovincom", "makamashi kasuwanci".

Saboda haka, bayani game da mummunan halin da ake ciki kudi da kuma yiwuwar lasisi soke dokar domin kwata na bashi cibiyoyin daga blacklist tabbatar kawai ga watã huɗu. Yana yiwuwa cewa waccan mujalla da muka baki jerin Rasha bankunan da aka sanya a kan tushen da Insider bayanai samuwa ta zuwa ga marubuta. Yana yiwuwa cewa shi ne sakamakon cikakken bincike na babban Manuniya hamsin m bashi cibiyoyin. A wannan yanayin, wanda zai iya kawai sha'awan ƙara na aikin yi da kuma inganci na binciken.

Organization of dubawa na bankuna ...

CB (a cikin tarayya Dokar № 86-FZ) kula da bankunan, su gudana kudi da kuma bashi siyasa, da kuma tracks m ma'amaloli daga cikin kungiyar da kuma abokan ciniki. A daidai da bukatun na kayyadewa aika zuwa ga dukan bankuna a Central Bank rahoton a kan ma'amaloli, kuma suka aikata haka a dace hanya da kuma a kan wani ci gaba da akai.

Babban Bankin kullum jami'in dake duba yawan duk bashi cibiyoyin. Bugu da ƙari, wata m dubawa na wani banki za su zama ba kasa da 1 lokaci a shekaru 3. A wannan dubawa a hankali nazarin size da kuma tsarin da dukiya da wajibobi na bashi ma'aikata, musamman abubuwan da fahince ta tabbata. Bugu da kari a hadaddun, duk da haka akwai kuma thematic dubawa, wanda wani lokacin auku sau da yawa a shekara.

Bugu da kari to dubawa, "Babban Bankin", "Financial Kulawa" - a cikin tsarin na aiwatar da bukatun na Dokar 115-FZ - na'am da kullum daga bankuna dubban sakonni game da gudana yadda ake gudanar da su, iya sa m. Shi ne ba a bayyana abin da manufar suna faruwa ga dukkan wadannan tara na bayanai, idan ba kara inganta tallafi na isasshen matakan for bashi cibiyoyin cewa karya bukatun da dokokin.

... da kuma ta sakamakon

Akwai hasashe cewa bankuna da cewa fada cikin baki jerin, domin dalilai daban-daban ne a Babban Bankin karkashin musamman iko. Lalle ne, da kudi wuri na kowane banki ne don sarrafa kwararru sarari yake kuma m. Lokacin da wannan ba zai yiwu a gajeren lokaci canza a wani gagarumin hanya. Yana yiwuwa, a kan tushen da bayanai samu Babban Bankin zai iya da kyau haifar da ka black list na bankuna, wanda yawanci samu cikin kungiyar na bukatar karfafa su dubawa.

Babban Bankin yana da wani kewayon kayan aikin hadaddun, wanda taimaka wajen inganta yi na bashi ma'aikata da kuma su hana ta fatarar, da kuma soke dokar da banki lasisi - wannan shi ne mafi muni, wãtau gwargwado. Saboda haka, kowace irin wannan hali ne aibi na masana na yankin gwamnatocin, "Babban Bankin".

A sakamakon haka, da manyan dalilan da suka samu a soke dokar da lasisi na mafi yawan bankuna, da Babban Bankin kira da samar da ƙarya kalamai, dauke da fitar high-hadarin bashi siyasa, kazalika da ba-Cikar dokokin hukumar ayyukan.

Hasashen unpredictable ayyuka na ajiyar

Ya kamata a lura da cewa yadu da jama'ar blacklist na bankuna (a 2014), ta bayyanar inganta da m gasar. A musamman, da ma'aikatan wasu daga cikin manyan bashi cibiyoyin bukaci da abokan ciniki don canja wurin kudi daga bankunan da ake zargin suna located in a kan lasisi soke dokar lists.

A rashin so kayyadewa amsa tambaya na yadda za a sami baki jerin bankunan, kazalika da rashin abin dogara bayanai game da ainihin halin da ake ciki na bashi cibiyoyin sun auku a cikin shi, ya jagoranci wani m canja wuri da adibas na 'yan kasa a cikin bankunan da jihar hallara. Kawai ga IV kwata na 2013 da girma na adibas na 'yan kasa a cikin "Savings Bank" ya karu da 7.8% a cikin banki "VTB" - by 4.7%.

Muhimmancin kimantawa sharudda

Sun akwai wani takamaiman bankuna a baki jerin Babban Bankin, ko shi da aka yi wahayi zuwa da wani kamfanin da kasuwar yarda daga gasar, a yanzu ba haka ba ne mai muhimmanci. Amma a kan kafa "fari" list an sanar a hukumance.

A karshen shekarar 2013 Babban Bankin ya ci gaba da sharudda cewa za a ƙaddara da ake kira systemically muhimmanci bankuna. Babban sharudda samarwa a matsayin girma da dukiya a cikin interbank kasuwar aiki (dabam - kamar yadda mai ba da bashi da kuma yadda borrower) da kuma girma na zaman adibas.

Bisa ga wadannan Manuniya an nuna shiri "rungumar sakamakon" darajar wanda ya nuna mataki na muhimmancin da banki domin Rasha banki tsarin. A shekara-shekara jerin zai hada da wadanda bashi cibiyoyin wanda "kira sakamakon" ya wuce 0.6.

"White" list

Babban contenders for wani wuri a cikin jerin systemically muhimmanci bashi cibiyoyin ne mallakar gwamnati bankunan: Savings Bank, "VTB", "aikin gona Bank", "Gazprombank" da sauransu. Jerin iya samun irin wannan babbar zaman kansa bankuna, kamar yadda "Alfa-Bank", "PSB", "NOMOS Bank", "Bank of Moscow". Babu shakka cewa gaban "fari" list sa ya fi sauƙi ga bashi ma'aikata damar zuwa jihar albarkatu, musamman da Central Bank for rance da kuma sa hannu a cikin auctions for da hakkin ya karbi bakuncin adibas na mallakar gwamnati da kuma mallakar gwamnati hukumomi.

A daya hannun, samun shiga wannan jerin ne karin da hankali ga gudana iko ayyukan. An yi imani da cewa wasu masu zaman kansu bankuna za su rage yawan kasuwanci ayyukan, don samun tafi daga ma da yawa da hankali na Central Bank.

New bukatun ga AMINCI bankuna, aiki tare da bayyana kudi

A karshen watan Maris na wannan shekara da ya zama sananne cewa ma'aikatar kudi da kuma gwamnatin na Rasha Federation nufin sake duba jerin bankuna a wadda jihar hukumomi za a yarda a nan gaba su sanya su kudi. Bisa ga aikin raya "Bank of Rasha", mallakar gwamnati da kamfanoni za su iya sanya a dan lokaci free kudi kawai a cikin wadanda kungiyoyin, wanda tsawon lokaci rating ba m fiye da BBB (ta Fitch ko Standard & Poor ta version) ko Baa3 (bisa ga Moody ta) daidai da sharuddan da sanya adibas.

Rasha bankers ya mayar da martani ga bidi'a ba tare da sha'awa, tun da a cikinsa wani kamfanin da nufin cika unofficial baki jerin bankunan da bashi cibiyoyin, saboda wasu dalilai ba su da ratings daga wadannan hukumomin. A janar ra'ayi na banki al'umma bayyana a cikin wata hira da jaridar "Izvestia" wakilin FBK Roman Konigsberg. A cewar shi, da ra'ayin da jeri na kudin jama'a a cikin m bankuna, a matsayin dukan shi ne sauti da kuma daidai ne, amma yin amfani da kasa da kasa martaba da primary kimantawa rarrabẽwa ne sun fi mayar moot.

Features martaba

Dogon lokacin da rating hukumomin da cewa yin up cikin "babban uku", kawai yana da 78 gida da bankuna. Haka kuma, kasa da kasa ratings ne sun fi mayar da kayadadden, suka ƙara la'akari da kasashen waje da manufofin halin da ake ciki, maimakon ainihin halin da ake ciki a bashi ma'aikata. Agency - karkashin matsin da wasu Yammacin Tsarin - iya a kowane lokaci janye ratings sanya musu, wadda za ta sa babba matsaloli ga Rasha bankuna musharaka a jihar shirye-shirye.

Shirya tightening bukatun ga bashi rating kungiyoyi ne zai haifar da wani raguwa a yawan mahalarta ajiya auctions game da rabi. A cewar wasu masana suka kiyasta, to irin wannan auctions za ta ƙarshe za a yarda game da uku dozin bankuna. A fili yake cewa kungiyoyi da cewa an shafe ta daga gasar for jiha albarkatun, ta atomatik adadin zuwa wani sabon "black list of 2014 bankuna".

Abin da ke gaba?

A karo na biyu da kwata na 2014, masana hango ko hasashen, da kudi na "tsarkakewa" na harkar banki kasuwar ki karbar dan kadan, amma aikin a kan katin shaida na matsala kungiyoyi za su ci gaba. Alal misali, Afrilu 17 sun rasa lasisin wani 2 yankin bankunan: Dagestan "Caspian" da kuma Bashkir "AF Bank". Ya kamata a lura da cewa wadannan bashi cibiyoyin ba kunshe a cikin baki jerin bankunan, domin sun dauki low tabo a cikin ranking, da kuma babban matsaloli sun fara kawai a 2014. A cewar wasu masana suka kiyasta, a 2014 za su rasa lasisin game da hamsin da bankuna.