"SB Bank": liquidity matsaloli

"SB Bank" ko "SB Bank" liquidity matsaloli samu ganin an tare da sauran Rasha bankuna a marigayi 2014. Wannan lokaci ya ganiya da tattalin arziki da rikicin. A fall na ruble, da dakushe farashin man, m waje huldar cinikaiya, da kuma wasu dalilai sun rinjayi cikin shakka daga events.

A farko na aikin sanarwa

"SB Bank" al'amurran da suka shafi a cikin aikinsa fara jin ko da kuwa a gabãninsa akwai hukuma kalamai. Yana da aka Janairu 16, 2015 matsaloli da fuskantar da bashi ma'aikata, da aka yi jama'a. A gaskiya, na farko take hakkin dokokin aiki da ya faru a marigayi 2014. A lokacin wannan lokacin ya fara katsalandan a biya daga cikin hira irin. Aika kudi daga daya kudin zuwa wani asusun da aka kaddamar tare da wani babba da bata lokaci ba. Legal abokai fuskanci tare da kullum alherin lokacin da miƙa kudi. A halin da ake ciki da aka bayyana a matsayin sakamako na kamfanin ta gudanar a kan abokin ciniki aiki. A wannan kudi ma'aikata a "SB Bank" matsaloli ba ƙare a can. By karshen Janairu biyan kudaden da suka fara tsanani ƙuntata, da kuma biyan bashin da umarni aka jinkirta da kwanaki 2-3. The masana sun iya gyara matsalolin da gudanar da repo ma'amaloli.

resounding fall

A Disamba 1, 2014, lokacin da tattalin arziki imbalances a kasar ne kawai zuwa zafi sama, "SB Bank" cikin sharuddan} addarorin 80th wuri a cikin kasar. A cikin sharuddan ribar mallakar 22th matsayi a cikin ranking. A shekarar 2013, da kudi ma'aikata yana daga cikin 20 mafi yawan aiki aiki a cikin interbank kasuwar. Tun tsakiyar Janairu 2015, Standard & Poor ta kasa da kasa da hukumar sanya wani sabon rating. Status daga cikin ma'aikata da aka tsallake daga cikin "B" mataki "CCC", wanda za a iya fassara a matsayin wani pre-default matsayi. hasashen da aka yi, bisa ga abin da akwai wani babban Yiwuwar Central Bank baki a cikin ayyukan da ma'aikata.

A farko jita-jita, da kuma korau comments

"SB Bank" na matsalar ba zai iya ɓõyẽwa, da sake kama su abokan ciniki riga a farkon matakai na bayyanar. Matsalolin fara bayyana da karshen 2014, kamar yadda aka ambata a sama. Mutane da yawa abokan ciniki sun fara koka game da raguwa a cikin iyaka a kan overdraft, ciki har da tsohon maps. Akwai category mutane, akwai jinkiri na biya, wanda kamar yadda muka kusanci Sabuwar Shekara ya zama ƙara dogon. By tsakiyar Janairu fadi m da'awar da bankin saboda ƙi biya gudunmawar. Akwai sun kasance rahotanni a cikin abin da abokan ciniki ya bayyana cewa, kudi ma'aikata siddan musanya kwanan wata na samu daga biya zuwa banki. Don ɓoye gaskiya cewa "SB Bank" ba rike biya, ya kasa. Wannan tsokani wani karfi babban birnin kasar outflow da worsen da halin da ake ciki.

Babu damar warware matsaloli

Financial ma'aikata "SB Bank" liquidity matsaloli bai iya shirya a kan nasu. Tattara adibas daga yawan mutane a 16.4 biliyan rubles, Bankin kawai bai jimre da wajibai. Kamar yadda matsaloli bayyana inganta ba na mãkirci, kuma bankin management ba iya bayyana dalilan da abin da ke faruwa. A iyaka a kan bayar da kudi, wanda ya kamata ya zama wani wucin gadi gwargwado, sannu-sannu rage daga 100 zuwa dubu 50 rubles a rana. A sakamakon jinkiri a biya mutane fegen fafatawa da irin m yanayi, kamar yadda marigayi biyan haraji, jinkiri a biya a kan aro. Yanina Egorov, wanda ya yi aiki a matsayin shugaban kasa na kudi ma'aikata, a tsare ki yi sharhi a kan halin da ake ciki a karshen 2014. Ya jagoranci bankin tun shekara ta 2011 da kuma wuce iko, da kuma wurin da aka dauka ta hanyar Vasily Melnikov.

Abin da m halin da ake ciki?

"SB Bank" ba rike biya, ba biya adibas, shi ba ya gudanar da wani hira ayyukan - wadannan su ne kawai wasu daga cikin sakonni cewa sun zama harbingers na matsaloli da liquidity. A cewar counterparty bankuna da wani gagarumin tasiri a kan halin da ake ciki na revaluation na OFZ. A musamman, 16 Disamba OFZ, da biyan bashin da abin da aka shirya domin 2028, sun auku a farashin da 12.5 maki, wanda ya 53% na maras muhimmanci darajar.

OFZ balaga ya zo a Disamba 2019, ya ragu da 11.2 maki - game 65.1% na maras muhimmanci darajar. Bayani tushen kusa da jagoranci, ya bayyana cewa, adadin kudaden da cewa ya biya kudi ma'aikata Bank of Rasha ya wuce $ biliyan 2.

Yanayi da aka supplemented da wani karuwa a amfani rates, kiwon matakin na biyu a matsayin wani ɓangare na musayar, wanda ya haddasa wani rashin tabbaci. Za ka iya ƙara da cewa game da 12% na wajibobi na ma'aikata, daidai 10.2 biliyan rubles - ne da kudi tashe a cikin Central Bank.

Me tattalin arziki da rikicin a matsayin nuna a cikin banki ta ayyukan?

Sanannun ne da cewa bankin ya nuna a cikin kudi kansu na kasar kamar yadda "SB Bank" lasisi kwace saboda low liquidity. Mutane da yawa kafofin bayar da rahoton cewa wani ban mamaki tasiri a kan kudi ma'aikata a kan wani ɓangare na tattalin arziki aukuwa kubutar da yin amfani da bankin hadaddun makirci kudade, wanda aka halin da karfi dogara a kan repo ayyukan gudanar da Central Bank. Duk da kasancewar wani karfi liquidity matashi, da waje yanayi, kafa da karshen 2014, da wani matsayi a cikin abin da ya faru na jawo gaggawa matsaloli. Manazarta da masana yi a baya ya jadada da cewa ga kyautata na kudi don haka babu wanda zai dauki kan institute. "SB Bank" Rasha kawai ya tafi zuwa kasa, kazalika da yawa na da fafatawa a gasa.

da rikon gwamnati

Bayan wani lokaci bayan da ya faru a wani kudi ma'aikata a karkashin sunan "SB Bank" matsaloli tare da biya, da Bank of Rasha ya nada wani wucin gadi gwamnati. Wannan shawarar da aka dauka a kan Fabrairu 16, an kara kuzari da karbo daga cikin lasisi, ba da dama za su gudanar da kudi ma'amaloli. Daga farkon zamanin gabatarwar wucin gadi gwamnati akwai tsanani adawa na ayyukan. A cewar rahoton, da management kamfanin "SB Bank", don magance matsalar a kan nasu, kuma wanda ya kasa, ya ki canja wurin ainihin rance yarjejeniyar. Yana ƙoƙari ya hana damar yin amfani da rikon gwamnatin kwangila na biyu da kuma tabbacin karkashin aro basusuka na biyu doka abokai da kuma mutane. Wannan an gani kamar bayyanannu daga yunkurin karbo daga dukiya daga bankin.

Wannan hali sanya shi yiwuwa ba ne kawai zuwa da gamsuwa na bashi 'da'awar, amma kuma ya samu doka fanarite. A kimantawa da aikin kudi cibiyoyin "SB Bank" liquidity matsalolin da suke fi muhimmanci fiye da sa ran, girman da dukiya da aka kiyasta a 8.9 biliyan rubles, yayin da ƙara na wajibobi to bashi a cikin adadin 48 biliyan rubles.

take hakkin doka

Kafin soke dokar da lasisi da aka saukar ban sha'awa ayyuka na kungiyar "SB Bank". Abin da ya faru a cikin kudi ma'aikata, shi kasa fahimta saboda da samuwar kafa wajibai rajista. Lokacin da akwai matsaloli tare da solvency na kungiyar za'ayi da canji na da'awar da bashi a cikin tsari na son su aiwatar. Akwai ya kasance a tsaga ajiya zuwa size a cikin abin da shi yiwuwa a madadinsa ta hanyar biyan wata ajiya da inshora hukumar. Ayyuka na tsohon management da kuma masu na kungiyar da inuwa laifi aiki. Bayani game da su ne directed da Central Bank a cikin Janar m ta Office da kuma ministan cikin gidan kasar. Zan iya tabbatar da su da cewa da kudi ma'aikata da aka sani da "SB Bank", kwace lasisi da bin doka.

biya wa wadanda ke fama da

A cewar wani jami'in bayani na Agency ajiya da inshora biya zuwa tsohon ciniki tsarin "SB Bank" za a za'ayi a daidai da dokokin a lokacin daga Maris 1, 2015 na gaba shekara zuwa 2 ga watan Maris. Samun diyya za ta kasance a cikin Savings Bank, "VTB 24" kazalika "Opening" wakili banki hakkin a Khanty-Mansiysk Bank.

Bayan Maris 2, 2016 a kan ƙayyadaddu na biyan bayanai za a bayar a raba oda. Ramuwa da amfani ba kawai don diyya ga masu ajiya, amma kuma ga abokan ciniki da suka yi asusun a cikin ma'aikata. A duk bude asusun a tara adadin diyya ba zai wuce adadin da fiye da 1.4 miliyan rubles. A gaban counter-da'awar daga banki ga depositor na adadin za a deducted daga adadin diyya daidai da m dokokin na Deposit Insurance Agency.