Ndi konzanso za mabanki chiyani? Bank kuvomereza: zoyenera kuchita kuti depositors

Mu 2013 - 2014 zaka zambiri Russian mabanki Bank ku Central lakana chilolezo cha. Zimenezi anachititsa mantha pakati depositors, komanso kugunda mabungwe ena ngongole. Makasitomala anayamba kutenga ndalama ku mtendere ndalama mabanki. Kwa nthawi yoyamba mu nthawi yaitali, mawu adawomba mokweza kwambiri "ziŵalo." Kodi zikutanthauzanji ndondomeko kupulumutsidwa ngongole ndi mabungwe a boma? M'nkhani limeneli muphunzira zimene ziŵalo mabanki.

tanthauzo

Zogwiritsira njira umalimbana kubwezeretsa chuma boma - kusamvana banki. Kodi zikutanthauza chiyani? Ngati n'zotheka kupewa bankirapuse wa bungwe azachuma, kasamalidwe banki adzakhala umasamutsidwa ku Agency kwa Insurance Gawo Agency (okayikitsa). Zimagwira n'kopindulitsa kwa makasitomala amene padera gawo, chifukwa limakupatsani kupulumutsa ndalama zonse padera. Ngati banki wachotsa chiphaso, ndi okayikitsa kuti uyambenso yekha gawo la kufunika kwa gawo lapansi. Koma ngati pali Investor amene akugula bungwe ngongole wonse, phindu komanso mabungwe alamulo, monga adzapitiriza anali ndi gulu. The mwini latsopano amagwiritsa lonse osiyanasiyana amayesetsa kusintha nkhani sonyezani ndi ndiyotani pakuchotsa chuma illiquid. Zimenezi n'zimene konzanso a mabanki. Koma sikawirikawiri anachita. Ngati dzenje mu pepala bwino limafanana ndi buku la katundu, sakhala ndi chirichonse.

Remediation ikuchitika ngati:

- Bank N'zochititsa chidwi kuti chuma cha dziko kapena dera linalake ( "Umodzi" m'chigawo Samara);

- bungwe ngongole ndi okhazikika, koma anakumana ndi kusowa zosakhalitsa liquidity chifukwa cha mantha a anthu (Gazenergobank).

chisankho wapangidwa ndi CBR. Komanso Gawo Insurance Agency (okayikitsa) amapereka kasamalidwe wogwirizira wa banki mpaka katundu wake kunditumiza ku bungwe lina la ndalama. Iye adzamva allocated kubwezeretsa solvency ndi malipiro udindo. Nthawi zina anthu okayikitsa simungathe kukonza vuto banki yake. Koma kawirikawiri kupeza ndalama. Kuyenera kukhala odalirika bungwe ndalama zonse ndi chokuchitikirani zabwino kusintha m'mbuyomu. Recoverable kuchuluka kwa banki mukhoza kupeza likulu ku magwero atatu: ku Bank ndi Central, ACB ndi Investor payekha. Zimenezi n'zimene konzanso a mabanki.

lothandiza

kuchira ndondomeko amathandiza anthu ndi mabungwe alamulo kukhalabe madipoziti yonse. Mu chochitika cha kulephera kwa banki la kumalo a ntchito adzataya moyo ndalama zawo, ndipo anthu wamba kokha zopanda 700 zikwi. Rubles. Remediation amalola kuti abwezeretse mokwanira ntchito za bungwe la zachuma. Likulu zina zimathandiza kusunga ntchito mofulumira kuthetsa mavuto panopa.

athandize Investor ndi zimene

boma adzapulumutsa anthu okhawo amphamvu kapena regionally zofunika mabanki. Kukula kwa malonda ndi kuchuluka mtima wonse Investor ndi mabungwe m'dera ziziyenda konzanso wa banki. Kodi zikutanthauza chiyani? Posinthanitsa ndi ndalama bungwe ndalama alandira gawo la likulu, mankhwala mzere bungwe mphamvu zomangamanga ndi tsinde kasitomala wake. deta zonsezi ndi Investor adzatha ntchito synergies ndi zochitika zawo zina.

ndondomeko

Maziko ziŵalo ndi mpata waukulu kuti abwezeretse solvency banki a. kuchira ndondomeko sayenera upambana zaka 1.5. Ngati pasanathe zaka zitatu akadandaule amanena wina pa nkhani bankirapuse, banki sangakhoze kachiwiri wotsogozedwa kuti ziŵalo lapansi.

Pambuyo wosangalala kupempha, wa kuweruza akulengeza mpikisano chifukwa chotenga mbali mu ndondomeko kuchira. Malangizo waukulu kuti abwezeretse solvency banki ndi yakuti: amodzi a alipire kumangidwa inakhazikitsa, ndi kuchepa kwa iye%, apereke CBA latsopano, makonzedwe a ngongole zina, ukugwirizana ngongole kale analandira, etc. Pre-emptive ufulu nawo ziŵalo ndi angongole wa mwini banki ndi ndodo yake.

Bank Zimagwira: zoyenera kuchita kuti depositors

Nkofunika kukumbukira kuti pamene njira zobwezeretsa chikhalidwe cha ndalama bungwe, nkhani zonse kasitomala udzasugidwa. Bank amalandira likulu zina, amene ayenera Cholinga chake ndi kuthetsa mavuto onse panopa ndi liquidity. Poyamba, ophunzira m'sukulu amphamvu kuthandiza ofooka. Tsopano, mchitidwe womwewo ntchito gawo la kubanki. Choncho, chinthu chofunika kwambiri imeneyi - musati mantha. Ngakhale kasamalidwe analengeza kuti mongoyembekezera "amaundana" njira yonse kubwerera ku depositors ndalama mungathe, koma zitenga kanthawi.

Nkofunika kusiyanitsa mfundo "konzanso" ndi "bankirapuse". Pankhani chachiwiri kubwerera kwa nzika za kuchuluka kwa 700. zikwi. Rubles kungakupatseni okayikitsa. Malinga ndi Chilamulo "Pa inshuwalansi ya madipoziti munthu mu malipiro Russian mabanki 'chiyambe pasanathe masiku 14 pambuyo revocation chiphatsocho banki a. Komabe, nthawi ikudutsa kwambiri. Ndipo ngakhale pano kuti ACB sanathe yomweyo kubwerera madipoziti kulonjeza chidwi kwambiri. nthawi zambiri udzakhala kusanthula mkhalidwe wachuma ndi mndandanda wa depositors.

Mabizinezi ndi amalonda achire madipoziti awo, ayenera sadzatero. Malinga ndi Chilamulo Federal "Pa Insolvency wa Mawu a mabungwe", zonena adzakhutira pa malipiro udindo kwa anthu, ACB ndi Bank ku Central, malinga bungwe ndalama adakali ndi njira. Choncho, n'kofunika kuti panali Investor amene adzatha kubwezeretsa solvency za bungwe.

Ngakhale mabanki ambiri anathetsedwa ziphatso mu chaka chathachi, ndalama katundu mu Agency ake. Ngati ndalama limayenda, Bank ku Central adzapereka ndalama zina ndi opereka ndalama chisanadze dziko. Devaluation akhoza Yendetsani chala pa eni madipoziti ndalama zakunja. Uwerenge gawo lawo ndi chidwi adzakhala upambana rubles 700 zikwi. Eni madipoziti ruble pa ndi kukhala okhoza kubwerera ndalama zawo, koma ndi nthawi kuti iwo adzakhala kwambiri makutu. Choncho, mu nkhani iyi, tikhoza amalangiza izi: pa lingaliro loyamba la devaluation amphamvu a ndalama, amanena nthambi banki ndi pempho "kuswa" gawo lanu mu magawo angapo. Ngakhale bwino - kuti adzikonzenso mbali ya chopereka chanu kwa wachibale. Mu kuchititsa cashless ndikupeleka mukhoza ayi, chifukwa chakuti ndalama ku banki inu Musachotse.

Kodi chidzachitike n'chiyani

Akamaliza wochita ziŵalo ndi Investor latsopano paokha chiganizo ngati kusunga mtundu, chitsanzo malonda, ndi gulu la ogwira ntchito kapena kukhala chirichonse kuchokera zikande. Nthawi zambiri kusintha. CB amachita chisankho sangathe bwanji.

Bank kusamvana 2014

Mu chaka chapitachi, ambiri anachititsa mantha uthenga wa oyamba a boma wogwirizira limodzi la wamkulu mabungwe kukongoza mu dziko. Tikuyankhula zokhudza OAO "Baltic Bank" (St. Petersburg). Remediation mabungwe a zachuma inayamba mu August 2014. Kubwezeretsa liquidity wa Bank ku Central poyamba allocated rubles biliyoni 10. ACB anakonza mpikisano chifukwa chotenga mbali mu ndondomeko apeze wa ngongole bungwe "Baltic Bank". Zimagwira wakhala unachitikira kwa miyezi isanu. Amatsogolera ndondomeko ya Investor latsopano JSC "Alfa-Bank". Panthawi imeneyi, makasitomala ambiri kale amva anasinthira gulu. Brand ndi chitsanzo malonda sichinasinthe. M'malo mwake, makasitomala tsopano kutapa ndalama zina ATMs 5,000 "Alpha" palibe ntchito. ofesi maukonde msanga kumanganso sadzatero. Management amadziwikanso dziwani kuti mitengo pa mapangano gawo ndi ngongole adzatsala zikutsatiridwa mpaka mapeto a nthawi yawo. Poyamba, "Alfa-Bank" nawo konzanso a "Kumpoto kwa Zachuma". Izi bungwe ndalama pambuyo pa kubwezeretsedwa yathetsedwa ndi chikugwirizana ndi Investor lapansi. A tsoka ofanana akuyembekezera "Baltic Bank". Remediation adzakhala likuvutika ndalama bajeti kuchuluka kwa biliyoni 57., The Investor analandira yabwino 0,51%.

yaposachedwapa

18.11.2014 anauzidwa kuti okayikitsa watenga ntchito za woyang'anira afika kasamalidwe ya "kukula". Kuwonjezera pa eponymous bungwe ngongole, kumaphatikizapo mabungwe ena anayi: "Cedar", "Akkobank", "SKA", "Tveruniversalbank". Mu October 2014 Bank ku Central ananyamula kufufuza mkhalidwe wachuma wa kampani atagwira, zotsatira amene anasonyeza kufunika kuti atchule amayesetsa kupewa bankirapuse. Tsopano okayikitsa kusiyana maganizo patsogolo thanzi la wina wa mabungwe ngongole asanu. Ndicho chimene ziŵalo gulu kubanki.

chidule

Ngati banki kungathandize kwambiri pa chuma kapena anakumana ndi kusowa zosakhalitsa liquidity, Bank ku Central angathe kuyamba kupanga bungwe kuchira. Mu nkhani iyi, okayikitsa amalandiranso udindo wa woyang'anira zosakhalitsa. Mu kufanana ndi kusanthula ndalama ndalama analengeza mpikisano kuti akhoza kubwezeretsa solvency za bungwe. Zimenezi n'zimene konzanso a mabanki.