Chii rokuchinjwa nemabhengi? Bank abvumire: zvokuita kuti depositors

Muna 2013 - 2014 makore, mabhanga akawanda Russian Central Bank kubvisa rezinesi. Izvi zvakakonzera kwete chete kutya pakati depositors, asiwo yarova nemamwe masangano chikwereti. Vatengi akatanga kutora mari kubva zvemari kutsiga mabhanga. Kokutanga muupenyu refu, shoko yakarira ruzha kwazvo "nokubatanidzwazve." Chii chinorehwa ne nzira kununura chikwereti neHurumende masangano? Munyaya ino uchadzidza zvakaitwa nokubatanidzwazve mabhanga.

tsananguro

A seti maitirwo zvainanga kudzorera mari nehurumende - kubhengi chisarudzo. Zvinorevei? Kana zvichibvira kudzivisa kusauka pakati chevanorwara zvemari, basa iri mubhengi achapiwa hwakatamisirwa Agency kuti Deposit Insurance Agency (LETSATSI). Kutsvinda Zvinobatsira vatengi vanenge paakapiwa dhipoziti, nokuti kunoita kuti aponese vose mari inenge yashandiswa. Kana mubhengi abvisa ari rezenisi, LETSATSI anogona kupora chete chikamu kukosha dhipoziti. Asi kana pane investor anotenga kadhi sangano rose, kubatsira uyewo pamutemo masangano, sezvo acharamba kuzoshumirwa nesangano. Muridzi itsva inoshandisa yose-siyana matanho kugadzirisa nhoroondo bhadharika uye ndichipfeka kubvisa illiquid zvinhu. Ndizvo kunaya mabhanga. Asi kashoma paaiita. Kana buri pachiyero papepa anoenderana bhuku yesangano, hazvina kuita chinhu.

Remediation rinoitwa kana:

- Bank zvinokosha kuti upfumi wenyika kana imwe nharaunda ( "kubatana" iri Samara nharaunda);

- kadhi kupfungwa akatsiga, asi nematambudziko pfupi kushaya liquidity nokuda kutya kwevanhu (Gazenergobank).

Chisarudzo chakaitwa ne CBR. Uyezve, Deposit Insurance Agency (LETSATSI) inopa zvokungoitawo kurapa pamahombekombe kusvikira ayo ndeizvi kune imwe yunivhesiti zvemari. Iye vacharaswa dzinounzwa kuti kudzorerwa solvency uye muripo mitoro. Dzimwe nguva LETSATSI haagoni kugadzira dambudziko iri yayo bhengi. Asi kazhinji kuti vatsvake makambani. Inofanira kuva zvemari sangano nguva dzose yakavimbika uine ruzivo yokuchinja kare. Recoverable chitsama kubhangi anogona kuwana guta kubva mumabhuku matatu: kubva Central Bank, ACB uye private investor. Ndizvo kunaya mabhanga.

zvinhu zvakanaka

kupora nzira inobatsira vanhu uye nomutemo masangano kuramba deposits zvakakwana. In zvinoitirwawo mubhengi kukundikana ebhizimusi vacharasikirwa upenyu hwavo nemari, uye vagari vanhuwo chete wakabura 700 zviuru. Rubles. Remediation unokubvumira zvakazara kudzorera basa tsika zvemari. The okuwedzera guta unobvumidza kuponesa mabasa uye nokukurumidza pakugadzirisa matambudziko pari.

Chii kunobatsirei investor

Hurumende anoponesa simba kana muAfrica nemhiri kwemakungwa kukosha mabhanga chete. Kukura zvebhizimisi uye yakawedzera chivimbo kuti investor kubudikidza dzemo zvikoro zvinobatsira zvikuru kunaya kubhengi. Zvinorevei? Mukutsinhana mubhizimisi urongwa zvemari anogamuchira chikamu guru, chigadzirwa mutsetse sangano, kwezvivako vanokwanisa uye ayo vatengi chawo. Data zvose izvi ndiwo investor achakwanisa kushandisa Synergies wayo mamwe mabasa.

nzira

Hwaro nokuti nokubatanidzwazve ane mukana chaiye kudzosa kubhengi wacho solvency. kupora nzira haafaniri kupfuudza makore 1.5. Kana mukati makore matatu akanga nyaya imwe vanoti vari kusauka nyaya, kubhangi haigoni kuzodzosera kutungamirirwa nokubatanidzwazve.

Pashure kugutsikana chikumbiro, chekutonga inozivisa makwikwi kuita yavaipora kwacho. Huru mirayiridzo kudzorera kubhangi kuti solvency: ari kunonosa kuti mutsividzo kusungwa wakabudiswa, aine kuderera kwaari%, ngaateme CBA idzva, urongwa zvimwe zvikwereti, kuwedzerwa kare kugamuchira zvikwereti, etc. Pre-emptive kodzero chikamu nokubatanidzwazve vari zvikwereti zviri muridzi kubhengi uye tsvimbo yake.

Bank Utsanana: zvokuita kuti depositors

Zvakakosha kuyeuka kuti munguva nzira kudzorera dzemari sangano, mutengi zvose nyaya zvichabviswa kuchengetwa. Bank anogamuchirawo zvimwe guta, izvo zvinofanira zvainanga zvibviswe zvose matambudziko anoshandiswa liquidity. Kare, vadzidzi muzvikoro simba kubatsira vasina simba. Zvino, zvakafanana tsika rinoshandisirwa mu ari rwezvemabhengi zvekutepfenyura. Naizvozvo, chinhu chinonyanya kukosha izvi - musavhunduka. Kunyange kana basa akazivisa kuti kwenguva "yaita chando" zvose zvokurarama kudzorera mari depositors anogona, asi kutora nguva.

Zvakakosha kusiyanisa pfungwa "vapore" uye "kusauka". Kana yechipiri, kudzoka vagari vari uwandu anosvika 700 zviuru. Rubles unovimbisa LETSATSI. Maererano noMutemo "On inishuwarenzi nomunhu deposits mune mabhanga Russian 'kubhadhara kutange mukati memazuva 14 mushure revocation yacho kubhangi chokutyaira. Asi tsika, nguva achapfuura zvakawanda. Uye kunyange pano kuti ACB aisagona pakarepo kudzokera deposits kwechipikirwa zvakawanda mubereko. Zvikuru nguva richaperera pamusoro kuongorora dzemari uye uwandu kuti depositors.

Enterprises uye Entrepreneurs achapora deposits dzavo, Ungangove kwete. Maererano Federal Mutemo "On Insolvency pamusoro Credit Organisations", kwakadaro vachaguta pamusoro kubhadhara mitoro kuvanhu, ACB uye Central Bank, akapa kuti tsika zvemari vacharamba kuwana. Naizvozvo, zvakakosha kuti paiva investor ndiani achakwanisa umutse solvency yacho sangano.

Nepo mabhanga mazhinji yakabviswa marezinesi kare gore, Nehunde mari iri Agency achine. Kana mari yapera, Central Bank achapa dzimwe mari kuburikidza nekuita pre-National mari. Kuderedza anogona Rova zvakasimba panguva varidzi dzimwe mari deposits. Verengai dhipoziti vavo kufarira achava pfuura 700 zviuru rubles. Varidzi Ruble deposits panguva uye kukwanisa kudzoka mari dzavo, asi kuti nguva vachaputswa vakadhakwa zvikuru. Saka pane izvi, tinogona mazano anotevera: panguva zvechokwadi ine simba kuderedza currency wokutanga, kureva kubhengi bazi chikumbiro kuti "kuputsa" dhipoziti wako akawanda nhengo. Kunyange nani - kuti vavandudze chikamu mupiro hama. In pakuitisa cashless kutengeserana haugoni kuramba, nokuti chokwadi currency kubva kubhengi murege kutora.

Chii chichaitika ipapo

Pamusoro kuvakwa nokubatanidzwazve nzira yacho investor itsva vakazvimiririra anoita sarudzo kana kuchengeta zvizivikanwe, mabhizimisi wokuenzanisira, uye chikwata vashandi kana kutanga zvose kubva muvare. Most kazhinji zvinochinja. CB anoita Chisarudzo ichi vasakanganise.

Bank chisarudzo 2014

Mumakore gore, vakawanda kwakakonzera kutya mashoko Kuturwa zvokungoitawo yaitonga muna remabhuku anomukweretesa masangano munyika. Tiri kutaura OAO "kuBaltic Bank" (St. Petersburg). Remediation mari masangano akatanga muna August 2014. Kunotangazve liquidity of Central Bank pakutanga dzinounzwa mabhiriyoni 10 rubles. ACB yakaita makwikwi kuita nzira hwokuponesa kwemutongo sangano "kuBaltic Bank". Kutsvinda yave ichiitwa kwemwedzi mishanu. Anotungamirira muitiro mumwe investor idzva JSC "Alfa-Bank". Panguva ino, vatengi zhinji kare vakanzwa zvakanaka nokuchinja musangano. Brand uye mabhizimisi womuenzaniso haana kumbochinja. Asi, vatengi anogona ikozvino ngavabude mari kubva mamwe 5,000 ATMs kuti "Arufa" hapana basa. hofisi samambure nokukurumidza kuvakazve haazovanzwiri. Management iri akavimbisawo kuti prices pamusoro dhipoziti uye zvikwereti zvibvumirano vacharamba kuchinja kusvikira pakuguma kwavo izwi. Pakuvamba, ari "Alfa-Bank" aiitawo rokuchinjwa "Northern Treasury". sangano iri zvemari pashure pokudzorerwa rave kupedza uye kwakabatana kuti investor. A yakafanana mugumo kwakamirira "kuBaltic Bank". Remediation achava tichiregeredza bhajeti mari mu uwandu bhiriyoni 57., The investor akapiwa zvakanaka 0.51%.

Recent nhau

18.11.2014 akaudzwa kuti LETSATSI atora mashandiro anoita kwenguva pfupi mutariri ari kurapa "kukura". Kuwedzera kune eponymous chikwereti kupfungwa, chinosanganisira mamwe masangano zvina: "Cedar", "Akkobank", "SKA", "Tveruniversalbank". Muna October 2014 Central Bank akatora kunyatsoongorora mari ezvinhu yakabata kambani, migumisiro izvo zvairatidza kudiwa kusuma matanho kudzivirira kusauka. Zvino LETSATSI ari kukura urongwa kuvandudza utano nerimwe shanu chikwereti masangano. Ndizvo zvakaita nokubatanidzwazve yacho rwezvemabhengi boka.

pfupiso

Kana mubhengi inoita basa rinokosha mune upfumi kana atarisana kwekanguva kushayikwa liquidity, Central Bank anogona kutanga chirongwa pakupora sangano. Panyaya iyi, iyo LETSATSI anotora basa sehofisi mutariri. In kufanana mari kuongorora makambani rakazivisa makwikwi aigona umutse solvency yacho sangano. Ndizvo kunaya mabhanga.