Black mazita mabhanga Russian

Mumakore mwedzi mitanhatu yokuRussia rwezvemabhengi munharaunda wose wokudzedzeresa: mumwe mukuru misoro nokuda hurukuro yaiva nemabhengi kuti vari blacklist. Chii mazita ichi, uye chii kuparadza sangano kupinda ndandanda ichi mhando?

blacklist mabhanga First akazviratidza anenge 10 apfuura, uye panguva muzhizha ra2004. Ipapo Central Bank inoitwa rokutanga nemakambani zvayo munyika yose "zvakachena-up" mudzimba rwezvemabhengi kubva anonyengera vatambi. Walkers ari pomumbure blacklists huvandudzike yakawiriranwa kusavimba pamisika pamusoro interbank achiposa izvo zvakaita kuti arasikirwe liquidity kubudikidza akawanda maduku uye svikiro kadikidiki mabhanga. Somugumisiro, masangano akawanda vakafirwa marezinesi avo, asi regulator akakwanisa kuchengeta zvinhu pasi pesimba uye kudzivirira aval kuti bankruptcies.

figment kuti fungidziro

In pemwedzi November 2013 yaiva chinozunguzirwa wokutanga makuhwa uye innuendo pamusoro kuenderera mamwe chikwereti masangano. Musoro Central Bank Elvira Nabiullina panguva kubvunzurudzwa zvose akapikisa mashoko aya, uye pasina kuwana vaneta, akataurazve kuti regulator hakusi mumabasa pakuswedera kukumikidza chemabhazi-mazita. Kuitawo iri vaiita ne Association of Banks Russian, vakaramba kubvuma kuvapo blacklists.

Pakuonekwa mashoko akadaro ari Central Bank utungamiri uye Arb anotsanangura zvinhu zviri kunaka yemakwikwi zviri pakati rwezvemabhengi zvekutepfenyura, zvichibvira mhinduro pamusoro chikamu mikuru vatengi kuti mabhanga kuitisa mabasa mari laundering, uyewo chido vamwe anokwereta huru regai kuripa zvikwereti huru pashure revocation yacho marezinesi avo vakaedza.

Winter 2014: nenguva yokurasikirwa nemabhangi

Advocacy ikameresa zvimwe zvabuda, asi ruzhinji vokuRussia mangwanani ose dzakatanga kuwana ruzivo pamusoro mabhanga ari dema Pamazita anosanganisira ano musi. Pasinei ano dhipoziti inishuwarenzi hurongwa, vamwe vanoita vakasarudza kurega mari dzavo kubva masangano vanokwanisa matambudziko. Vakuru nemakambani pamwe nenhoroondo dziri mabhanga, rwakabatwa kuziviswa mazita uyewo vaifarira kuona kwavari mari.

Nokukurumidza, vokubhengi zhinji, achiyeuka vachiti kuti munhu akakurumbira mari anoda anyerere, akamira kuti vataure nyaya blacklists. Kana venhau vakakwanisa kuwana mashoko panyaya iyi, raiva miserly chaizvo uye dzinopesana.

Total zvinotaurwa nevezvematongerwe nyanzvi wacho wakaderedzwa kusvika dzekare okuti: "Live - ona". Kunyanya, venhau munyori "SMP Bank", Igor Ilyukhin mu uchibvunzurudzwa kuti "Bankir.ru" akati kuti iye pachake ane 3 blacklists, izvo yakabudisa, kusanganisira sangano uye rezinesi № 1481, kureva, "Sberbank Russia. "

A zvishoma pamusoro veracity mashoko

Zvinofanira kucherechedzwa kuti vamwe mabhanga akanyorwa vatema list, ipapo zvechokwadi wakafirwa kwayo rezinesi. Mumwe mazita aya, rine 48 makambani yakabudiswa December 4, 2013. Kubva ikozvino kusvikira pakuguma wokutanga chikamu 2014 yakabviswa marezinesi pakati pemahombekombe 12 dzakanga pachikwata. Pakati "kukurumidza yafa":

• December 2013 - "Project mari Bank", "mari kubhengi", "rechikepe-Bank", "Smolensk", "Askold".
• January 2014 - "Bank My".
• February 2014 - "Link-Bank", "Eurotrust".
• March 2014 - "Russian Land Bank", "Monolith", "Sovincom", "simba bhizimisi".

Saka, mashoko pamusoro mamiriro akaipa zvemari uye nomukana rezinesi revocation kuti kota zvikwereti masangano kubva blacklist akasimbisa chete kwemwedzi mina. Zvinogoneka kuti chambotaurwa nezvacho mutema pamazita mabhanga Russian chakaitwa pahwaro Insider mashoko kuwanikwa vanyori ayo. Zvinogoneka kuti waiva mugumisiro kumbonyatsoongorora kuongorora huru zviratidzi zvezvipfuwo chikwereti masangano makumi mashanu. Muchiitiko chino, mumwe anogona chete kuyemura vhoriyamu basa rinoitwa uye kururama kwemashoko mhedziso.

Sangano pokudzora mumabhengi ...

CB (mukati Federal Mutemo № 86-FL) rinotarisira pemahombekombe, nokuramba zvemari uye zvikwereti gwara, uye inocherechedza kufungira kwema sangano uye ayo vatengi. Maererano zvinodiwa regulator akatuma mabhanga ari Central Bank of mishumo kwema, uye kuzviita nenguva tsika uye ari kuramba hwaro.

The Central Bank kugara achaongorora zvose chikwereti masangano. Uyezve, misoro vaongo- upi bhangi achava asina asingasviki 1 nguva muna 3 years. Panguva rokuongorora uku anonyatsoongorora pakukura uye nemamiriro yesangano uye munataisireva kwemutongo kupfungwa, anokosha coefficients zvinoratidza takatsiga kwayo. Kuwedzera zvakaoma, asi panewo Category inspections, izvo kunomboitika kanoverengeka gore.

Kuwedzera pabasa, "Central Bank", "Financial Yoburitsa" - iri gadziriro Implementation zvaidiwa noMutemo 115-FL - anogamuchira zuva nezuva kubva mabhanga makumi ezviuru mashoko pamusoro kunopfuurira mashandiro pavo, kupfeka mibvunzo. Hazvisi pachena kuti chii chinangwa zvinoenda yemamota zvose izvi mashoko, kana kwete mberi inosimudzira kuitwa zvakakwana matanho pamusoro zvikwereti masangano dzinotyora zvinodiwa mutemo.

... uye ahwo

Pane maonero kuti mabhanga vanobatwa blacklist, nokuti zvimwe zvikonzero ndivo Central Bank pasi chaiyo kuzvidzora. Zvechokwadi, mari nzvimbo mumwe bhangi riri kudzora vanachiremba zvakajeka chaizvo uye unonzwisisika. Kana zvisingaiti munzvimbo pfupi izwi kuchinja chero nzira inokosha. Zvinogoneka kuti, pahwaro mashoko akapiwa Central Bank kunogona kusika yako matema mazita mabhanga, izvo kazhinji kuwana sangano vachida kusimbiswa kutarisira.

The Central Bank ane maturusi akasiyana-siyana zvakaoma, izvo kubatsira kuvandudza mabasa mbiri sangano uye kudzivirira kusauka kwayo, uye revocation of rwezvemabhengi rezinesi - ichi ndicho chiyero zvikuru. Somugumisiro, nyaya imwe neimwe ndizvo chikanganiso nyanzvi miganhu dzekushumira "Central Bank."

Somugumisiro, zvikonzero huru kwakaguma revocation pakati marezinesi akawanda nemabhengi, Central Bank anodana kupa mashoko venhema, kuita ane ngozi chikwereti gwara, uyewo vasiri kuzadzika yemirau wedare mabasa avo.

Oneka nezvimwewo zviito makambani

Zvinofanira kucherechedzwa kuti nevakawanda kuziviswa blacklist kuti mabhanga (muna 2014), ayo chitarisiko akanatsiridzwa kuti tsvete makwikwi. Kunyanya, mudonzvo mamwe aitungamirira mbiri nemasangano vakakurudzira vatengi ayo uchatamisa mari kumabhanga kuti zvichipomerwa dziri pazuva rezinesi revocation mazita.

The kusada regulator kupindura mubvunzo sei kuwana mutema pakarongwa mabhanga, uyewo kushaya mashoko akavimbika pamusoro mamiriro ezvinhu chaiye zvikwereti masangano vawira mariri, zvoita kuti vakawanda kutapurirana vemo 'deposits mune mabhanga pamwe nehurumende vabatanidzwe. Chete nokuti IV kota 2013 bhuku deposits vemunyika mu "nemari Bank" yakawedzera 7.8% mubhangi "VTB" - ne 4.7%.

Kukosha nokukoshesa zvinodiwa

Paiva dzakananga mabhanga ari dema mazita Central Bank, kana kuti rakafuridzirwa rimwe boka kuburikidza musika Clearance kubva makwikwi, zvino haasi kukosha kudaro. Asi pakagadzwa "chena" Pamazita kwave zvakaziviswa pamutemo.

Pakapera 2013 Central Bank kwakasimbiswa nzira dzekuziva kuti achapiwa pakutsvaga dzinonzi mabhanga systemically kukosha. The zvinokosha zvinodiwa wakatangwa sezvo yesangano, interbank akavhiyiwa (voga - uye akakweretesa sezvo anokwereta), uye uwandu private mipiro.

Pahwaro zviratidzo izvi rwunoratidzwa kugarwa "nokupfupikisa zvabuda," izvo ukoshi kunoratidza ukuru kukosha pamahombekombe nokuda Russian rwezvemabhengi hurongwa. The wegore mazita vanosanganisira vaya chikwereti masangano vane "kwetunhu mugumisiro" anopfuura 0,6.

"White" pasi

Huru Vakwikwidzi nzvimbo iri ndandanda systemically kukosha chikwereti nemasangano ehurumende-vaiva nemabhangi: nemari Bank, "VTB", "Agricultural Bank", "Gazprombank" uye vamwe. The Pamazita vanogona kupfuura private mabhanga vakadaro, se "Alfa-Bank", "PSB", "NOMOS Bank", "Bank of Moscow". Zviri pachena kuti kuvapo "chena" nyora zvinoita kuti zvive nyore kuti chikwereti sangano kuwana mamiriro zvinhu, kunyanya Central Bank nokuda kwezvikwereti uye kupindurawo Auktionen kuti kodzero chehondo deposits ose ehurumende-nazvo uye ehurumende-anazvo makambani.

Ukuwo, vanopinda pamazita aya ichiwedzerwa pfungwa kuramba kudzora kushandiswa. Zvinofungidzirwa kuti vamwe private mabhanga kuchaderedza kuwanda dzebhizimisi mabasa, kutiza yakawandisa pfungwa Central Bank.

zvinodiwa New kuti rakavimbika mabhanga, kushanda hurumende mari

Pakapera March gore rino zvakazivikanwa kuti rezvemari uye hurumende iri Russian Federation kuda adzokorore pamazita mabhanga umo hurumende makambani vachabvumirwa mune ramangwana kuisa mari dzavo. Maererano chirongwa dzakabudirira "Bank of Russia", makambani ehurumende anazvo achakwanisa kugovera mari kwenguva pfupi vakasununguka chete nemasangano avo, ane-yakareba Rating haasi kuvatumwa BBB (nokuda Fitch kana Standard & Poor kwakaita shanduro) kana Baa3 (maererano Moody aiva) maererano tichitarisa akaisa deposits.

vokubhengi Russian vakaita utsanzi pasina nechido, uchiona mumwe boka nechinangwa kuzadza munhu ndibatsireiwo blacklist kuti mabhanga ne zvikwereti masangano, nokuti vamwe chikonzero havana ratings kubva masangano aya. The vakawanda mafungiro rwezvemabhengi vemunharaunda chinoratidzwa bvunzurudzo pamwe pepanhau "Izvestia" mumiririri FBK Roman Kenigsberg. Maererano naye, pfungwa yacho placement kwezvirongwa mari mu yakavimbika mabhanga, seboka riri inzwi uye yakarurama, asi kushandisa kuera dzakawanda sezvo chikuru Kukoshesa chokuratidza kunonyanya moot.

Features kuera

Long-rokuti Rating masangano anoumba "guru matatu", chete ane 78 mumhuri mabhanga. Uyezve, international ratings zvikurukuru kuzviitira, ivo kuramba kufungawo vavatorwa gwara ezvinhu, pane chaiko mamiriro ezvinhu ari chikwereti mapenzi. Agency - pasi kumanikidzwa zvimwe hurongwa Western - anogona chero nguva ngavabude kuti ratings basa avo achaita zvinetso zvikuru nokuti mabhanga Russian kuitawo zvirongwa mamiriro.

Vakaronga tightening zvinodiwa kuti masangano chikwereti Rating inofanira kutungamirira zvinoderedza uwandu vechikamu dhipoziti Auktionen hafu. Maererano nedzimwe nyanzvi vanofungidzira kuti Auktionen akadaro pakupedzisira vachabvumirwa pamusoro gumi nevaviri mabhanga matatu. Zvinonzwisisika kuti masangano kuti zvabviswa kubva makwikwi nehurumende pfuma, vapiwa wakabura matsva "mazita dema kuti 2014 mabhanga".

Chii chakazoitika?

In chechipiri chikamu 2014, nyanzvi dzinofungidzira, mwero "kuchenesa" zviri rwezvemabhengi musika ndirambe zvishoma, asi basa riri kuziviswa masangano matambudziko acharamba. Somuenzaniso, 17 April akarasikirwa marezinesi avo mumwe 2 Regional mabhanga: Dagestan "reCaspian" uye Bashkir "AF Bank". Zvinofanira kucherechedzwa kuti izvi kukweretesa zvikoro kwete nekuti vakatora pasi panzvimbo iri chepamusoro, asi mukuru dambudziko ivo chete vakatanga muna 2014 zvakasanganiswa nezvepanyika nhema mazita mabhanga,. Maererano nedzimwe nyanzvi vanofungidzira muna 2014 acharasikirwa marezinesi avo pamusoro mabhanga makumi mashanu.