Recapitalization - nayo ... Unoita recapitalization kuti mabhanga

Bank kuumba homwe kuti anogona kuvimbisa kugadzikana wayo mari uye chokupika mitoro iri chiitiko matambudziko. Bhuku pachake mari vanofanira kusapfuudza mureza kukosha guru adequacy reshiyo. Ekupedzisira rudzi makasitoma inishuwarenzi. Zvinoratidza kuti kubhangi anofarira chaiye basa mumusika. Pashure pezvose, kana shareholders bhizimisi mari dzavo, izvozvo anovimbisa kuti vachanzwikwa paakapiwa wakakodzera hanya zvakare. Asi unopinza kudzikira mune kunaka chikwereti Portfolio guru adequacy reshiyo anogona kusvika pakunogumira. Panyaya iyi, kubhengi pangozi yokurasikirwa rezinesi.

mbudo

Kuti adzivise nemamiriro ezvinhu akaoma, Central Bank ari kutora matanho kudzikamisa dzemari sangano. Zvimwe capitalization - ndiye urongwa pamahombekombe kuRussia zvikwereti masangano akaisa chikwereti. Ndiye chikamu okuwedzera mari. Izvi zvinoreva kuti pane nyaya kusauka, munataisireva kuna Central Bank achapiwa vaurayiwe vokupedzisira. Mutemo hwaziviswa uye mwero hurongwa mamiriro mune izvi. zvikwereti kwakadaro kunogona ipiwe zvisina kunanga, kuburikidza Agency kuti inishuwarenzi dhipoziti (LETSATSI) mu muchimiro zvisungo zviri yeUnited chikwereti zvisungo (OFZ). yaishandiswa A akafanana zano, pamwe zvemari dambudziko muna 2008 gore.

Recent nhau

Muna December 2014 President Russian akasaina mutemo pamusoro mamwe capitalization kuti mabhanga zvaikosha 1 tiririyoni rubles. The ndandanda dia "rombo" rakabudiswa muna February 2015. Zvikwereti vachapiwa kwete chete kuburikidza BFL, asiwo kwakajairika akaisa kwezvikwereti. Izvi zvichabatsira ACB kugadzirisa nyaya capitalization kuti mabhanga. Vanofanira kunge pasi 01/06/2015 akabvuma kuva kuzvipira pedyo Agency uye Central Bank - kubatsira chaizvo zvinodiwa tsika.

mamiriro

The Bank anofanira, mukati memwedzi 36 kwakawedzera neinopfuura 1% of Vhoriyamu zvikwereti chikwereti, zvikwereti zviduku uye svikiro kadikidiki bhizimisi. Zvinogonekawo musiyano wezvinyorwa pamusoro mari Rwako nenzira inokosha sectors hwenyika. Chimwe chinodiwa kuti kuwedzera mugove guru ne50% of mari yakagamuchirwa kubva Purofiti kana upfumi kuti shareholders. The Banks inotevera 36 mwedzi havagoni kusimudza mubayiro kune vashandi. Zvapedzisira chokufunga kuti mukuru zvakadini uye anodzora anorairira kubva chisarudzo kubatanidzwa mupurogiramu. Recapitalization - rubatsiro urwu, iro rinowanikwa yakaoma chaizvo.

Musimboti kwacho

Nokuti kwemaindasitiri upfumi kunoda nouchapupu aizomupa inokwana ehurumende. The simba wokumwe vanoita zvinofanira kungoitirwa. Banks vanosungirwa kuti ape guru zvikwereti kupfura. Izvi pamwe kunangidzirwa recapitalization. Sangano haagamuchiri mari "mhenyu", uye OFZ. Panguva iyoyo aizova kukwezva yakafanana mari pachavo. Get chete kota huripo uwandu pachangu mari, izvo zvaizoitawo haafaniri kupfuudza mabhiriyoni 25 rubles. Kureva, mamwe capitalization - chiyero inogona Regional mabhanga kuti Tingangonyanya kutora simba nechinzvimbo pamusoro kumusika uye kukudziridza yakazvimiririra. Izvi kunosimbiswazve nemashoko okuti yepurogiramu: sangano inofanira kuva pamwedzi kuwedzera chikwereti Portfolio 1% kana kupfuura.

International ruzivo

The dambudziko 2009 akaratidza kubudirira nzira iyi. Ipapo hurumende US akatipa dzakazadza emadhora kudzorera dzemari zvikwereti masangano pasina zvirango. 4 Makore gare gare European Bank inotsigirwa echiGiriki zvikoro zvinosvika mabhiriyoni 50 euros. Pashure Kudzikamiswa zvinhu yacho investor anogamuchira mumbure purofiti nemasangano. Ndokusaka zvichikosha kuti sezvo okupedzisira aiva mamiriro.

Bhuku pachavo mari kuti chikwereti masangano ungaderedza nokuda zvinodiwa Central Bank kuumba reserves. Chikamu mari anongowanika papepa: overpriced Os, midziyo, zvivako uye zvimwe zvinhu hazvigoni kushandiswa zvinopa mari. Kudzora mamiriro acho ezvinhu, Central Bank anoisa chaiwo mitemo uye macheki kuona kana sangano mikana guru.

Kuti aite izvi, miedzo kunetseka inoitwa. ngozi kuongorora nyanzvi vanoumba, sezvo kunzwisisa pezvakaitwa zvoupfumi kunogona kukanganisa tsika. In Nemuromo, kwakadaro cheki zvinofanira kuitika pamusoro Quarterly hwaro. In Ukraine, ndiyo nguva yekupedzisira akanga akatakurwa pamusoro chikumbiro of IMF muna 2014. Ipapo nyanzvi savakadzingiswa guta sei kana water drainage ose deposits uye ikure chikwereti. Maererano migumisiro nemiedzo kwakasarudzwa kuti capitalization.

On tarisiro kukura chikwereti musika

Bazi Finance anotarisira kuti mabhanga vachakwanisa kuwedzera Vhoriyamu anomukweretesa kune zvivako kubudikidza 15%. Zviri imwe chinangwa, iro rinotungamirirwa recapitalization. Zvinorevei? Banks havazokwanisi kushandisa mari kutenga mari, sezvakaitika muna 2008. Izvi akanaka. Asi kuwedzera anomukweretesa kune zvaidiwa achava zvakaoma chaizvo. Vachafanira kuderedza mubereko prices uye kutora chikamu mitoro. Tinobvumirana izvi, kwete masangano ose. Sezvo guta kuwedzera - zviri yokuzvidira, ari "VTB 24" uye "Rosbank" aramba kubatanidzwa mupurogiramu, kukakavadzana chokwadi kuti vari purofiti zvakakwana.

On zvinogona vatengi kufurirwa zvinhu zvizhinji: zvikwereti mamiriro, achifumira mufurati mitengo chivimbo mudanga mari. The zvishomanana vasanyanye mwero kunogona zvaizopedza nedzimwe pamwedzi mari. Kashoma chiyero yakadaro kuchawedzera kwokudiwa basa iri. Mortgages yakaderera kufarira prices anogona ngaateme chete anokwereta vane zvikwereti akakwana kare. Bank nzvimbo iyi vanonzi. Uye kunze, kwete anokwereta ose anogona kuva nechokwadi kuti ayo solvency asingadi kuderera inotevera 10-15 makore.

Nyanzvi dzinofungidzira kuti zvakanaka mugumisiro guru kuwedzera kuchaita kuti yakaderera, kuwedzera kudiwa ari chidimbu kuti "upfumi", umo mugove chikwereti kwema ndiyo 80%. Persons nomubvunzo kutenga mufurati iri rikwanise, shandisa vasanyanye duku muzana. Vamwe vatengi Ungangove vachafanira kumirira nokuchinja chinokosha mutengo zvikwereti. Mugove chikwereti kwema iri shoma chidimbu, kashoma kukasapfuura 20%. Naizvozvo, kuchinja mwero kashoma kuti kukanganisika kudiwa. Vazhinji vatengi kuti zvivako kubhadhara mu Yakabudiswa nomumwe ezvinhu.

Bank recapitalization: unofanira kuziva depositor

1. chiyero iri kushandiswa kuwedzera yesangano kana kufukidza varasikirwa. The initiator of shareholders dzingava rikurumidze. Muchiitiko ichi tiri kutaura pamusoro pokurera mari zvikwereti zvitsva.

2. Kuvapo matambudziko mubhangi hazvirevi kuti anofanira mari. Zvimwe Central Bank yakagadziridzwa zvinodiwa, uye mbiri sangano hakuna kukwana akaunganidza mari kubva yapfuura makore kuti awane kutumirwa. Kunyange zvazvo recapitalization kuti Ukrainian mabhanga muna 2014 akasikirwa kufukidza varasikirwa.

3. Kutanga, pakatangwa anokumbira shareholders. Kana havakwanisi mari sangano kutanga kutsvaka kunze vanoita,. Mutemo pamusoro mamwe capitalization pakati pemahombekombe kunoda kuti kuchinja zvose guru mvumo inofanira vakanyorwa pamwe Central Bank. Pashure kuiisa mari nekuda uye zvinogona kushandiswa sezvinoitwa mamwe chombo.

4. Kana kukwezva chikwereti guta zvakanga zvisingaiti kufukidza nezvinhu, kubhangi vanofanira kana kudzima vhoriyamu zvemabhizimisi, kana liquidated.

5. The okuwedzera capitalization - kurumbidzwaka uku, kwete kudiwa. The kuwedzera guru hakuvimbisi mari chemagwaro sangano. Kana shareholders vari kutendeseka, ipapo mari inogona kushandiswa muzadze chikwereti Portfolio. Muchiitiko chino, zvingangoita kuti pashure imwe nguva, sangano kamwe zvakare simuka kudiwa rubatsiro rwemari.

mhedziso

Imwe nzira inogona kushandiswa kudzikamisa dzemari zvikwereti masangano - Capital Increase. Chii? Kupa rubatsiro rwemari kubhengi kubva shareholders, Central Bank kana zvimwe dzakawanda masangano. President Russian zuva 2014 akasaina mutemo pasi iyo 27 Regional masangano anogona kuwana munhu akaisa chikwereti. Asi achida zvishoma, nokuti mamiriro ezvinhu enyika chikwereti vari yakaoma chaizvo.