Isirashiya urhulumente uza ‘ququzelela kwakhona’ Otkritie banking iqela. Ngubani ukuba zithetha ukuthini



Russia ke Central Bank sele kwapapashwa i-reorganization ye-banking iqela»Otkritie»omnye oyena-mali amaziko kweli lizwe, kunye amakhulu billions ka-rubles yayo kwi-akhawunti. I-Otkritie banking iqela iqulathe i-bank ngelizwi elinye igama kwaye iibhanki Tochka, Roketbank, Rosgosstrakh Bank, nezinye organizations. Zonke ezi amaziko ngoku uza kuba»rehabilitated»Ewe, reorganization ithetha i-bank ayikwazi kuhlangana nazo zonke iimfuno regulator, i-Russia ke Central Bank, ngaphandle kwemali kwi -«reorganizer»Xa Central Bank ubona a imeko efana nale, oko sele ezimbini iinketho: revoke i-bank u-iphepha-mvume (ekutshabalaliseni i-bank), okanye ququzelela kwakhona kuyo. Njengokuba umthetho, regulators ququzelela kwakhona enkulu iibhanki ukuba ingaba ezibalulekileyo kwi-national okanye jonga umlinganiselo. I-bank kwi umbuzo uba-propati ka-enye, ngakumbi anamandla bank okanye eziliqela iibhanki, okanye Urhulumente Faka i-Inshorensi-Arhente kuvele ubunini phezu bank.

I-reorganizer rehabilitates i-bank kulo mbuzo. Ukwenza oku, urhulumente inikeza thambileyo-mboleko kwi-reorganizer. Emva koko, i-bank u-entsha umnini lugqiba nokuba ukugcina i-address bank okanye uthengise kuyo. Russia ke Central Bank ngu ngokwenza umsebenzi ngokwawo, apho ufumana ntoni yenza oku reorganization ezahlukileyo ukususela bonke abanye lwenziwa ukususela ngowama. Nikholelwa ukuba abantu abaninzi, private iibhanki zisuke obandakanyekayo kwi-reorganization nkqubo, i-Central Bank wagqiba kwelokuba ukuba regulator kwelayisenisi imali kuba reorganization, kuya kufuneka kanjalo kubekho omnye oversee i-rescue nkqubo. Umthetho ngolo hlobo ube wenziwe kwaba ngaphambi koko kulo nyaka, kwaye Central Bank wadala ebizwa-Banking Candelo Consolidation Foundation, awathi ngayo ulawulo. Le yindlela umzimba ukuba uza ngoku ukulawula Otkritie.

Ke kakhulu kamsinya kuthi

Wangaphambili indlela ngokuqinisekileyo waba yayo share ka-drawbacks: ngamanye amaxesha reorganization waba osetyenziselwa absolve i-bank u-mhlaba kwaye creditors (ngamanye amaxesha efanayo abantu) uxanduva failures ngamanye amaxesha anamandla iibhanki baba reorganized yokufikelela olusisigxina preferential credit ilayini esuka kurhulumente kwaye ngamanye amaxesha reorganizers yaye yonke into ukuze ugqithise kwezabo toxic impahla yexabiso i-bank ekubeni reorganized. Ngexesha elinye, ke? unclear indlela entsha yokusebenza kusebenza. I-Central Bank ngu a regulator, hayi kwimakethi competitor, kwaye sele akukho amava ukulawula abarhwebayo iibhanki. Likwakwazi unclear njani i-Central Bank ngu nicinge ukulawula i-banking ishishini lo gama ngaxeshanye isithethi njengoko i-industry-nxaxheba.

Ukuba ke nzima ukuba kuthi

Kwesinye isandla, Otkritie sele omtsha umnini: endaweni iqela private abantu, ubambe inkampani ngoku ngowethu ezona zinamandla-mali iziko kweli lizwe. I-Central Bank ngqo baqinisekisa ukuba zonke iibhanki ngaphakathi Otkritie ubambe iqela liza kuqhubeka yokusebenza njengoko eqhelekileyo. I-iibhanki’ licenses uphumelele khange sibe sirhoxisiwe, kwii-ofisi zabo baya kusala vula, kwaye theoretically ukuba kunokuthetha yonke into iza kuqhubeka njengoko ngaphambili. Kwesinye isandla, ke ukwenzeka ukuthi njani ndivuma kakhulu le iindaba iza kuchaphazela Otkritie ke abathengi, okanye ukuba oku kuza provoke a ahamba kuyo naliphi iibhanki. Ukuba abaxhasi begin withdrawing zabo imali en masse (kwaye Central Bank sele wathembisa ukuba uphumelele khange imposiso yorhwebo lwangaphakathi a moratorium kwi-creditors’ amabango), zoko izakuba unpredictable