Recapitalisation - ke ... Act nokutjhugulula amabhange

Bank ukwakha ngezimali kungaqinisekisa kwato zezimali kanye nokusebenza izibopho uma kwenzeka izinkinga. Umthamo izimali siqu kumelwe ledlula inani esezingeni isilinganiso dolobha nokwanela. Lesi sakamuva uhlobo amakhasimende umshwalense. Kubonisa ukuthi ibhange unesithakazelo umsebenzi evamile emakethe. Phela, uma bamasheya ukutshala imali izimali zabo, ke iqinisekisa ukuthi iyitshalwa ngokunakekela ngenxa manje. Kodwa nge ukuwohloka elibukhali izinga loan iphothifoliyo dolobha nokwanela isilinganiso ongafinyelela imikhawulo. Kulokhu, ibhange nezingozi ukulahlekelwa ilayisensi.

phumela

Ukuvimbela nesimo esibucayi, Central Bank kuthatha izinyathelo ekulinganiseni isimo sezimali zenhlangano. ofeleba engeziwe - yilungiselelo yiBhange yeRussia baya credit izikhungo subordinated loan. He is ingxenye eyengeziwe uxhaso. Lokhu kusho ukuthi uma ucabanga, izikweletu ukuze Central Bank eziyokhishwa zokugcina. Umthetho kuthiwa kanye nezinga oda iqhaza yembuso inqubo. ukubolekisa enjalo ingase anikezwe ngokungaqondile, ngokusebenzisa Agency for umshwalense idiphozi (DIA) e ifomu izibopho of federal loan izibopho (OFZ). Kusetshenziswe amacebo afanayo, ne zezimali Inkinga 2008 ngonyaka.

izindaba kwakamuva

Ngo-December 2014 uMongameli Russian wasayina umthetho ku ofeleba ezengeziwe amabhange engamaphesenti ruble 1 trillion. Uhlu DIA "lucky" eshicilelwe ngo-February 2015. Ukubolekwa kwemali kuzonikezwa hhayi kuphela ngokusebenzisa BFL, kodwa futhi ezivamile ukubolekisa subordinated. Lokhu kuzosiza ACB ukuxazulula inkinga ka ofeleba kwamabhange. Abafaka izicelo kumele athumele ukuba 01/06/2015 bavumelana ukuthola nokuzinikela kwabo Agency kanye Central Bank - ukuhlinzekela izidingo eziqondene lesikhungo.

izimo

IBhange kufanele, ezinyangeni ezingu-36 landa ngamaphesenti angaphezu kuka-1% ngevolumu mortgage loans, ukubolekisa ukuze amabhizinisi amancane kanye naphakathi. Libuye okufana okungenzeka notshwala imali bebheke kule mikhakha ebaluleke kakhulu emnothweni. Enye imfuneko ukwandisa inhlokodolobha ukwaba ngo-50% imali abayithole ngokuthengisa inzuzo noma ukutshalwa kwezimali bamasheya. Amabhange ezilandelayo izinyanga 36 Abakwazi ukuvusa inkokhelo ukuze abasebenzi. Isici wesibili ngokwezinga elikhulu futhi ukhuza umhlahlandlela kusukela isinqumo iqhaza kuhlelo. Recapitalisation - lokhu usizo, elitholakala ezimweni ezinzima kakhulu.

Ingqikithi inqubo

Ukuze kwetimboni umnotho kudinga eningi ukumnika netisebenti tembuso. Ithonya zimali angaphandle kufanele kungagcini. Amabhange ziyadingeka ukukhipha ilitshe ukubolekisa ezinkulu. Lokhu nokutjhugulula ngokwengxenye okuhloswe. Inhlangano ongawamukeli imali "bukhoma", futhi OFZ. Ngesikhathi esifanayo wayezoba ukuheha inani elifanayo bebodwa. Thola engxenyeni yesine lemali ekhona kwezimali siqu, okuyinto yena, kumele singeqi ruble 25 bhiliyoni. Okungukuthi, osonhlamvukazi eyengeziwe - elithile nomthamo amabhange lesifunda ezingase ukuthatha isikhundla namandla emakethe futhi ukuthuthukisa ngokuzimela. Lokhu kuqinisekiswa imigomo zohlelo: inhlangano kumelwe kube njalo ngenyanga ukwanda loan iphothifoliyo-1% noma ngaphezulu.

Ulwazi olutholakale emazweni omhlaba

Inkinga yokungabi 2009 uye wasibonisa ukuphumelela kwalesi indlela. Khona-ke uhulumeni wase-US uye wanikeza izigidigidi zamadola ukubuyisela isimo sezimali of credit izikhungo ngaphandle unswinyo. iminyaka 4 kamuva Ibhange European waxhasa lo izikhungo ngesiGreki esibalelwa euro ayizigidi eziyizinkulungwane ezingu-50. Ngemva kuqiniswa of isimo zimali uthola inetha inzuzo nezinhlangano. Yingakho kubalulekile ukuthi njengoba last Sasinjani isimo.

Umthamo izimali siqu of credit izikhungo yehlile ngenxa nezidingo Central Bank ukwakha izinqolobane. Ingxenye izimali livela kuphela ephepheni: overpriced OS, imishini, amabhilidi kanye nezinye izimpahla ezingaqhubeka ngeke sisetshenziswe njengesigungu imithombo ngezimali. Ukuze ulawule isimo, Central Bank abeka kuyo izindinganiso ekhethekile bese sihlola ukubona uma inhlangano amathuba dolobha.

Ukuze wenze lokhu, uvivinyo ukucindezeleka aphethwe. ingozi ukuhlaziywa ochwepheshe bahlelekela, njengoba izinqubo eziyinkimbinkimbi kwezomnotho kungathinta isikhungo. Okwazekayo, isheke enjalo kufanele kwenzeke njalo emva kwezinyanga ezintathu. E-Ukraine, sekuyisikhathi sokugcina kwenziwe ngesicelo IMF ngo-2014. Khona-ke ochwepheshe njengokusoka dolobha obungasabela ngayo icala outflow imali kanye nokukhula izikweletu. Ngokusho imiphumela kwanqunywa ukuba nosonhlamvukazi.

On amathemba ukuthuthukiswa emakethe mortgage

Ministry of Finance ulindele ukuthi amabhange uzokwazi ukwandisa ivolumu uwukuboleka ingcebo ngo-15%. Kuyinto omunye umgomo, okuyinto iqondiswa nokutjhugulula. Kusho ukuthini? Amabhange ngeke ukwazi ukusebenzisa imali yokuthenga lwemali, njengoba kwenzeka ngo-2008. Lokhu kuyizindaba ezimnandi. Kodwa ukwandisa uwukuboleka edingekayo kuyoba nzima kakhulu. Ingabe kufanele kuncishiswe inzalo engako, futhi athathe ingxenye izibopho. Sivumelana kule, akuzona zonke izinhlangano. Njengoba ukwanda dolobha - ke yokuzithandela, i- "VTB 24" futhi "Rosbank" Wenqabile iqhaza kuhlelo, kuphikisana neqiniso lokuthi bakuphi inzuzo eyanele.

On abathengi ezingaba bathonywe izinto eziningi: izimo ngesikweletu, ngivuka efulethini amanani ziqiniseke engenayo ezinzile. Ukwehla okuncane izinga kungenziwa offset ngamanye Imali nyangazonke. Cishe isilinganiso esinjalo kuzokhulisa ukufunwa le sevisi. Nokuthathelwa at ongaphakeme zenzalo angakhipha kuphela labo ababoleka nge ephelele Umlando wokukhokha kwemali. Bank Lesi sikhundla buyafaneleka. Futhi nje, akuzona zonke umboleki angaqiniseka ukuthi solvency yayo akusho ziwohloka eminyakeni 10-15 esilandelayo.

Ochwepheshe babikezela ukuthi kube nomphumela omuhle yokwanda dolobha kuzoholela amazinga aphansi, okwandisa izimfuno ingxenye "umnotho", lapho isabelo mortgage ukuthengiselana kuyinto 80%. Abantu ngombuzo ukuthenga indawo sibi, ukusizakala ukwehla elincane amaphesenti. Ezinye izindaba zika-abathengi cishe uzolinda ukushintsha okuphawulekayo endleleni izindleko zesikweletu. I isabelo mortgage ukuthengiselana ingxenye premium, akuvamile idlula 20%. Ngakho-ke, ushintsho izinga akunakwenzeka ukuba sinomthelela funa. Iningi abathengi ingcebo ukukhokha izitolimende izimo ngabanye.

Bank nokutjhugulula: udinga ukwazi depositor

1. Lesi isilinganiso isetshenziswa ukwandisa amafa ukumboza ukulahlekelwa noma. Umqalisi kwabanikazi bamasheya bangaphakela inqubo. Kulokhu sikhuluma ukhulisa izimali sokubolekwayo entsha.

2. Ukuba khona izinkinga ebhange akusho ukuthi kudingeka imali. Mhlawumbe Central Bank elibuyekeziwe namazinga, kanye nesikhungo credit akwanele inzuzo zanqwabelana eminyakeni eyedlule ukuze kuzuzwe okuhlosiwe. Nakuba nokutjhugulula amabhange Ukraine ngo-2014 aklanyelwe ukumboza ukulahlekelwa.

3. Okokuqala, ukusungulwa izikhalazo kubanikazi bamasheya. Uma bengakwazi ngezimali inhlangano, ukuqala ukuhlola zimali bangaphandle. UMthetho ofeleba ezengeziwe amabhange kudinga ukuthi zonke izinguquko yenhloko-dolobha ogunyaziwe kumele zibhaliswe ne Central Bank. Ngemva nokufaka izimali ku-akhawunti kanye ingasetshenziswa njenganoma yimuphi nje omunye kwempahla.

4. Uma ukuheha izikweletu dolobha kwakungenakwenzeka ukumboza ukulahlekelwa, ibhange kufanele noma cisha ivolumu lwebhizinisi noma kwavala.

5. ezengeziwe ofeleba - isincomo, akuyona imfuneko. Ukwanda dolobha akuqinisekisi ukusimama sezimali zenhlangano. Uma bamasheya abangathembekile ke izimali zingasetshenziswa nigcwalise iphothifoliyo loan. Kulokhu, kungenzeka ukuthi ngemva kwesikhathi esithile, inhlangano waphinda kuphakama isidingo usizo lwezimali.

isiphetho

Enye yezindlela engasetshenziswa ekulinganiseni nesimo esingokwezimali credit izikhungo - Capital Yandisa. Kuyini lokhu? Ukunikeza usizo lwezimali ebhange kusukela bamasheya, Central Bank noma ezinye zezinhlangano zamazwe omhlaba jikelele. UMongameli Russian ngasekupheleni 2014 usayine umthetho 27 tikhungo tetifundza bengathola ngaphansi okuyinto loan subordinated. Kodwa ngilangazelela kancane, ngoba izimo imalimboleko zibukhali kakhulu.