Gịnị bụ ghara ịgbanwe nke anoghi n'ulo oba? Bank ịkwado: ihe na-eme ka depositors

Na 2013 - 2014, ọtụtụ Russian mmiri ndị Central Bank kagburu ikike. Nke a bụghị naanị mere ka egwu n'etiti depositors, ma see ọzọ n'aka òtù. Ahịa malitere ego ọbụna site ego kwụsie ike nke bịara n'ikperé mmiri. N'ihi na oge mbụ na a ogologo oge, okwu dara nnọọ oké "reorganization." Nso ke ọwọrọ a usoro nnapụta ego site ala oru? Ke ibuotikọ emi ị ga-amụta ihe ndị reorganization nke bịara n'ikperé mmiri.

definition

A set nke usoro iji na-eweghachiri ego na ala - akụ mkpebi. Gịnị ka ọ pụtara? Ọ bụrụ na ọ bụ ike izere odida nke a ego alụmdi, na management nke ụlọ akụ ga-agafere nke Agency for ego Insurance Agency (DIA). Idebe bara uru ahịa ndị nyekwara ego, n'ihi na ọ na-enye gị ohere iji zọpụta ego nile nyekwara. Ọ bụrụ na ụlọ akụ ka napụrụ ikike, ndị DIA nwere ike naghachi naanị a òkè nke uru nke nkwụnye ego. Ma ọ bụrụ na e nwere ihe ọṅụ onye aka ekedep a n'aka alụmdi dị ka a dum, na-erite uru na-ụlọ ọrụ iwu kwadoro, dị ka ga-anọgide na-eje ozi site na nzukọ. The ọhụrụ nwe-eji dị iche iche nke jikoro restructure na akaụntụ nkwụnye na ịlụ Bibie illiquid akụ. Nke ahụ bụ ihe ghara ịgbanwe nke bịara n'ikperé mmiri. Ma, ọ na-adịkarịghị rụrụ. Ọ bụrụ na oghere na itule mpempe akwụkwọ kwekọrọ na olu nke akụ, ọ na-adịghị ga-esi na-eme ihe ọ bụla.

Remediation a rụrụ ma ọ bụrụ na:

- Bank bụ ịrịba maka aku na uba nke a mba ma ọ bụ otu mpaghara ( "ịdị n'otu" ke Samara mpaghara);

- a n'aka alụmdi bụ anụ, ma chere ihu na a nwa oge enweghị liquidity n'ihi na ụjọ nke ndị bi na (Gazenergobank).

The mkpebi site CBR. Ọzọkwa, ego Insurance Agency (DIA) na-enye obere management nke ụlọ akụ ya ruo mgbe akụ na-agafere ọzọ ego alụmdi. Ọ ga-ga-ekenyela maka mweghachi nke solvency na ugwo ibu ọrụ. Mgbe ụfọdụ DIA ike ịrụzi nsogbu na ya akụ. Ma ọtụtụ mgbe na-achọ investors. Ọ ga-abụ a pụrụ ịdabere na ego alụmdi mgbe niile a nti ahụmahụ nke mma n'oge gara aga. Recoverable ego nke ụlọ akụ nwere ike inwe isi obodo atọ na isi mmalite: si Central Bank, ACB na nkeonwe ọṅụ. Nke ahụ bụ ihe ghara ịgbanwe nke bịara n'ikperé mmiri.

mma akụkụ

mgbake usoro enyere ndị na ụlọ ọrụ iwu kwadoro ịnọgide na-enwe ego na zuru. Na ihe omume nke a akụ ọdịda nke enterprise ga-atụfu ndụ ha ego, na ndị nkịtị ụmụ amaala ga naanị ikere 700 puku. Rubles. Remediation-enye gị ohere ka n'ụzọ zuru ezu weghachi ọrụ nke ego alụmdi. The ọzọ isi obodo na-enye ohere iji zọpụta ọrụ na ngwa ngwa dozie ugbu a nsogbu.

Gịnị bụ abamuru nke ọṅụ

The ala-azọpụta naanị ndị dị ike ma ọ bụ regionally mkpa obot. Mmepe nke azụmahịa na ụba obi ike na ọṅụ site na mpaghara oru-eme nnọọ ka agwọ nke ụlọ akụ. Gịnị ka ọ pụtara? N'ọnọdụ ego ego na alụmdi na-enweta a òkè nke isi obodo, ngwaahịa akara nzukọ, akụrụngwa ike na ya ahịa isi. All ndị a data bụ ihe ọṅụ ga-enwe ike iji synergies na ya ọzọ na-eme.

usoro

The ndabere maka reorganization bụ ezigbo ohere iji weghachi akụ si solvency. mgbake usoro ekwesịghị gafere 1.5 afọ. Ọ bụrụ na n'ime afọ atọ na-gbara akwụkwọ ọzọ na-azọrọ na odida ikpe, ụlọ akụ ike-re-eduzi ndị reorganization.

Mgbe afọ ojuju nke arịrịọ, itie ikpe ọkwa mpi maka ikere òkè na mgbake usoro. Isi ntụziaka iji weghachi akụ si solvency: Ihe ejiri yigharia nke ịkwụ ụgwọ nke agbụ nyere, na a ọnụ nke ya%, inye ọhụrụ CBA, ndokwa nke ọzọ mgbazinye ego, ndọtị nke mbụ natara mgbazinye ego, wdg Nga emptive nri isonye na reorganization bụ ụgwọ nke ụlọ akụ nwe na mkpara ya.

Bank ocha: ihe na-eme ka depositors

Ọ dị mkpa ka i cheta na n'oge na usoro iji weghachi ego ọnọdụ nke nzukọ, niile ahịa akaụntụ ga-echekwara. Bank na-enweta ọzọ isi obodo, nke a ga-iji na-ebibi ndị nile na nke ugbu a na nsogbu na-liquidity. Na mbụ, ụmụ akwụkwọ nọ n'ụlọ akwụkwọ siri ike na-enyere ndị na-adịghị ike. Ugbu a, otu na-eme na-etinyere na ichekwa ego na bank oru. Ya mere, ihe kasị mkpa na ọnọdụ a - anaghị masịrị ya. Ọ bụrụgodị na management mara ọkwa na nwa oge "freezes" niile n'aka iweghachi ego depositors nwere ike, ma ọ ga-ewe oge ụfọdụ.

Ọ dị mkpa ịmata ihe dị iche echiche nke "ghara ịgbanwe" na "odida". Nke abụọ ahụ, nloghachi nke ụmụ amaala na ego nke ruo 700 puku. Ruble ekwe nkwa DIA. Dị ka Iwu "On insurance nke onye ego na na Russian anoghi n'ulo oba 'ịkwụ ụgwọ ga-amalite n'ime 14 ụbọchị mgbe Nwepu nke ụlọ akụ si ikike. Ma na omume, oge ga-agafe ihe ndị ọzọ. Ma ọ bụ ọbụna ebe a na ACB ike ozugbo laghachi ego na-ekwe nkwa ọzọ mmasị. Ọtụtụ ihe ndị ọzọ oge ga-nọrọ na analysis nke ego ọnọdụ na ihe yiri nkata nke depositors.

Ụlọ ọrụ na oru buu igba n'ulo naghachi ha ego, dịcha agaghị. Dị ka Federal Iwu "On insolvency nke Ebe E Si Nweta Organizations", dị na-ekwu ga-enwe afọ ojuju n'elu ugwo nke ibu ọrụ ndị mmadụ n'otu n'otu, ACB na Central Bank, ọ bụrụhaala na ego alụmdi ga-ka nwere ndị na-esi. Ya mere, ọ dị mkpa na e nwere ihe ọṅụ onye ga-enwe ike iji weghachi solvency nke nzukọ.

Ezie na ọtụtụ anoghi n'ulo oba na-kagburu ikikere na afo gara-aga, ndị na ngwaahịa ego na Agency ka nwere. Ọ bụrụ na ego na-agba, bụ Central Bank ga-enye ndị ọzọ ego site na-esite tupu mba ego. Mweda nwere ike swipe na ndị nwe mba ọzọ ego nkwụnye ego. Na nchikota ha ego na mmasị ga gafere 700 puku rubles. Ndị nwe ruble ego na na-enwe ike ịlaghachi ha ego ha, ma site na oge ha ga-ukwuu chiri. Ya mere, na nke a, anyị nwere ike nye ndụmọdụ na-esonụ: na mbu ndumodu nke a ike mweda nke ego, na-ezo aka ụlọ akụ n'alaka ụlọ ọrụ na a arịrịọ "bibie" gị ego n'ime ọtụtụ akụkụ. Ọbụna mma - na eme nke onyinye ikwu. Na-eduzi a cashless azụmahịa i nwere ike ịjụ, n'ihi na n'ezie ego n'ụlọ akụ na ị na-adịghị-ewepụ.

Gịnị ga-eme mgbe ahụ

N'elu ẹkụre nke reorganization usoro ọhụrụ ọṅụ onwe na-eme ka a mkpebi ma na-ika, azụmahịa nlereanya, na a otu nke ọrụ ma ọ bụ ịzụlite ihe niile si ọkọ. Ọtụtụ mgbe ha na-agbanwe. CB eme mkpebi a na-apụghị imetụta.

Bank mkpebi 2014

N'oge gara aga afọ, ọtụtụ mere egwu ozi ọma nke iwebata ihe obere oge ochichi na otu nke kasị okenye agbazinye oru na mba. Anyị na-ekwu okwu banyere OAO "Baltic Bank" (St. Petersburg). Remediation nke ego oru malitere na August 2014. Iji weghachite liquidity nke Central Bank ibido ekenyela 10 ijeri rubles. ACB ẹkenịmde a mpi maka ikere òkè usoro maka mgbake nke n'aka nzukọ "Baltic Bank". Idebe ka e ruo ọnwa ise. Na-na usoro nke a ọhụrụ ọṅụ JSC "Alfa-Bank". N'oge a, ọtụtụ ahịa na-ama chere na mgbanwe na nzukọ. Brand na azụmahịa nlereanya agbanwebeghị. Kama nke ahụ, ndị ahịa nwere ike ugbu a ịdọrọ ego si ọzọ 5,000 ATMs nke "Alpha" ọ dịghị ọrụ. ụlọ ọrụ netwọk ngwa ngwa wughachi agaghị. Management a na-obi ike na udu na ego na kaadị nkwekọrịta ga-anọgide na-agbanweghi agbanwe ruo mgbe ọgwụgwụ nke ha okwu. Tupu mgbe ahụ, "Alfa-Bank" abuana ke ghara ịgbanwe nke "Northern atụnye". Nke a ego alụmdi mgbe mweghachi e wepụwo na jikọọ na ọṅụ. A yiri eke na-echere "Baltic Bank". Remediation ga na-efu nke mmefu ego ego na ego nke 57 ijeri., The ọṅụ natara a mma 0,51%.

adịbeghị anya ozi ọma

18.11.2014 ọ kọrọ na DIA emewo ndị ọrụ nke a nwa oge nchịkwa na management nke "ibu". Na mgbakwunye na eponymous n'aka alụmdi, ọ na-agụnye anọ ndị ọzọ oru: "Cedar", "Akkobank", "ska", "Tveruniversalbank". Na October 2014, ndị Central Bank wee nwale nke ego ọnọdụ nke na-ejide ụlọ ọrụ, na ihe nke gosiri mkpa ịme jikoro iji gbochie odida. Ugbu a DIA na-emepe emepe atụmatụ mma ahụ ike nke onye ọ bụla nke na ise n'aka oru. Nke ahụ bụ ihe reorganization nke ichekwa ego na bank otu.

nchịkọta

Ọ bụrụ na ụlọ akụ ekere òkè dị mkpa na aku na uba ma ọ bụ ihu a nwa oge enweghị liquidity, ndị Central Bank nwere ike na-amalite usoro nke mgbake nzukọ. Na nke a, na DIA eburu ọrụ nke nwa oge nchịkwa. Ke ukem na ego analysis of investors mara ọkwa a zoo na ike iweghachi ihe solvency nke nzukọ. Nke ahụ bụ ihe ghara ịgbanwe nke bịara n'ikperé mmiri.