Банковские учреждения в развивающихся странах (том 1) by World Bank Russia

РОССИЙСКАЯ ФЕДЕРАЦИЯ

Банковские учреждения в развивающихся странах Том 1: Укрепление руководства и повышение чувствительности к переменам Документ Всемирного банка Информационный центр в России

финансы и инвестиции

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Library of Congress Cataloging-in-Publication Data Banking institutions in developing markets. p. cm. Includes bibliographical references. Contents: v. 1. Building strong management and responding to change / Diana McNaughton ... [et al.] - v.

2. Interpreting financial statements

/ Chris J. Barltrop, Diana McNaughton.

ISBN 0-8213-2217-6 (v. 1.) - ISBN 0-8213-2218-4 (v. 2.) 1. Banks and banking - Developing countries. 2. Bank management - Developing countries. 3. Financial statements - Developing countries. 1. McNaughton, Diana, 1942- . II. Barltrop, Christopher, 1940HG3550.b36 1992 332.1'09172'4 - dc2O

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15 firrHpoBaio no BaAuTep 1988,

CTp.

81.

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CHCTeMa

AASI HHX noAe3Ha.

3. B

geAom 6oAbInHHCTBO PyROBOAHTeAefi npeBbulmaeT 3aTpaTbl Ha riAaHHpOBaHHe.

4. B.

6. 7. 8. 9. 10.

Heo6xOAHMbI

Cepbe3Hbie H3MeHeHHH

cqHTalOT,

'ITO

BbirOAa

B CHCTeMe cTpaTerHqecKoro

rLAaHHPOBaHHS

nAaHHpoBaHHH.

4aeT AH cscTeMa "npaBHAbHbIeW OTBeTbi H peByAbTaThi? Pa.3pa6oTKa OCHOBHOH !eAH 6aHKa H 6aHKoBcKoii AeRTeAbHOCTH. HpeABHAeHHe KpyIIHbIX nlOAe3HbIX BO3MO2HOCTeH B 6yAyMueM. lpe4ABHeHHe OCHOBHbIX OriaCHOCTeH B 6yAyJjjeM. FpaBHAbHasi OmeHKa CHAbHblX CTOpOH 6aHKa. HpaBHAbHaR OBeHKa CAa6bix CTOpOH 6aHKa. 3

c)qpeKTHBHoe onpeAeAeHHe H OBeHKa OCHOBHblX CTpaTerHH KOHKypeHTa.

11. OnpeAeAeHHe npHOpHTeTOB nporpaMMbI AeRCTBHH. 12. Pa3pa6oTma nOAe3HbIX AOArOCpO'IHbIX 3aAaq.

13. 14.

Pa3pa6oTKa nIOAeSHbIX AOArOCpO'HbIX cTpaTerHii. Pa3pa6oTKa KpaTKOCPO'1HbIX H CpeAHecpOqHbIX nporpaMM CTpaTerHH.

15. O6HapymeHHe

npOcpHAaKTHKa CTpaTerH'eCKHX

Ae4CTBHH

AAS

IUOKOB.

16.

CoBepmueHCTBOBaHHe

17.

o6maaTeAbCTBa, npH6blAb, AOXOAbl Ha aKTHBbl, AOXOAbI Ha aKtHH. Pa6oTa 6aHKa cTaAa Ay'qiue no cpaBHeHHlO C ApyrHMH yYpe2rAeHHaMH,

noKa3aTeAeH

peaAH3aHa

(pHHaHCOBOH

AeRTeAbHOCTH

6aHIKa:

aKTTHBbi,

KOTOpbie

npOBOAHAH ii1HpoKorO H BceoxBaTbiBaiOgero rIAaHHpOBaHHH.

nlpeAyCMaTpHsaeT AH CHCTeMa UeHHbIe AIonOAHHTeAbHbIe BbIFOAbl? CHCTeMa yAyq'uHAa Ka,ieCTBO ynpaBAeHHR. 19. CHCTeMa npeACTaBAReT co6of YHHCPHgHPYJOIJYIO KOOPAHHHPYIOUWYO CHAy B 6aHIIe.

18.

20.

CHCTeMa

CAY?KHT COBepUleHCTBOBaHHIO o6uleHH31 H COTpyAHHqeCTBa no Bcemy 6aHiy.

r. FIOCTpOeHHe

CHCTeMbi DAaHHPOBaHHs 21. rAaBHoe PyKOBOACTBO npHHSLO HAeio, 9TO cTpaTerH'ecKoe riAaHHpoBaHe OCHOBHOH OTBeTCTBeHHOCTbIO.

22. CHCTeMa

COOTBeTCTBYCT CTHAIO pyrOBOACTBa 6aHica.

sBAAR-TcS ero

Yrpeiuezwe pJyOBO,CTaa N nosBMWieHI

23. CHCTeMa

COOTBeTCTByeT

nOTpe6HocTRM

mJnmAbHocrm ic iepemeam

6aHiKa B npoMecce

npHHRTHR cTpaTerH4ecKMX

pelmeHHH.

24.

oAo6peHo

nlAaHHpOBaHHe

KopnopaTHBHoe

AHHeHHblMH

noAAep2KHaeTcx

PYKOBOAHTeARMH H nepCOHaAOM.

25. CHcTeMa npHHWTHR CTpaTerH'eCKHX peuieHHH XOpOMo pa6oTaeT B 6aHKe.

26.

n1pHeMAeMbie

HCflOAb3yeT

CHCTeMa

nOHHMaeMbie

KOHIrengHH,

COrAacy1olIHecR

HHTepeCaMH 6aHKoBcKoro AeAa.

aq34eRTHBeH AH

27.

BblClcee

npoMecc nAaHEpoDaHHS?

PYKOBOACTBO

TpaTHT

pa3yMHOe

ROAHqeCTBO

BpeMeHH

CTpaTerHYecKoe

nAaHHpOBaHHe.

28. AHHeiiHbie

pyKoBoAhTreAH npHHHMaioT nAaHHPOBaHHe He TOAbKO Ha CAOBaX,

HO H Ha

AeAe.

29. AHHefiHbie

COOTBTCTByiou.ee

TpaTRT

pyKoBoAHreAH

KOAHIeCTBO

BpeMeHH

pa3pa6oTKy CTpaTerH'eCKHX nAaHOB.

30.

HpogeAypbi nAaHa rlpHeM.AeMbl H pa3yMHbl.

31.

HIpoUeAypbi xopomo nOHHMaITCH B 6aHKe.

32.

Pa6o'iaR Harpy3Ka,

rapaHTHpyiou;aR BbInoAHeHHe rnAaHa, npHeMAeMa AAR pyKoBoAcTsa

H AAR nepCOHaAa.

33. 34.

HlpoMecc gqXqeKTHBeH B OCy3eCTBAeHHH rAy6oKoro CTpaTerHmecKoro o6AymbiBawHm.

rlpogecc

npeACTaBAReTCH

H3AHMUHe

KaK

HerH6KHU,

pyTHHHblH

CAHUIKOM

3aqopMaAH30BaHHbIfH. o6blIHo npHBeTCTByIoTCR.

35. HoBbie HAeH

36. PyKoBoAHTeAH

peaAbHO BHART cAa6OcTH 6aHKa npH pa3pa6oTKe

nAaHOB H cTapaarOTc

npeOAOAeTb HX.

37.

OTAeAbi nIoAyqalOT AOCTaTOnHyiO nOMOUlb H noAAepCPlKy OT UeHTpaAbHOrO pyKOBO4CTBa

q4cpeKTHBHOrO nAaHHpOBaHHR

AAR OCygeCTBAeHHR

38.

OTAeAbi flOAy4aIOT IOAAepCKKY

H IlOMOUeb llpH pa3pa6oTKe HAaHOB OT

UeITpaAbHOrO

pyKOBO4CTBa.

39. Crioco6HOCTb

pyKOBOAHTeAeUi

IlOHHMaTb H OCYIeCTBARTb nAaHHPOBaHHe I1pHHHMaeTCH

yqHTb!BaeTcR npH ogeHKe Hx pa6oTbl.

I1pHAo2KeCHe 9

nFpoeKUHOHHaR moAeAb 6anwa

Ta MOAeAb (CM. Ta6AHUy

osepeAb AAR KoMMepCeCKHx OTqeT, qHHaHcoBbli H

o6H3aTeAbcTB

IyBCTBHTeAbHOCTH

2B.1)

paspa6oTaHa AAR (PHHaHCOBbIX HOCPeAHHKOB, B nepByIo 6aHKoB H 6aHKoB pa3BwTHR. OHa nporHo3HpyeT 6aAaHcoBlHi

OTeT, OCHOBHbie CPHHaHcOBbie noKa3aTeAH H BbiRBARL-T CTpyKTypy aKTHBOB B H

npOgeHTax. OUeHHBaTb

OHa

nO3BOAReT

pe3yAbTaT

BAURHHR

pa3AH"IHbIe CUeHapHRx. MOAeAb COCTOHT H3 CAeAyiOIJHX KOMnOHeHTOB:

noAb3OBamTAio pasAHqHbix

npOBOAHTb

np0OgeHTHblX

afaA3H CTaBOK

nMamoposmmire

BaAaHcoBoro oTqeTa.

(DHHaHcoBoro oTreTa.

OCHOBHbiX q3HHaHCOBbIX noKa3aTeAeH PeS3yAbTaTOB AesTeAbHOCTH. pOprHO3HbIX npeAnoAo2KeHHH.

* 3

TblCfMaX,

HAH

MHAAHOHaX

BbipaMCHbI

OT'eT

(PHHaHCOBbliH

OTTqeT

B aAaHCOBblH

3aBHCHMOCTH OT CTOHMOCTH BaAIOTbl.

Bce

npofleHTbi

npHHOC.Ue

aKTHBbl,

crpynnHPOBaHbi no TeMnaM

H Bce o6H3aTeAbcTBa

pOcTa, a TaKmKe no npOUeHTHOH CTaBKe (3a HCKAJiloeHHCM pe3epBa B rOCyAapCTBeHHbiX 1eHHbiX 6yMarax). Bce aKTHBbI H o6H3aTeAbcTBa, He npHHOCqJ1He npOUCHTOB, HMeyrT COOTBeTCTByIO1JHe

KpeAHTaM,

pe3epBOB Ha nOKpbITHe y6blTKoB no

(3a HCKA1OCHHeM ACHe2KHbIX pe3epBoB,

TeMnbi pOCTa

H pe3epBOB HaAorOBbIX HanHCAeHHH). KOHKpcTHb!M

OTHOCHTCH

3aMeiaHHH

CAeAy10IgHe

pa3AeAaM

6aAaHca

(pHHaHCoBOrO

OTWeToB, KOTOpbIe OCHOBbIBalOTCH Ha OnpcAcAeHHbIX npeAnOCbIAKaX.

RaAaHcoRbhi OTWeT HaAmHiHbie cpeACTRa pa36HaalOTCa HaAUqHOCTH BTOM

oTpamaeT Tpe6oBaHHJ9 pe3epBOB, KOTOpbie AOA2HbI HMeTb qpOpMy HaAH'IHblX.

6blTb cKoppeKTHPOBaHa peryAHpOBaHH9

KOHKpeTHOM

CTpaHe

H/HAH B

(popMyAa AOA2KHa

cAy'iae,

6aHKe.

KOHKpeTHOM

Aeno-3TOB.

KaTeropHH

C Tpe6oBaHHIMH

Ha COOTBeTCTByioujyio nponOpUH1o B COOTBeTCTBHH

B KOHKpeTHOU

rocyAapCTBeHHbIX

B Ka2KAoM

BapbHpyeTCH

KamAoH

CyMM

npOgeHTib

onpeAeAeHHbIe

HaXoAFfCrH

cqeTy

IOCKOAbKy BTO Tpe6oBaHHe

pe3epBbl

Ha ABa KoMnOHeHTa: CTpOKa, KOTOpaH rAaCHT

To'HO

me,

TaK

'IaCTb

6ymar oTpamaeT pe3epBHbie Tpe6oBaHHR H TOsHO TaK mKe AoA2KHa

MeHHbix

blTb CKOppeKTHpOBaHa B COOTBeTCTBHH C KOHKpeTHbIMH Tpe6oBaHHRMH. Me2K6aHKOBCKne

cpeACTBa

npeACTaBAReT

co6oi

aKTHBOB B 6aAaHcOBOM oTqeTe, ApyrHMH CAOBaMH,

o6asaTeAbcTBa npog,eHTHbIM ocTaBHTb

PeBepBbl

HcnpaBAAH}r

6aHKa" H

KanHTaA

CTaBKaM

TaKoe

BMeCTe.

B3HTbie

H aBTOMaTH'IeCKH

C ApyroH

HepaBHOBeCHe,

CTOpOHC

CTaTbI0

KOrAa aKTHBbi MeHbi1Ie CyMMb! KanirTaAa H

o6H3aTeAbCTB, 3TOT cqeT 6yAeT nloKpbIBaTb pa3HHUy. UeHTpaAbHorO

6aAaHCHpyIOU

TH pa3AeAbI

KoppeKTHpyIOTcH.

3"HMCTBoBaHHR

CTOpOHbl,

KorAa

nlpHBH3aHbI

npeBbilal(Or

aKTHBbi

K COOTBeTCTByOjujHM Heo6xoAHMo

CAeAoBaTeAbHo,

npH6aBAeHHe

-IHCTO

H3MeHeHHH.

H eepacllpejeAeHHaH

6 kIpR blAb

OTpa2xaioT

lnpH6blAH

TeKyujero roAa 3a Bbi'eToM Bcex Heo6xoAHMblx noKa3aTeAeH 3a npOuiAbIH roA.

OTqeT o .joxo4ax npogieHTHbIH

AOXOA

BTO

CyMMa

BCex

npOgeHToB,

6 3apa oTaHHbtx

BCeM

cqeTaM

aRTHBOB, npHHOCRJIHX npOeHTbI. TO%HO TaK me, pacxoA no npoUeHTam npeACTaBAHeT co6o0 6 CyMMy Bcex npOUeHTOB, BbIL1AaxeHHbIx no BCCM O6a3aTeAbCTBaM, no KOTOpbIM HeO xoAHMo ynAaIHBaTb npOgeHT.

PeBepa pacxoAoB OTpamKaeT H3MeHeHHe KpeAHTOB

Sa npoulAbIH

rOA no cpaBHeHHIO

cymme pe3epBa

C HbIHeIIIHHM

Ha noKpblTHe HeBo3BBpaigeHHbNX

rOAOM

nAIOc

MHCTbie

y6bITKA no

Ympeizueme p7EomoAcrma o5 H onBhIIJeJC KpeAHTaM, o2KHAaembie B Tex'eHHe roAa.

m sore1NNeAhHoc1w Ar zepemeoav

B Haiiiem

npHmepe MbI nOAaraeM,

RiTo qHCThZe y6brrm

PaBHbl HYAJO. HaAorH,

HaqHCAeHHbie

AAI

ynAaTbl,

FCpeACTaBAHIOT

onpeAeAeHHyl'aCTb

RHCTO

npH6bL&H A0 Bbi-eTa HaAorOB. 41BKAeHAbl HaAoroB.

Bbl'IHCAS£IITCSI

PaccqeTbi AeAaK0TCR

KaK Ha

KOHKpeTHbiH

OCHOBaHHH

npoueHT

OnlbiTa

qHCTOfi

BbiflAaTbI

UPH6biAH

AHBHAeHAOB

nlOCAe alK

ylAaTbi

npogeHTa

llpH6blAH B HpeAbiAylgHe rOAbI. C06CTBeHHbIe

cpeACTBa

ripeACTaBeA&T

co6o0i

ynAaTbi HaAOrOB.

qaCTb

CYMMbl

'iHCTOHi

IpH6bJH

nOCAe

nlaJsHpooNaHHe

Ta6AHUa 21i.1 KommepqeCKHHi 6aHK "AEiB" KOMI

OHeHT A. nporHo3UpyeMi2H 4JHHaHCOBblH oTqeT Ha 31 qeKa6ps (B MAH. eA.

Hau. BaAFDTbI)

1989

1986

1987

1988

1990

Cymma

CymMa

Cymma

CyMMa

HaAHqHocTm

480

520

563

609

658

PesepBbl HaAHPHbIX cpeAcTB

710

789

877

975

1084

Bcero AeHemHbIx CpeACTB

1,190

1,309

1,440

1,584

1,742

AKTHBbI

re pe,zera

,Jcovel-

MeCM6aJroxace ocrantx oe cqerw

Ha BHyTpeHHeM pbiHKe

Ha MemAyHapoAHoM pbIHKe

590

620

650

683

717

650 72

2 0

683 222

2 1

717 387

2 1

590 0

3 0

620 0

2 0

160

176

194

213

234

4,720

5,247

5,834

6,487

7,214

378

408

441

476

514

4,342

4,839

5,393

6,010

6,699

4,880

5,423

6,027

6,700

7,448

CeAbCxOXo3sIHcTBeHHbie

1,441

1,585

1,743

1,917

2,109

FlpoMbuiAeHHbie

5,102 3,608

22 16

5,867 3,789

23 15

6,747 3,978

24 14

7,759 4,177

25 14

8,923 4,386

26 13

MToro Mem6aHKoBcKHe cpeAcTBa (6amaHcapyioWasu MeM6aHKoBcKHe

___

cTaTbh)

cpeAcTBa,

npHHOCgHlHe AOXOA_ Ip"ArreAMTe.mCNIee

gezfoNe 6ymarlw FIpaBHTeAbcTBeHHbie

genHbie

6yMarH (HHBeCTRUHH) rlpaBHTeAbcTBeHHbie

JeHHble

(pe3epsMb)

6ymara

MToro

KpecA, KpeA-Tbl Ha BHyTpeHHeM pb1HKe

OnTOBOH a pO3HHMHOH

TOprOBAe

flpo-we Bcero xpeAHTOB Ha

4,535 14,685

BHyTpeHHeM pb1HKe MemmyapomHbie

Bcero

xpeAHmi

KpeAHTbl

Pe3eps Ha noKpbiTHe

4,988 16,228

20 65

5,487 17,955

20 65

6,036 19,889

20 65

6,639 22,057

1.9 65

2 67 3

618 16,846 674

2 67 3

680 18,634 745

2 67 3

747 20,636 825

2 67 3

822 22,879 915

2 67 3

21,964

562 15,247 586

y6brrKoB no KpeAHTaM

HeTTo-KpeAHTbl

20 65

14,660

16,172

17,889

19,811

YxpeiAeaHe py7oKo4cria HaoBIwIeHHH 7CTRHI

KomnoHeeT A. flporH0onpyembli piHnaHeCOBnb (B MAH. ej.

1986 1

234

MHBeCTHgHH B aKgHH

fIpo4He aKTHBbl

1,030 130 1,400 22,720

5 6 100

10 1,133 137 1,514 25,037

npogeHTbI

HToro

Bcero

aKTHBOB

OTT1eT Ha 31 AeKa6pu (npo4.)

1988

1989

239

243

6 100

10 1,246 143 1,638 27,717

6 100

10 1,371 150 1,774 30,774

6,677 5,029 10,203 21,909

27 20 41 88

7,345 5,632 11,428 24,405

26 20 41 88

8 2

2,051 397

noAy9eHHlO Q3HKCHpOBaHHbie aKTHBbl

K nepeMeEaa

DaAIOTbl)

' 1987

230

HaHcjAeHmbie

Hag.

ocT

1990 1

247

6 100

10 1,508 158 1,924 34,181

8,079 6,308 12,799 27,186

26 20 42 88

8,887 7,065 14,335 30,287

26 21 42 89

7 1

2,153 417

7 1

2,261 438

7 1

0 6 100

OB5I3ATEAbCTBA ,Jezre3,nw

6,070 4,490

Cpo'Hbie

9,110

Bcero Acno3HToB

19,670

27 20 40 87

1,860 360

8 2

1,953 378 77

2,220

2,408

2,448

2,570

2,698

CHeTa K orAaTe

220

242

266

293

322

llpo'iHe o6R3aTeAbcTBa

220 280 720 22,610

1 1 3 100

242 84 568 24,885

1 0 2 99

266 119 651 27,503

1 0 2 99

293 145 731 30,487

1 0 2 99

322 175 819 33,805

1 1 2 99

40 70

0 0

40 113

0 0

40 173

0 1

40 247

0 1

40 337

0 1

110 22,720

153 25,037

1 100

213 27,717

1 100

287 30,774

1 100

377 34,181

1 100

BocTpe6oBaHHs

C6eperaTeAbHble

Me 6a"xoajcxe 3*JMCTDODaHAM

Ha BHyTpeHHeM pbIHKe Ha MeMAyHapoAHoM pbIHKe 3 auMbl y jeHTpaAbHoro 6aHKa CTaTbh

(6aAamcHpypoWaaR )

Bcero

Me2K6aHKoBcrCHx

3aHMCTBoBaHHH_

HaAoriH, K BbfInAaTe

HToro Bcero o6R3aTeAbCTB

KAIHITAA AKgHOHepHbIH KanHTaA Pe3epabl HepacnpeAeAeHHaR npH6blAb

Bcero KanHTaA Bcero KanHTaAa

o6R3aTeAbCTB

100

FLaa,,qpomawiNe KOMHOHeHT

B. nIpOrHosHpyeMbIe

AexiapagUH 0 AOXoAax Ha 31 AeKa6ps

1986

1987 |

CyMma

CyMMa

1988 | | 1989 | CyMma % Cymma %

Cymma

2,060 1,530 530

9 7 2

2,570 2,061 509

10 8 2

2,853 2,287 566

10 8 2

3,177 2,547 629

10 8 2

3,539 2,838 700

10 8 2

0 530

421

494

549

611

190 80 800

1 0 4

209 83 714

1 0 3

230 87 811

1 0 3

253 90 892

1 0 3

278 94 983

1 0 3

e PACXOAM OffepWNoPacxoAbI Ha nepcoHaA npo'iHe pacxoAbi

370

389

573

602

1 1 2

450

546

1 1 2

428

520

2 1 2

408

MIToro onepaJHoHHbie paCXOAbl

2 1 2

632

1 1 2

280

168

238

290

350

HaAorm, noAAemcauHe ynAaTe HeTTo-npH6blAb nocAe yiAaaTbl

220

119 119

145 145

84 84

175 175

0 1

50 10

0 0 0

29 9

0 0 0

42 21

0 0 0

51 39

0 0 0

61 68

0 0 0

floAyeHmbii 6pyTTo-npoUeHT

MEmyC

pacxoAbl no npoieHTam

Herro-npogeHTHbli

AOXOA

PacxoAbl no cosAaHmo peBepBOB

Hewro-npoUeHTHbli

AoxoA nocAe

1990 |

peSepBoB KOMHCCHH H BO13HarpamAeHH FIpOlie kIToro

AoxoAbl

onepaIHOHHbIH AoXOA

OnepagHoHHbii

AoXOA

150

158

165

174

182

Ha AOrIOB

HaAOrOB

MmN, CAHBHAeHAbI MNNYlnpHo6peTeHHm Bcero

pesepBibix

eoHAoB

YRpeMAemme pywoBoxCea N HomIjeHCff VyI7CTNTeAbHOCoN K HepeMeHaw

KOMHOHeHT

OCHOBHbie nOxCaBaTeAH PeBYAbTaTOB tPHHaHCoBoH AeuTeAbHOCTH

1986

1987

1988

1989

1990

0.48% 0.04%

0.61%

0.77%

0.93%

1.10%

0.04%

0.03%

AHKBHAHbie aXTHBbl/,4eno3HTbi

33.86%

33.55%

33.56%

33.99%

KpeAHTmI/Aeno3HMI

77.51%

76.89%

76.36%

33.80% 75.91%

75.54%

Aeno3HTbl A0 HOcTpe6OBaHHx/Bcero o6R3aTeAbCTB

26.85%

26.83%

26.70%

26.50%

26.29%

Bcero AenosHrOB/Bcero

87.00%

88.04%

88.73%

89.17%

89.59%

3.85%

4.00%

Herro npoUeIiasg Map2Ka/Bcero aKTHBoB (cp.)

2.33%

2.13%

2.15%

2.16%

Herro

2.33%

1.76%

1.87%

1.88%

0.26% 54.55% 2.29% 1.63% 1.19%

0.35% 63.78% 2.29% 1.63% 1.17%

0.45% 64.91% 2.17% 1.55% 1.14%

0.50% 57.99% 2.06% 1.46% 1.11%

0.51% 52.78% 1.95% 1.38% 1.09%

0.00%

0.35%

0.26%

10.49% 11.38%

10.62% 11.39%

10.87% 11.41%

10.00% 5.00% 39.66%

10.00% 5.00% 41.77%

10.74% 11.40% 10.00%

,4OCTATOVHOCTb KAJJIHTAlA KarrHTaA/cpeAHHii ypoBelmb axTHhoB O6WHe

(cp.)

BAomeHHR B axUHH/KanHTaA

AHKBIH-JOCTb

0HMHAHCHPOBAHHE o6z3aTeAbCTB

KA YECTBO AKTHBOB Pe3epB

Ha nOTepH

no ccyAaM/Bcero ccyA

PesepB Ha noTepC no ccyAaM/HeAeHcTByIOIJHe

CCyAbI

CcyAbi He npHHoCRlWHe npH6blAb/BCerO ccyA

,4OXO,4HOCTb npo5eHTHaR

mapma

tIOCAe

CO3AHHR

pe3epsoB/Bcero axTHBOB (Cp.)

AoxoA Ha cpeAHHe aKTHBbl AOxoA Ha KanHTaA (cp.) Onepa4HOHHbie pacxoabui/Bcero aKTHBoB (Cp.)

3aTpaTml Ha nepcoHaA/Bcero Bcero

aKTHBoB(cp.)

npo'mx AoxoAo3/Bcero

PacxoAbl

no pe3epBam/Bcero

arTHBOB aKTHEOB

170OIA3A TE H POCTA CCYAbI Aeno3HTbl KOMHCCHOHHbIH AOXOA H

Bo3HarpamAeHHR

OnepaxHoHHbhe pacxoAbi Herro AOxOA

noCAe HaAOrOB

5.00% 22.19%

10.00% 5.00% 20.71%

naoNposaoNe

KOMnOHeHT

IIPHH ITb.e npH

r. 4onHy eHS,

nporKoBe

(B npOUeHTaX)

1986

1987

1988

1989

1990

10.00%

5.00%

5.00% 2.00%

BHyTpeHHeM PbIHKe

10.00%

10.00%/o

10.00%

MemAyHapoAHOM pbIHKe

5.00%

10.00%

20.00%

TEMIbl POCTA AKTHBOB AeHemHbie CpeAcTBa Tpe6oBaHIM K pe3epBaM AeHl2eHb1X CpeACTB Heo6XoAHMbIim npoUeHT AellOHT0B Ao BOCTpe6OBaHH[

Heo6xoAHMbIi

% c6eperaTeAblIblX AenO3HTOB

Heo6xoAHMblxi

% CpOiHbIX Aeno3HToB

MEMB'AHKOBCKHE OCTA 77(11fO CYETAM Ha Ha

rIpHHOCSHujHe

AOXOA Me2K6aHKoBcKHe %

rIpaBHTeAbCTBeHHble geHHbie 6yMarH

TPEBOBAHHHl K PE3EPBAM rPABRHEAIbCTBEHHbX IJEHHbIX RYMAr Heo6xoAHMblH

nIpoIeHTOB Ae4l03HTOB A0 BOCTpe6oBaHHH

23.00%

23.00 /o

23.00%

23.00%/o

23.00%

BHYTpeHHHC

10.00%

CeAbclOe X03RqHCTBO

10.00%

flpoMbliAeHHocTb

15.00%

OrroTaaR Flpo4He

5.00% 10.00%

15.000% 5.00% 10.00%

15.00% 5.00% 10.00%

MemAyHapoAHbie

10.00%

10 .00 %

10.00%a

10.00%

Peseps Ha noKpbITHe y6blTKoB no ceyAaM/Bcero KpeAHToB

4.00%

HamHcAeHHbie flpOeHTbl K noAyMeHHIO

1.57%

1.85%

1 .85%

1.85%

0.00%

10.00%

10.000/a

10.00%

5.00%

Heo6xoAHMbbii npoUeHToB c6eperaTeAbHbIX Aeno3HToB Heo6xoAHMbIi

T ripogef0

CpOHblX Aeno3HTOB

KPE4HThJ H BEKCEAJ

H pOSHH'IHaR TOprOOBAR

BAO2KeHHS

B aKiHH

Flpo4He aKTHBbl

5.00%

10.00% 12.00% 12.00%

Ha BHyTpeHHeM pbhHKe

5.00%

5.00%/o

5.00%

5.00% 5.00%

(qHKCHpOBaHHbie aKTHBbl

TEMibl POCTA 01fl3ATEAlbCTB Aeno_3HTbi

Ao BOcTpe6OBaHHM

C6eperaTeAbHbie Cpo9ibie

MEMSAHKOBCKHE 3AHMCTBOBAHHJ Me2KAyHapoAHoM pbIHKe

Yxpe,lAejwe pJWo mo4'crTa m ilomBIlemmLs qyBcrTBAreA.bNocTo

KOMNOneHT

aoKIyqeHRR,

icaepemeHam

npHHITbIe npM npOrHOBe (npOA.)

(B npogeHTax)

1986

1987

K oruaTe

10.00%

Flpo9He o6x3aTeAbcTBa

1988

1989

1990

10.00%

0.00%

[IpHHocnujHe AOXOA MeeK6aHKoBcKHe

10.00%

llpanHTeAbcTBeHHbie geHHbIe 6ymarH

9.00%

8.00%

10.00%

CqeTa

J47HTAA AKUqoHepHblH KanHTaA HepacupeAeAeHHasI

npH6blAb

4JO17Yl,fEHJ 07YETA 0 ,4OXOAX= flpoeHTHasi CTaBKxa no aKTHBaM, 17pHHOlC1HM AOXOA

IlpaBe.uAbcTmeHHbie

6yMarH (Pe3eps)

9.00%

8.00%

10.00%

8.00% 10.00%

______

14.00%

IlpombzimAeHuocTm

14.00%

11.00%

13.00%

OnToBa1 H po03HmHaR ToproBAA

16.00%

Ilpo'He CpeAHeBsBemeHHaR cTaBKa

12.80% 13.11%

16.00% 10.80% 13.19%

MemAyHapoAHble

16.00% 10.80% 13.19%

14.00%

A째 BocTpe6oBaHHn

0.00%

C6eperaTeAbHbie

0.00%

9.25% 13.70%

12.23%

BnyTpeHHHe

8.00%

MemAyHapoAHbie (LIBOR)

8.00%

9.11%

jeHTpaAbHbIA 6814K

9.11%

9.00%

12.09% 11.66% 0.43%

11.90% 11.69% 0.21

11.90% 11.72% 0.17

11.89% 11.75% 0.14

11.89% 11.78% 0.11

10.00% 4.00%

Mem6aHKoBCKHe cpeAcTBa (BaAaHcHp.cTaTbn)

HPOfJEHTHblECTABKH 110 KPFEHTAM BHyTpeHHHe KpeAHTbl CeAbcKoe

X0o3RHCTBO

17POJEHTHAHCTABKA 170 05iS3A TEAbCTBAM nDpouemwaz cTaBKa no AenO3HTaM

Cpo,umie BsBeueHHaa

npojeHTHaA cTaBKa

MEMWRAHKOBCKHE 3AklMCTBOBAHJJ (7POUEHTHAH CTABKA)

AOXOA

no aKTHBaM, IIpHHOCflWHM AOXOA

PacxoAbi no o6II3aTeAbcTBaM 'HCTbliH

cnpeA

Herro-narepH no KpeAHTaM KomHCCHH H BoaHarpamAeHHR

[Ipo'Hfi

AoxoA

(TeMnbl pocTa)

(TeMnbI pocTa)

10.00% 4.00%

]LawipoMiNe

KoiuoHeHT

aonyIIeHH,

lpIHHTbie llpH upOrHOBe (npoA.)

(B upoUeHTax)

1986

1987

1988

1989

1990

FlepcoHaA

5.00%

flpo0He pacxoAbi

5.GO%

5.00%

CTaBaKa

78.57%

50.00% 35.00% 14.00%

50.00%

35.00%

35.00% 14.00%

35.00%

OHEPAJlHOHHIIE PACXO,4b POCTA)

(TEMIl7I

HaAoroo6AoWemHJ[

oloKasaTeAb BbJmaThl AHBHAeCAoB

83.33%

IOKaSaaTeAb CooTBeTCTBHI

16.67%

14.00%

YWpeizieHHe py,oAoagcT8a H uoBrzIeHCwNr 8yBCT8IefgAbHoCTH Kr mepememam CeAbCKOX0.3HiCTBeHHbJM MaAbiM

HHCTHTyTaM

npeAnpHRTHRM, 4MepmepaM

npojgecce

yrfpaBAeHHH

pa3BHTHM.

H ApyrHM

MaAbIM

KpeAHTHbIMH

rlpeAOcTaBASflOl4He

HHCTHTyTbl,

KpeAHTbi

3aeMJIHKaM, HMeiOr CBOH oco6eHHocTH B npHMeHHIOT CBOH co6cTBeHHble MeTOAbl,

PHCKaMH H KoTOpbIe 3AeCb nOAHOCTbIO paCCMaTPHBaTbC$I He 6yAyr.28 IPHHR'He

PHCKOB

OCHOBa

6aHKoBcKoro

AeAa.

BIaHKH

HMelOT

ycnex

TOrAa,

KorAa

npHHHMaeMbie HMH PHCKH pa3yMHbl, KOHTPOAHPYeMbl H HaXOAHTCH B npeAeAaX HX (jHHaHCOBblX BO3MO2KHOCTeH

H KoMneTeHgHH. AKTHBbI, B OCHOBHOM KpeAHTbi, AOA2KHbI 6blTb AoCTaTOSHO AAH Toro, 'iTo 6 bi nOKpblTb Aio6oH OTTOK CpeACTB, PaCXOAbl H y6bITKH H npH aTOM o6ecnewHTb npueMAeMbiH AA4 aKIIHOHepOB pa3Mep npH6bIAH. AOCTH2KeHHe BTHX geAei Ae2KHT B OCHOBe nOAHTHKH 6aHKa no npHHRTHIO pHCKOB H yripaBAeHHI0 HMH. BHe 6aHKa KaKc HHCTHTYTa, xopoumee KlpeAHTHOC ynpaBAeHHe o6ecneMHBaeT AOCTH2KeHHe lseAeHi HagHOHaAbHOH nOAwrHKH, a HMeHHo: B4XpeKTHBHoe pacnpeAeAeHHe orpaHHqeHHbIx qHHaHcOBb1X pecypcoB C MeAb1o AHKBHAHbl

yCKOpeHHR BKOHOMHmeCKOrO pOCTa H MHHHMH3a!HH y6blTKoB AAH 8KOHOMHKH. YnpaBAeHHe

KpeAHTHbIM PHCKOM nOAy'HAO

B COBpeMeHHOH rIOAHTHKe oco6Oe BHHMaHHe. 6aHKOB, IPOBOAHMbie BO MHOrHX CTpaHaX, cBH3aHbl C cepbi3Hb1MH AOA2KHbI COBepwleHCTBOBaTb ynpaBAeHHe pHCKOM AAH npeAOTBpauCHHH

IpOrpaMMbi

nepeCTpOHIKH

pacxoAaMH.

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6aHKoBcKoM

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6aHKoB.

AeAe

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MTO

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BKOHOMHKH,

6oAbInylo

MHOrHX

qHHaHCOBaR

AH6epaAHsaUHR,

H coKpaigaioujaACH pOAb

aBTOHOMHIO

CHcTeMax

6aHKH

(PHHaHCOByIO

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6aHKaMH B pa3BHBaiJoAHXCH pbIHKaX CTOHT cepbeSHbie TPYAHOCTH B AeAe ynpaBAeHHR KpeAHTHbIM PHCKOM. KOHrpOAb CO CTOpOHbl npaBHTeAbCTBa, AaBAeHHe BHYTPeHHHX H BHeWUHHX o6cToRTeAbCTB nOAHTHmeCKOro xapaKTepa, TPYAHOCTH npOH3BOACTBa, CPHHaHCOBbie orpaHHqeHHH, c6oH pbIHKa, CpbIBbl nPOH3BOACTBeHHbIX rpaPHKOB H rIAaHOB H xiaCTble cHTyaIHH

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rpynnax,

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KpeAHToBaHHR

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1990,

a raKcKe

(poHa-aIIKe

1991).

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nAOXOH aHaAH3 KpeAHTyeMoH OTpaCAH;

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10-20%

OAHOH rpynne KOMnaHHHa

25-50%

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50-100%

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200-500%

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1000-1500%

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500-600%

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600-700/o

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____________________________________

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9HCAO npOCpOxeHHbIX nAaTemeH.

6. 06eL.MaHHbie

KpeAHTbI H nOTeHiHHaAbHbie o6a3aTeAbCTBa;

B. KpeAHTbi, o6ecneqeHHbie

geHHbIMH

6yMaraMH ApyrHx

a TaK2Ke

npaBaMH,

aCCog,HagHH;

HHTepeCaMH H nOAHOMO'HSIMH CCyAHO-C6eperaTeAbHblx r.

6aHKoB,

pyKOBOACTBy, argHoHepam 6aHKa

CAyqaH npeAOCTaBAeHHI KICAHTOB COTPyAHHKaM, H cBH3aHHbIM C HHMH AHgaM;

A. CAyqaH

nlpeAOCTaBAeHHR

H pyKOBOACTBY

KpeAHTOB COTPYAHHKaM

ApyrHX 6aHKoB, a

TaI.me aKrHOHepaM 6aHKoB-KoppecnoHAeHwoB.

FIocTapafiTeCb a.

POAH

lOAyq'HTb CAeAy[OUlIYO HHqMOpMaUH1O 0

HlpaBAeHHR 6aHKa:

KIonHio C H3AO2KeHHeM npHUHnHOB KpeAHTOBaHHR;

6. AaHHbIe o TOM, CyI1eCTByeT AH nOCTOHHHbliH KOMHTeT no Ha6AIoAeHHIO 3a KpeAHTHOH AeRTeAbHOCTblO;

IpaBAeHtH

6aHKa;

KonHH OTqeTOB, npeAOCTaBAReMbIX Ha 3aceAaHHMx

CnHCOK pyKOBOjARero cocTaBa 6aHKa, ero aKuHoHepoB H CBI3aHHbJX C HHMH AHU;

CnHCOK

CnHCaHHbIX

oAo6peHHu

KpeAHTOB,

KoTopbIe

6blAH

BHOBb

BHeCeHbl

KHHrH

yqeTa

AHpeKTOpOB.

3. nonbITakHeCb

nOAY3qHTb

KOnHH

nOCAeAHHX

OTMqeTOB,

nPeACTaBAeHHbIX

KpeAHTHOMY

KOMHTeTy.

COCTaBbTe o6 3op

0 KpeAHTHOH nOAHTHKe 6aHKa H

oAee BHHMaTeAbHO ocTaHoBHTeCb

Ha npHHUHnaX aTOH nOAHTHKH B OTHOiuIeHHH:

pacnpeAeAeHHH KCpeHTOB no KaTerOpHHM;

reorpaqpHmecKHx AHMHTOB KpeAHTOBaHHR;

AHMHTOB KpeAHTOBaHHH OAHOH OTpaCAH npoMbillAeHHOCTH;

pa3pelUeHHbIx KpeAHToB H

nOAHOMO'HM

HAH

meAaembix

noKa3aTeAeH

COOTHOiueHHR

npe4OCTaBAeHHblX

ApyrHX cTaTeH 6aAaHca; KOMHTeTOB H nepcoHaAa 6aHKa no npeAoCTaBAeHH[O KpeAHTOB;

105

YJxpeiJ7eHHe p7K080eCTa e.

Jr HepeMeCHaH

'y87CnMeAhHOCTNJ

nOUhIIIeIHM

Bcex 3anpeiqeHHbIX THnOB KpeAHTOB;

2K. MaKCHMaAbHbIX CPOKOB norauleHH

no1 paSAHqHbJM THnaM KpeAHTOB;

CTpyKTypbi npo0geHTHbIX cTaBoK;

MHHHMaAbHbIX CyMM B noralueHHe pa3AH-lHbIX THnOB KpeAHTOB;

npHHH1HnOB OgeHKH 3aAora, BKAIOqaR: *

pa6oTHHKoB, HMe1oJgHx npaBo npOBOAHTb o0eHKy;

CTOHMOCTb,

KOTOpOH

OgeHHBaoTCSq

npHHHMaeMbJe

KaqeCTBe

o6ecneCeNHHS;

pa3AH-lHbie BHAbI Co6CTBeHHOCTH; A.

Tpe6oBaHHH K qpHHaHCOBOH HH1pOpMaUHH no pa3AHqHbIM THnaM KpeAHTOB;

M. npHH]gHnOB noKynKH geHHb1X 6yMar; H.

npHHUHnoB

npeAoCTaEBAeHHH

KpeAHToB

aKUHOHepaM,

COTpyAHHKaM,

PYKOBOACTBY

6aHKa H cBa3aHHbIM C HHMH AHlgaM; o.

npHHH1HnOB

onpeAeAeHHR

KpeAHToCnoco6HOCTH

Aio6oro

HHCTHTyTa HAH KAHeHTa,

'qbero HMeHH 6aHK BbInOAHqeT nepeBoA CpeACTB.

BzlllO.&rnrre CAe4YIO4He iuarH B OTHOIIIeHHH npOCpOqeHHbIX KpeAHTOB: a.

CpaBHHTe

CAeAy1OJIHe

AaHHbie

,eAblO

BbiHBAeHHH

A106biX

MaTepHaAbHbIX

HecoOTBeTCTBHH:

Ta6AHUbi npocpoqeHHbIX KpeAHTOB, noAyqeHHbie Ha 3Tane l.a

npeACTaBAeHHbie

CnHCOK KpeAHTOB, PaCCMaTPHBaeMbIX PYKOBOACTBOM 6aHKa KaK npo6AeMHbie

npeACTaBAeHHbie peryAHPYIOJgHM opraHam OT'ieTbi O npOCpoqeHHbIX KpeAHTaX IpocMoTpHTe

onpeAeAHTe,

IpaBAeHHIO OTTqeTbI O npoCpo0eHHbJX KpeAHTaX

npeACTaBAeHHbie

AOCTaTOqHO

HpaBAeHHIO

OHH

oT'ieTbl o

ripocpoqeHHbIX

AAR flpOBeAeHHI

AeTaAbHbl

KpeAHTax

OUeHKH

2RaKTopoB

pHCKa

CocTaBbTe oTLeT o6 o6ujeg cyMMe npocpo0eHHb1X IeHHbix 6yMar.

FponBeAH

6eceAbi

PYKOBOACTBOM

oTAeAa,

0geHHTe

KaleCTB0

KOMneTCHUH1O

riepcoHaAa KpeAHTHoro oTAeAa 6aHKa C T04KH 3peHHa ero: a.

YPOBHR o6pa3oBaHHocTH;

onbiTa;

yqaCTHR B nporpammax nOBbIIIIeHHR

MeTOAOB 06yqeHHH;

KBaAHcpHKagHH;

A. ypOBHH H Ka'eCTBa KOHTpOAH. 7.

HcnoAb3ys pe3yAbTaTbI 6eceA c nepcoHaaom 6aHKa, HMeloUJHecR oT'eTbi, Ha6AioAeHmm, HCCAeAOBMHHH

H T.A.,

npoaHaAH3HpyATe

BeCb

npogecc

o0eHKH

H o63opa

KpeAHTOB

BHyTpH 6aHKa. OnpeAeAHTe: a.

MeTOA oT6opa KpeAHTOB;

cnoco6 aHaAH3a KpeAHToB;

cIopMy npeACTaBmeMbiX

HCnOAb3OBaHHe pe3yAbTaTOB COOTBeTCTBY0UJHM

CYU4eCTBY!OT

OT4ieToB;

npo0eAypbi

CAe2KeHHM

nepcOHaAoM 6aHKa; co6AioAeHHeM

Toro,

ZITO

3aeM4HmK

Bb1noJAHSeT YCAOBHH KpeAHTHoro AoroBopa; e.

Aio6bIe

cy1geCTBY1OfLHe

6aHKe

3aHHMalouerocst o63opoM KpeAHToB;

106

orpaHHqeeHHI

pa6oTy

nepcoHaAa,

YiipaaieHrne Jpe.4ArMNNMN PHCEraMr

2K. no

KaKOH

AOCTH2KeHHH

KpeAHT

KAaCCH(PHKaUHH

KaK

paCCMaTpHBaTbCR

Ha4HHaeT

npo6AeMHbiii; npo4eAypbi,

npo6AeMHbIX

cnHcKa

YAaA5leTCR

KpeAHT

KOTOpblX

nocpeACTBOM

KpeA4HrOB.

FPHAO?KEHHE S. YIPABAEHHE KPEAWfHbIMH PHCKAMH: BonIPocbi no BHYTPEHHEMY KOHTPOAIO

BcH CHCTMea AOA2KHa

6aHKa.

nopTq(eAeM

CXeMbl,

OnHCaHHS,

TOqHb1e

MeTOAOB

KOHTpOAH,

cHcTeMbl

o63op

CAeAaHre

H AOA2LHa

6blTb 3aAoKymeHTHpoBaHa

coAepm2aTb

HeO6XOAHMyIO

ApyryiO

6AaHKOB

HCnOAb3YeMbiX

KOnHH

KpeAHTHbIM

ynpaBAeHHH

npoMeAyp

HHcpOpMaUH1o.

HIpHHRAO

nHCbMeHHbliH

coAep2KaJgHH inOAHTHKY

AoKyMeHT,

CBOHMH

COOTBeTCTBHH

6aHKa,

npaBAeHHe

-3aAaqH

o6H3aHHocTAMH,

nopTqpeAeM

ynpaBAeHHR

KpeAHToB, KOTOpbliH:

OnpeAeAeHHR

KaTerOpHH

yCTaHaBAHBaeT

flpHHUHnbI

HeABHKMHMOCTb

H KpeAHTbl C noraieneHHem no

noA

KOMMepqeCKHe,

KpeAHToB:

iaCTHM?

yCTaHaBAHBaeT reorpa(pHqeCKHe AHMHTbl KpeAHTOBaHHH?

B. YCTaHaBAHBaeT

AOnIrCTHMoe

CyMMOH

MemAyc

COOTHOIIIeHHe

npeAocTaBAeHHbX

KpeAHTOB H cyMMaMH ApyrHX CTaTeH 6aAaHca? ycTaHaBAHBaeT

nOAHOMOqHR

KoMHTeTaM

KpeAHTOB

npeAOCTaBAeHHIO

COTpyAHHKaM 6aHKa?

OnpeAeAAeT AOnYCTHmb1e THnbi KpeAHTOB?

ycTaHaBAHBaeT MaKcHMaAbHbIe

Ha KOTOpbIe MoryT BblAaaBTbCH Te HAH HHbIe

CpOKH,

BH4bl KpeAHTOB? 2m. yCTaHaBAHBaeT MeTOAbl onpeAeAeHHS

CTOHMOCTH KpeAHTOB?

3. yCTaHaBAHBaeT MeTOAbl OUeHKH KpeAHToB? H. yCTaHaBAHBaeT

MHHHMaAbHO

Heo6xOAHMblH

npeAocTaBAeHHi

KpeAHTa

6 o beM

(PHHaHCOBOH HHq)OpMaUHH? yCTaHaBAHBaeT AHMHTbl H npHH]AHnbi

YCTaHaBAHBaeT

npHHUHnbi

aKIqHoHepaM 6aHKa,

noKynKH

rIpeAOCTaBAeHHH

UeHHbIX 6yMar?

KpeAHTOB

pyKOBOACTBy,

COTpyAHHKYaM,

a TaKme CB13aHHbIM C HHMH AHUaM?

M. yCTaHaBAHBaeT npo째eAypbi noraiueHHH KPeAHTOB? KpeAHTHOro onpeAeAReT npaBa H o6n3aHHoCTH KpeAHTHOrO KoMHTeTa H COTPyAHHKOB

OT4eAa? YCTaHaBAHBaeTw

ieAH

ynpBAeHHR

KpeAHTHb1M

nOPTceAeM,

BKAIOLiR

CAeAYIOUJHe

acneKTbl: *

KOHMeHTpaUHR KpeAHTHbIX BAomeHHH B OAHOH OTpaCAH npoMbrulAeHHoCTH?

Heo6xOAHMOCTb npHBAe'ieHHR KoMneTeHTHorO

o6laTeAbcTBa nepeA o6ugecTToM H HX o6cAymHBamHe?

BO3Mo2KHbIe KOH(AHKTbl HHTepecOB?

107

H OnblTHOro nepcoHaAa?

YxpeiIesHe pxwmoa

Crca

CepeCMaTpHBaJOTCH

H moImHiCuNLm

XOTH

6bl

pa3

NTeAzbHocrHTNr izepeMeraiif

qIywc

rOA

n1pHHUMHIbI

yIpaEBAeHHS

KpeAHTHbiM

nopTlpeAeM C TeM, mTo bi npHBeCTH HX B COOTBeTCTBHe C H3MeHHBLUHMHCR yCAOBHRMH Ha pbIHKe?

3. FpeAcTaBAueTc.R

AH HpaBAeHHlo

6aHKa

HAH KOMHTeTaM (yKa2rHTe

KaKHM) XOTR

6bl pas

B MeCHig CAeAyioia34H HHqpOpMaUHH: a.

npOCpOseHHbie pa3oBbie nAaTeC2Hble

o6a3aTeAbcTBa

(yKa2KHTe

TaKme KOAH'ieCTBO

npocpoxeHHblx AHeH))? 6. o6a3aTeAbcTBa,

no KOTOpbiM

npOCpOe'Hbi TOAbKO npOUeHTHbie nAaTe2KH

(yKa2HTe

TaKme KOAHMeCTBO nlpOCpOqeHHb1X AHeH)?

KpeAHTbl,

no KOTOpbiM npocpo'eH XOTH 6bl OAHH noramiaioUHH

nAaTem

(yKamHTe

TamK2e KOAH%ieCTBO lIpOCpOqeHHb1X AHeH)?

o6uan CyMMa KpeAHTHbIX o6sl3aTeAbcTB?

CnHCOK KpeAHTOB, Tpe6yioJgHx oco6oro BHHMaHHH?

e. cnHCOK HOBbIX, BO3o6HoBAeHHbIx H PCCTPYKTYPHPOBaHHbIX KpeAHTOB?

4. HpenAe

qeM

5. Tpe6yeTcJ

AH npeAocTaBAeHHe B nHCbMeHHOH (popMe 3aHBKH Ha Aio6ofi KpeAHT?

OTreTbi

nlpeAOCTaBAAIOTCH

FpaBAeHHIO

6aHKa

HAH KoMHTeTaM, npOBep5IlOTCH AH OHH CnegHaAbHbIM COTpyAHHKOM Ha npeAMeT BO3MO2mHbIX OIMH60K H nponycKOB?

4ep2KHT AM

CoAepmaT AH KpeAHTHbie AOCbe HHcIOPMagHIo 0:

6aHK

xpeAHTHbie

geAHx KpeAHTa?

rpa(pHKe ero norameHHH?

AOCbe no BCeM 3aeMI1HKaM?

B. HanpaBAeHHRX HCI1OAb3OBaHUH

8. Tpe6yeT TPYAHO

AOXOAOB OT Hero?

AH 6aHK, MTo6bi 3aeMJIHKH, qbe o6ecneqeHHe no KpeAHTaM HeAoCTaTOqHO HAM peaAH3YeMO Ha pbIHKe, nePHOAH4eCKH npeAOCTaBAHAH B 6aHK CBOIO

qHHaHCOBYIO oTqeTHOCTb?

4ep2HuT AH 6aHK OTAeAbHOe AOCbe C 3aHBKaMH Ha nOAy'eHHe H TeKyigeH qHHaHCOBoU oT"eTHoCThiO?

10. Tpe6yeT AH 6aHK npeAOCTaBAeHHR

eMy npoayAHpOBaHHOH

(qHHaHCOBOH oTheTHOCTH

3aBHCHMOCTH OT CYMMbl KpeAHTa? 11. FpOBOAHT AH 6aHK H3yqeHHe HOBbIX H CyUgeCTBY!OI4Hx XAHeHTOB, nOAaBUJuX 3aHBKY Ha noAy'ieHHe KpeAHTa?

12. 13. 14.

IlpeqCTaBAsiioTcR AH BCe KpeAHTHb1e o6n3aTeAbcTBa B nHCbMeHHOH q)opMe? FepecMaTpHBaIOTCH AH H o6HoBAunoTcC KpeAHTHbIe AHHHH XOTH 6bl pas B roA?

IpoBepsnoTCs

HenoramlleHHble

o6gsaTeAbCTBa

3aeMiCHKOB

npe2KAe,

meM

OHH

nOAy'aiOT AOnOAHHTeAbHbie KpeAHTbI?

15.

KaKoBbi npogeAypbi 6aHKa 6yAyT o6ecneqeHbl Ha

16.

CyujeCTByeT (YHKUHH

MO2KeT

npfH

npeAoCTaBAeHHH KpeAHTOB, KOTOpbie o6ecne'ieHbl

25/%a&KiHRMH

6aHKe

CHCTeMa

BbInOAHRTbCR

Apyroro (HHaHCOBorO

BHyTpeHHerO

OTAeAOM

KOHTpOAR

BHyTpeHHerO

KtamAoro

ayAHTa),

npoMeHTOB, CKlHOK H AaT noramIIeHHH;

108

oTAeAa

CeARMH

KOTOpOH HBAHIOTCHI:

a. nepenpoBepKa paC-leTOB CyMM

HAH

HHCTHTyTa? (aTa

co.AaHHR

YnpameHNe EpeIHTHMMH pHncK&K 6.

BKAIOMaR BCo Heo6xoAHmyo

H HX BbinIOAHeHHR,

Bcex o6R3aTeAbCTB

nepenpoBepKa AoKyMeHTagHio;

B. onpeAeAeHHe

npeAOCTaBAeHHIO

nOAHOMOqHH

HcnOAb3OBaHHS

npaBHAbHOCTH

KpeAHToB; r.

AAR

HeO6XOAHMOH

AoKyMeHTaUHH,

COCTaBAeHHS

nlpaBHAbHOCTH

npoBepKa

npeAOCTaBAeHHR KpeAHTa;

npoBepKa co6AIoAeHHA AHMHTOB KPeAHToBaHHR;

npOBepKa npaBHAbHOCTH COBeplueHHbiX 6yxraATepcKHx npOBOAOK; npogeHTOB H CpOKOB

mK.npoBepKa O(POPMAeHHH AoKyMeHTaUHH, KacaioJLeAcH BbInAaTbi noraiueHHs; BbI6opo4Hafl npoBepKa o6ecne'eHHq H KpeAHToB.

17. 18.

AH B 6aHKe CeKTOp Ha6AioAeHHR 3a KpeAraTMH?

CylgeCTByeT

OTAeAeHa AH CIyHKrHH inpeAOCTaBACHHH KpeAHTOB OT CYHKUHH KpeAHToBaHHH? AUi nepBbie

19. HpeAcTaBARIOTCH

pa6oTbl

peSyAbTaTbi

aToro

HAH

KOMHTeTy

ceKTopa

COTPYAHHKy 6aHKa, KOTOpblIH He3aBHCHM OT KpeAHTHOH (PyHKUHH?

20.

OcyugeCTBAAeTC.R

Ha6AioAeHHe

BCeMH

npeBblIulaWoJHMH

KpeAHTaMH,

OnpeAeAeHHbIH ypOBeHb?

21.

lpeAAaralOT

KpeAHTHoro

COTpyAHHKH

caMH

oco6oe

ocyUeCTBARTb

oTAeAa

Ha6AIoAeHHe sa TeMH HAH HHbIMH KpeAHTaMH?

22. Ho

KaKOMy

MeTOAy,

yKa3aHHbIX

KpOMe

21, 22,

B nn

Bbl6HpaioTcH

AAA

KpeAUTbi

oco6oro Ha6AioAeHHR?

23. 24.

KpeAHTOBaHHA XOTb pa3 B rOA?

o63opbl Bcex o6AacTefi

IHPOBOARTCSI

CyuMeCTByeT

AH CHCTeMa onpeAeAeHHR

H HaAomeHHR CaHK%HH Ha COTPYAHHKa, KOTOpbiU

yMbIuilAeHHO npenRTCTByeT npoMeccy Ha6AioAeHHH 3a TeM HAH HHbIM KpeAHTOM?

25. 26.

BHOCHTC% AH nepHoAHqeCKH H3MeHeHHR B cnHcorK npo6AeMHblx KpeAHTOB 6aHKa?

,epmHT

AH 6aHK CnHCOK C yKa3aHHeM Ha6AioAeHHIO

oco6oMy

npHCBOeHHorO

27.

rOTOBHT

o 30py

KOTOpbie 6biAU nOABeprHyTbi

Tex KpeAHTOB, yKa3aHHeM

npOBeAeHHR

AaTbi

o6sopa

KpeAHTHorO peiTHHra) ?

AH CeKTOP

Ha6AioAeHHR

3a KpeAHTaMH

o6ocHoBaHrH

npHCBOeHHR

TorO HAH

HHoro peHTHHra?

28. XpaHsTcSI

AH pe3yAbTaTbi

o630poB

KpeAHTHbIX

npOBeAeHHb!X

Bce

BMeCTe

HAH

KpeAHTHbIM Aocbe?

29.

CyigeCTBYIOT

npoMeAypbi

nocAeAyiouero

BHoCCHH

MeMOpaHA3MOB

063opHblX

COOTBeTCTBYIOUJHe KpeAHTHbie AoCbe?

30.

CyugeCTByeT

3anpeT

6aHKa

COTpyAHHKaM

xpaHeHHe

HesanoAHeHHoi

nOAnHCaHHOH KpeAHTHOH AOKyMeHTaUHH?

31.

Bo3Bpau4aloTcA

AH aHHYAHPOBaHHbie

nOCAe HX a.HHYAHPOaHH

32. Tpe6yeTcH

noAyieHHe

UAH

onAaqeHHble

o65I3aTeAbCTBa

KAHeHTaM

cpasy

HAH onAaTbl? paCnUHCKH OT KAHeHTa B CAyqae

nOAy'eHMH HM maCTH KpeAwTa

HaAHqHbIMH?

lpHMe9aHHe: nn 17-29

OTHOCITC

n 17 rIpHAomerH

nOpTqAeM".

109

A "MeToAbl

oUeHIU

npogecza ynpaBAecm

YzpellAeHNe py8oaoxc8aa N HmOAMwiemm YJyBc1rW0AbHocTH A mepemenm

33.

XpaHHTCHi

KpeAHTHaH

cTporO

AoKyMeHTajHR

COOTBeTCTBHH

iopHAHqecKHMH

8TO

AeAae'rcR KaK-

Tpe6oBaHHIMH H nOAHTHKOH nO XPaHeHHIO AOKYMeHTOB?

34.

MHKPOqtHAbMHPYIOTCA AH HOBbIe o6asaTeAbcTBa emeAHeBHO?

HAH

AH6 0 HHaqe?

35. KaKoBa

CHCTeMa Ha6AIOAeHHR H KOHTpOAR 3a HpocpoqeHHbIMH KpeAHTaMH?

36. CyujeCTBYIOT

B 6aHKe Ta6AHMbI

CTaHAaPTHbIX

npOgeHTHbIX

CTaBOKi no TeM

HAH

HHbIM THnaM KpeAHTOB?

37.

FepecMaTpHBaloTcJR Al

38.

STH Ta6AHUbl? Kax macTO?

HacKOAbKO AeTaAbHO 6aHX XpaHHT HHpOpMagHIO H AOCTaTo0HO AH ee AAA

COCTaBAeHHx

oTqeTa o: a.

CTOHMOCTH CpeACTB, [ipeAocTaBAeHHb1X B KpeAHT)

CTOHMOCTH o6CAymHBaHHR KpeAHTOB, BKAIO'aR HaKAaAHb1e pacXoAbi?

B. CTOHMOCTH qpaKTOpa BO3MOmHbIX y6blTKoB? r.

39. 40.

nAaHHPYeMOM pa3Mepe mapm2K

npH6blAH?

HpoBOAUT Al 6aHK HCCAeAoBaHHS 3aOqeHme: CHCTCMbl

CqHTaeTCR

KOHTpOAH

BHyTpeHHerO nOAOpBaTb

ymKe

AH BbliuIeHa3BaHHaH

6aHKa?

ayAHTa,

KpeAHTyeMbIX HM OTpacAci npoMbIuAeHHOCTH?

T.e.

KOHTpOAH

HH(FOpMaUHS

CYU 3a

CYICCTBYIOYO

BeAeHHCM CHCTeMy

AoCTaTOqHOH

KCTBYOT KaKHe-AH6o

y'leTa

T.A.,

KOHTPOAR

ApyrHe KOTOpbIe

HAUA YCHAHTb

OeCHIH

npogeAypbl MOrAH

6bl

HMelOUHeCH

HeAOCTaTKH?

[IP4AO2BEHHE B. I1POBEPKA KPEAh1THOA KYAbTYPbl

XOTSi

cama no ce6e KOHCen1lUHl

CYHTaeTCH, BTHM

nOHHTHeM

pHCKaMH,

nOHHMalOT

BKAIO'IaR

aqcXeKTHBHOCTb

COBOKYnHOCTb

AcAOBy1o

cBR3eH,

cTpaTerHllo,

COCTaB

BOnPOCbl nOAe3Hbl AAA nOHHMaHHI

Kpe,MNMJVWN a

KpeAHTHOH

'ITO HMeHHO YPOBeHb KpeAHTHOH

XOTHI

KyAbTypbi

nOAXOAOB

6aHKa

KpeAHTHNYO

Ka'ieCTBO

nBAReTCS

KameCTBO

aKTHBoB.

ynpaBAeHHio

nOATrHKY,

KpeAHTHOrO

pacriAbmsaTofi,

OCHOBbl

nOpTe.

IoA

KpeAHTHbTMH KpeAHTOBaHSI,

IlepeqHcAeHHbIe

HHme

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