INFRASTRUCTURE OF PROVIDING SAFETY OF THE BANKING SECTOR AND THE PROBLEM OF OVERCOMING OF THE CRISIS PHENOMENA IN ACTIVITY OF COMMERCIAL BANKS

Abstract

One of the most important problems in the conditions of the prolonged macroeconomic instability mentioning the most sensitive sector of Economics is banking sector, is development of indicators and preventive measures from the regulator and management of banks on overcoming of the becoming ripe crisis phenomena. Crises of the last years show that regulators, despite development and toughening of measures of regulatory influence and microprudential supervision, constantly are late that leads to considerable expenses of rescue of banks and payments of compensations to investors of bankrupt monetary and credit institutes. In article the most sensitive areas in regulation and financial improvement of the credit organizations are considered. The author offers to expand the list of functions of Deposit Insurance Agency by means of introduction of institute the bridge-banks and attraction of financial resources of private investors for rescue of banks. At the same time in article it is emphasized that criteria of identification of problem situations in the banking sector need development by means of introduction along with the operating indicators of signs of the advancing problems of non-financial and financial character. The formulated offers will demand specification of the legislation and regulatory base of Bank of Russia.

Keywords

• deposit insurance agency
• bridge-bank
• criteria of the first signs of problems in activity of the commercial bank
• non-financial indicators of problems in activity of bank
• regulation of banking activity
• risk focused supervision
• council for financial stability
• insolvency settlement
• fund of obligatory insurance