Yintoni mboleko subordinated?

Ingcaciso: Subordinated ityala - luhlobo olulodwa liboleke abanye, apho umbutho zebhanki, elivulwe eRashiya hayi emva kweminyaka emihlanu eyadlulayo, ukuba ukutsala imithombo yezimali ye-Central Bank for ukuphunyezwa imisebenzi yayo isithuba esingadlulanga kwiminyaka emihlanu. Phawu le mboleko iipesenti fixed ukuba musa ukutshintsha ngexesha ixesha lesivumelwano kwaye ayidluli ukuba izinga mboleko.

Ngokuqhelekileyo, i-mboleko subordinated ubhatalwa intlawulo enye emva kokuphela ngetyala ngokupheleleyo njengoko kuchaziwe kwisivumelwano, kodwa ngaphandle uba imeko apho ibhanki-ubolekayo onyanzelwayo ukuba ngokupheleleyo ukuba bayeke imisebenzi yabo, ukuqala inkqubo impahla. Kulo mzekelo, umbolekisi elikhupha mboleko subordinated akavumelekanga ukuba evela ebhankini liwa eboleka imali yabo kude kube lelo xesha kuya kwaneliswa ngokupheleleyo kunye neemfuneko zemali onke amanye amatyala.

Iimpawu: bank Domestic abafumana mboleko subordinated idibanise ngokupheleleyo imithombo credit yayo imali eyongezelelweyo isithuba seminyaka emihlanu, ukuba isivumelwano ityikityiwe kunye Central Bank for ixesha elide. Ukuba neminyaka engaphantsi kwe ezintlanu phambi kokuba intlawulo yokugqibela mboleko, lo mboleki Ungasebenzisa imali ukwandisa ukulingana kuphela imiqathango. Yaye kwimeko apho imali-mboleko kuba ngaphezu kwe-50% of capital ngemali, imali-mboleko kufuneka ingqalelo njengeemali wavuswa.

Imiqathango: Okwangoku, i-mboleko subordinated sivunyiwe ngokusekelwe isivumelwano ngamnye, iphambili leyo iba kukho into ekhethekileyo ukuba mboleko kunye nomdla weza ebaleka bank-umboleki abanako ukubuyekeza ngaphambi ishedyuli ngaphandle kuqala kokufumana imvume kwi-Central Bank. Kanye njengokuba umbolekisi Central Bank of Russia angavala waqukumbela isivumelwano semali-mboleko emva kokuba isivumelwano kunye mboleki kwizenzo ezinjalo okanye kwindawo esebenzayo naluphi na utshintsho kwisivumelwano.

Phantsi komthetho ngoku, ibhanki-obolekayo uyakwazi ukufumana imali-mboleko subordinated ukuba iimeko ezilandelayo ngaxeshanye wanelisekile. Ngoko ke, ixesha lokuhlawula kufuneka ngaphezu kwisithuba seminyaka emihlanu, iimeko nokukhutshwa iibhondi amatyala ayikwazi kutshintshwa ngaphandle kwemvume ye-Central Bank of the Russian Federation, yaye akuvumelekanga ukuba ihlawule kwinxalenye yokuqala ka-mboleko okanye iqumrhu epheleleyo ye-mboleko, okanye baleka inenzala. Kodwa waba nomdla izinga emiselweyo nemiqathango kunikezelo mboleko, kwaye kwizivumelwano phakathi umbolekisi kunye ibhanki-obolekayo ibonisa kukungakwazi igqiba uhlolo kwexesha imali.

Ngokuqhelekileyo mboleko subordinated ekhutshwe yi malunga nemiqathango efanayo njengoko kwezinye mboleko, kwaye amazinga enzala ezahlukeneyo mboleko phantse bahambelana kumndilili umyinge wenzala kwiinkqubo mboleko. Ke ukuba ibhanki, obolekayo kwimo ezikweletini, lo mboleki uya kuba nako ukufumana imali yabo emva ungonakala uya kuzanelisa babatyalayo eseleyo.

History: Ngo-2008-2009, ngexesha lesigaba nokoyika yeengxaki zemali-mboleko subordinated zisetyenziswa ukugcina uzinzo kwinkqubo yogcino Russian. Indima umlawuli olo lwenziwa ukuba Bank Central kunye Vnesheconombank ngaphandle mboleko imali engange kwezinye amaziko Russian ngetyala. I-mboleko yokuqala wathola iBhanki Agricultural and VTB, kuba inqanaba lomsebenzi iyavumelana kakhulu neemfuno rating zisezantsi, kunye capital iibhanki data landa yiminikelo ngamaqela esithathu kunye nabo banezabelo.