Anatoly Aksakov: uninterrupted supply of bank settlements is especially true in times of crisis

President, Association "Russia" Anatoly Aksakov made at the enlarged meeting of the Presidium of the Board of Commerce and Industry Chamber, where the question of the role of the business community in overcoming the crisis in the country's economy. Anatoly Aksakov noted three features of the banking system, particularly relevant in a crisis: - uninterrupted supply calculations; stimulating domestic demand by keeping credit customers (citizens and businesses) and accessibility of financial services in remote regions. To ensure the calculations are important measures of the Central Bank to refinance the banks and ensure their short-term liquidity. Before the restoration of interbank market should expand the number of banks eligible for unsecured auctions. The main limiters lending operations of banks today are liquidity risk (overcome gradually but unevenly on the banking system), the risk of trust, the potential currency risk. Anatoly Aksakov noted that an important role in risk management measures could play a safeguard mechanisms, and the partial transfer of credit risk of development institutions. Potential foreign exchange risk and the expected devaluation did not allow banks to expand lending to ruble. Save domestic demand is possible through conservation programs, credit consumers. This should be the target lending - for acquisition of domestic automobiles, household appliances, small business loans. State-owned banks (development banks) should be initiated run these loan programs, to work through banks agents. Subsequently, homogeneous pools of loans can be refinanced (securitize, sell). To regulate the relations on the level of "borrower-bank important law on consumer credit, at the level of bank-capital market" - the legislation on securitization, new financial instruments (securities). To finance large borrowers, banks can build syndicates for the issuance of large funds. However, the legislation does not allow under Russian law to adequately arrange a syndicated loan agreements. Today requires an amendment, introducing the concept of a syndicated loan at CC or banking law. Special attention, according to Anatoly Aksakov, should be paid to the accessibility of financial services in remote and depressed areas. Complex required activities described in the Strategy prepared by the Association for increasing the availability of financial services.