Director-General of the State Corporation" Deposit Insurance Agency (DIA), Alexander Turbanov supports the idea of ??further increasing the minimum bar banks' capital. "Our economy needs a strong banking system and the global level, it will look decent," - said Turbanov. "When such a decision - the question remains," - said the head of the DIA. At the same time, he recalled the challenge of reducing banking offices in the regions. "The question remains the provision of banking services ... As if we did not go without them "- worries Turbanov. There are at least two solutions. One of them - to develop the nonbank financial institutions. Another option - to allow work to regional banks with capital of at least 180 million rubles, as much as the law requires since 2012. "This program will go to the region - an area or region, and not about all federal district," - says the head of the DIA. Meanwhile, the Bank of Russia continues to "purge" of the banking system. Today was a revoked license at the Sakha Bank Cyr . At the end of the third quarter of this year he won the 701 ranked by assets in the ranking of "Interfax-100", compiled by the Interfax-CEA. The volume of private deposits in finorganizatsii amounted to 438.8 million rubles. Until the end this year, license of the Central Bank may lose a maximum of 45 banks. This forecast was made general director of ACB, Alexander Turbanov. Since the beginning of the year were withdrawn 44 licenses, taking into account players who have left the market themselves. A few days ago that in Russia should be smaller banks, said Russian Finance Minister Alexei Kudrin said, "Today I believe that the financial stability allows us to have the banks was 500, - told reporters the vice premier. Moreover, it is necessary to introduce the requirements for minimum capital of banks in the $ 1 billion, he said. "I am convinced that a crisis - it was the last straw, which showed that the banks need to quantitatively smaller, but more reliable at greater oversight", - Kudrin told reporters on Tuesday. Recall that in late November, Kudrin was first announced plans for a tenfold increase capital requirements for banks. "Banks should be well under the supervision of ... Bank with a capital of 2 million euros, I think, is not a bank ", - Kudrin believes. If we require the banks to raise the minimum capital to 1 billion rubles now, their number in Russia is reduced to 240-250, said Alexei Kudrin. If you raise the bar Six years later, the banks grow, merge and there will be about 500, "Kudrin said. According to him, 90% of total loan growth and deposit accounts for the first 50 banks. Now according to the Central Bank of all credit institutions, there are little more than a thousand. That is, from 500 banks, as a minimum, you can safely remove without damage to the share of the economy. But as long as authorities do not hurry. Mostly, it is connected with the crisis. For example, according to presidential aide Arkady Dvorkovich increase in the minimum capital of Russian banks bars appropriate only in within the post-crisis policy. The decision to toughen the minimum equity requirement may be made no earlier than 2012, he said. Dvorkovich also recalled that the G20 statement clearly states that in times of crisis should not be taken further decisions to raise capital requirements banks. This matter will be considered after the passage of two already scheduled by law increases: from 1 January 2010 to 90 million rubles and from 1 January 2012 to 180 million rubles, the consent of the first deputy chairman of Bank of Russia Gennady Melikyan. "Life will show how we act. In the nearest future position articulated - it was approved by the law, which defines the schedule, "- said Melikyan. However, neither the experts nor officials, there is no doubt that a significant decrease in the number of banks is inevitable." In my opinion, this is the right position, "- comments Bank.ru analyst of bank" Trust "Vladislav Sidorov." Most of the banks that are not included in the first 500 banks in terms of capital include banks can be a very big stretch. Some of them may be involved in money laundering and other criminal operations. I do not think that reducing the number of banks up to 500 or 700 automatically means the concentration of risks and reducing the level of competition. More or less strong regional banks are in the top 500. The market operate large Russian private banks, the "foreigners" who have the ability to attract funds to develop a low interest rate from its parent company. During the crisis, in general, we have seen reduction in loan portfolios of private banks. But over time, the situation will change. They will actively lend to both individuals and legal entities. Therefore, the share of state banks in lending will gradually decrease, "- said the expert.
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