Bankers want to adjust your strategy

The Central Bank does not concede: In addition to doubling the minimum capital for all banks, unscrupulous employees of credit institutions have threatened to full disqualification and criminal penalties. On the eve of an informal day bank employee held in Moscow XI International Moscow Bank Forum. Head of ARB Garegin Tosunyan admitted that whether the first proposal to establish an official day of hatred of bankers, it would be approved quickly. Tosunyan commented on the proposed government strategy for the development of the banking sector in Russia until 2015. The document encourages greater use of innovation, to enhance competition and strengthen the banks by raising minimum capital requirements. But they did not contain a word about financial literacy, and nothing is said about the development of the financial institution of the Ombudsman. The President described the ARB today's banking system as lagging. In Russia, only 29 bank points to 1000 people in the U.S. the figure is 36, while in Italy - 52. The expert noted a frightening trend: the higher the minimum capital requirements, the country is dysfunctional. For example, in EU banks must hold at least 5 million euros in Ukraine - $ 10 million in Armenia - $ 15 million in Sri Lanka - U.S. $ 27 million in Pakistan - $ 175 million on this same road goes and Russia, with in 2012 the minimum capital of banks should be increased from 3 to 6 million dollars. "Any good it will not" - indignantly said Garegin Tosunyan. In his view, if the market regulators to live without an increase can not, then let it introduce a rule for beginners. CBR Mikhail Sukhov insisted on the strategy chosen, because small banks can not keep pace with the times - they are not under the force of new technology, outsourcing work, and return them below. On behalf of the regulator, he proposed to disqualify unscrupulous bankers and those who are caught in the rigging of their performance must be brought to justice. RAS Academician Abel Aganbegyan was most critical to the state of the domestic economy. His estimates indicate that the G20 from Russia more than anyone else affected by the global financial crisis: GDP collapsed, capital flight exceeded USD 20 billion, the country has moved from deficit to proficit budget. If the year 2009 in most countries experienced deflation (decrease in cost of goods and services), in Russia, including a reduction of costs and optimization of state, prices have managed to grow by 10,7%. The reason for that to monopolize markets. In our economy, common sense completely absent, the scientist believes. Acquired during the years of high oil prices, the capital was simply "will pass" - a single major project is not implemented. If the Russian machinery and equipment operated by an average of 19 years, then in Western Europe - update occurs every 8 years. Russia certainly needs upgrading, although the magnitude of funds necessary is clearly beyond the power of the state budget. It really make the accumulated gold and foreign exchange reserves, which now account for about $ 500 billion, half of them can give a long-term loan (3-5 years) for the construction of highways, high-speed railways and housing. However, even this one does not think. Driver of economic growth could be banks, but they do not have a "long money".