Deposit insurance agency wants to tighten the screws

Banks, on the balance of which exceeds 5% of the assets of the banking system, should be required to remove a blocking stake of its shares on the exchange, said the head of the State Corporation "Deposit Insurance Agency (DIA) A. Turbanov during the international conference" Russia and the world: challenges of the new decade. "According to him, the largest federal banks are required to produce specific disclosure requirements. It is expedient to oblige them to work only in the form of, he said. Moreover, Turbanov believes that it is necessary to raise the requirements for adequacy capital requirements for banks, which control more than 5% of the assets of the banking system up to 14-15% (as of today, the requirements on capital adequacy for banks in Russia up 10%). "In my opinion, above all, the shareholders must decide whether to output them to a blocking stake the market or not, "- comments Bank.ru analyst at Arbat Capital Michael Zavaraev." Entering the stock market, the reorganization of the JSC could make the company transparent Bole. She will have to regularly publish reports, for it will keep analysts and experts. Typically, the market responds in advance. And, by analyzing the dynamics of the bidding, you can see that someone will soon begin the issuer of the problem. But it does not automatically make our banking system more stable, as many officials. Much more important - the correct, effective regulation Central Bank. Look at the Western markets, there are more or less large banks are traded on the exchange. However, from the collapse of the financial system is neither the U.S. nor Western Europe is not saved. Additional Offerings will put pressure on the quotes, respectively, this initiative could have a negative impact on shares in these banks. Of course, if such a law is adopted, will give time to adjust. The more it is, the less effect will the move to market. Raising the requirements for capital adequacy is also not the best idea. Now these requirements (10-15%) is quite adequate. But the sufficiency of capital - is not the only, and not the main factor of stability of the banking system. Firstly, liquidity is important, the availability of funds in the system. Unequivocally, it can be argued that the tightening of capital adequacy requirements will affect lending. Part of the funds will go to the capital, rather than go for loans to retail customers or corporate sector. This, in turn, may reduce the rate of economic growth. Again, look at the United States. They have good ball before the crisis, high capital adequacy ratio - 6 %. We assume that the figure would be twice as high - 12%. As a result, the bubble would have inflated longer. That's all. And, in my opinion, to shock the financial markets, bankruptcies, this level of capital adequacy ratio would not have saved. K Risk management should be approached comprehensively. Russian banks full of other problems that need to be addressed, "- said the expert.