What do bankers and other market participants on the hottest events of the economy that occurred in a week? The appearance of cards for the poor in the 2011-2012 school year may receive the cards for the poor. According to the head of the Association of Retail Companies (ACORT) Lev Khasis, the proposal for the introduction of cards for the poor received support <>. Most likely it will be subsidies that enable low-income families receive free food. Maxim Mikhalev, director of marketing and sales CUSTIS: The proposed scheme is very ambiguous, as it is, ultimately, can lead to higher inflation. And it will hit the poor, for whom everything and brewing. From my point of view, to solve the problem of providing food for poor people the most correct - to use the experience of foreign colleagues. For example, in Germany there is the following mechanism: the companies involved in the support of citizens living below the poverty line, free of charge collected at the supermarket foods, shelf life which is coming to an end, but has not yet expired. Stores sell such goods unprofitable, but the cost of them, however, not reduced. Collected on the food companies set a symbolic price of 1 euro, arranging some kind of sale. As a result, low-income citizens have the opportunity to buy a quality product for little money. On the sale of coins through the machine Sberbank intends to establish a network of automatic machines that sell money from precious metals. This BOC is pushing an increasing demand for commemorative coins and queues at branches. Vitaly Travin, head of dealing and transactions with the physical metal, "Master-Bank": The idea is interesting and, in principle, fully realized. At the same time, the problem lies not only in the queues. If the sale of the coins will be implemented through a network of machines, then the question remains open on the reverse of their redemption. This process can not be automated and still requires training of new staff to work in offices. After all, for a major operator of the market of precious coins is extremely important to ensure that the process of bilateral quotations. About the best banking brands Consulting company Brand Finance in conjunction The Banker published an annual ranking of the largest banking brands in the world by the end of 2010. In the top-500 includes 8 Russian banks, including Sberbank, VTB, Bank of Moscow, Rosbank, Uralsib, "Transcreditbank", "Zenith" and "St. Petersburg". Alexander Vikhrov, chief executive officer Uralsib: Of course, it is nice to know that, according to the agency Brand Finance, the bank's brand Uralsib has risen in price over the year by 40%. To do this, there are substantial grounds. First, the rapidly developing international business, in addition, the experts seem to have taken into account and, attracted by the bank during the second half of the year syndicated loan worth $ 275 million The deal generated considerable interest among market participants: in original loan amount of $ 150 million oversubscription was 83%. In total, this transaction was attended by 17 credit institutions from Europe and the USA. In addition, last year we completed the consolidation under a single brand of banking corporations, which will also increase the rating positions. An important factor was the growth and client base in the small and medium businesses. 35% increased the volume of natural persons. It is noteworthy that this figure is comparable to the percent increase in the value of our brand in a year. This is a good sign. Press office TransCreditBank: Our bank is among the most expensive banking brands through systematic and planned with his clients and particularly with the company RZD, in both retail and corporate segment. On the insurance market and rise in price policy OSAGO in the Russian insurance online head of the Federal Service for Insurance Supervision (FSIS), Alexander Koval noted decline in the quality of assets of insurers and their financial instability and lack of growth of confidence among the population to protect their risks. As the trend in the coming year, an official named: the inevitable rise in price of compulsory civil liability motor, increased competition and dumping. Evgeny Pavlenko, chairman of the OJSC "National Insurance Group: Indeed, in 2011 we expect to increase tariff rates on compulsory motor TPL insurance. According to preliminary data is discussed in terms of tariff increases in base rates by approximately 20-30%. This measure today is a forced and necessary because of the steady rise in the level of annual payments, and current rates are unprofitable. At the time of occurrence OSAGO rates some time remain relevant, but today they are clearly nedotyagivayut to the proper level in some segments of transportation. With regard to exacerbation of dumping, the insurance market is highly atomized, the market there is an excessively large number of insurance companies, which significantly differ in size. Consequently, small companies is difficult to compete with large federal business, and the only competitive advantage of such an insurer remain extremely low rate. The logical development of the dumping will be a gradual withdrawal from the market dumping small companies, whose financial condition will inevitably deteriorate. Another part of the insurers can be absorbed by big players, if their portfolio and the assets have some value. Of the group of medium-sized insurers will survive only by those who manage to find their well-defined niche. A new method of assessing the credit risk the central bank announced the terms under which will be introduced enhanced approach of credit risk assessment provided for Basel II. Its use is planned for 2015. Paul Samokhvalov, director of risk B & N: Go to the advanced approach to the assessment of banks' risks - one of the basic conceptual ideas of Basel II. Now our bank has in its active phase is an advanced stage of the approach in assessing the operational risk. To this end, the bank purchased and implemented an automated system of operational risk management world-class, is the collection and data storage. Obtained in this case, experience has shown that the transition to the advanced approaches in terms of credit, market and other banking risks requires three conditions: statistics, automated risk management system and qualified personnel. According to our estimates, we can solve this problem in a shorter time than established his control.
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