Responsibility of the bank and the borrower must be mutual

What sectors are most in need today to refinance the loan and how organizations build a dialogue with its borrowers, said president Michael Binbanka Shishkhanov. Michael Osmanovic, how feasible do you think the task of crediting the real sector of the economy posed by the authorities to banks? Now there is a rethinking of all the values ??in the economy. I think the consumer market, which was formed in the last few years (although this may be affected mainly large cities), the same leaps and bounds will not develop. But a healthy economy in any country without the consumption impossible. Accordingly, the actions undertaken by the State in this direction should be more active. In particular, the state must clearly identify those segments of the economy, which will become a priority in the medium and long term. First of all it should be industry, whose support can help people safely through the crisis. But not only. I think that should be based on generally accepted throughout the world consumption rates, preventing them from falling. Each family needed housing, means of transportation and basic goods. Around it and need to build the entire sphere of lending. I'm not talking about public policy tasks, such as support for the defense industry, aviation, shipbuilding, etc. - this is likely to engage in state-owned banks. Is there any sector that within this concept in need of credit support more than others? The first thing to pay attention to the construction segment. This is one of the most important moving sectors in any economy. Since it involves a lot of areas: construction materials, metallurgy, construction work itself, etc. It is known that one job at a construction site provides six and a half jobs in associated industries. It is as a residential and a commercial building, as well as the modernization of public institutions and infrastructure construction. Important is the fact that the basis for the construction sector, we have our own manufacturing base. This means that today, the building erected mainly of Russian construction materials such as stone, cement, finishing materials. That is, additionally have the opportunity to stimulate domestic production and not importation. Do not forget that the construction sector in the infrastructure of its directly connected with the strengthening of the state. I mean, as the development of economy, trade relations and closer political integration of individual regions. And this is due to the security of the country. In Europe, for example, you easily get from point A to point B, there are many roads and railways. We also from Chita to Ulan-Ude had to fly via Moscow, and about the road I did not say. But assessing whether the majority of these efforts, if an apartment lined up in houses they can only buy on credit at high interest rates? There is nothing wrong that many people live on credit. People should not hoard life money to buy a home. If citizens are not satisfied with life, he can not work normally. It is unlikely that someone would give all the forces working with vague prospects in 30 years to buy an apartment. From a young age people should be confident that, having received a good education, he would have demanded a public profession and be able to provide his family life. Only then it will work efficiently and, hence, will contribute to the economy. In my opinion, the mortgage must be developed specifically at the state level. And last gosmery in the form of support HMLA credit funds amounting to 40 billion rubles - a clear confirmation of understanding by the authorities magnitude of the problem. In the same way as car loans: in this market segment is a global problem - rampant fraud, and yet at the legislative level will not put the state registration of mortgage of movable property, the banks promote this product will be difficult. What other industry can be called a priority? Attention should be engineering, it is rather delicate matter - tied to the industry and the automotive industry. In order to avoid social unrest, now just need to maintain this area. And, of course, retail. Without the retail level can not be the normal development of the economy and society as a whole. You can not go back to the early 1990's, when on every street corner traded food. From this the first to suffer the health of the nation, and the second - tax collection and monitoring of cash flow. State support of the banking sector in large part addressed only state-owned banks. How wrong are those who argue that private entities should not be artificially maintained and the market must decide which of them will survive? Our banking system is past the stage when all banks were state-owned. To anything good this has not led. We have a huge country, which live about 140 million people. And everyone should provide jobs and decent living. To do this, I'm sure must be, if not thousands, then hundreds of banks like, among which will be presented and governmental and quasi-banks and credit organizations with foreign participation and private capital. But, as a representative of a private bank, I can responsibly declare: that the Russian banks in the autumn of last year were able to pass the liquidity crisis, there is great merit of the government and the Central Bank. They worked very efficiently, thereby seriously supporting the entire banking system. But are all behind? Now many people talk openly about the coming second wave of crisis ... Yes, but it has to be connected not with the liquidity crisis, and with the legal capacity of a bank and its ability to work under new economic conditions. The yard is not 1998 and the projected second wave of crisis bank customers will not suffer. Today, the deposit insurance system works very efficiently. And supervisors will not need to invent a mechanism withdrawal of a credit institution of the crisis. Even if a single bank will have difficulty in his rehabilitation process will acquire another bank, the investor and will take under his control. Actually, look at our example. Binbank sanitized Bashinvestbank, which today continues to work steadily and to expand the market of Bashkortostan. In addition, this procedure is an additional opportunity for the development of more powerful players. But there is another side to the coin: I, as a banker engaged in business and I need to earn money. Problem that can arise from many banks - is credit default. Today, many customers not to refuse to return the debts they simply can not do so because of circumstances. This is a case where banks have to work with borrowers restrukturiruya loans. But all the debts are not restrukturiruesh. As far as the customer can be sure that he will meet on this issue? Binbank spends a great job: we are going to customers, without waiting for possible problems and suggest the possibility of restructuring themselves. In addition, we adopted a new strategy: one bank - one client. That is, if the client has another lender, we perekreditovyvaem and have full control over the payment of a single debt. In addition, we have formed good reserves for the fourth quarter of last year, thus seriously to insure itself against a possible increase in loan defaults. But it's better now openly face the truth and to lay all the potential risks. Then, if the situation improves, these reserves are restored. In my opinion, the bank owners must seek out - or pledge their money to capital does not consume or seek investors to sell bank. At the beginning of the crisis, we have increased its own funds the bank's capital by 100 million dollars, so long as we are saved dual standby - a year and a half or two to us it will suffice. Those banks that have no such opportunity will not be sold or merge. Whether banks are facing problems with debt restructuring loans? Special problems with corporate clients, I do not see. Of course, many businesses are not very good situation, but today few people chasing a windfall. Where more problems delivering private clients - other do not even want to go for restructuring, writing off all the force majeure. But the responsibility of the bank and the borrower must be mutual, because banks generally play the role of the circulatory system, carrying out flow of money. Without the banking sectors of the economy can not exist. Therefore, borrowers should take responsibility for their duties and perform them. All processes in the economy are interrelated. As the borrower will treat your lender and the lender will apply to the borrowers.