touched upon in principle can not be presented on a single page of printed text.Therefore, we show a schematic and fragmentary joint stock commercial bank with foreign investment.Is it always the banks are developing or often degraded (under the guise of colorful advertising leaflets)?Is the fate of the institutions sold a private matter for the buyer?Is the existing supervision of the Central Bank of the activities of the senior management of a commercial bank?
Quick lighting
macroeconomic role in the world economy is dominated by two-tier banking system, headed by the central state-owned banks.The first level consists of commercial banks - multifunctional agents of the state economy.Under the guidance of and in cooperation with the Central Bank of the country carried out the activities of commercial banks.Produced circulation of money (cash and cashless).An important economic function of commercial banks is lending to businesses and households.They are under the control of the Central Bank of the country carried out an appeal currency.In other words, commercial banks - is the "workhorse" of the financial system, because they produce a large portion of the total cash management services economy, servicing numerous accounts of their clients.
«Bad» foreign management.His strategy
-stock form of organization of commercial banks often involves the purchase of a controlling stake by large foreign banking corporations.In our markets, they come because of the high interest rates - the main landmark of "cheap" and "expensive" money.Our money - super-expensive.Our commercial banks - a real Klondike profit on loans.For example, a commercial bank "A" having the regions network of 500 branches, was the "daughter" of foreign banking group.How to consider the possible threat to the domestic banking system?Through the sale, it is important to establish standards for proper management of redeemed property complex.
bad when greed exceeds talent
Bank - is a fragile structure, and it should evolve with adequate management.For some reason, the central bank allowed to drift merchandising.This is a very important point.Inadequate planning commercial banks - a threat to the integrity of the banking system.Here are all the tricks are good: for example, the high cost of rent.At the same time a foreign manager gets all that he needs - short-term profits.But foreign managers do not think about the integrity of our banking system, their area of responsibility coincides with the term of the contract.Incidentally, this is an international problem.
Do not forget that commercial banks - are major employers, providing hundreds of thousands of family income.But workers department of "A" are the unemployed and the "daughter" is weakening, losing another "workhorse" among its branches.And here in our bank "A" at the end of the quarter cut 20 such offices.During the three years of this work will be only half of the offices with good profitability.Where is the Central Bank?He is aloof.
Indicators professional incompetence management
Excessive focus management on a profit for their foreign boss should not be an objective to reduce the attractiveness of the bank's fees.The principle of non-worsening rates can be quite bargained for the sale of the organization.After all domestic commercial banks - a structure that originally should not degrade its quality.
Central Bank and the state should interest the real reason why the deposits of the bank suddenly began to resemble the interest on its current accounts, loans become non-competitive objective.The state must be designed range of personal responsibility of senior management for the deterioration of the quality of bank rates - the basis for its further development, and signs of excessive "squeezing" of financial resources from the bank, breach of its harmony.If management has led to the deterioration of the bank's objective "A", it would be logical for the Central Bank has real levers to remedy the situation.
concluding article, I want to note that commercial banks - is the establishment on a daily basis and has been steadily toiling hard to make the financial system of the state and get it developed.
