often in contemporary literature can meet different concepts, the essence of which we do not fully know.That such is the phrase "bank resolution".Let us try in this article is more to understand.
So, what is rehabilitation, what impact it may have on the operation of financial institutions?
essence term
Sanitation is a kind of healing procedure of banking institutions in the financial plan.This procedure can be carried out in credit institutions, but only if it is possible to avoid bankruptcy and to preserve the state's economy or a particular region's largest and most important banks.The answer to the question of what rehabilitation is the following: is the search for a suitable investor or the general financial health through its own forces and resources.
Who benefits?
Depositors reorganization profitable.You can use it to save money in full, and not only to receive the indemnity provided for by the current legislation and is 700 thousand. Rub.At the same time that such a readjustment, well aware of the legal person, if one is an investor-buyer for the whole of such a problem bank.Thanks to these measures economic entities continue to fully serviced in the same banking institution.
However, the word "rehabilitation" loses its meaning when the "hole" of bank balance is equal to its balance.Such a financial institution can not be restored.The relevant law provides the right to waive the financial recovery of banks.Today, rehabilitation takes place in fifteen banks in Russia.
Thus, we can formulate what the word "sanitation".This exercise activities involving not just the restoration of the bank's liquidity, but also the transformation of the customer base to restart lending, reviewing internal and external processes, optimization of personnel and branch network.
Way improvement
So, you must clearly know the features of the situation, as the reorganization of banks can be accomplished in several ways.
Firstly, the sale of such a "bad bank" other banking institutions for a symbolic price.
Secondly, conducting rehabilitation jointly Deposit Insurance Agency (hereinafter - DIA) and commercial organizations.
Third, some of the assets, liabilities rehabilitated banks transferred to another business entity with legal personality.
Fourth, only by carrying out rehabilitation DIA.
Thus, what is rehabilitation?It measures to prevent mass bankruptcies of banking institutions.It's safe to say that if the above steps are implemented, it is possible to avoid the closure of the bank.
major issues
If you go to a third way of readjustment, ie,to transfer assets and liabilities of a legal person with the optimization of staff, bank staff, such a procedure could be perceived inadequate.In addition, it is quite successfully challenged the bank's clients in the courts.
fourth option sanitation - holding it only by the DIA - is a very rare case.The procedure can take place only in the absence of other investors.
SOLUTIONS
So, to solve the problems arising with the staff of the institution, the administration carried out explanatory work.In other words, the employees of the banking institution must understand the reason for the reorganization occurred, and what steps are being taken to address it.Also, employees must be able to reassure and provide all necessary information to customers of the bank.
next step solutions to problems arising in the process of rehabilitation of the bank, is the organization and strengthening of call center with the number of lines and competent operators whose main task is to prevent the outflow of depositors and retrieve their assets bank customers.
third step should be continuous monitoring of various media on various publications on the banking institution.This is a dramatically negative and hostile messages from clients and third-party observers.
And the last step is to set a fixed time for meetings with representatives of the media economic orientation.Bank staff should provide journalists with accurate information about the financial condition of the institution.In addition, the economic publication may be given a schedule of activities for rehabilitation in order to achieve concrete results.However, they should be applied in nature.Required to attach documents directly confirming their reality.
