Not every activity can be practiced freely.Some species require the implementation of special conditions to comply with the law.Apart from the fact that any activity must be registered to engage in certain types of business require further obtain the necessary license.On licensing certain types of activities we learn from special acts.In particular, there is the Law "On licensing of certain activities" No. hundred twenty-eight, the State Duma of Russia adopted the thirteenth of July two thousand and one, and came into force on August eighth two thousand and one.Article Seventeen of the Act defines an exhaustive list of activities subject to licensing.Total in this article one hundred and five points, we have a lot of varieties of business activities subject to licensing.Examples of these types of activities include, for example, work
- the design, manufacture, repair and testing of aircraft;
- dissemination, maintenance, service, production and development of encryption tools;
- for development and technical protection of information;
- with military equipment and weapons, and the like.
legislation on licensing certain types of activities provides for mandatory to obtain authorization to engage in banking activities.Why do it?In order to make the banking system more stable and reliable, not only to protect the interests of creditors and depositors.Any bank before you begin any activities required to obtain the necessary license, which clearly will be spelled out all the operations that allowed this commercial organization.
What is the licensing of banking?It is a commercial bank to obtain a special, statutory, permission to perform specific operations.But for the branches of these banks are not required to self-license, they operate under the license of the bank and with the permission in writing.
So, the bank as a business entity in accordance with the Federal Law on the licensing of certain activities need to initially obtain this license for the following operations:
- deposition of citizens and organizations (receiving deposits from them);
- opening client accounts and their management;
- factoring and leasing;
- provide safe and secure storage;
- output and turnover platezhek;
- bank card services;
- consulting services.
addition, banking organizations attract money borrowed funds, are responsible for the risks.
addition to a license for certain activities of banks, still need approval of the Central Bank.These operations belong:
- operations with currency values;
- issue of securities (private) bank, including on behalf of the client;
- investment activities in relation to other organizations;
- issue and circulation of lotteries;
- collection services and some operations.
Neither the bank did not receive a license to conduct manufacturing activities and the classic trade, insurance, except for the mediation.
central bank gives a commercial bank license if all the conditions:
- fully paid;
- availability of the necessary equipment and technology;
- Suitable facilities for the bank;
- the presence of the Board of Directors.
For operations that require the written consent of the Central Bank, it is necessary initially to obtain a license itself, have the required regulatory capital, the Central Bank to provide a business plan to prove financial viability to conduct banking operations, have the appropriate units and perform other required conditions of the Central Bank of Russia.
