ting the activities of the past provided the relevant banks in SKIM legislation. So, given the current situation in the economy CBR regulates commercial banks through the use of such a complex economical e Sgiach methods as:
Changes in reserve requirements placed by commercial ba nk and E in the CBR;
Change the volume of loans to commercial banks to the Central Bank, as well as straight about interest rates on loans;
Transactions with securities and foreign shaft that th.these purposes, the CBR was developed in the 1991 instruction number 1" On the order and regulation of commercial banks« ing »and Notes on the formation of the centralized funds ba n Russian banking system by contributions from commercial banks that joined the de th consequence to July 1, 1991 ofaccordance with the above regulations CBR image from a reserve fund credit tion system of the Russian Federation, whose funds formed by reserving it in a certain percentage of funds attracted by commercial banks and the foreign enterprises and governmental organizations org.
Chapter 2. Bank risk AND THEIR METHODS AND ADJUST tion
.1 CONCEPT «BANKING RISKS»
entity acts of market relations «in their right forks,» a one and at the same time adhering to the letter of the law. Su exists, of course, and the state n tion regulation, and then adds the hassle of credit institutions. In such a time, banks under such an unstable, rapidly changing situation yuscheysya forced to consider all possible consequences of their actions jumping n Comrade, customers and anticipate the probable changes in the legislation. Ima n but this uncertainty and an increased level of risk - is the fee for obtaining n ing economic freedom (although having Yasya economic «freedom» is still far from the freedom that is required for the normal dynamics of the market economy - but that's another topic). banking market is unthinkable without risk. Risk is inherent in any operation, but it can be of different scales and different «smya g chatsya» compensated. Have lo be highly naive to look for options implementation phenomenon of banking operations which would completely exclude the risk of Chali and advance would guarantee certain financial sovy result. With such a spoiler on the house to the point in the market for a long time and it is impossible to stop to as the «afloat.», For the banking activities important YaV determined not to avoid risk at all, and the foresight and reducing them to a minimum.is risk? A risk is understood as the probability bility, or rather Mr. Rose Bank of the loss of their resources, revenue or produced e additional expense as a result of the definition of n tion financial cial operations. In this connection it is necessary to navigate the application next e subsequent categories:
* Expenses.activity is impossible without costs. Ras moves banks associated with the need to pay interest to depositors, fees for loans purchased from other financial institutions for funds for work on n lat bank employees and other operating expenses tional. In applying the concept of risk costs may occur in the following forms: changing market conditions have resulted tion requiring higher percent Comrade, Vai and paid on deposits; universal deficit loan resources affected the types s shenii their purcha...
