Kodi subordinated ngongole?

Tanthauzo: Subordinated ngongole - ndi mtundu wapadera wa kukongoza, imene banki gulu wotsegulira mu Russia pasanafike zaka zisanu zapitazo, kukopa ndalama za Bank ku Central chifukwa kukhazikitsa ntchito yake kwakanthawi choposa zaka zisanu. Mbali ngongole ili ndi chiwerengero amodzi amene sasintha pa nthawi ya mgwirizano ndipo alibe olumpha mlingo wa refinancing.

Childs, subordinated ngongole yaperekedwa malipiro umodzi pambuyo atapita ngongole utumiki operekedwa mu mgwirizano, koma kupatulapo limakhala vuto kumene banki wobwereka amakakamizidwa kwathunthu kusiya ntchito zawo, kuyambira ndondomeko liquidation. Mu nkhani iyi, wokongoza opereka ngongole subordinated mwina amafuna kuchokera insolvent banki pobwereka ndalama zawo mpaka nthawi monga adzakhala akakwaniritsa ndi zofunika ndalama ku mabungwe ena onse.

Features: banki M'banja kulandira subordinated ngongole ingathandize cigawo chuma ngongole kudzera mwa likulu zina kwa zaka zisanu, ngati mgwirizano lonjezolo Bank ku Central kwa nthawi yaitali. Ngati pasanathe zaka zisanu anachoka pamaso pa malipiro chomaliza cha ngongole ndi, wobwereka akhoza kugwiritsa ntchito ndalama kuonjezera chilungamo yekha ndi malamulo. Ngati kumene kuchuluka ngongole ndi oposa 50% ya likulu bungwe ndalama, ngati ngongole ayenera kutengedwa ngati ndalama anamuukitsa.

Terms: Panopa subordinated ngongole mwapatsidwa pamaziko a mgwirizano munthu, mbali yaikulu ya amene akukhala pamaso pa item wapadera kuti ngongole ndi chidwi adadza akuthamanga banki wobwereka sangakwanitse kubweza patsogolo ndandanda popanda choyamba chilolezo kuchokera Bank wa Central. Monga wokongoza Bank Central, Russia akhoza kutsirizitsa anamaliza pangano ngongole pambuyo pangano ndi wobwereka cha zinthu ngati zimenezi kapena bweretsani chomveka kusintha kulikonse kwa mgwirizano.

M'malamulo panopa, banki-wobwereka mukhoza kupeza subordinated ngongole ngati zinthu izi ndi imodzi kukhuta. Choncho, nthawi alipire ayenera kupitiliza zaka zisanu, zikhalidwe za issuance kumangidwa ngongole sizingasinthidwe popanda chilolezo cha m'mbuyomo Bank ku Central la Chitaganya cha Russia, ndipo sikuloledwa kulipira mbali iliyonse oyambirira a ngongole kapena thupi zonse ngongole, kapena chidwi pa izo yatha. Koma iye anali ndi chiwongola dzanja zotchulidwa mu zikhalidwe za issuance wa ngongole, ndi mapangano pakati pa wokongoza ndi banki wobwereka chimasonyeza kulephera kumaliza review ake nyengo crediting.

Kawirikawiri subordinated ngongole wosindikiza pafupifupi zinthu mofanana ngongole zina, ndi chiwongola dzanja pa zosiyanasiyana ngongole ndi pafupifupi zogwirizana ndi ndalama pafupifupi chidwi pa ntchito pulogalamu imeneyi ngongole. Ndipo ngati banki, wobwereka amakhala mu mkhalidwe bankirapuse, wobwereka adzatha kutenga ndalama zawo pambuyo bankirapuse kukhutitsa angongole otsala.

History: Mu 2008-2009, pa gawo pachimake cha mavuto azachuma cha ngongole subordinated ntchito kusunga mtendere wa dongosolo Russian kubanki. Udindo wa yang'anira si anachita ngati Bank ku Central ndi Vnesheconombank anapereka ruble ngongole kwa ena mabungwe Russian ngongole. Woyamba ngongole ngati analandira Bank ulimi ndi VTB, chifukwa msinkhu wawo zochitika ndithu mogwirizana ndi zofunika osachepera mlingo, ndi deta likulu mabanki chinawonjezeka ndi zopereka lachitatu maphwando ndi ma sheya hoda.