Институт санации кредитных организаций в России: проблемы и перспективы развития

Abstract

The article is devoted to the study of the institution of rehabilitation of credit institutions in Russia, its current problems and prospects for further development. The author examines the influence of the institution of reorganization on the stability of the country’s banking system. The object of research in the article is the Institute of Reorganization of Credit Institutions in Russia. The subject of the study is an assessment of the current state of the domestic institute of rehabilitation of credit institutions. The theoretical and methodological basis of this article is the normative legal acts of the Russian Federation, the normative acts of the Bank of Russia, scientific publications and studies of Russian scientists devoted to the study of this issue. Statistical materials of the Federal State Statistics Service, the Bank of Russia, as well as other information materials posted on the Internet were used as an information base. The study is based on methods of statistical analysis, a review of literature, regulations and other information sources concerning the rehabilitation of credit institutions, and covers 1990-2021. The definition of rehabilitation of credit institutions is formulated. The main stages of the development of the institution of rehabilitation of credit institutions are considered: the mechanism of the rehabilitation procedure, the main changes in it at each stage of the institute’s development, its advantages and disadvantages. The ‘credit’ mechanism of bank rehabilitation with the participation of the Deposit Insurance Agency (DIA) and the mechanism with the participation of the Management Company of the Banking Sector Consolidation Fund specially established by the Bank of Russia (LLC “CC FCBS”) are considered in the most detail. Each of these mechanisms has its advantages and disadvantages highlighted. Currently, both of these methods are used in Russia. Based on the analysis of the current state of the institute of rehabilitation and the effectiveness of the rehabilitation of credit institutions, a number of problems are identified: the lack of a single regulatory act regulating the activities of this institute, the high cost of the procedures of rehabilitation, etc. Recommendations for their solution and improvement of the institution of rehabilitation of credit institutions in Russia are given for each identified problem.