Abstract
The article says about the specific regulation of banking groups in Russia and applicability of the category in corporate structuring M&A practices. Relevancy and importance of the research are based on increasing attention of the regulatory authorities to the disclosure of grounds and means of establishing a control over groups of entities and, controlling of expenses of funding from the budget of the State Corporation "Deposit Insurance Agency", the Central Bank of the Russian Federation. The article discusses the definitions banking group", "banking holding", "group of entities", "group of entities connected to a credit institution", consolidated "banking group" and applicability of the definitions to filing of the group statements, the use of the banks' (banking group) indicators, the applicability of these data to the efficient allocation of resources and the rehabilitation of the Russian banking system. This paper analyzes the current regulations, the author refers to the indicator maximum risk associated with the credit institution a person (a group associated with the credit institution officials), as well as a new version of the indicator maximum amount of loans, bank guarantees and sureties issued by a credit institution (banking group) to its members (shareholders) and the procedure for calculating them, which come into force from January 1,2016. At the end of the article the author suggests possible options to improve current regulations. The urgency of the problems mentioned is confirmed by cases from practice, which point to the problems identified. The novelty of the work lies in the complex economic and legal approach to risk management to ensure information transparency of banks in the performance of the duty of notification (approval) of transactions with the Central Bank of the Russian Federation and the disclosure and reporting its performance. This approach acknowledges the practical importance of the conclusions. Based on the research the author suggests legal developments to the regulations of mergers and acquisitions of banks in Russia.
Highlights
The article says about the specific regulation of banking groups in Russia and applicability of the category in corporate structuring M&A practices
The article discusses the definitions "banking group", “banking holding”, "group of entities", “group of entities connected to a credit institution”, consolidated “banking group” and applicability of the definitions to filing of the group statements, the use of the banks’ indicators, the applicability of these data to the efficient allocation of resources and the rehabilitation of the Russian banking system
This paper analyzes the current regulations, the author refers to the indicator maximum risk associated with the credit institution a person, as well as a new version of the indicator maximum amount of loans, bank guarantees and sureties issued by a credit institution to its members and the procedure for calculating them, which come into force from January 1, 2016
Summary
РЕГУЛИРОВАНИЕ «БАНКОВСКОЙ ГРУППЫ» В СОВРЕМЕННОЙ РОССИИ ПРИ СЛИЯНИЯХ И ПОГЛОЩЕНИЯХ БАНКОВ. Статья посвящена вопросам регулирования в России деятельности банковских групп и банковских холдингов, а также применения этих категорий в практике корпоративного структурирования при слияниях и поглощениях. В работе рассматриваются понятия «банковская группа», «группа лиц» в банковском регулировании, перечисляются основные способы установления контроля и мониторинга консолидации банков. Автор рассмотрел следующие проблемы мониторинга и контроля слияний и поглощений банков в России: соотношение понятий «группа лиц» и. «банковская группа», «банковский холдинг», «группа связанных с кредитной организацией лиц», консолидированная «банковская группа», а также их использование при предоставлении отчётности, в применении показателей эффективности деятельности банков и их групп, применимости этих данных для эффективного распределения ресурсов и оздоровления российской банковской системы. На основе проведённого исследования формулируются практические предложения по реформированию регулирования в сфере слияний и поглощений банков в России. Ключевые слова: слияния и поглощения, Центральный банк РФ, банковский сектор, регулирование, банковская группа, банковский холдинг
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