Эксперт: Калининградские региональные банки вытесняются крупными федеральными игроками

Фото rugrad.eu

{"ID":"483424","~ID":"483424","TAGS":"виктор титов, ассоциация банков северо-запада, калининград, банки","~TAGS":"виктор титов, ассоциация банков северо-запада, калининград, банки","NAME":"Эксперт: Калининградские региональные банки вытесняются крупными федеральными игроками","~NAME":"Эксперт: Калининградские региональные банки вытесняются крупными федеральными игроками","IBLOCK_ID":"54","~IBLOCK_ID":"54","IBLOCK_SECTION_ID":"4067","~IBLOCK_SECTION_ID":"4067","DETAIL_TEXT":"\u003Cp\u003EКалининградские региональные банки соответствуют новым требованиям по величине уставного капитала. Об этом на своей пресс-конференции в минувшую пятницу рассказал исполнительный директор Ассоциации банков Северо-Запада Виктор Титов. По его словам, банки не стали перерегистрироваться, при этом ряд банков соответствуют требованиям \u0026laquo;впритирочку\u0026raquo;.\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\u0026laquo;Беспокоят заявления руководства Министерства финансов правительства РФ, что надо поднять планку по уставному капиталу до 1 млрд руб. Если в правительстве пойдут по этому пути, то это может полностью уничтожить систему региональных банков. Есть такие настроения во властных кругах, что для России хватит 200 банков, а остальные черт знает чем занимаются\u0026raquo;, - рассказал Виктор Титов. При этом он отметил тенденцию, согласно которой малый бизнес охотнее сотрудничает с региональными банками \u0026laquo;на местах\u0026raquo;, так как у них другая технология принятия решений.\r\n\u003C\/p\u003E\u003Cp\u003E\r\nОсобенностью Калининградской области Виктор Титов назвал сокращение в регионе количества региональных банков \u0026mdash; несколько лет назад их было более десятка, в настоящее время \u0026mdash; всего три. \u0026laquo;Ваш регион был на втором месте по числу банков на Северо-Западе, а сейчас вы дошли до уровня Новгорода и Пскова. В бизнесе колоссальную роль имеют масштабы, поэтому когда работают филиалы крупнейших федеральных банков, а также кредитные учреждения с иностранным капиталом, то несоизмеримы возможности формирования политики в распространении услуг\u0026raquo;, - пояснил Виктор Титов. При этом в том же Пскове, отметил он, небольшой региональный банк нормально работает, так как регион не очень интересен федеральным учреждениям из-за отсутствия поля для деятельности.\r\n\u003C\/p\u003E\u003Cp\u003E\r\nИсполнительный директор банковской ассоциации выдвину предложение закрепить статус региональных банков. Соответствующий опыт, отметил он, есть в Германии и Швейцарии, где банки существуют по 200 лет, работая на своей территории и решая социальные задачи. \u0026laquo;В 90-х годах было 3500 банков, сейчас меньше 1000, наблюдается дальнейшее снижение. Опыт показал, что, может быть, у мелких банков и больше проблем, но и в таких общефедеральных учреждениях как \u0026laquo;Банк Москвы\u0026raquo; обнаруживается целый букет проблем и нарушений\u0026raquo;, - заявил Виктор Титов.\r\n\u003C\/p\u003E\u003Cp\u003E\r\nТакже на пресс-конференции обсуждалась тенденция изменения статуса представительств банков в регионах с филиалов на операционные или дополнительные офисы. Было отмечено, что банковский филиал требует отдельного баланса, бухгалтерии, финансового мониторинга и других служб. С другой стороны банковский офис просто отправляет в филиал или головную контору проводки, что существенно снижает издержки. По сути, разница между статусами небольшая - у филиалов более серьезные лимиты кредитования, а также другие элементы самостоятельности в кредитной политике. Изменение статуса филиала на офис \u0026mdash; это общероссийский тренд, связанный с изменениями законодательства, в соответствии с которыми разрешено не иметь обязательного филиала в субъекте федерации, где представлен банк. При этом на открытие банковского филиала, по существующим оценкам, необходимо до $500 тыс.\r\n\u003C\/p\u003E\u003Cp\u003E\r\nОтметим, что из 11 региональных банков, функционировавших в регионе на начало 2008 года, 3 учреждения (\u0026laquo;Балткредобанк\u0026raquo;, \u0026laquo;Муниципальный коммерческий\u0026raquo; и \u0026laquo;Сетевой Нефтяной\u0026raquo; попали под процедуру банкротства, еще 3 структуры (\u0026laquo;Морской коммерческий\u0026raquo;, \u0026laquo;Балтийский социальный коммерческий\u0026raquo; и \u0026laquo;Стройвестбанк) были поглощены более крупными федеральными игроками; еще 2 банка (\u0026laquo;Балтика\u0026raquo; и \u0026laquo;Инвестбанк\u0026raquo;) сменили \u0026laquo;прописку\u0026raquo; с Калининграда на Москву. \r\n\u003C\/p\u003E\u003Cp\u003E\r\n\u003C\/p\u003E","~DETAIL_TEXT":"\u003Cp\u003EКалининградские региональные банки соответствуют новым требованиям по величине уставного капитала. Об этом на своей пресс-конференции в минувшую пятницу рассказал исполнительный директор Ассоциации банков Северо-Запада Виктор Титов. По его словам, банки не стали перерегистрироваться, при этом ряд банков соответствуют требованиям \u0026laquo;впритирочку\u0026raquo;.\r\n\u003C\/p\u003E\u003Cp\u003E\r\n\u0026laquo;Беспокоят заявления руководства Министерства финансов правительства РФ, что надо поднять планку по уставному капиталу до 1 млрд руб. Если в правительстве пойдут по этому пути, то это может полностью уничтожить систему региональных банков. Есть такие настроения во властных кругах, что для России хватит 200 банков, а остальные черт знает чем занимаются\u0026raquo;, - рассказал Виктор Титов. При этом он отметил тенденцию, согласно которой малый бизнес охотнее сотрудничает с региональными банками \u0026laquo;на местах\u0026raquo;, так как у них другая технология принятия решений.\r\n\u003C\/p\u003E\u003Cp\u003E\r\nОсобенностью Калининградской области Виктор Титов назвал сокращение в регионе количества региональных банков \u0026mdash; несколько лет назад их было более десятка, в настоящее время \u0026mdash; всего три. \u0026laquo;Ваш регион был на втором месте по числу банков на Северо-Западе, а сейчас вы дошли до уровня Новгорода и Пскова. В бизнесе колоссальную роль имеют масштабы, поэтому когда работают филиалы крупнейших федеральных банков, а также кредитные учреждения с иностранным капиталом, то несоизмеримы возможности формирования политики в распространении услуг\u0026raquo;, - пояснил Виктор Титов. При этом в том же Пскове, отметил он, небольшой региональный банк нормально работает, так как регион не очень интересен федеральным учреждениям из-за отсутствия поля для деятельности.\r\n\u003C\/p\u003E\u003Cp\u003E\r\nИсполнительный директор банковской ассоциации выдвину предложение закрепить статус региональных банков. Соответствующий опыт, отметил он, есть в Германии и Швейцарии, где банки существуют по 200 лет, работая на своей территории и решая социальные задачи. \u0026laquo;В 90-х годах было 3500 банков, сейчас меньше 1000, наблюдается дальнейшее снижение. Опыт показал, что, может быть, у мелких банков и больше проблем, но и в таких общефедеральных учреждениях как \u0026laquo;Банк Москвы\u0026raquo; обнаруживается целый букет проблем и нарушений\u0026raquo;, - заявил Виктор Титов.\r\n\u003C\/p\u003E\u003Cp\u003E\r\nТакже на пресс-конференции обсуждалась тенденция изменения статуса представительств банков в регионах с филиалов на операционные или дополнительные офисы. Было отмечено, что банковский филиал требует отдельного баланса, бухгалтерии, финансового мониторинга и других служб. С другой стороны банковский офис просто отправляет в филиал или головную контору проводки, что существенно снижает издержки. По сути, разница между статусами небольшая - у филиалов более серьезные лимиты кредитования, а также другие элементы самостоятельности в кредитной политике. Изменение статуса филиала на офис \u0026mdash; это общероссийский тренд, связанный с изменениями законодательства, в соответствии с которыми разрешено не иметь обязательного филиала в субъекте федерации, где представлен банк. 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