The state Duma adopted in the third final reading the law on the division of credit institutions for banks with universal and basic licenses. On Friday, April 21, according to "Interfax".
Universal banks will apply the requirements of the Central Bank in full, and their capital should be not less than one billion rubles. This condition will take effect from 1 January 2018.
The Bank with a basic license can open deposits of physical and legal entities, to open and maintain Bank accounts, conduct money transfers, foreign exchange trading, to issue Bank guarantees, as well as to lend to individuals and small and medium-sized businesses. To provide loans to larger companies banks with a basic license can in that case, if the maximum risk per borrower or group of related borrowers does not exceed 20% of the capital of such a Bank.
The banks with the base license you will be holding a series of banking operations with foreign legal and physical persons. In particular, they will be allowed to place the raised funds, issuing Bank guarantee to attract deposits of precious metals.
Be governed by these banks will be under the simplified system. The minimum capital of banks with a base license will be 300 million rubles. If you increase capital to billion the Bank with a basic license may apply for a change of license on the mainframe. Limit the amount of capital for the organization with a basic license will amount to three billion rubles. This means that on reaching this goal to the Bank to apply full regulation. her.
Mass closure of Russian banks began in 2013. The Central Bank has decided to improve the banking sector, removing from the market of the credit organization, whose activity is questionable. Most often licenses are revoked due to violations of the normative acts of the Bank of Russia, the AML / CFT legislation and for conducting high-risk lending policies.
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