BUT. B. Tupikin, First Deputy Chairman of the Board of Ratibor Bank: “Now there is a redistribution of the credit market. Until recently, many customers went into large banks, where there were more preferential lending conditions: they did not pay attention to their minus balance, not needed a key. They currently have an outflow of customers. Large banks have become more demanding on customers and turned off lending. However, the demand for loans is. The Bank of Russia could take into account in its regulatory documents the actual state of 90% of enterprises that had losses in the conditions of crisis. The decline in production is observed in most large corporations, as well as in small, “tied” to consumer demand, which has significantly decreased “.
FROM. R. Moiseev: “The Bank of Russia is not responsible for fulfilling the intended targeted guidelines. And if the Central Bank of the Russian Federation moves towards inflationary targeting, whether it is hybrid or clean, then, of course, it would be useful to increase the responsibility of the Central Bank for achieving its indicators. In this regard, the experience of other countries is interesting. For example, in New Zealand, if targeted guidelines are not fulfilled according to the results of the period, then the leadership is resigned. It is advisable in our such cases to use a greater rotation, at least members of the Board of Directors of the Central Bank, according to the results, for example, 3 years of reaching targeted guidelines. It is also possible to apply the concept of the management of the leadership abroad, attaching it to macroeconomic results, t. e. To achieve targeted guidelines. But to introduce such a concept, an agreement is needed within the framework of the National Banking Council or amending the Law on the Central Bank “.
BUT. FROM. Tikhotsky: “A serious risk is associated with a decrease in the profitability of medium -sized banks. Medium business, which, as a rule, is served by such banks, is in a worst position than state corporations that receive cheap money and more favorable market conditions. This is an important issue, it concerns many banks, since the moratorium on accounting for the profitability group, calculated in accordance with the instructions of the Bank of Russia 1379-U, ends when deciding on the issue of compliance with the bank with the requirements for participants in the SSV. The profitability of the banking business will decrease, many banks, especially regional ones, will not be able to fulfill the requirements for profitability. And if they take away the licenses, then the DIA fund will not be enough to fulfill the obligations on deposits “.
YU. G. Petrov, president of an independent construction bank: “The actions of the Central Bank during the crisis is a sample of how to work. However, the function of the Central Bank does not include providing commercial banks with long resources. By analogy of the work of the Central Bank with repo and auctions, it is possible to place state money in banks. But at the same time, to set the condition that they should go to the target order to lend the real sector, and place evenly and on normal conditions at an affordable interest rate. The central bank could take the function of monitoring this process “.