Voloshin biography of Togliatti

Togliatti ”about the margin of strength of the Russian banking system. Why are loans of regional banks capable of maintaining business more efficiently than large federal banks - read on the EL Bank website! December has become Shokov for Russian banks. Following this, banks were forced to increase the rates for their credit programs. As a result, according to the results of January-February of the current year, the volume of lending in Russia was doubled compared to the same period of the year.

To maintain lending to enterprises, banks have already thrown a rescue circle worth 1 trillion rubles. However, the money has not yet reached credit institutions. The chairman of the board of the city El Bank, an honorary citizen and philanthropist Togliatti Anatoly Voloshin also took part in his work. In an interview "P. In your opinion, is such an analogy appropriate?

In my opinion, many mistakes were made by the leadership of the Central Bank of Russia and the Ministry of Finance, which led to a difficult situation both in the country's economy as a whole and specifically in the banking system. But it is unlikely that anyone will take now to look for and even more so - to punish the perpetrators. There are measures to stabilize the situation.

The Russian government in January developed an anti -crisis plan. It reflects measures to support key industries. Back in December, a law was adopted on the pre -capitalization of banks through the deposit insurance agency in the amount of up to 1 trillion rubles. How did this measure help banks and economics? At the congress, representatives of the Central Bank of the Russian Federation announced that the banking system for reporting January-February of this year received a loss of 36 billion rubles.

However, the regulator hopes that by the end of the year the banking system will receive billion rubles of profit. But this is a penny for our country. In addition, I do not think that the total income of Russian banks at the end of the year will reach this indicator. So there is nothing to rejoice at. They said that banks will be provided with 1 trillion rubles of assistance, but so far no ruble has reached any of the 27 credit institutions that have fallen into the list of systematically significant.

This is from commercial banks that are currently working in Russia. At the same time, the assistance will be provided to banks in the form of bonds of the Federal loan of OFZ. That is, credit institutions will receive money and must immediately buy OFZ on them. Thus, the money is returned to the budget, and the bank may already take a loan on the security of OFZ in the Central Bank.

But in order to get an interbank loan, a credit institution must fulfill 12 conditions. Among them: freeze the salary for three years, do not pay dividends to shareholders, increase capital, monthly increase the loan portfolio in priority sectors of the economy, etc. Of the 27 systemically significant banks, only 12 submitted documents to the Central Bank of the Russian Federation.

Of the 12, only 6 banks passed the procedure for analyzing documents. And, as it became known, only three credit institutions in the near future can receive part from the promised trillion rubles. Is it possible to call all this to the support of the banking system? The result is obvious - the banks almost stopped issuing loans. The consequences were also not long in coming: in January-February, we observed a catastrophic decline in production in Russia.

Government policy in this direction will help the economy survive? What is Russia its own production? According to statistics, we produce one dress in women in a year, one pair of toe per capita per year. What emergency import substitution do we tell us? We, it turns out, do not create anything at all. In addition, we allow us to reduce production capacities. For many years, Russia was more and more tightened by the “loop of Kudrin”, and in fact, we ourselves blocked oxygen.

We successfully sold forests, oil, gas, metal to the West, receiving money for this and lending to the USA and European banks. At the same time, Russia managed to hold the optimal ruble to the dollar, until oil prices and gas collapsed down. But now all the masks are dropped. We really saw who is a friend in the West, who is the enemy. And as it turned out, Uncle Sam since the Cold War has not changed his attitude to our country.

Or they work adversely using their own accumulated funds. As a rule, large production companies operate. I do not think that their own savings will have enough for them for a long time. Speaking at the congress of the Association of Russian Banks, the head of the Central Bank Elvira Nabiullina said that small and medium -sized businesses are better led by regional banks.

But at the same time, nothing about these banks was said. But the deputy chairman of the Central Bank of the Russian Federation Vasily Pozdyshev began his performance with a well -known saying: “How much halva is not saying - it will not become sweeter in the mouth.” How much do not say the central bank - there will be no currency regulation and cheap money.

We have been fighting for 25 years with high lending rates.

And for 25 years we can’t do anything. Moreover, the whole world stimulates production with low credit rates. Look, at the economies of those countries that are customary to talk about as an economic miracle - Japan, Singapore, Korea.The growth took place only when the governments and central banks of these countries found the opportunity to bring cheap and fast money to the so -called growth points.

What are the prospects for the work of regional banks and in particular - EL Bank in the currently difficult conditions of the Academy of Sciences? However, she cannot work for herself. The banking system has its own goals and objectives. But with the implementation of one of them - lending to business - now serious problems have arisen. Moreover, at the level of the Minister of Finance and the head of the Central Bank, we are promised to reduce inflation, the growth of loan portfolios of banks, and the growth of profit of credit institutions.

But while the reality is harsh - banks are not able to lend to business. EL Bank loans more enterprises on which more than 35 thousand people work. These are really working enterprises. Their products are sold not only in Togliatti and the Samara region, but throughout Russia: chandeliers and lamps, clothes, food and semi -finished products. This is real import substitution.

And we have been doing this for a long time. Regional, or as they still say, local banks have always been loyal to small and medium -sized businesses, lending new projects, expanding production. And now we find options and ways to not stop this process, to make it continuous. This year you plan to support farms? There are about 2 billion in our loan portfolio.

But the problem of this year has not been removed - banks have no money to issue loans as before. In the year, the loan portfolio of all Samara banks did not grow, which means that not a single new project was damaged. Banks carry out free fall today. Even the Rosselkhozbank, which traditionally leads the issuance of loans to agricultural enterprises, is not able to credit even small farms today.

Rosselkhozbank shows tremendous losses. Even 50 billion rubles allocated to support do not help to cope with the situation. Today we are talking about a crisis, about the growth of inflation, but at the same time, mechanisms have not been found in the country that would make it possible to work at full capacity. We need to produce more and consume more to start the normal process of money exchange.

Colossal external pressure is the European Union and the USA for Russian business, for people. And instead of leveling this pressure and helping loans to business the Central Bank of the Russian Federation and the government still drives us into the framework, tightening the nuts tightly. Thus, they help the external enemy cope with Russian business, and put it on his knees.

Example - the farmer asks a loan for the purchase of elite rye seeds. He has a margin of seeds that he led himself. There will be no loan - the farmer will not buy good seeds, sow those that has. The result is obvious. Subsidies will go to pay off part of the interest rate on a bank loan. To get a subsidy, the head of the agricultural enterprise needs to come to the bank, get a loan, master it, pay interest on it, issue documents and go to the Ministry of Agriculture with them, and only then the subsidy will be provided.

But banks do not lend a business today! The circle closed. We say that it is necessary to develop small and medium -sized businesses, and small regional banks are small business. Moreover, regional banks are more efficiently capable of supporting entrepreneurship, crediting it. In addition, the Central Bank of the Russian Federation should gradually reduce the regulatory load on banks.

The Russian banking system takes first place in the world in overhead expenses. In this we are even overtaking Ukraine. If in the year for Russian credit organizations, the Central Bank published various regulatory documents, in the year - and in the year - more