Why do banks close? Why does "Svyaznoy Bank" close branches?

Why do banks close in our country? Surely this issue is worried about a huge number of citizens. Today, Russians keep about fifteen trillion rubles in credit institutions. Not much time has passed since the Central Bank started active cleaning of financial structures, which is still going on. With frightening systematics, the supervisory authority deprives the financial institutions of licenses. Naturally, against the background of this our compatriots were worried: why do banks close? Anyway, but the deprivation of the license of any credit institution is the prerogative of the Central Bank. What was the reason for the fact that he initiated a mass check in his ranks? Why do banks close in Russia? Let's consider these issues in more detail.

Causes

It should be noted that there are several reasons for explaining the central bank cleaning.

Among them, an unjustifiably risky policy in the sphere oflending, providing false accounts, conducting doubtful transactions, participating in schemes for the legalization of incomes, acquired by criminal means. That is why banks close supervisory bodies.

In addition, we should not forget that this is facilitated by the consolidation of the banking sector, the growth of competition, as well as the tightening of legislative norms in relation to capital.

Expert opinion

Most financial analysts share the pointview that the process of "cleaning up" of banking structures is still far from the final stage. It is unlikely that credit organizations will be able to avoid publicity in the event of a license revocation. Anyway, but financial savings and transfers to the salary card is the only airbag for the population, which helps to survive the crisis phenomena in the banking sector of the economy.

In any case, Russians have limited choice, and theysooner or later it will be necessary to again trust the banking structures. To a greater extent, this applies to commercial companies that make financial transactions by bank transfer. However, even ordinary citizens, given the fact that they are concerned about the question: "Why are banks closed in Russia?" - they will hardly want to keep their savings under the pillow. They can be advised only to carefully choose the financial structure.

Just five years ago, the supervisory authority was more loyal to the professional activities of credit institutions. So why do banks close now and now?

Today's toughening of measures is directed first of all to gain the lost trust of citizens.

How to verify a license

Make sure that the bank has not been deprived of the license, it is possible on the official Internet portal of the Central Bank.

You just need to set the name of the bank in the searchresource string - and the system will inform you of the information you are interested in. On a mandatory basis, find out whether your bank is part of the deposit insurance system. With a positive response to it, in the situation of the occurrence of the insured event, the state will compensate you to 1.4 million rubles.

The number of revoked licenses is growing

The process of "cleaning" the banking sector entered intothe initial phase at the time when the chair of the Russian Central Bank was taken by Elvira Nabiulina. Only by results of the year before last, licenses were revoked from 32 financial structures. The reason for this was numerous violations of the legal framework. Banking institutions such as Investbank, Rublevsky Bank, Pushkino Bank, Master Bank, and the Bank for Project Finance stopped banking activities.

Risk Area

That there was no excitement, the management of the Central Bankforbade its employees to report on banking structures in the risk zone. In spite of this, "black lists" of financial structures appear systematically in open access. However, officials recommend not to trust this information, stressing that the banking supervisory authority does not intend to give any forecasts on this matter.

What to do if the bank is revoked

If, for one reason or another, the credit organization has lost its license, the clients are guaranteed full or partial compensation of their deposits.

As already noted, this is a sum of up to 1,400000 rubles. If the bank is included in the list of institutions in which the deposit insurance system is provided, the ABC staff will inform the client, within two weeks after the publication of the license revocation information, exactly where he will be able to receive his money. If the deposit amount is much more than the established limit, then one part can be obtained almost immediately, and the other part - in the process of legal termination of the bank's activity. In order to quickly pick up their "blood", experts recommend saving savings at once in several credit organizations.

The situation with Svyaznoy Bank

Several months ago, the media appearedinformation that the branches of Svyaznoy Bank will cease to function. This was also reported on the Internet resource of the financial institution. The head of the board, Evgeny Davydovich, commented on why Svyaznoy Bank is closing branches.

He said that in a difficult economic situationToday, all financial institutions are making maximum efforts to reduce their expenses. "Connected" is not an exception. It was decided to reduce the number of branches, after which the money that was spent on renting office space, advertising, and salary of employees would be freed up. Clients of the organization will be able to use all options through the system of "Internet-banking" and "Mobile Bank".

Branches of Svyaznoy will cease to render services as soon as the whole complex of measures aimed at their liquidation is implemented.

Russian banks lose confidence

Many people ask: "Why do citizens of our country close their accounts in banks?" This trend has recently intensified. Naturally, the main reason is that Russians are afraid for the safety of their own savings in domestic banking structures. According to statistics, about 60 billion dollars are in glass jars or glued with silicone glue behind the wallpaper. In the conditions of the economic crisis, according to Russians, the risk of losing their savings increases several times.