SEARCH
 

Search

 

Результаты поиска 1 - 2 из 2
Начало | Пред. | 1 | След. | Конец


Comparative analysis of changes of normative documents regulating bank activity

Gorodilov M.A. Doctor of Economic Science, Professor, the Department of Accounting, Audit and Economic Analysis, the Perm State National Research University ( gorodilov59@yandex.ru )

Beklemyshev N.A. Graduate Student, the Department of Accounting, Audit and Economic Analysis, the Perm State National Research University ( zx059@inbox.ru )

Journal: Financial Analytics: Science and Experience, #26, 2013

In the article the review and the comparative analysis of changes of the normative documents regulating bank activity in the Russian Federation is carried out. A number of the problems arising before banks with coming into effect of a number of essential changes in the banking legislation, coming into force in 2013 are disclosed.
     By results of the carried-out review the main differences of new provisions and instructions from become invalid are allocated.


Economic nature change of mortgaging collateral by bank

Gorodilov M.A. Perm State National Research University, Perm, Russian Federation ( gorodilov59@yandex.ru )

Nikitina E.B. Perm State National Research University, Perm, Russian Federation ( enika11@yandex.ru )

Journal: Financial Analytics: Science and Experience, #10, 2017

Importance The subject of the article is the changes of collateral nature in certain situations. For instance, when banks take in pledge real estate with the probable inability of borrowers to repay the current loan payments.
Objectives The article aims to find out whether the change of the economic nature of the pledge increases risks to the borrower.
Methods In this study, we used economic and financial inspection of mortgage lending bank conditions.
Results The paper reveals that in terms of insufficient paying capacity of the borrower credit repayments are carried out irregularly. In this case, the payments towards a loan are made by getting non-interest income in the form of excess of the selling price of the pledge object. That is contrary to the economic nature of the credit.
Conclusions and Relevance The non-implementation of lending regulations with banks can lead to a change in the economic nature of collateral. Judicial organs usually take credit organizations' side. This problem may worsen amid economic crisis and take social form. Therefore, judicial and appropriate inspection bodies should examine the compliance with credit principles more closely.


Результаты поиска 1 - 2 из 2
Начало | Пред. | 1 | След. | Конец


Отсортировано по релевантности | Сортировать по дате