The most important feature of almost all banking crises of recent decades has been a violation of the normal flow calculations, credit, crisis of confidence on the interbank and deposit the crisis. The most dangerous part of the banking crisis – the destruction of national and international payments, when it comes to cash flow in the real sector. In second place is worth the danger of sharp reduction in lending to the national economy. ” Certainly, the financial world to draw definite conclusions. It is very important that Russia’s banking system took into account all errors. Necessary to eliminate the universal banking activities, risky investments many of them, and then as a consequence of failure to meet their payment and credit functions, often undermines the credibility of the entire banking system of Russia.
Should go to the modern specialized three-tier scheme krizisoustoychivoy Banking (calculated LSB-banks, which operate with the payments, credit and deposit banks, not having calculated functions, investment banks operating in securities). In addition, it is important to credit and deposit activities of banks to build it so that it was limited to only those subjects of the federation, in which banks are located. The sad experience of the crisis has shown that inter-regional bank can at any time withdraw funds from the troubled regions to more prosperous regions, such as from the provinces to Moscow, which actually happened in the compounding during the crisis difficult financial situation in Russian regions. This is one reason that virtually all Russian enterprises were in the 2008-2009-th years of serious problems with credit. If you do not do all the above, if new crises with more serious consequences are inevitable. And last, in the financial world does not need to invent all the difficult financial situation has long been analyzed and considered the best minds of humanity. The trouble is, that the senior positions in financial institutions in different countries are coming or not sufficiently competent in complex financial matters, officers or, worse, the financiers over the infected greed (which gave rise the current crisis). The famous financier Peter Bernstein in his works actually predicted the current crisis, described in detail the dangerous changes in the investment world, the mismatch risk and volatility, but apparently has not been heard of the mighty.