Автор: Пыхтин С.В.
Теги: денежное обращение банковское дело биржи государство и право юридические науки финансы
ISBN: 978-5-9516-0153-3
Год: 2012
Текст
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1 CM.: Core Principles for Effective Banking Supervision. Basle Committee on Banking Super-
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2 AneKceeB C.C. 06l1U'1e ,lJ,03BOl1eHL-1H 101 o6UJ,1.1e 3anpeTbi B COBeTCKOM npaBe, - M.: IOpWJ,. JlIo1T"
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2 Rainer Kohls. Bankrecht. Muchen, 1994, S, 1. / LlIofT. no: OnefsHI1K O.M. YKa3 CO"!. C. 33,
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1 AneKceesG.G. 06 S'ITeopl-1s:1 npasa: B 2-XT. - M., 1982. T. 2. C. 310-312.
2 Kyp6aTOB A.R. COl.leTaHl-1e l.IaCTHblX 101 ny611I-1I.1HbIX Io1HTepeCOB npl-1 npaBOBOM perynl-1jX)BaHIo1Io1
np pIo1HIo1MaTel1bCKO J].es:lTel1bHOCTIo1. - M.: LJ,eHTp IOpIl1HcpoP, 2001. C. 30.
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111M., 1984. - C. 84-85.
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3 OneiltHuKO,M. YKa3. COY. C. 78.
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EC H nOCJIe rrpHHRTH.H IIepBOJ1.lJ.11peKTHBbI COBeTa 77/780 /EEC OT 12 ,LleKa-
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6aHKOBCKOO npaBO EBponeHCKom COlO3a: Y'ie6HOO noco6111e, - M.: CTaryr, 2000, C. 162.
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rneHHe, Y'llaCTHHRH KOTOpOro 06JIa;rxalOT onpe,[(e,,'1eHHbIMJ1 npaBaMH H 06R3aH-
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CTsa VI npasa: KypcneKLlVli1/ L-13JJ,aHVle 2-e, Vlcnp. VI Aon. - M.: MaHycKpVlnr. 1996. C. 201-214: 06U.(a
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IOpVlcTb. 1996, C. 179-193: T eopVl rOCYAapcTBa VI npasa: Kypc lleKLlI1H / nOA. peA. M. H. Map'leHKO, -
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2. Hcy.n:OB..TJeTBOpIlTe TIbHoe cpl1HaHCOBOe nOJlOmeHUe yqpeJ{.uTe..TJeii Kpe-
,lJ;lITHOH OpraHI13a:QJ1H HJIH HeBbillOJIHem1e HMJ-'1 CBOVIX 06R3aTeJIbCTB nepe,I:(
q)e,[(epaJIbHbIM OlO;I,meTOM, OlO,rpKeTaMH cy6DeKTOB et>e.n:epa:QVIH J1 MeCTHbI-
,..
MH OIO.n,JKeTa:vrH 3a nOCJIe)J.HHe TpJ1 ro,I:(a.
4-
0\ 1 Co6paHl4e3aKOHop,aTeJ1bCTsaPct>. 2001. N 26. Cr. 2586.
'Y'llpeWlTeJII1 06R3aHbI nO,rrrBep,lI,J'lTb CBoe YCTof:'I'llfIBOe cpvIHaHCOBoe no-
JIOmeHJ1e nYTeM npe,[(OCTaBJIeHHR CJIe):(ylOI.QHX ,[(OKYMeHTOB:
- ,[(JIR lOpvWl'lleCKI1X Jll1:Q - aY,[(HTOpCKHX 3aKJllOtIeIDri1:, a TaKme cnpa-
BOK, BbI,ZJ,aBaeMbIX opraHaMJ1 HaJIoroBOJ1 CJIymobI, H nO,[(TBepJK,[(alOll:tJ1X BbI-
nOJIHeHJ1e yKa3aHHbIMH JIHQaMH CBOHX 00R3aTeJIbCTB nepe)J; 6lO.n;meTaMH CO-
OTBeTCTByIDl.Qero ypOBHR;
- ,[(JIR cpH3H'lleCKHX JII1l'l - ,[(eKJIa pal.(J1i1 0 ,[(oxo ax, no,rrrBepJK,lJ;alOl.QvlX HC-
TOqfiHRH npOHcxom.n;emm cpe,[(CTB, BHOCI1MbIX B ycraBHbIM KanvITaJI oaHKa.
IIopH,[(oK H KpJ1 repJ1J1 OQeHKH cpJ1HaHCOBOro nOJIOmeHHH lOpJ1.n:H'lleCKJ1X
Jll1:Q - yqpe,[(l-ITeJIeI1 (yqacTIDIKOB) Kpe.ZJ:I'1THbIX opraHH3aWlfi YCTaHOBJIeHbI
IIoJIomeHHeM BaBKa POCCJ1J1 01' 19 MapTa 2003 r. NQ 218-II1. B tIaCTHOCTI1,
cpvIHaHcoBoe nOJIOmeHHe yKa3aHHbIX JIH:Q He MOmeT ObITb npH3HaHO y,[(OBJIe-
TBOpvITeJIbHbIM B CJIe.lZYlOl.QHX CJIY'llaRX:
- eCJIH B O1'HOrneHJ1H HvlX i'IMeKYrCR BcryIDIBrnHe B CvlJIY pernemm cy.n;eo-
HbIX opraHOB 0 npH3HaHHH HX HeCOCTOHTeJIbHbIMJ1 (oaHKpOTaMJ1);
- npJ1 HaJIJ1'llJ1H y HJ1X 3a OJImeHHOCTH nepe)J; cpeJ-(epaJIbHbIM 6lO meTOM,
OlO,[(meTaMJ1 cy6'beKTOB et>e,[(epaQIn1 H MeCTHbIMJ1 OIO,rpKeTal\JU1 (oe3 Y'lleTa
pernem1H ynOJIHOMO'lleHHoro opraHa 0 peCTpYKTypH3aqvlH J1X 3a,[(OJImeHHO-
CTH no 06R3aTeJThHbIM nJIaTe:>KaM B cpe,[(epaJThHbIJ1 OlO,[(meT, B 6lO,rpKeTbI
cyfueRTOB et>e,[(epa:QVUtI H MeCTHbIe 6lO,[(meTbI);
- npJ1 HaJIH'llVU1 KapTOTeKH HeOnJIa'lleHHblX paC'lleTHbIX .n;OKYMeHTOB K I1X
paCqeTHbIM CtIeTaM ,[(JIJ1Te TJbHOCTblO CBbillle 10 ,n,Hei1;
- eCJIH ,[(JIR O:QeHKH cpvIHaHcoBoro nOJIOmeHHH yKa3aHHbIx JIJ1:Q TpeoyeT-
CR npe,[(CTaBJIeHHe .n:aHHbIX 3a TPH nOCJIe,[(Hl-1X ro,[(a )J;eHTeJIbHOCTH H H3
npe,[(cTaBJIeHHof:'1 vrncpopMal.\HH MOJtCHO c,[(eJIaTb BbIBO,[( 06 OTCYTCTBJ1H Y m'lX
peaJIbHblX aKTI1BOB, BbIPY'llRH 01' npo,[(amvI TOsapOB, npo,[(YK:QHH, pa50T H
YCJIyr, a TaKme cBe,[(emu1 00 oCyI.QeCTBJIeHHH .n;eHTeJIbHOCTH, npe.nyCMOT-
peHHo i YCTaBOM, 3a TPH ro)J;a, npe)J;weCTBYlOll:tJ'IX ,[(aTe HanpaBJIem1R ,[(OKY-
MeHTOB B BaHK POCCHVI.
3, HCCOOTBCTCTBIIC ,lI,OK)or;\ICIITOB, no,n,aHHbIX.n.JlH rocY;I,apcTBemmH perHC-
Tpaqv01 Rpe,ro.-ITHoi-i OpraHH3al.(J1H H nOJIyqeHI.ffi Jll.1:QeH3v01, Tpe60BaHJ1RM qJe-
.n;epaJIbHbIX 3aKOHOB H npHHHMaeMbIX B COOTBeTCTBJ1H C HJ1MH HOpMaTJ1BHbIX
aKTOB BaBKa POCCl-ll1. 3ro OCHOBam1e J.lliTepeCHO TeM, 'llT0 BaHK POCC 'll1 CpaK-
n1'lleCKH BBown eMY aJIbTepHanmy B BH.n;e «OCHOBaffi'IH K B03BpaTy,[(oKp.'leH-
TOB», no,[(aHHbIX AJIH rocY)J;apcrBeHHOJ1 perHCTpa:QHH J1 nOJIY'llem'lR Jll.1:QeH3HH
no npJ1QvIHe «HaJlJ1QHR 3aMe'llaHHH no npe,n,cTaBJIeHHbIM ,n,OKYMeHTaM, O'l'cyr-
CTBJ1R nOJIHOrO KOMnJIeKTa .n:oKYMeHToB» (n. 6.7 l1ucmpymtuu JVQ 109-11),
a TalOKe «B CJIyt.Iae HeCOOTBeTCTBvIH npe,[(cTaBJIeHHbIX ,[(ORYMeHTOB ,[(ei1cTBY-
lOl.QeMY 3aKOHo.n:aTeJIbCTBY H HopManmHbIM aKTaM BaHKa POCCHW> (n. 5 lluc'b-
.,'I11L Bau'k."a Poccuu M 493). IIpe;I,CTaBJIHeTCR, 'llTO nOCKOJIbKY H OTKa3 B rocy-
.n;apcTBeHHoH perHCTpaQI1H J.WH BbI,ZJ,a'lle 6aHIwBcKOH JIH:QeH3J1H, H B03BpaT
.n;oKp.'leHTOB BJIeKyr O,n;HH 11 Te me noc.,'1e)J;CTBJ.m - Kpe,lI,J'lTHaR OpramI3aWIR He
1 8eCTH K OaHKa POCCI-u.1. 2003. N° 24.
0\
npvIOOpeTaeT CTaryc IOpH,D;WlecKoro Jll1:Qa J1 He n0JIY'llaeT npaoo 3aHHMaTbCR
6aHKOBCKOM ,[(emeJIbHOCTblO, a 3aK01-t 0 6a1-t1WX npe,[(YCMaTpvIBaeT JllUlib OC-
HOBaHJlm K OTKa3Y B pervlcTpa:QVUtI (BbI,n;atIe JIHI.J;eH3J1H) BO BCex nepe'llVICJIeH-
HbIX CJIYlIaRX ,[(OJImeH 6bITb HMeHHO MOTvIBHpOBaHHbn-i OTKa3, a He npocTO B03-
Bpal.Qem-le )J;OKYMCHTOB ,l(JUI BHeCeHJ1R B HvlX HCnpaBJIem-u':'l.
4. HCCOOTBCTCTBUC )J,c,,"IOBoii pCnyTaI 1I111 KaH,IJ,U aTOB Ha ,[(OJIJtCHOCTH
'llJIeHOB COBeTa ,[(HpeKTOpOB (Ha6J1lO,[(aTeJIbHOrO cOBeTa) KBaJIHcpHKaWIOH-
HbIM Tpe60Ba:HHHM, YCTaHOBJIeHHbIM cpe.n;epaJIbHbIMJ1 3aKOHaMJ1 J1 npHIDIMa-
eMbIMH B COOmeTCTBI1J1 C HJ1MJ1 HopMaTHBHbIMH aKTaMJ1 BaHKa POCCHH, Ha-
JIH'lll1e Y HHX CY,[(H:vroCTI-13a cOBeprneIDle npecTyn.rreHHH B cq)epe 3KOHOMHRH.
KaK BH,[(HO H3 npJ1Be.n.eHHoro nepetIHH, 60.TIbUU1HCTBO OCHOBaIUlU OTHO-
CHTCH K HCCOOTBCTCTBIIIO 'CTaHOB.TlCHHbI!\1 Tpc6o&'1HUHM Y'lpCAlITCJICi'1 KpC-
,IJ,IITHoii Opraml3aQlllJ TJn60 KaH,.'];lI)J,aTOB Ha COOTBCTCTB "IOll.{UC ;:J;O.TljKHOCTlL
Henocpe.n;cTBeHHo OCHOBaHlleM K OTKa3Y B BbI,n;a'lle 6aHKOBCKOJ1 JII1l'leH3HH
RBJIHeTCH JIJ1llIb HeCOOTBeTCTBHe no.n:aHHbIX ,[(oKYMeHToB Tpe60BaHvmM cpe-
,[(epaJIbHblX 3aKOHOB H npJ1HJ1MaeMbIx B COO1'BeTCTBJ1H C HJ1MJ1 HOpMaTJ1BHbIX
aKTOB BaHKa POCCJlO1: Bce OCTaJIbHbIe BJIeKyr HeB03MU>I\HOCTb rocY;I,apCTBeH-
Hoi-i perHcTpa:QVIH Kpe,[(I1THoM opraIDI3a:QJ1J1. II03TOI\1)' npe.n;cTaBJIReTCR co-
MHI1TeJThHbIM CMerneHl1e 3aKOHO,ZJ;aTe,,'1eM oCHOBaHIn1 K OTKa3Y B rocy,[(apcT-
BeHHoti perHcTpaQJ1H Kpe,[(vITHoi1 OpraIDI3a:QV01 H B BbI,n;atIe ei1 JIHQeH3J1J.L
KpoMe TOrD, HaJIH'llVle cpaKTI1'lleCKJ1 TOJIbKO O,ll.Horo, npJ13TOM BeCbMa oomero,
OCHOBaHHH K OTKa3Y B BbI,n;atIe 6aHKOBcKoi1 JIH:QeH3HH .HBHO He.n:OCTaTO'llHO. K
npJ1Mepy, no KaKHM OCHOBaHHHM CJIe)J;yeT OTKa3aTb Kpe,T].WfHof:'I opraHH3aw-IVI
B BbI,[(a t.le JIJ1l'leH3HH, eCJIH ee q)JlffiaHCOBoe COCTORHHe 6JIJ13KO R oaHKpOTCTBY?
HJIH eCTb HeHCnOJIHeHHoe npe)J.nHcaHHe BaHKa POCCHH 06 YCTpaHeHIn1 Hapy-
rneHIn1, BbIRBJIeHHbIX B xo,[(e npOBe.n:eHI1.H IoffiCneKQHOlffiof:'I npOBepKH Kpe-
,[(HTHOJ':'I opraIDI3a:QV01'? 3;I,eCb pel.J:b HY)KHO Becnl He 0 HeCOOTBeTCTBV01 .n:OKY-
MeHTOB, a 0 HeCOOTBeTCTBHH caMOJ1 Kpe)J.HTHoti opram13aQJ1H Jll1:QeH3HOHHbIM
Tpe60BaHI'1HM H yc.nOBHRM, npe)J.'bRBJIHeMbIM 6aHKOBCKHM 3aKOHo,[(aTeJIbCT-
BOM K COJ1CKaTeJIlO TOf:'1 H.i1H HHOH 6aHKOBCKOJ1 JIH:QeH3J1H.
Ha OCHOBaHv01 H3JIOmeHHoro npe,[(CTaBJIReTCR :QeJIeC006pa3HbIM ,[(onOJI-
HHTb n. 3 tI. 1 CT, 16 3aK01-/,Q. 0 6a1-tKQX CJIOBaMH «a TaKme HaJIH'llHe B HJ1X He-
,[(ocTOBepHOJ1 J1Jll1 HCKameHHOM vrncpopMa:QHH»; BBeCTH HOBoe OCHOBaIDle K
OTKa3Y B BbI,[(a'lle 6aHKOBCKOi1 ,,'IJ1QeH3HH «HeCOO1'BeTCTBHe Kpe)J;HTHoi;i opra-
HJ13a:QJ1H YCTaHOB..tieHHbIM cpe,[(cpaJIbHbD1H 3aKOHai\>IH H HopManffiHbIMH aK-
TaMH BaHKa POCClIJ1 Tpe60BaHHHM», R KO ropOMY Heo6xo.n;HMO O'l'HeCTH Heco-
,.. v.... ,.. v
OJIIo,[(eHJ1e Kpe,[(HTHoH opraHH3aQJ1eH YCTaHOBJIeHHbIX TpeooBaHHH K
qmHaHcoBoii YCTOi1'llHBOCTH; HeBbInO,,'IHeHHe 06H3aTeJIbHbIX pe3epBHbIx
Tpe60BaHV01; HaJll1'llHe 3a.n:OJImeHHOCTH nepe.n; cpe,[(epaJThHbIM 61O,WKeTOM,
6lO,[(meTOM COOTBeTcTByIOll:tero cy6'heKTa et>e.n:epaQvlH, MeCTHbIM 6lO)J.meToM
\0
0\
1 nOJJ,JJ,e1l0BOH penyraLlL'1eVi B,D,aHHOMCflYYae nOHI.1MaeTCfI oueHKa npo4JeCCl.10HaIlbHbiX 1.1 I.1HblX Ka-
'ieCTB 1l1.1ua. n03BOllfllOLl.I,I.1X eMY 3aHI.1MaTb COOTBeTCTBYIOUJ.YIO JJ,OmKHOCTb B opraHax ynpaBJ1eHI.1S! Kpe-
,D,I.1THOVI OpraHl.13aUI-1I-1.
vlJIH rocy,[(apCTBeHHbIMJ1 BHe6lO,[(meTHbIMH qJOH,lJ;ai\>m; OTCYTCTBJ1e CJ!Y)i\:6bI
BHYTpeHHero KOHTpOJIJi; Heco6.mO.n:eHHe TeXHHtIeCKHX Tpe6oBaHHH, YCTa-
HOBJIeHHbIX BaHKOM POCCHJ1 .D;JIR OC eCTBJIeHH.H 6aHKOBCKHX onepa:QVU1 H
npo1.l. IIpe,[(JIaraeMbIe H3MeHeIDIR nOJIHOCTblO KOppeCnOH,lI,J1pYIDT OCHOBaHH-
RM K OTKa3Y B Bbl,[{a'llC JIHQeH3In1, YCTaHOBJIeHHbIM 'll. 3 CT. 9 ct>e,[(epaJIbHoro
3aROHa «0 Jll1QeH3HpOBaHJ1H OT,[(eJThHbIX BJ1,[(OB ,[(eRTeJIbHOCTH», H, BepoHT-
HO, 6y.nyr cnoC06cTBOBaTh YHVlclJHKaQIn1.D;eHcTByrol.Qero 3aKOHo,[(aTeJIbCTBa.
OCHOBHblE BbIBO.Qbl
1. l)aHKOBCKlI1e J1I11L1,eH31110HHble npaBooTHOWeHII1s:1 npeACTaBJ1s:1lOT co-
60 pa3HOBII1AHOCTb 6aHKoBcKII1X npaBooTHOWeHII1 111 COOTHOCs:lTCs:I C no-
CJleAHII1MII1 KaK oc06eHHoe 111 06w,ee. l)aHKOBCKlI1e J1I11L1,eH31110HHble npaBo-
OTHOWeHII1s:1 eCTb yperyJ1l11pOBaHHble HOpMaMII1 6aHKoBcKoro npaBa
06w,eCTBeHHble OTHOWeHlI1s:1 J B03HII1KalOw,lI1e Me>KJJ.Y KpeAII1THO OpraHlI13a-
Ll,1I1 111 l)aHKoM POCCII1I11 no nOBoAY BbIAa lI1, npIl10CTaHOBJ1eHlI1s:1, aHHYJ1l11pO-
BaHlI1s:1l11 OT3blBa J1I11L1,eH3111111 Ha ocyw,eCTBJ1eHII1s:1 6aHKoBcKII1X onepaLl,II1 .
2. l)aHKOBCKlI1e J1I11L1,eH31110HHble npaBooTHOWeHII1s:1 06J1aAa1OT CJleAYIO-
W,II1MII1 OTJ1I11 II1TeJ1bHbIMII1 npll13HaKaMII1:
1) CKJ1aAbIBaIOTCs:I no nOBoAY BblAa 1I1 6aHKoBcKO J1I11L1,eH3111111, B npo-
Ll,eCce 6aHKoBcKO Aes:lTeJ1bHOCTII1- npll1 ocyw,eCTBJ1eHII1I11 HaA30pa 3a COOT-
BeTCTBlI1eM KpeAII1THblX OpraHlI13aLl,II1 J1I11L1,eH31110HHbIM Tpe60BaHII1s:1M 111 yc-
J10BlI1s:1M, a TaK e no nOBoAY npIl10CTaHOBJ1eHII1s:1 111 npeKpaw,eHII1s:1
(aHHYJ1l11pOBaHlI1e 111 OT3bIB) J1I11L1,eH3111111 Ha ocyw,eCTBJ1eHlI1e 6aHKoBcKO Ae-
s:lTeJ1bHOCTII1, TO AaeT OCHOBaHlI1e AJls:lll1X nOApa3AeJ1eHII1s:1 Ha eTblpe COOT-
BeTCTBYIOw,lI1e nOArpynnbl:
- 6aHKoBcKII1e J1I11L1,eH31110HHble npaBooTHOWeHII1s:1 no nOBoAY BblAa 1I1
(oTKa3a B BbIAa e) 6aHKoBcKO J1I11L1,eH3111111;
- 6aHKoBcKII1e J1I11L1,eH31110HHble npaBooTHOWeHII1s:1 no nOBoAY Hap,30pa
3a COOTBeTCTBlI1eM KpeAII1THblX OpraHlI13aLl,II1 J1I11L1,eH31110HHbIM Tpe60BaHII1-
s:lM 111 YCJlOBlI1s:1M;
- 6aHKoBcKII1e J1I11L1,eH31110HHble npaBooTHOWeHII1s:1 no nOBoAY npll1oCTa-
HOBJ1eHII1s:1 Ae CTBII1s:1 (B0306HOBJ1eHII1s:1 Ae CTBlI1s:1) 6aHKoBcKO J1I11L1,eH3111111;
- 6aHKoBcKII1e J1I11L1,eH31110HHble npaBooTHOWeHII1s:1 no nOBoAY aHHYJ1I11-
pOBaHlI1s:1l11 OT3blBa 6aHKoBcKO J1I11L1,eH3111111.
2) B TaKII1X npaBooTHOWeHlI1s:1X peaJ11113YIOTCs:I ny6J1I11 HO-npaBoBble
4>YHKLI,II1I11 l)aHKa POCCII1I11 (nn. 8 111 9 CT. 4 3aKoHa 0 5aHKe POCCI/TV') AJls:l AO-
CTII1)f{eHII1s:1 Ll,eJ1e , YKa3aHHbix B CT. 3 3aKoHa 0 5aHKe POCC1414. npll1 3TOM
l)aHK POCCII1I11 BnpaBe YCTaHaBJ1I11BaTb J1I11L1,eH31110HHble Tpe60BaHII1s:1 111 YCJlO-
BII1s:1 B npeAeJ1aX npeAOCTaBJ1eHHbIX eMY nOJ1HOMO II1 ;
3) B HII1X C He06xoAII1MOCTblO BaynaeT J1106as:l KpeAII1THas:l OpraHlI13aLl,II1s:1
B TOM CMbICJle, TO 6e3 nOJ1y eHII1s:1 6aHKOBCKO J1I11L1,eH3111111 HeB03MO)f{Ha
3aKOHHas:l 6aHKOBCKas:l Aes:lTeJ1bHOCTb. l'-
3. Ans:l nOJ1y eHII1s:1 6aHKoBcKO J1I11L1,eH3111111 nOMII1MO n0J10)f{II1TeJ1bHOrO 0\
peWeHII1S1 6aHKa POCCII1I11 0 rOCYAapCTBeHHOIl1 perll1CTpau,1I1111 KpeAII1THOIl1 Op-
raHlI13au,1I1111 111 nOp,nIl1CaHII1S1 CBII1AeTe11bCTBa 0 rOCYAapCTBeHHOIl1 perll1CTpa-
U,1I1111, He06xOAII1Mbi p,Be npep,nOCbl11KII1:
1) Ha11W..llI1e IOpll1Aw..lecKlI1x oCHOBaHlI1111 (4)0pMa11bHaS1 npeAnOCbl11Ka).
nOA IOpll1AII14eCKII1MII1 OCHOBaHII1S1MII1 K BblAa4e 6aHKoBcK0ll1 11111u,eH3111111 C11e-
p,yeT nOHII1MaTb cOBoKynHoCTb YC110BII1I11, npll1 Ha111114111111 KOTOpblX 6aHK Poc-
CII1I11 BnpaBe paCCMaTpll1BaTb Bonpoc 111 npll1HII1MaTb peWeHlI1e 0 BblAa4e
6aHKY TO 111 11111111 II1HOIl1 11111u,eH3111111.
2) C0611IOAeHlI1e YCTaHOB11eHHbIX Tpe60BaHII1111 (CY HoCTHaS1 npeAno-
Cbl11Ka). nOA Tpe60BaHII1S1MII1, npeAbS1B11S1eMbIMII1 AJ1S1 n011Y4eHII1S1 6aHKoB-
cKoC1 11111 u,e H 3111 111, CI1ep,yeT nOHII1MaTb cOBoKynHocTb YCI10B111 C1, KOTOpblM A011-
>KeH YAOB11eTBOpS1Tb 6aHK J xop,aTaIl1CTBYIOUJ.1I1111 0 BblAa4e eMY 11111u,eH3111111, 111
npll1 Ha111114111111 KOTOpblX 6aHK POCCII1I11 BnpaBe Bblp,aTb COOTBeTCTBYIOUJ.YI011I11-
u,eH31111O.
4. no CBOell1 npaBOBOIl1 npll1poAe YCTa HOB11eH lI1e Tpe60BaHII1C1 K yYaCTlI110
B CII1CTeMe CTpaXOBaHII1S1 BK11aAOB npeACTaB11S1eT c060C1 Hili 4TO II1Hoe, KaK
p,On011HII1Te11bHble 11111u,eH31110HHble Tpe60BaHII1S1 111 YCI10BII1S1, KOTOpblM A011-
>KeH YAOB11eTBOpS1Tb 6aHK, Y>Ke n011Y4I11BWII1C1 11111u,eH31111O Ha npll1B11e4eHlI1e
BO BK1laAbl cpep,CTB 4>11131114eCKII1X 11111U" AJ1S1 Toro, 4T06bl npOA011>KaTb 3aHII1-
MaTbCS1 TaKOIl1 p,eS1Te11bHOCTblO; B CI1yYae, eCI1111 6aHK 111M He COOTBeTCTByeT,
OH yrpa4111BaeT npaBO p,a11bHeC1wero npll1eMa AeHe>KHbIX cpeACTB 4>11131114ec-
KII1X 11111U, BO BK1lap,bl.
5. npOU,eAypa BblAa4111 6aHKoBcK0C1 11 111 u,e H 3111 111 Hepa3pblBHO CBS13aHa
C rOCYAapCTBeHHOC1 perIl1CTpau,lI1eC1 KpeAII1THOC1 OpraHlI13au,1I1111 B CII111Y TO-
ro, 4TO 6e3 n011Y4eHII1S1 11111u,eH3111111 6aHK He MO>KeT 3aHII1MaTbCS1 6aHKOB-
CKOIl1 AeS1Te11bHOCTblO, a B CBOIO 04epep,b 6aHKOBCKaS1 11111u,eH3111S1 MO>KeT
6blTb Bblp,aHa T011bKO HaA/1e>Ka II1M 06pa30M 11erIl1TII1MlI1pOBaHHOMY
cy6beKTY .
6. 6aHKOBCKII1M 3aKOHOAaTe11bCTBOM YCTaHOB11eH 6011ee npOA011>KII1-
Te11bHblC1 no cpaBHeHlI110 C ct>eAepa11bHbIM 3aKOHOM «0 11111u,eH3I11pOBaHII1I11
OTAe11bHbIX BII1AOB AeS1Te11bHOCTII1» CpOK paccMOTpeHII1S1 npep,CTaB11eHHbIX
AOKYMeHToB 111 npIl1HS1TII1S1 peWeHII1S1 0 BblAa4e 11111u,eH3111111, KOTOpblC1 CK11a-
AbIBaeTCS11113 CpOKOB OTAe11bHbIX 3TanOB 111 COCTaB11S1eT 8 MecS1u,eB - npll1 no-
11Y4eHII1I11 nepB/lTLfHOM fl/ITLleH314/IT1I1 6 MecS1u,eB - npll1 n011Y4eHII1I11 11 111 u,e H3 111 111
B nopS1p,Ke paCWlI1peHII1S1 Kpyra cOBepwaeMblx onepau,lI1l11.
7. nOpS1AOK n011Y4eHII1S1 6aHKoBcK0ll1 11 111 u,e H 3111 111 npeACTaB11S1eT c0601l1
n0CI1eAOBaTe11bHOCTb onpeAe11eHHblX 3TanOB, KOTopble MO>KHO 06beAII1-
HII1Tb B Tpll1 rpynnbl:
1) 06S13aTe11bHble KaK AJ1S1 n011Y4eHII1S1 nepB1I14H0C1 11 111 u,eH3111 111, TaK 111 11111-
u,eH3111111, pacwlI1pS1lO eC1 Kpyr cOBepwaeMblx onepau,1I1111 (noAa4a AOKYMeH-
TOB B Teppll1TOpll1a11bHOe Y4pe>Kp,eHlI1e 6aHKa POCCII1I11; paccMOTpeHlI1e npep,-
CTaB11eHHbIX AOKYMeHToB Teppll1TOpll1a11bHblM yYpe>KAeHlI1eM 6aHKa POCCII1I11;
OJ paccMOTpeHlI1e n011Y4eHHblx AOKYMeHToB 6aHKoM POCCII1I11; BblAa4a 6aHKoB-
0\ CKOIl1 11111u,eH31111(1);
2) :nanbl, He06xOAII1Mbie TOl1bKO B CJ1Y4ae, eCJ1111 KpeAII1THaSJ OpraHlI13a-
Ll,II1SJ n0l1Y4aeT 11111 Ll,eH3111 10 BnepBble 111 CBSBaHbl C Tpe60BaHII1eM 100% onl1a-
Tbl YCTaBHoro Kanll1Tal1a (YBeAOMl1eHlI1e Teppll1TOpll1al1bHblM Y4pe>KP,eHlI1eM
6aHKa POCCII1I11 Y4peAII1Tel1eCi 0 rocYAapCTBeHHoCi perll1CTpaLl,lI1111 KpeAII1THoCi
OpraHII13aLl,II1111 111 He06xOAII1MOCTII1 np0ll13BOACTBa 100% Onl1aTbl ee YCTaB-
Horo Kanll1Tal1a; nOATBep>KAeHlI1e Onl1aTbl YCTaBHoro KanIl1Tal1a).
3) :nan - 06>Ka110BaHlI1e KpeAII1THoCi OpraHII13aLl,II1eCi OTKa3a B BblAa4e
6aHKoBcKoCi 11 111 Ll,eH3111 111.
8. npll1 pa3111l14HbiX cpopMax peOpraHII13aLl,II1111 6aHKa KaK IOpll1AII14eCKOro
11ll1L1,a 6aHKOBCKas:ll1ll1L1,eH3111SJ coxpaHSJeT AeCiCTBlI1e TOl1bKO B ABYX CJ1Y4aSJx:
- npll1 npll1COeAII1HeHlI1111 - 111l1L1,eH3111s:1 npIl1COeAII1Hs:lIO erO 6aHKa, eCJ1111
npll1coeAII1HSJeMblCi 6aHK II1Mel1 npaBo Ocy eCTBl1SJTb TO >Ke 11111111 MeHbWee
K0l1ll14eCTBO 6aHKOBCKII1X onepaLl,II1Ci;
- npll1 BbJAel1eH1I1111 -11Il1L1,eH3I11SJ OCHOBHOrO 6aHKa (6aHKa, 1113 KOTOpOrO
npOIl1CXOAII1T BbIAel1eHlI1e).
9. OCHOBaHII1SJ K oTKa3Y B BblAa4e 6aHKoBcKoCi 11ll1L1,eH3111111 MO>KHO onpe-
Ael1ll1Tb KaK cpaKTII14eCKII1e 06CToSJTel1bCTBa, 3aKpenl1eHHbie B 3aKOHe 0
6aHKax, C KOTOpblMII1 nOCJ1eAHII1Ci CBs:l3bIBaeT HeB03MO>KHOCTb BblAa4111 co-
oTBeTCTBYIO eCi 111l1L1,eH3111111.
10. Oc06eHHoCTb oCHoBaHII1Ci K oTKa3Y B BblAa4e npll1MeHII1Tel1bHO K 6aH-
KOBcKoCi 11111 Ll,eH 3111 111 COCTOIl1T B TOM, 4TO 3aKOH 0 6aHKaXHe pa3Ael1SJeT OCHO-
BaHII1s:1 K OTKa3Y B rOCYAapCTBeHHoCi perll1CTpaLl,lI1111 KpeAII1THoCi OpraHlI13a-
Ll,1I1111 111 OCHOBaHII1s:1 K OTKa3Y B BblAa4e 6aHKoBcKoCi 111l1L1,eH3111111, a COAep>KII1T
eAII1HblCi nepe4eHb 06CTOSJTel1bCTB, no KOTOpblM p,onYCKaeTCSJ OTKa3 B rocy-
p,apCTBeHHoCi perll1CTpaLl,II11116aHKa 111 Bblp,a4e 6aHKoBcKoCi 11 111 Ll,e H 3111 111. OCHO-
BaHlI1eM K OTKa3Y B BblAa4e 6aHKoBcKoCi 11ll1L1,eH3111111 SJBl1SJeTCs:ll1Il1Wb HeCOOT-
BeTCTBlI1e nop,aHHblX p,OKYMeHTOB Tpe60BaHII1SJM cpep,epal1bHblX 3aKOHOB 111
npll1HII1MaeMblX B COOTBeTCTBlI1111 C Hili Mill HOpMaTII1BHblX aKTOB 6aHKa POCCII1I11;
Bce OCTal1bHble Bl1eKyr HeB03MO>KHOCTb rocyp,apCTBeHHoCi perll1CTpaLl,lI1111
Kpep,II1THOCi OpraHlI13aLl,II1I11.
LlaCTb III
np OCTAHOB EH E,AHHY POBAH E
OT3blB 5AHKOBCK0t1 Jl UEH3
r naBa 1
nPABOBAH npl1POAA npI1OCTAHOBI1EHI1H,
AHHYI1I1POBAHI1H 11 OT3bIBA
6AHKOBCKO I1I1 H31111
nOJ"1HOI\WtIIIH EaHlm Poccuu no npIIOCTaHOBJIeHIIIO, aHHym-lpoBaHl1l0 II
OT3bIBY 6allKoBcKUX mu ell3nil. BbIHCHeHJ1e npaBoBof:'1 npJ1po)J.bI npHocTa-
HOBJIem1R, aHHYJIHpOBam1R H OT3bma ....U1l'leH3HH Ha OC eCTBJIeHHe 6aBKOB-
cKoi1.n;emeJIbHOCTJ1 J1MeeT BaJtCHoe He TOJIbKO TeOpeTH'lleCKOe, HO npaKTJ1'lle-
CRoe 3HatIeHHe, nOCKOJIbKY 01' TOro vmH Imoro BapvtaHTa perneHJ1R 3TOro
Bonpoca 3aBJ1CRT npOQeccyaJIbHbIe oc06eHHOCTH npHMeHeHHH Ha3BaHHbIX
Mep EaHKOM POCCvD1, a TaIOKe B03MOJKHOCTb H nopMOK vlX 06maJIOBaHvm.
KaK 6bIJIO OTMe'lleHO B r.n. 1 q, I HaCTORl.Qei-i pa6arbI, JIH:QeH3J1pOBaHHe
6aHKoBcKOH ,[(eRTeJIbHOCTH .HBJIReTCR O,ll.HOi1 H3 COCTaBJIRlOl.QHX 6aHKoBcKoro
Ha,[(30pa H B 3TOM Ka1-1eCTBe npOHBJIReT ce6R nOCJIe BbI)J;atIH oaHKoBcK0J1 JIH-
QeH3Hl1 KaK Ha,n30p Emilia POCCHH 3a J1CnOJIHeIDleM Kpe,lJ;J1TIIOf:'1 opraIDl3a-
.... ,.. u ,..
QHeH TpeooBamm, npe,[('bRBJIReMbIX oaHKOBCKHM 3aKOHo.n:aTeJIbCTBOM K
npoQeccy oCyI.QeCTBJIeHHR 6aHKOBcKoii .n;emeJIbHOCTH, a TaKme K cy6'beK-
TaM, 3am1MalOIIU-IMCR TaKof:'1 ,[(emeJIbHOCThlO. J1Memm n03TOMY nOJIHOMO'llJ1R
BaHKa POCCvIVI no npHOCTaHOBJIeHJ1IO, aHHYJIHpoBaHJ11O J1 OT3bIBY 6aHKOB-
CRHX JII1l'leH3Hf:'I CJIe,[(yeT paCC mTpJ.1BaTb B PRAY Ha,[(30pHbIX nOJIHo:vrO'llHf:'I
BaHKa POCC -1l1.
CKa3aHHOe HallIJIO O1'pamem1e B npaBOBOJ1 n03H:QVIH KoHCTHTYl'lHOHHOro
Cy,[(a Pet>, KOTOpbrn, B QaCTHOCTI1, paCCMaTpvffiaR KOHCTHTY:QHOHHOCTb nOJI-
HOMO'llHt'[ EaHKa POCCI1H no BHecy,[(e6HO)1Y nOpR,[(Ky OT3bIBa 6aHKOBCKOM JIH-
QeH311H, nO,[(TBep)J.J.1JI Ha3BaHHbIe nOJIHOM01.IHR BaBKa POCCIn1 YKa3aB, tIro
pemCTpal:tJ.1R, .nHQeH3HpoBaHHe Kpe,nJ-n'HbIX opraHH3aQJ1H, a raIOKe OT3blB y
HHX Jll1QeH3vD1 Ha oCYl.QeCTBJIeHHe 6aHKoBcRHX onepaQI1M, no CYl.QeCTBY, RB-
JIRlQTCH 3aKoHo.n;aTeJIbHoi1 peaJIH3aQHei1 KOHCTI-'lTYWIOHHOM q)YHKl.(J1J1 BaH-
Ka POCCvlVI, KOTOpbrn oCyI.QeCTBJIHeT oaHKoBcKoe peryJIHpOBaIDle, Ha,[(30p H
KOHTpOJIb nocpe,ncTBOM npHHHTHR HOpMaTI1BHbIX H HH,lJ;vffiJ1.nyaJIbHbIX aKTOB
Ha OCHOBe onepaTHBHof:'1 vmq)OpMaQHH KaK 0 COCTORmm 3KOHOMHKJ1 B QeJIOM,
TaK J1 B 06,TIaCTJ1.n;eHemHo-KpeW-ITHOJ1 nOJIHTHRJ1. IIpaBo Ha OT3bIB ..1t-1I:teH3HH
RBJIHeTCR O.n:HJ1M H3 3aKpenJIeHHbIX 3aK01io.M 0 BanKe Poccuu nOJIHOMO'llJ1f:'1
II:eHTpaJIbHoro 6aHKa PoccHi1cKOJ1 et>e,[(epaQIn1, tIepe3 KOTOpoe peaJIJ13YeT-
CR ero Ha,[(30pHaH ,[(eRTeJIbHOCTb H ,[(OCTvrralOTCH :QeJIH, YCTaHOBJIeHHbIe CT. 3
o Ha3BaHHoro 3aROHa B COOTBeTCTBHH co CT. 75 (tI. 2) KOHcnrrywD1 Pet>.
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B CJ1JIY J13JIOmeHHof:'1 npaBOBOi;j: n03J1WIJ1 OT3bffi JIVI!:teH3J1J1 BaHKOM
POCCvIH Y Kpe,[(HTHOH OpraHJ13aQvIH He 3a TparJ1BaeT YCTaHOBJIeHHOe CT. 34
(tI. 1) KOHCTJ1Ty:QJ1J1 Pet> npaBo Ka oro Ha cB060,I:(HOe J1CnOJIb30BaHJ1e
CBOJ1X cnoc06HocTeJ.i H HMYl.QeCTBa ,I:(JIR npe,I:(npHHJ1Ma TeJIbCKoti J1 J1HOJ.i He
3anpell:tCHHoi1 3aKOHOM 3KOHOMJ1'lleCKoi1 ,n;eRTeJIbHOCTJ1, a HBJIReTCR cpe,n;-
CTBOM roCY,I:(apCTBeHHOJ.i 3aI.QHTbI npaB J1 CB060,I:(, rapaHTVlpyeMoti CT. 45
('ll. 1) KOHCTJ1TYQJ1J1 Pet> 1.
B COOTBeTCTBVIH CO CT. 56 3U1W1ia 0 Ea1i1ce Poccuu, UeHTpaJIbHbll1 6alIK
PoccVIikKOi1 <Pe,[(epaW1J1 HBJIReTCR opraHoM 6aHKoBcKoro Ha,n;30pa: BaHK
POCCvIH oCYll:teCTBJIReT rrOCTORHHbll1 Ha.n;30p 3a C06JIlO,I:(eHJ1eM Kpe,lI,J'ITHbIMVI
Opram13aQHRMH J1 6aHRoBcKHMH rpynnaMH 6aHKoBcKoro 3aKOHo,n;aTeJIbCTBa,
HopMaTHBHbIX aKTOB EaHKa POCCIDl, YCTaHOBJIeHHbIX HM oOH3aTeJIbHbIX
HOpMaTJ1BoB.
C nOMOl.QbIO Ha,I:(30pa EalIK POCCJ1J1 ,n;OCTVlraeT onpe,n;eJIeHHbIX QeJIeJ.i VI
pernaeT pR,I:( 3a,[(atI, KOTopble Me y c060J.i TeCHO CBR3aHbL IIo.n. QeJIblQ 6aH-
KOBCKoro Ha.n;30pa cJIe,T].yeT nOHHMaTb TOT pe3YJIbTaT, Ha ,T].OCTHmeHHe KOTO-
poro HanpaBJ1eHa ,T].eHTeJIbHOCTb BaHKa POCCvIH B npo:Qecce OC eCTBJIem1fl
Ha,[(30pa. B COOTBeTCTBHJ1 C tI. 2 CT. 56 3mw1-w 0 bmi'Ke Poccuu rJIaBHbIMH Qe-
JIRMVI 6aHKOBCKoro Ha,I:(30pa flBJI.HlOTCH nOMep:iKam'le Crn6VIJIbHOCTVI 6aH-
KOBCKoti CVlCTeMbI PoccHikKOti <Pe,I:(epawm J1 3al.QvITa J1HTepeCOB BKJIa,l(llVl-
KOB J1 Kpe,lI,J1TopoB.
3a,T].atIH 6aHKoBcKoro Ha,[(30pa no cpaBHeHHlO C QeJIRMv{ 60JIee KOHKpeT-
HbI H HX perneHVle 06eCne'llHBaeT ,n;ocrnmeHHe QeJIeJ1 Ha.n;30pa. Ha3BaHHblE'
3a,n;at.1VI Moryr ObITb pa3,I:(eJIeHbI Ha ,I:(Be rpynTIbI: oO le H cneQHaJIbHble. 06-
ll:tVh'J:VI 3a,I:(atIaMVl6aHKoBcKoro Ha,[(30pa RBJ1HIOTCH:
- 06ecne'llem'le HCnOJIHeHVm Kpe,[(VITHbIMVI OpraHVl3O.IJ;HRMJ1 H 6aHKoBcKVI-
IVIH rpynnaMJ1 Tpe60Bamul cpe,I:(epa.."IbHbIX 3aKOHOB, perYJIJ1pYIO IX 6aHKoB-
cKYIO ,I:(eRTeJIbHOCTb, VI HopMaTHBHbIX aKTOB EaHKa POCCHJ'I;
- 06eCnetIeHVIe BbmO "'IHeHHfl 06fl3aTe '1bHbIX 3KOHOMH'lleCKVlX HopMan'l-
BOB J1 pe3epBHbIX TpeOOBaHJ1f:'I, a TaKme npOBepKa npaBVlJIbHOCTVI Be.n.eHJ1fl VI
,[(OCTOBepHOCTJ1 6yxraJITepcKoti OTtIeTHOCrn Kpe,lI,J1THbIX opram'13aQvrii VI
6aHKOBCKHX rpynn.
I{ cneQHaJIbHbIM 3a,n;atIaM MO)KHO OTHecrn npoBepKY nopfl.ll.Ka COBeprne-
HVIH 6alIKOBCKHX onepa!:tHti; npoBepKY ,I:(OroBOpHOJ1 ,I:(HC!:tvm..TJJ1HbI; npOBepKY
3aKOHHOCTVI npHm.lMaeMbIX pernem'li1 opraHaMH ynpaBJIem,m Kpe,ru'ITHbIX op-
raHH3aU;HM H 6aHKOBCI\HX rpynn; aHaJIH3 nOJIVITHKJ.'I yrrpaBJIeHHH pHCKaMH,
,., ,..... v
OaJIaHca J1 oyxraJITepCKOH OT'lleTHOCTVI; BbIHBJIeHVle npVl'llvffi VI YCJIOBIDI co-
sepmeHVm npaBoHapymeHvD1 CO CTOpoHbI Kpe,[(HTHbIX opram'13aWll1 H 6aH-
KOBCKJ1X rpynn; npOBepKY BbillOJIHeHvm npe,n;m1cam1J.i BaHKa POCCHJ1 J1 npOt!.
1 CM. Onpe.o.e/leHlI1e KOHCTII1TYUHOHHOro CyAa P$ OT 14 AeKa6p 2000 r. N'1268-0 «no 3anpocy
8epxoBiioro CyAa POCCL1HCKOC, <Pe..o.epaLlL1L1 0 nposepKe KOlicn1l)'l1.L101iIiOCTL14aCTII1 Tpen.eC, cTa"fblo175
<PeAepallbHoro 3aKOHa ,,0 LJ.eHTpaJlbHOM6aHKe POCCMHCKOM <Pe..o.epaUHII1 (6aHKe POCCII1I11)"" II BecTHHK
KOliCn1l)'l1.HOHHOro CyAa P$, 2001. N'12.
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C IOpH,[(v1'lleCKoti TO'llKH 3peHvm, 6aHKOBCKvD1 Ha,n;30p eCTh Ha,[(30p 3a HC-
nOJIHeHHeM HOpM 6aHKOBCRoro 3aKOHo,[(aTeJIbCTBa. IIpe,[(MeTOM 6aHKoBCKoro
Ha,[(30pa RBJIHeTCH J1cnOJIHem-Ie Kpe,lI,J1THbIMJ1 opram-I3aQH.HMJ1 J16aHKOBCKJ1-
MH rpynnaMJ1 Tpe60BaHHti qJe,n;epaJIbHbIX 3aKOHOB, perYJIJ1pYID IX 6aHKOB-
CKyiO ,[(CHTeJIbHOCTb, J1 HOpMaTJ1BHbIX aKTOB EaHKa POCCJ1J1 (00ll:tJ-n1 Ha,[(30p),
a TaKme YCTaHOBJIeHHbIX 06H3aTeJIbHbIX HOpMaTI1BOB J1 Tpe60BaHJ1D1., HeBbI-
nOJIHeHHe KOTOpbIX MomeT OTpJ1QaTeJIbHO nOBJIJ1RTb Ha cpvrnaHCOBoe nOJIO-
mem'le Kpe,n;HTHbIX opraID13aWIH J1 6aHKOBCKJ1X rpyrrn J1JIH Ha B03:\10JtCHOCTb
peaJIbHOJ1 OQeHKVI HX cpHHaHCOBOJ1 ,[(eRTeJIbHOCTH, BK.,'IIO'llaH Tpe60BaHHH no
Be,[(eHVllO 6yxraJITepcKoro Y'lleTa H npe,[(CTaBJIem'110 OTtIeTHOCTJ1 (npy,[(eHQH-
aJIbHbIJ1 Ha,[(30p).
IIOJIHOMO'llVm EaIIKa POCCHVI B npoQecce OC eCTBJIeHvm Ha,[(30pHbIX Me-
pOnpHRTHJ1 YCTaHOBJIeHbI 3a1C01i0..4t 0 ba1i'Ke POCCUU H u;eJIbIM PMOM no.n;3a-
KOHHbIX HopMaTHBHbIX npaBOBbIX aRTOB. IIpVlMeHJlITeJIbHO K paCCMaTpHBae-
MOti Te:\1e Hac npe e Bcero J1HTepecyIOT nOJIHOMOtIHR BaBKa POCCJ1J1 no
npHOCTaHOBJIeHHlO ,n;eHcTBHR, aHHYJIHpoBaHHIO H OT3bIBY 6aHKoBcKOH JIJ.'I-
QeH3J1D1, tITO BbI3bmaeT He06xo,lI,J1MOCTb oOJIee nO,[(p06Ho OCTaHOBJ1TbCR Ha
YKa3aHHbIX Bonpocax.
npnOCTaHOBJICHlIC ]l;CilcTBUH 6aHKOBCKOU JlllqCH31f1L IIOJIHOMO'llVle EaH-
Ka POCCHJ1 Ha npHOCTaHOBJIeHJ1e ,[(eJ1CTBvm 6aHKOBCKOJ.1 Jll1u;eH3J1D1 nO.HBH-
JIOCb B HIOJIe 2002 r. C npJ1HHTVleM 3mw1ia 0 Bamre Poccuu. YIffi3clHHoe nOJI-
HOMQ'4J1e 3aKpenJIeHO B CT. 4 H 59 3TOro 3aKOHa. O,[(HaKo cneQHaJIbHbIX
OCHOBaHHH ,D;JIH npHOCTaHOBJIeHHH ,'J.eHcTBVlH JIHu;eH3HH HVI 3a1W1i, 0 Bau'Ke
Poccuu, HH 3a1W1i 0 6a1i1CQX He co.n:epmHT. PaBHO KaK B CT. 74 3a1C01w 0 Ba1i-
K.e Poccuu npVloCTaHOBJIem'1e JIHQeH3J1V1 He 3HatIViTCH B tIVlCJIe Mep npvIHY,lI,J1-
TeJIbHoro B03,[(eikTBvm (Mep OTBeTCTBeHHOCTJ1)1, npJ1MeHReMbIX K Kpe,ru-IT-
HbL'1 opraHVl3aU;VlHM EaHKOM POCCHVI 3a HapyrneHHR I-L'1V1 6aHKoBcKOro
3aKOHo,[(aTe,,"!bCTBa. He YCTaHOBJIeH J1 MaKCH1VTaJIbHbIJ1 CpOK npHoCTaHOBJIe-
HHR 6aHKoBcKOH ..t1HQeH3HVI, a TaKme He per..1aMeHTvlpOBaHa npoQe.n:ypa ero
BBe,[(eHH.H. IIOJIy'llaeTCH, tITO nOJIHOMO"4He 3aKpenJIeHO, HO HeT OCHOBaHHJ.1 VI
MexaHVl3Ma ero npJ1MeHemm, a TaKme He RCHa ero npaBOBaH npJ1po,[(a,
IIo HameMY MHeHHlO, npJ10CTaHOBJIeHHe ,[(eJ.kTBHH 6aHKoBcKOj:.j: JIHQeH-
3J1H eCTb :vrepa npJ1HY.n;HTeJIbHoro B03.n;eJ.1cTBJ1R (Mepa oTBeTCTBeHHOCTJ1) J1 B
3TOM Ka'lleCTBe OHcl ,[(OJImHa 6bITb yKa3aHa B CT. 74 3mwua 0 Ba1i1Ce Poccuu.
IIo cBoeti CyrVl OHa npe,[(CTaBJIHeT c060H HJ1 'llT0 J.'lHoe, KaK BpeMeHHoe orpa-
HJ.PleHHe npaBocnoco6HoCTH Kpe,D;H mof:'1 opr clHH3aQI-IH, KOTOpoe BbIpamaeT-
CH B 3anpeTe Ha onpe,n;eJIeHHoe BpeMH oC eCTBJIHTb BCC 6aHKOBCKJ1e one-
paQHH, ROTopbIe YKa3aHbI B BbI,D;aHHo i Kpe,lI,J1THoi1 opram-13aU;HVI JIHu;eH3HI1.
K npJ1Mepy, npJ10CTaHOBJIeHHe JUll:teH3J1V1 Ha npJ1BJIe'lleHHe BO BKJIa,[(bI,n;e-
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1 3AeCb HAM€€ MepbI npHHYAI'1TellbHoro B03Aei.fcTBL1 , npIl1MeH eMbl€ 6aHKOM POCCL1H K KpeAl'1T-
HbiM opraHL13aLlL1 M, H Mepbl OTBeTCTBeHHOCn1 paCCMaTpHeaIOT KaK CL1HOHII1MbI B u€n x AOCTH)K€HII1
eAl'1Hoo6pa3L1 B TepMHH0J10rHII1: OAHII1I11 T€ >Ke M€Pbl B CT. 7 43aKoHa ObaHKe Poccuu Ha3BaHbl MepaMH
OTB€TCTB€HHOCn1, a B MHCTPYKLj,UU lIP 59 - MepaMII1 npHHYAI'1TeJ1bHoro B03Aei.fcTBH ,
HeJtCHbIX Cpe,[(CTB cpJ13J1'lleCKJ1X JIHQ B py6JIRX BJIe'lleT BpeMeHHyID IOpv1,[(v1'lle-
CKyID HeB03MOJtCHOCTb .ZJ:JI.H Kpe.n.HTHoi:i: opraHH3aQJUI He TOJIbKO npvlBJIeKaTb
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1 eM.: BeHrepoB A.S. TeopH roCYAapcTBa 1-1 npaBa: '1aCTb II. Teopl-1 npaaa. - M.: IOpHCTb, 1996.
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