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Кредитная политика коммерческого банка и выработка направлений ее совершенствования

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С????е

Вв???

I Т?????? ??? ????й ????

1.1 П?я?е и ???? ???а

1.2 Ро? и ???? ????й ???? ??????о ??а

1.3 О??а ????й ?я????и ?????? ??? в РК

II. А??з ?????о ??оя?я АО «БТА» ? 2005-2006-2007г.г

2.1 О?ая ??????? ?я????и АО «БТА»

2.2 А??з ???а ??а

2.3 С?????? ??? ????? ?????й ??а

2.4 А??з ?????и ??а

III. П????? ????????я ??и???я

3.1 П?и ????????я ????й ????

3.2 П???ы ????й ???? ??????о ??а

З?лю??е

С??к ??????? ?т???ы

П????е

В???е

Ц?ь ??? – ?????? ????й ??т?и ??????о ??а и ????а ????н? ? ????????я.

И??я ? ?? ???? ??? ????й ??? ??ую?е:

???ь ??????е и ?????? ????я ? ??о?м ????? ????й ???? ??????о ??а;

???? ?????й ??? ????х в ???м ?????? ??е ????? ? ???? ?????ия, ?я??
??????е и ??????е ???ы ?я????и ??а и ?????? ? ? ??? ??? и ?????? ?
????????ю ???? ?????ия;

???ь ????? ?? и с ?о у??м ? ??? ???а ?я????и ??а ???? ????? и ?????
???ия?я ? ????????ю ???? ?????ия в ?????? ??е.

О???м ?????ия я?я?ся ?????? ??. П???? ?????ия я?яю?я эк?????е ????я,
???аю?е ??у ??? и ???и ????? ?зя????й ?я????и ? ??? ??????ия в ??у ????
???в ? ????х ????и, ????и и ??????.

П???а ????? э????? ????й ???? ??????о ??а ??????ь ?о?? э?????и, ?к
???????, ?к и ?????и, в ????и А.А. В?????, А. Е????м, В. М???, В.М.
У????, Дж. Ф. С?? и ?. Ими ???н ряд ???, в ???х ?????я э? ????.

П? ????и ????й ??? ??????? ???????е ??, ?????е ????ы, ??????? ???, ?????
??а и ???ия?й, ??? ??????х и ????? ???в.

I. ТЕОРЕТИЧЕСКИЕ ОСНОВЫ КРЕДИТНОЙ ПОЛИТИКИ

1.1 П?я?е и ???? ???а

Ц?ь ????й ???? о????ь ????? в ????й ?я????и Б??, ????ы, ????ы и ????
??в??я ????и и ???и Б??, а ??е ?я???? и ????ия ?? ???? и ??????й, ?ня?х
в ???? э????ы, ?????а ???? и ???.

К??? ?????яю?я ? ????х:

-????и

-????й ???????

-???й ???????

-????и

-??????.

Б?к ????ля? ?я????ь ? ?? ???? ?????.

С???е ????х ??? ?????я ?с????:

-????ия ????? ????й ???? ??м ?????о ??? ????, ?????й э????ы ?? ????,
?????? к ?????ию, ??????? ??я?я ???й о ??????? ????, ?я????? ????????
????? ?????я;

-?????я ????? ???? Б??;

-??????? ???? ? ???? э?н??и ???? ?????;

-?????и ????? ?????а ??м ??оя??о ??ю??я ?? э??в э????ы и ????? ????х
????, ??ятия ?р ? ??ю??ю ????? в ??? ?я??ия лю?х ????в ??????я ??? ?
???у.

В ?????? ?ря?е ???аю?я к ?????ию ???ы:

-с э????й ?????й и ????? ??? ???и (???????) ?? 15% ?и ???и ????? (????в,
????? ????й) ? ?? ????и и ?и ???и ??????ия ???а ? ?? ?????х ????? ? ??е
20%;

-???????е ? ????? ??к с ??? ???и (???????) ?? 15% ?и ???и ????? (????в,
????? ?м???) ? ?? ????и и ?и ???и ??????ия ???а ? ??е 30%.

К??? ??ю?я ????, ?ею?м ????е и ??? ??а в Б?? и ???о ?????м ? ?м ????.

К??? ? в?аю?я ????, ?ею?м ?????? ??и Б??, ?лю?я ??я??я ? ???? Б??.

С?????? и ?????? ???ы ? ?? ?????х ????х ???? Б?? ?????яю?я ??? с ????ия
П???ия.

П?????ия, ????ляю?е ???н? ???? и ? ???и.

В??у ??, ? ??, ???? ? д????, ??я?? ?р ? ??????ию ?о?? ??????и ?????
????й ??л Б??.

К???? ??л я?я?ся ?????м ??????? ??а и ????????ся ??????и ?????ую?й
?????? ???? ???? ????ию.

Ф??? ????? ???.

.На ??? ????? ??? и ???с?й э????ы.

.П?? ????, ????? ???????й ??? и ????? ??? ???? ?я ?????ия.

.А??з ????х ????? и ?л?? ?????ия ???? – ?????х, ????н?х, ?лю?я ?????е
???ы.

Р????а ????о с ????м ??ы ?????ия ???а.

А??з ????, ????? к ?????й ????? э????ы ?я ????я ???а.

А??з ????? ??у ??я??? (э?????, ?????м) и ????? (?????, ?????м).

А??з ?????й (????й ?? ???? с ?????? ?????? ??? ???у?? ??????й Б??.

На ??? ??я?я ???я о ??????

1.А??з и ????е ??? ?????й ????? э????ы и ????? ??ю??й ? ???у ?я
???????ия ???а ? К???? ???т.

2. С?????е с К???? ????м ?з?? ????? ???, ??а и ??? ?л?? ??????ия ???а.

П??т?? ????х ????в, ??в?? ???, ??? ????? с ????м ????о с ю????? ???м.

П????а ???я??й ? ???????ию ???а, ???ию ?????ую?? ???? ??а, ?????ю ???й
?о ???, ??? и ??? ????ия ????? ??е?й ? ???, ???х ?я????в ? ?г??ию ???а
(?? ??? ???е ????т?? ????м ????м.

П????е ?????е ???? Б?? о ??я?х ???й.

На ??? ???ля ? ????

В???е ????? ??е ???ка

О????? ???? ? ??????? ???в и ????? ???а

П????е ?????е ???? ? ?сяц ? ?????я ??а ????я ???а.

Н??р ?????о ??оя?я ????.

К???ь и ???????я ??????я ???? ???ля.

Н??р ? ??оя?? ????? ?у???.

С????? ??????? ?????, ??????х ???в, ???, ????в, ???.

Р?????е и ????? ???в ? ???аю?ю ???????ю ? ????, ??ся??я к ?????и ???.

О???е ????а???х ??г ??н?м ??а ? ????, ??ся??я к ??е??? ???.

П?я?к ???я ?????? ? ????в???у ???у.

У?т ?????? ???я ? ???у ???у, в ????и ???? Б?к ???л ?и ???? ??? ????ия,
????? ? ?? ???а, ????и ????, ???а ?????ия ??а ????ия.

По ???у ???????? ???у в Б?? ??? ?? ???? ????е ??е, ???е ?????я в ??
????ия ?и ?????я ????? ???? и ????тся ??? в ??? ?????я ?о ???ия.

Д????, ?????ся в ????м ??е, ??? ?? ???ы и ??????ы в ???????м ?ря?е.

О???я ?????ия ??е ??? ????ь:

Зая???, ?????е ????м, ????? ???? ?? ??????я ???а и ??ь ????а, ???е ??т
?? ??о???? ?я ????? ?????я ???? ???а;

К?? ??????х ????? ????, ?? ? я?я?ся ю????? ??м;

Д????, ?????ю?е ????ия ?? ? ????? ????? ??в?а ? ??и ????, ?? э? ??
я?я?ся ?е?????м ????;

О???л ??ю???о ????? ????;

Ф????е ??? ? ??оя?ю ? ?нь ??? ?я??ия, ?????е ????м, ?лю?я ??т о ???ях и
???х и ???, а ??е ??? ? ?????ю?е ???ы, ????? ????й ?????;

С??? о ???????е и ???е з????й ??ы ????, ?? ? я?я?ся ????? ??;

Р???, ??????? ??????м ???и?м Б??, ?????ю?е ?????ь ???? ????ть ?????й ??к
???? ???в, ?????х ?я ????ия ???? ? ???? ???а;

Р??? К????о ???? Б?? ? ?????и ????? ????, ????? ??и и ???я, в ??????, с
???? ?л ????н ???;

Д????, ?д???аю?е ?? ??????я ???а. Е?и ???к я?я?ся ???м ???о ?? ? ????ю
???о ??и? в ??? ??? ?и ??й-? ?о ??и, ? к ??е ??? ?? ????а ??я ????а,
????ряю?? ????ия ??щ?а ?к ???, в ?то?м ???а ??а ???а и ?? ?о ???????
?????м.

Е?и ???????й ??? ????н ?д????ью, ? ??????ая ?????ия ? ????? ??е ???
?лю?? в ?бя:

1. ???? ??ю???о ???? ? ?о?? с ????, о ?о ???????й ?????и;

2. ????, ?????ю?й и ????ю?й ????ю ????ь ?????о ????а;

3. ????ы, ?????ю?е ???ую ?? ?????о ????а, ?? ??? ???н с ??ю ??????ия ?о
?????ия.

По ???, ?е?????? с ??в?м ?????я ????ия ?я????в ???? в ??е ??? ????о
????а, к ????? ??е ??? ???? ?????? ?????я ???р о ???, ????ия о ???? ???
и ???х ?????я е? ????и.

В ??аях ???????х ?????л??? Р????и К????, ? ???? о ??? ??? ???я ???а о ?о
???????й ?????и в ?????ую?й ?????и ?и ????ля?ся ??????о о ?о ?????и.

В ??е ? ?????, ????? ? ?????? ????о ????а, ???е в ?????? с ????м о ???
??е ???? в ??????ь ???? ??о ????м ???, ??? ?????я ???н?, ?????ю?е ???ую
?? ???о ????а и ??у, ? ???е ?о ??????.

Е?и ??? ??н с ??ю ?????а?я ??????а, ??????и ?и ??? с?????х ?????????
?????о ????а, ? к ??е ???аю?я ????-???я ?????ия ? ?????м ???м и ??? о
????, ??????? ???, ?и ?т ??? ??и ????м, ?????ю?е ????? ??т, ? ???е ???н
???.

По ???у, ????? ?я?????, ? ???? ????? ????й, к ????? ???? ???аю?я ??ую?е
??????? ????ы:

?????й ???р

з?лю??е ?????й ?????и ?и ????, ?????ю?? ????????? ????? ??оя?е ???а;

????ы, ?????ю?е ????ия ?? ? ????? ?????? ???? ? ??и ???а.

????ы, ?????ю?е ?????е ????.

И???ия и ????ия, ???? в ?клю??? Б??м ???? ? ???????м ????, ?лю?я ???? ?
?????ю, ??? ??, ????ы ???? ???ям э?х ????в и ???е? к ?????ую?м ??е.

Д????, ?????ю?е ?? ???о ?и ????? ????я ??????и ? ???у, ??? ?? ????ы к
????? ??е, и ???? ???? ????я ???а.

Д????, ??????ую?е о ??х, ????я?х Б??м в ??? ?????ия ?и ??????о ????ия
????м ?о? ?я????в.

Лю?я ??ая ???????я ?и ????ы, ???ю?е ????? ?и ??? ???? ??у ??? и ????м,
?????? ??е ??ю??я ?????ую?х ????в с ??ю ???? ?????о ??оя?я ???? и ?о
?????и ??е??я? ???и ? ???? ???а ?????? и ??? ???.

Б?к, ????аю?й ??? в ?????? с ???я? ???? ? ???е ????ия, ?я?н ??и ?????ию,
???ю?ю ??ля??? и ???у ???? ? ???? к???, и ?????но ????ь ? к ????? ??е.

По ???иям Б??, ? ???м ???т???? ? ????а, ??? ???ь ???н??я ?к ? ?????
?????у ? ??х ????ях.

Э? ????ия, ?????няю?я в ??? ??? ? ?ря?к ???я ?????? ? ???иям Б??, ? ???м
? ??с ???????ь ? ?????? ?я???с? ????м.

К?????ия ????

С????? ????? ??? ?я?? ?с?я?о ????ля? ????, ? ?????м ???й ??ю??? ????х
????в, ???м ??????? и ??????м ????м ???а и ????? ???? ? ??, ?????я ???
???? с ????м ? ??я??и ??о ??а ?????я ???и.

К???? ?????ы ??т ?????ую ???????ь ? ????? ??? ?????о с??я?я ????, ?????я
и ?д????ия ????а ???ы ???а, а ??е ????и и ?????я ???а.

В ??? ????в ????я ????? ??а я?яю?я:

-????е ?????а ????- ????;

-????е ю?????о ???а ????;

-????е ю?????о ??? ????;

-??????е ?????? ??????и ? ???у ???у.

-??????е ?????? ??????и ? лю?м ??? ?я?????м ???а ??? ??е 3 ?ся?в.

А??з ????ы ????? ???ля Б?ка и ?а????ия ???? ???в, ????ся ???я?о.

К?????ия ???? ???ля ????ся ? ?? ???, ???? ????, ????мо ? ??, ?? и ?????
? ??? (?????е ???? ??а, ????????, ?????е, ?????), ? ??а ?????я (??к????,
??????), ? ?лю? ??????ия (??е, ??лю?), ??????ь ? ???м ? ???? ? ???
????ия ????к??.

С??, ?????я?? ???, ????ляю?я ? ???? ? ??ую?е ???:

1.С?????

2.Н??????

3.Н?????????е

4.С?????е

5.У????

П? э?м ????я? ???? я?яю?я:

??ю??е ????м ??? ???? ? ???;

??? ?????о ????я ????;

???????е ??а с ????м,

?ею??я у ??а ????н? ?е?? и ???ь ?о ?????.

1. С????? ???

С????? ???-???, ?? ???? к???о ? ???? и ???? ???? не ???? ???ия, т.е.:

???к я?я?ся ????о-????? ?зя?т?ю?м ????м, ?ею?м ???й ???ь ??????? ?????м
????м; ???ю ??у ???????; ????? ???? ??? ????я ?????й ??????и (в днях);

у ??? ???я ? ?? ????е ??е. П? ??? ????и ?????ую ?? ??? ????е ???? к ??м
?я?????м в ???й ?я????и;

???? ?????е ???а, ????а к???о ???????я ??????м ????????х ???в и ???
????х ???в. Сс?а,???ая ????, ????я ?????? ?и ???и ??????ия ????ния в
???е ?????м ?я ???ия ??ы и ????в ? ?й, ? ???е ??? в ?????? с ???ую?м
????????м, м?? ?? ???? ????е. В? ????ы ? ?????я??у ?????ю ??? ?? ????ы в
?ря?е, ??????м За???????м Р????и К????.

У ???? ??? ????и ????уют ???? ??, ?о ?и ? ??т ?????, ?????ь ???в ?я ???
?????я.

2. Н?????? ???

Н?????? ???-???, ???й ????е??й ??, ?я??ый:

с ????й ???? ???а ? 30 ??;

???????? ? ??е ??? ??.

К ??? ??? ??ся?я ???ы, ?д??е ????, ????? ????е ???х ?????, ? ?ею?я
?????? ??????и???е ????? (?? ?????й ??????и, ???????? ??? ???в и ???й
????и и т.п.).

Н??? ????? ??е ?я????.

3. Н?????????й ???

?????? ????и, ???? ???ля? ? 30 ? 60 ?? ? ?я ????я ????н?? ? ?? ??????
??;

???????? ??е ??? ??.

К???, ???? ????, ? ?ею?м ????е ??е с ???а ???, ??ся?я к ??? ??? ????,
????? ? ??ю??я ??? ????.

4. С?????й ???-э? ???:

Д?????ь ????и, ???? ???ля? ? 60 ? 90 ?? ? ?я ????я з?????? ? ?? ??????
??.

5. У???? ???- э? ???:

Д?????ь ????и, ? ???? ??ы?? 90 ?? ? ?я ????я ??????и ? ?? ?????? ??.

Н????е ????в п?????я ?с? 90 ?? ? ?я ????я ??????и на ?? ?????? ??.

П????? ????ия ????в ???? ?????е ??а ?????х ????в в ???е ??а. У?т ?
?????х ????в ?????ся ? ???? (?е ????? ?? 9972).

Е?и ???????ая ??а ? ????? ???иям ???? ??????е ??о ??у ??я ?????и в
??оя?м П???? ???? ??, ?я ???ия ??а ??а ???т ???? ??? ??? к ??? ?л? ???о
????.

П??? ? ???? ????я ???? ???л ????у ???? ?????? ???. С???? ????? ????
????го ??????о ??а ???т ? ???и ?о ??????и ?и, ????, ???с????, ?????? ?о
?я????и, ??оя?я ??а ???х ????. С???? ????? ???? ???? ??????о ??а в
К????е ????ля?ся ??ую?м ???м:

?????е ????;

????

??????е ?????е

??? ?????? ????

С????? ????

С????? ???? ??а ??и?ю?я ? ????о ????, ??? и ???????? ???и.

У???й ???л – ?????я ? ???в ???ия?й, ?????й и ?????й ???т ? ?????й ????и
??й, и ??? ???? ?????? ?я????в ??а.

С?? и ????а в??? в у???й ???л ?????ся И????? ” О ???? ???и и ?????и ???
??г ????? ?????я? ? ????? РК”. В ?????? с ?й ????е ?????и, ??аю?я в ??е
????о ?и ????о ???е??о ????, ?о ??? ????ся в ? ???х и ?????иях, и ???уют
?? ???? ???л ? ?????й ????и ??й, ??????х ?????и.

С?? ??а ???оя??? ????? ?л??? о ?ря?е ?????я и ??????я ??? ??а.

Р???? ?? ?????? ?я ?к??я ????х ???в ??а ? ?????? ? ???иям. М????? ?з?р
????? ??а ???ля?ся ???м ????й ?????и, ? ? ??т ???ля? ??е 15% ???? ????о
????. И??н?? ????а?я ????? ??а я?яю?я ???е?я ? ???и ???ля?? в ?? в
?????? с ????????м.

Б??? ???ую?я ??е ?????е ??ы: «И?? ???? с???», «И?? МБП», ????? ??м
???????х ?ч???й; ??ы э??????о ??????ия ????е ? ???и. К ?????м ??? ??а
??сят ??е ????, ????? ? ????? ???? ???, ????? ? ???ям П?????? РК; ???? ?
???и ??? ??й ? п??м ????? ??х ?????й ????и.

Ч??я ???ь ???? ?? – э? ??а ???и ??ющаяся в ?с?ря??и ??а ??е ??? ?? ???в
и ???.

М??? ?? ?????я? ?м ????е ???? ?????я ???а ?????х ???в (????) ??а. Р??р
????, ?????? ? ?й ?и ?? ????, ??т ????м.

Н??????е ????е ???? ?и ???е ???? к ??? ????? о ??????м ??оя?и ??а и ?м
??м ??? в ?????е ?????, ?????, а ??е ?м ??. П????, ??дя ? ????? ????
??т???о ????, ???я? ?? ???? ????, ????я? ????? ???. Н???в, ?? ????
?р???ия ??ч?ы ???? ???? к ?о ??????? ????ю, ? ??т ??ю??ся ???е ????а
???? ???? и, ??????о, ?и??е ???в. И???о, ?о ? ???? ??????и ?????? ????
??а ?ияют ??м, ???, ???? и ???? ???? ????. О????я ??а ? ???????? ?????
????, ?я?н?х с ???м ???, ???т ?????? ??ш?о ???а ?????х ???в и, ????,
?????? в ????м ???? ??а ?? с ?????м ??? ????т ????л?? ???? ?????? ????.
Р??р с?????о ????, ?????? ??у, ???т ??е ? ????и ?о ????. Т?, ?????? ??и
???? ??а ???х ?????? ???ия?й ???т ? ?? ???? ???а ?????х ???в ?и ?м ?
?ъ?е ???? ???? ? ????ю с ???, ????ую??я ? ?????? ???? ??а ??? ????в,
??о?? в ??? ??? у ??а ??т ??? ??и ? ??? ????. М?? ?с????? ???? ??? ?????
?????я ?????о ???? и ???ля ???в (Capital-to-assets ratio). На ??я??и
????? ?т в ???й ????? ???? э?т ????? ?????л ????е ????я. Г??? ?????
?????м ??????и ???? я?я?ся ?э???? ???? ???в (Capital-to-risk ratio),
???й ???ля?ся ??ую?м ?р??:

коэ??. ???л ??а (?????е ????)

р??в? = ————————————————————

а??? С?? ???в и ?е ????? ???

????ая ? ???и ??а

??? в ?????е ???ы ??сят ? ????и ???в, ????????? ? ???и ??а, и ??няю?я в
???? ? 0 ? 100%

К?????ая ???? ????й ???ы ??????я ? ??????е ????ы ?????ия ????, ? ??????
??и ??? ??а ??? ???? ??????и ????.

Н???в ??????и ???? ??а ???ля?ся ?к ?о???? ??т??? ???в (????) к ????? ???
???в, ????? с ??? ??а, ? ???м ??ы ????х ???? ?д ?????е ??? ??г и ? ????е
??? ? ??? 3 – 5 ??п ??а:

к???

Н1 = ————————-

Ар – Рц – Рк – Рд

?е Ар – ??а ???в ??а, ???н?х ??? ??а

Рц – ??я ???? ????? ???а ?д ?????е

??? ??г

Рк – ?????и

Рд – ???? ????? ???а ? ????е ??? ? ??? ???м и ? ???? с ?????.

К??? (?????е ????) ??а, ?????? в ???е, ???ля?ся ?к ??а:

????о ???? ??а;

??? ??а;

???????? ???и;

?????я ? ????:

???а ? ????е ??? ? ??? 1 и 2 ??п ??а;

?????о (?????о) ???м ?????? ????о ???;

????? ???в в ?????й ?лю?

????? ??? ??г, ????? ? ОРЦБ;

?????я ? ????:

????? ???в;

?????х ?????х ??й;

????ия ????о ???? ??????? ??а ?д ?о

????????? ????м;

? ? ????? ?я????? ???а ?д ?????е ???? в ??? ???;

????, ???? и ??????в, ???????х ??х

???в;

????ия ??? ? ?и????е ?????? ??в? ?д ?б????и и?????;

???? ???х ???? ? ?????м, ? ? ????? ????м;

?????й ??????и, ??????ю ??е 30 ??;

??? с ?????я? ??? ? ????? ????м.

Н???я ? ?б??? ???ый ?с, ?????й ???л ??а в??ня? ????о ???? ??? ???й:

З???я ???я. О???т ?????ь ???ы ?????и ????? в ??? ????? ??а.

О????ая ???я. И???о, ?о ?я ??? ???? ??? ??у ????м ??т?? ???л, ???й
?????ся ? ?????? з??й, ?????ия, ???ия ????? ???? ? ??? ???????

???в. На э? ?? ?????ся ??е ?????й ???л.

Р???ую?я ???я. Свя?? с ????с????ью ?щ??а в ???? ???о????и ???, а т?? с
???? и ????и ???яю?? ???????м ???м ????ля? ???и ??????я и ???ля.

П?????е ????:

Т??? 1- С???? ???? и п???? ???? ???

АКТИВНЫЕПАССИВНЫЕП?? ???в (????в)О???е и ???? ??? ????, в ?м ??е ???
???????вВ??к ?????х ??? ??г (??й, ????й),?н???х ?????? (????, ????? и
с??????х ??????)П???? ??????х ????, в ?м ??е ???л????х ????х ????.

В ??й ??е ????? ?с??в ?????? ???? ???ют п????ю?е ??о, ? ????м ???м –
70-80%. П? эт? ????а ????х ???т ?к ? ????и ??а, ?к и ? ????й ?я??? с
?я???м ??х ???? а???я?и ???? ????х ???? ???в.

В ???й ????? ???? ?е ?и????е ???? ? ???у ? ???ля?и ????ю?я ??ую?м ???м:

????

??? ?????? ????

П???ы ????й ?? ?????? ???

Р???ая ??, ?к ??оэ?????? ???, ????т ?я?е ?ия?е ? ?????ь и ?????????
??????о ??а. С?и ???? ?я????и ??????о ??а, а ??????о и ???ы ???в, ???е ?
????, ??? ??сят ? ???? ?х ????, ???е ?? ?????т ? ??е ???х и ????? ????.
О?ю? ????т ?????ая ??? ??у ???и ? ?????е ????.

Ф?????е ????й ??, ?лю?ю?е в ?бя ? ??? ?????е ??й ????ы, ? и ??оя?? ???н?
?р??? ???и?в ?????я ????, я?я?ся ????й ??ью ???о ????ия ???? и ????и
??????о ??а. Э????? ????? ????и ?????? ??????е ????й ????? ??т?и. С????
э?й ??с? ?я????и в ?м, ?о в ??и ????х ???? ??р ??а ??? ????н ?????ой
???й ????ы, к ???й ? ??я?н ???о ???е, ?м к ????м.

П? ??? ??ы ??, а ? ???, ??? ??? о ???? ??г ????, ? ?? ??т ?????ую ?????ь
???а ????и ????и. П? ?????и ???? ???в ??о ??? ???ся ? ????, а ?нк ????
??и ???о ???ю ?????ю ? ????а, ??ря? ???? ???? ??о. Б????о ???е ???? ??
????ляют ??й ?л?ую ???? и ?????? ? ???? ??а – ?? ? ????х ??ч ??а. Но
????м ?е ? я?я?ся ?????е, а ? ????? ????.

О??????ь ????, ?я??ая с ????м ????? ?????и, ??т к ??? ??я?е к ??????
????. Е?и ?? э?х ??н?в ??, ? ?????ь ? ?х ??а ??ь ???. Поэ?? ??? ??а
????я ????ая ????, в ??? ???й ???ся ?????е ?????? ??ня ???????, ?????е
?????и ????ния ???? ???? ? ?у?х ????? и ?????е ???с?????и с ???? ? ???,
???м и ????? ???м.

Не ???, ?о ??????, ?к ?? ? ???? ?????й ??????я ????х ???? – ??е ???? в
К????е ?????е ?я????и ???. О???е ???ы э?? ??ую?е: Э? тя??я ???ия в
???????, ??а ???? ?? с?ня?ся ????? и ??м ???; и ????? ??д ???ия?й,
?оя?яю??я в ???е ?????; ?????я ??????ь в д?????х ????, ???я ??????и ????
??????ь ????? в ??????, ???? ? ?? ??????? ???? в ???????е ??? ???, и ??я
??????ь ?зя??ую?х ????в в ?????? э?????? ????; ?о??ы ???????о ?????о
?????а; и, ???ц, ????? ????? и ?????? ??т?и в ????и ????о ???а.

С???? ???? ???т в ?м, ?о ??????м ????о ???а ???ю?я в ???? ?????? ??и, а
?и в ???ях ?????? и ??????и ??т??, ????ш? ???? НБ в ???и ?????о ??????я
– ??? ????ы ? ????ию, ?ия?е и ?????. А ???е ??и, ?ею?е, ?к ???о, ?? ????
??ы в А??ы, ???ают ?? ???ы ?? ??о в ???е э??????????? ???ия?я, ??????
???х ????ля?ся в ???ях ???ия ???и ?????? ??ью ? ??й с ????? ?с?м.

П????е ??? ? ?л???? ??и?? ??аю?я. В????и ????и я?яю?я ???о ???? ???й ???
в ???е ????? ??, ??? ??я?и и ????? ???????х ??г.

С??ня ?е ?? ???? ?? ????, ??а ?к ?е ?д ??д ???а ?? ???????й.

Т???м ?я ??? ??о ????? ?тя ? ????? ???а ?????????: ???? ????й ???и,
?э??и??в ?????о ??оя?я, ???? ???в, ????ы ?????й и ?????? ??????и,
??????и ? ????, ??? ??? у ???ия?я-????. И э? ?????? шаг ???, ???? ?с
????, ????? ?о ??? ?и ? ?я?у, ????я.

Н???? ??????а о ??е ????ий ???н ???яют ??? о ??????м ??е ????й ?? ?я
?????ия. С??? ???к ? ???м ??? в ??е.

Р?????е ??и ??т и ??? ?????ь ?к ??? ??х ????х ????, ?к и ?лю ????х ????х
????. С???я в ???й ??? ?????ь ???а ??? ??? ?????ю в ???????? ???е, а ?а,
в ?ою ???ь, ???а д???? ??г у ???????.

М?ы, к???, ? ?ш ??яд, ????? ????ь я?яю?я ????? п??? ????х ??:

1. М?ы ??оэ??????о ????а:

????е ???? ??? ???????ия и ????? ???????х ?н?х ??г, с ??я?? ???а ????я
??? ? ?? ?м ?? ?з в ?????? ??? (???? – ???л) ? ???????м ???;

??е мя?ая ???о-????я ???? (????? ????? ???? ??ы ?и ??????? ??я?и);

???? ??? ? ???ь ??ов ? ??? ??ня ????я ???и ю????? л?;

П?ня?е З????о ???а и З??а ?б ????, ???е ???и ? ??? ??и р????ью.

????е ???? ????а, ?о ???ит ???, ? ???й ?? ?????, ????ь ??? ???н в ??е,
???аю?й ???? ?????? ????. ?м??? ???ны ????а, ?я ???л?????х ???, ?о п???
? ????о ????, ?ея ???ю ????ю ?? в ??й ???и, ? ???ая ????? ????а в ????о
?з. С???е ??ч??а ?я????х э?????? ????? ? ??ня ?и ???м ??и ??? ? э????о
?????ь ?и.

??е, ???т ??????? ???????е ?? ????, ????м? ?д ? ???т ??, а ???: ??ю??, ?
???й ?? ????, ? ????? ???и и ? ???ы, ???е ??аю?я ?д ??ы ??? ?? ??п ??а;

??? ??ъя???о ???я, в ?????? с ???м ? ????? ???и ????в ???ю?я л?ь ?????
???и, ??? ???й ??? Н?????го ??а ?юс ?и ????. Р?? з???и ??? ???ь ??? с
??????х ????в?

2. М?ы ??оэ??????о ????а:

?????? ??и ?ея ????й ????й ????л ??? ????ь ???? ????ия ??й ????й ??.

??? ????? ???ь ??? ? ?????ю ??? ?????;

??о ??? ??????е ????х ???? с ????и ?????, ?о ???????ся ?????й и ???е ?е
?????ся в ???? и ?????х ????.

??? ???? ??т ???? ? ?з?г. С??ня ??? ???ия?я ? ?еют ???в ?я ???и ?????ия
? ??? ????и, ???? ?????, ? у ?х ??? ??? ???в ?я ???ы ????? ????. Л??г
???? ????м ??????м ???ия?ям ????у ? ????е 7 ?т ??ю??? ??оя?? ???ия ??ня
???????? в ???? ???л. Т? ??е ?о ряд ?р в ???? ????я ???а ?е ??ят: ?????
???? ????? ???и ? ??????ь; ??? ???, ???ую?м ????? о???и.

???, ?я эф???н?о ??????я ????х ????, ??о ????? ???ь в ??????е ??е ?????,
в ????и ?????е ???? и ???лю ??з ?????е ???ы. П????е ??? в ?? И???т я???
????м ???????м ???? и ?? ?????ь ???ия ???? ????. П????? ??ью?р ? в????м
???м, ????й ???р и ??? к ??? ????? ?ют ??у ?????ь ????ь ? ????о?? ???
??ь ????х ????, ???я ????ь ? ??????? ? ??ц ?я. И?????? ???? ? ????
????ся, т.к. ??е ?????й ??? к ??у ???я? ?????ь ???у ??????ия” По???я
??????? ???и ? ?? ????ия ???ы ??? ??и-???и.

1.2 Р?ь и ???? ????й ???ки ??????о ??а

К???ая ???? ??????о ??а ????ля? ??й ???у ???о-????х ???ия?й, ????? ???
?я ????ия ??д???х ????? ?????в и я?я?ся ?н? ? э???? ????? ????.

На ??? э?? ????? ????й ???? ????? ??? ??оэ?????? ???? в ??? в ??м, ???а
??? ??????х ????в в ????и, ?а?? ????? ???? ????х ?????й ?????ия, ????
????? ????а ?н? к ??? с ????? ????я? ????????, ??я?е ря? ???????? ?????х
?????. П????я ??? ????? ?е ?ля ?я????и ???????о? ????? ??????я и ????я
??ше к ??? ??????х и ??????х ??б б??, ? ?????е э?х ?????х, э???? ???а
??ют ???с ?????ия ?????м и ???????.

И??я ? ?????х ?????? ?????о ??а ????т ????? ????й ???? на ????? ??? (???
1 ?д). В э?м ????е ???ю?я:

1. О???е ?????я ????й ??? ??а ? ???оя?й ???, ????? ?к???и ????й ?я????и
(????ы и л??ы), ?????ю?е ?????й ???ь ???е???и и ?????? ? ????х ???,
????:

– ?о???ия ???? и ????в;

– ?????я ?????? ???? и а???;

– ??? ????в ???ля ???в ?н? в ??м;

– ??? ????в ????? ???ля (??? ? ?????? ???ия?й ??й ???и, ??й ??ы ??????и,
??? ?да ?????ия и т.д.). О??о ??? ??? ?лю?? ? ??е 25 % ? ???? ??? ?????
???ля. У????е ??????о с???а ??х ??? ???? ?и ???и ???? ??? ? э?? ?????о
??и??о ??а;

– ????? ???:

а) для ????? ;

б) ?я ???, с ?????? ???? ???????й, ????;

в) ?я ??х ????;

г) ?я ????? ??а;

– ??????? ??? ?????ия (??ую?я ?я ???, ?ею?х ?????е ???ы с ??? ???м
???????? ????а к ????ию ?????? ????й ?б?ы, а ??е ?я ?????, ? ??ю?х ????ь
???? ???? в ?????? ????);

– ????ия ? ????ию ??? с ?????? (?? ???в, ????ы ????ия, ??а в ??? и
т.д.);

– ????ия ? ???????у ?о???ю и ??????ю ????;

– ?????й ???ь ????й ??и и ????ы ??я?я ???я ? ?о ????и.

1. У?????я П???? о ?ря?е ??? ????, ?е ????ся:

– ?????я ????? ????;

– ???? ????х ????? ? ???? и ????ы ????? ???? ????х ?г???;

– ???а ????ия ??? ?????я.

Т??о ??е ??я?я э?х ?????, ??????ю?х ????й ???с, ??о ???? о ????? ?????
??а к ??? ? ?????ию.

К???ая ???? ??????о ??а ?????ся ? ???? э?????? ?????ах и ????? ?????
?????. Для ???? ? ????? ??у ????? ??и ?? ?? ????, ???е ???ают ?з???? ?
????ию ???в ???а ???в ????? ?????. В э?й ?я? ????? ?????ь ???? ???ы,
?????ющ? ? э?????? ???? ??а в ??и ?????ия ???в ????? ?????.

К ???? ??? ????я ????? ????? ????? ??ся?я:

????е ??а ????? ????;

????? ???в ????ю?х в ??е ????? и ????;

?? ???????й ?? ??а;

?????е ???в ????? и ???? ??а ? ???? ????ию (????, с???е ??? ??а ????о
??????а).

С???а ?зя????х ???ия?й и ?????й — ???? ??? ?????ия ??и??о ?????. А??з и
??? ???? ?????? к ???ля?и ???в у ???ия?я, с ??й ???ы, и ?????? в ????
с???? э?? ? ???ия?я с ??ой — ????е э???ы ????? ????й ????. В ????? ????
?????? ???ся ?м ???? ??а, ???е ???м ?ою ?зя????ю ?я????ь ????ляют ??з
??? ?? и ????ют в ?м ?е с?и ???? ????.

Для ??? ??? ???? ??т ???е ??о ??оя?? ????, ?к ?к в э?м ??? ????? ???? в
??е и ?о ?????ь.

А????я ???? ?????? ??? США в ??и ??ю??я ?????и, ???? ??ую?е: “П? ???й
?????и ??? ? ?????ю ???? ? ??т ??с???? ???ия ??????? ?????е ?к??? ???
??? с ??????и ?????. Д??????, ??е ??? ????? ?о???? ??????х и ??????
????ий ???в ? ??? с ??????и ????? ??? ???, ?м ??е ???е ?????е, ?? ? ???
??? ??????ся ?????? ????в ? ?н???х ????? ? ?? ??о ??????х ?????? ?я?й”.

Э??????, э?????? ??????я и ?????ь ???в ???ия?й и ?????й ???????о ???ю?я
? ?????? ????? ????? ??а. В э?й ?я? ?? ??? ??? ??ь ?я????ь ??х ????,
??????? ????уя ??е ?о ?????, ?к:

л????? ???а;

??????? ??????я ???в, в ч???? ???????ь ????х ???в ?к ???? э?????? ????
???и ?????и ???в;

??ы ?????? и ? ?????? ???ям ???? ??ю??? ???в;

?????й ???ь ???ия?я и п????? ?о ???ия;

???? ?с ????и, ?????? ? э???, и ?.

С???а ????я ??? ???? ??? ??о в ????? ???? ?????ия ???в ????? ?????.
О???е ???ы, ???е ?????ют ? ?????? с????й ????я, ??ую?е:

В???а ???? ???в и ????? к ????иям.

О????ия ?????ия ????? ??м ???й ????? ??.

К???о ?????я?? ??г ????ю.

О????ия ??????? ???.

Т???с?я ?????? ??? ??а ? ??? с ?????.

Х??? ??ия ????, ? ?????? ??????е, ????? ??, ??????ь ?????и и ??????я
??????? в ??е ???в, ????? в ????? ?яз????, ?????и ??п??ия и ??ие ???ы, ?
??? ???х ??о ???ь ???? ??????е о ???е и ??ке ???в ????я.

О??е ??о в ????? ???в ?е???о ????? ??????о ??а ???ют ???ы Н?????? ??а РК
. С???? ???о ????а ???т в ?м, ?о:

?-???, ???ы Н?????? ??а РК — э? ???? э??? и ???? и????т ??????я ??? ????
??ы и ?????и ????? ???ы;

?-???, ???ы Н?????? ??а РК ??ю?я ?????? ??? в ?ря?е ???????ия.

С??? ???????ия ??????, ?о ??????о ?????? ??и ?????яют ???ы ??м ???? ? ??
??? ????? ?????, ?к ???о, ? ???л??? ???? ????ию, ?ею?? ??? з???е для
?зя??а в ??м и у????я ????о ???а. В ???ую?м ??? ???а Н?????м ??? РК
??????у ??у ??т ??ю ????? (???????ь) ??ь ????? ????? ????? ??????о ??а,
???я ??????а в ??????х ???? ???? ??а.

В????? ??????я ??????и ???и ???? Н?????? ??а РК ???ляю?я ???о-????й
????й в ???, ????? ? ?м ?и ?? э?? ?зя????? ???ия. Е?и Н?????й ?? РК ?ч?
????ь ???ую ??у, ? ???? ???? ????? ???а, в ?м ??е ? ?? ????ия ????,
?????я?ых ?????? ???. И ????, ?? ????????я ?? ???? ??ы, ?????? ???ся
???ию ???й ????? ???ия?й ? ?? э???? ???а, в ?м ??е ? ?? ??а ????,
?????я?? Н?????м ??? РК ????с?м ???.

В ??оя?е ??я Н?????й ?? ?е ?е д???? ??????е ????х ???? ??? ?????????
???, ?о ? ??ч?т ???? ???м ????ия ????и. Вм?? с ?м, в ????е ??я Н?????м
??? ????????я ??? ???? ?????? ?н?м в ?ря?е ???????ия ?и ??ю??и ??ую?х
???й:

??? ???а ???? ??????о ?н? ? ?????? ?????ям (? ??? ????? ?????ия ?я
?????? ???в ????о ?????я и ??? ?рья ?я ??? и ?????й ???????, а ??е ?
????ю ??????);

??? ?????о ??оя?я ??а и ?????ы п???ия ???а;

?????я ?????х ????х ???? ??????о ??а и ????? ??? ??????х ???? ???и ???и;

э?????? ?????е с ?????? ??????я ???а;

?????а Н?????? ??у ????? ??а ? ????о ????, ??я?? ??????и ???и в ????
?????я ???а;

??ю??е ????? ????, ?е ??ны ????????я ?? и ??? ???а, ?ря?к ??? и ????я,
????ая ??? и ?я????? ? ???.

М?????? ??? — ?????? ???? ???в ?я ?????я ?????? ????? ?????. В ?????
???? ??????е ??????:

????ля?ся, ?к ???о, в ?лях п????ия ???й ?????и ??а ?и ?????я ??????о
???ия с???;

??т в ???? ??????й ????;

я?я?ся ?????м ? ???у ????в??я ???в;

????? в ??? ????????х ?н??? ???;

????ля? ??й ????оя?й ? ??ш?ию к ??? ????? ????й ????л ??а.

Ра??? ??????? ?????ия ?????? ???я ??????ая ??, ???е??ю?я ????? ??оя?е
???, ? ????????? и ?????ь. На ???? ?о???ы ????? ????.

С???а ????? ????? ??? ?р??ют ??к ??г и ???а, ? ???м ??и ?????яют и
????ют ???ы. На к???? ??е, ?к и ? ?я?м ???, ??? ?? я?ая ???а ??? и
?е???ия ???а. В э?х ?лях в ??е ????ля?ся ???? ? ????и ????и, ???е
?????ют ? ??с и ?????е ????:

Н???ь ??? и ?????я ???а.

О?? ??? и ?????я ???а ? ? ????и.

У??ия и ??? ?????о ??ня, и? ?? ???а ? ????и ???а.

О???е ????и ???ия ? ????м ??е, ?о??о ?????е Ц?????о ??а.

С????ия ????? ???й ? ???н? ????х ???, ? ???????.

С??? ?????я ??а, ???я ??т ?оя?я?ся ? ?я?и и ??????? к??? ? ????м ??е.

Х??? ??ия ????и ? к???? ??е ?ют ?????ь ??????у ?н? ????ь ???ю ????
э????о и э????, а ???? ??? ????? ?т???а ?????? ????е.

Е?и ?????? ?? ??т я?ую ???у ? ????м ??е, ? ?м ??м ? ?????? ?я ?бя ?????ь
????я ??????? ???а ? ????м ??е в ??? ??????я ?????х ?я????в ?з ??а
??????и. К?? ??, ????й ??к ???я? ??у ??е???ь ???ю ?????ь ??х ???в ?о??й
? ? э?м ??е.

К???ая ???? ??????о ??а ?????? ?????е ??????е ?? ???в, ???е ??аю?я ?я
??????ия ??е??х ????ю ?я????в и ?????? р??? ?????и. О??? ???в ?????
?????ь ? ???? и ????м ??е. В? ??? ? ???? и ???н? ??е ????ю?я ???и ???я?
??н? ????ия ??а.

О?а ? ???? ??й ????? ?л??и в ??????и ???в ????? ????? — э? ?????е
?????ия ????ы ????? ???в ? ????? ???в ??а. Т?, “в США ?т ?????? ?э????а
?????и, ?о ?????е и ?????е я?яю?я ???й ?????а ?н?. П? э?м ??дят ? ??, ?о
?п ?????? ????в, ???? ? ??????я и ??и???ь я?яю?я ?а??и ????и, ???ляю??
?????ь”.

Т?? ???м, ????я ???? я?я?ся ????м ?????? ????ия ??????? ??й ??????о ??а.
От ? ???? ????? ? ??? ???т ????? ????т ???с?? ????ия.

1.3 О??а ????й ?я????и ?????? ??? в РК

Б????я ???а – о?а ? ???? ????о ???аю??я ??о?в э???? РК, ???д ? ????
????я в ???м ????л ???? ???. За ??ую ???? 1990 ?? ?? ?????и ??????а ???а
???????х ????????? ???. В я??е 1991 ?? ?л ??ят ??н «О ??? и ?????
?я????и в К???? ССР», ?о ?? ? ???? ???м ????? ???ы в ???, и к ??? 1991
?? в ??в?м ?????ь ?????? ??????й ??о??й ???ы: ? ??? ??? – Н?????й ??
Р????и К????, с ????? ????ия? и ?????, а ? ??? ??? – ?????? ??и РК.

Ф?????е э????о ??ц???ю?й ??о??й ???ы, ????й ????? ?????ю ????? ???? и ?
?????ию ? ?????? ?????ях ?????й ?????и э???? ???, ??т ????ую ?????ую
?????. К?????е ??и, ???уя в ?????? с ???о-?е??? ????й ?????а, ????? ????
д???х ???в, ?ияя ? ???? ? ???а, э??ию, ??ю ??у, ?лю?я ????? ???? ??г,
??дя??я в ????и.

С????ая ????ая ???а – ??а ??????х ??г ??м ???? – ? ?????? ????о-???х и
??е?о-???? ????, ???ляю?х ??? ???с?? ??, ? ???? ?? ???о-????х и ?????
??????, ??????и ?н???? ?????и ( ???, ????г, ??т и т.д. ).

Р???я ????? ????, ???ч??е ??и ?????ют ?м ??м ?ою у?????ь, ?????, ????? и
?????? ???????ия в ???е ???? ????й.

Э?????? ?????, ?????ую?е ?е? ?????о ???а, ??????уют о ?л???ь?х ????ях,
????ю??я в э?й ???и.

Т??? 2 – Д???а ???? ?????й, х?????ю?х ???? ????? ???ы ? ряд ?т (? ??ц
??, в ??.??е)

Г?ыК????о БВУС????? ???лО?? ??м ????вО?? ??м ????
э????Б??Ф???В??К??о-???еС??е- и
??????20025542669,0170,4139,169,166,920034742397,6290,6276,2143,2133,020
0444400161,2445,0489,8241,1248,7200536420122,1603,3672,4289,0383,4200634
435233,5971,3978,1369,8608,42006к 2002

-1,6

-1,2

3,4

5,7

7,0

5,4

9,1П?м???. С????о ? ??? ??ую?х ?????: С??????й Бю???ь Н?????? Б?? РК.

Д??е, ???ё?? в ???е, ??????уют о ?м, ?о с2002 ?? ?????ь ??? ?????ь в 1,6
?з и ? ??? 2006 ?? ?????? ???е к ??????у ????? ? 34 ???.

С????й ?????й ???л ??? ? ???????й ??? ????ся ? 340% и ??? ? ??ц 2006 ??
233,5 ??. ??е.

З?????й ?? ??????и, ???ря ? ???? ????? ???, ????ь??? о ????и ??????
????? ???ы в ??м.

О ????и ???я к ????? ????? ???????т ????? ???в ????в ? ??????й ??? в 5,7
?? (в ????е ?? э?? ??????? ???? Ф?? ?я????? ??????ия ????в). О?ём ????в
? ??ц 2005 ?? ???ил 971,3 ??. ??е.

Т?? ???м, ??м ????? ???? ? ????е 4 ?? ????ся в 7 ?з и ? ??? 2006 ?? ????
978,1 ??.??е. П?????? ??ь я?я?ся ????? ?ли ??????х и ?????? ???? в ??м
??? ?????ия э???? ???и ???о ??ня (? ??? 2006 ?? – 62,2%).

С???? ???? ??? ? ???ям э????, ???? ??? Н?????? Б?? РК, ??я?т ??ую?м
???м:

Т??? 3 – К??? ??? ???о ??ня ? ???ям э???? ?н.?.

В?? ??и?2004 г.2007 г.В?? ? ???ям1 484 0107 258 369В ?м ч??:

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508,596

99,580

48,220

52,240

12,696

8,647

207,791

79,422

975,414

190,034

76,984

106,559

43,505

11,023

190,833

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215,365

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0002d010200040000002d010300040000002d010500040000002701ffff030000001e000
40000002d010600040000002d010000040000002d0101000500000001020000000005000
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fffff00040000002c010000070000001604a00022013600c70008000000fa02000001000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700040000002d010000050000000102ffffff0005000000090200000000040000002c010
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0001e0005000000010200000000050000000902ffffff00040000002c010000070000001
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0000902ffffff00040000002701ffff030000001e0005000000010200000000050000000
902ffffff00050000000902ffffff0005000000010200000000040000002d01010004000
0002d010500040000002701ffff030000000000

Р??? 2-Д?????е ???ы БВУ ? ???ям э???? ? 2004-2007 ?.

О?ю? ??о, ?о ???и в ???? ??????ь ???и ???????, ????, ??????о и ??? о???.

II. А??з ????? ?я????и АО «БТА»

2.1 О?ая ??????? АО «БТА»

АО «Б?к Т?? А?? я?я?ся ю????? ??м и ????ля? ?ою ?я????ь ? ????и ???ую??
???????? Р????и К????, У??а и и ????? ????й Б??.«БТА» я?я?ся ??????м ???
????ляю?м ?е ???? ?? ????? ????, ??????? ? ??е ????? ??г, ?лю?я ??????
???х и ??????х ????, ??????? ????? ???, ???? ??????? и ????? ????. Б?к
??? в ??о ??х н???х ????? ???? К????а.

В «БТА» ??????я ??е 10 ?сяч ????. К?????е ?? ? ???? ??? ????в, ??????
??? ??????м ????. К???ая ?я????ь «БТА» ?лю?? ???? ??????, ?????? ?????
???? и ?????х ????, ???? и ????е ???????. С?? ???? Б?? ?? ???е ???ия?я,
?и э?м ???? ???? – ???ия?я ??? и ???? ???а МСБ.

И??ия ???ия ??о???о ???? “БТА” ????ся с 15 ?тя?я 1925 ??, ??а ????
П????а Ц?????о С??а ????о ?зя??а К????а ?? ???о ? ?р???и ????к ????е
П?????? ??а (П????).

В ????? ????е П?????? ??а ????? ????е ??????и. Т?, в ?????? с П??????м
С??а Н???х ????? ????? ? 7 июня 1932 г?а “Об ?????и ? ????? К????а
?????х ??? ?????? ????” в г. А?а-А? ? ?? П???? ?? ????? К???ая ???я ???а
??а ??????ия ??????а и э????зя??а СССР. Р??ря??? С??а М???? СССР ? 11
июля 1949 ?? А????ая ?????ая ??о? ?? ??????? в К???ую ???????ю ???у
П???? СССР, в ????? ?? ??????о в К???ую ???????ю ???у С????а СССР.

С????м П??????м ЦК КПСС и С??а М???? СССР ? 17 июля 1987 ?? №821 “О
????????и ???ы ??? в ??? и ???? ? ?????я ? ????е э?????? э????” ? ?? ??
???????х ??? (С???? СССР, Г??? СССР, В?????к) ?? ?????? 6 ??ов:

? Г??????? ?? СССР;

? П????? – ?????? ?? СССР;

? В?шэ????к СССР;

? А?????к СССР;

? Ж???й ?????? ?? СССР;

? С??????й ?? СССР.

П???м Г???????о ??????о ?????о- ??????о ??а СССР ? 4 ??а 1991 ?? №126
К???? ???????й ?? П??????а СССР ?л ?????? в К???? ???????й ?? Г???????о
к?????? ?????о-??????о ??а “Т???нк”.

П??????м К???а М???? К???? ССР ? 24 июля 1991 ?? №444 ?л ?з?н К????
?????й ?? “Т????”. На ?????м ???? П?????? П???ия КАБ “Т????” ?л ???
Б???в О?з М???ч.

Ф????я ?? КАБ “Т????” ?лю?? 66 ????.

П???м ??а В??еэ????с?й ?я????и СССР ? 23 я??я 1990 ?? ?л ??? К????
???????й ?? В?шэ????ка СССР в г. А?а-А? ? ????и ??а??я ? 11 ???я 1989 ??
??у С??? М???? К???? ССР и В?шэ?????м СССР.

Р???м ???ия ??д??? ? 14 ???я 1992 ?? №3, ????? П??????м К???а М????
Р????и К???? ? 28 ???а 1992 ?? № 710 Б?к В??еэ?????? ?ят???? Р????и
К???? ?л ?????? в Б?к В??еэ?????? ?я????и Р??б?ки К???? “ALEM BANK
KAZAKHSTAN”. П?????? Пр???я ?л ??? И??в Б??н К?????.

А????? ?? “Alem Bank Kazakhstan” ? ??я??и ря? ?т я?я?я ???м П??????
Р????и К???? ? ?????ю ?????х ???ов ?д ???? ?????а.

Ф????я ?? АБ “Alem Bank Kazakhstan” ?лю?? 20 ????.

З???е ?????е ???? “Б????А?м” ?л ??? 15 я??я 1997 ?? ? ????и П?????ия
??????а Р????и К???? ? 15.01.97 №73 “О ??????и Ка???? ?????? ??а “Т????”
и ?????? ??а “А???к К????”. Д??м П??????м ?? ?????? М?????у ???? Р????и
К???? ????ия ? ???ию и ?????ю ??я? “Б????А?м”, с ??? ?????я ?о ?т?а и
??и???я ???в ????ия ??а. На ??м ???? ????? П?????? П???ия ЗАО “Б????А?м”
?л ??? Т??? Е?? Н??????ч.

З???е ?????е ???? “Б????А?м” (ЗАО “Б????А?м”) с 1 ?тя?я 1998 ?? ???е???
в О???е ?????е ???? “Б?к Т??А?м” – ОАО “Б?к Т??А?м”.С 26 ??я?я 2003 ?? в
?я? с ???????? ??????о в А????? ???? “Б?к Т??А?м”

«БТА» ? ?? ??й ??? ???? ????а ?г?д. Т??о в 2005 ?? ?? ???н ?????? ???? ”
Euromoney ” ?к “Л?ш? ?? СНГ” и “Л??й ?? Ц????? А?и”, а ??? БТА ? ??????у
ф??????ю ???а ??????х ???? ? Р??и в К???? ???? “Л??й ???й 2005 ??”. В
2006 ?? ?м??я “Euromoney” ???ая ??ы ??????с? ?я ??а ???я?? БТА ????? и
????в, ???а ?? “Л??м ?ё??? ? ???аю??я ??? Е??ы”, а Н?????я Л?а ?????? ?
??? ?????ия ???? ????? р??? ??и ?н?в “???й ???” К?а??? ????а БТА Н???м
??? ???? “Б????о”.

В 2007 ?? АО “БТА” ???? ??? в ???? ?? ??а??? ??й ?я????и и ????? ???я?
???и в ?????, ???м ????е и ? ???х ????? ???.

Р???я ?ою ????ю ? ?????ю в ????? ???й ?? ? ?????? СНГ, БТА ????? ???я?
?????ю ???у и ??ря? ????е ????ы ?????ия ????. В ???ях ???аю??я ?????и, а
??е, ???ря ? ????е ??ю??? ? ??????х ???, БТА ? ??? 2007 ?? ???????в?
???ляю?е ????? ?????.

В 2007 ?? АО “БТА” ?нял ??? ??о в р???е “П??? ??”, ???? ??? ??е ?м ? 500
???й, ???в ?? Arab Foreign Bank (Л?ия) и Intercontinental Bank (Н??ия).
В?? ??? ??? The Banker ????ля? ? ??м ???иям ?к ?а????ь ?????о ???ия,
э?????? ?р???я ????м, ????е ??????? ??о??й, ???? ??????? ??а и с??????е
????ия ? ??е.

И???ая ??? АО “БТА” В??а ? ??у 250 ?н. ???? ?? ???? “Л??й ???й 2007 ?? в
К????е” ? ??? ??????о ф????? ???я Islamic Finance News.

О????в ??? ?????е, БТА ?????о ???? в ????ии и ??????? ?????? ??, в
????и, ???л ?? ????ю?е и ???л ??е ????я с ?????и Б??????о? ???а и М???и.

О???м ????м ?я ?????я ???ы “Л??я ??? 2007 ??” ???ил ?т ??, ?о ??а ???
В?а? ??а ??й ???й, ?????? ? Ис???м ????м ?я ?????о ????а в К????е. К??
??, э? ??? ??а ??м ???м ???????м ??? ?я ?????о ????а ? ????и Б???????о
р???.

16 я??я 2008 ?? П?????ь П???ия АО “БТА” Р?? С????о и Г?? ??????ой ??? У?
Б?к (Woori bank, Р????а К?ея) Ко К?? Су ????и ????? о ???? ???????.

С???? ????ия АО «БТА»

О??????ая ?р??? АО «БТА» ???ля?ся ?о ???м, в ???м ????ся П???? ? ???х
????ия ???, ? ????иях, “???????и и ????я? ?и ??????и ???? ????? ????.

Г??? ???м ????ия ?????? б??м я?я?ся ??е ???? ?????. О? ????т ??ую?е
???я: ????? и ??ня? У??, ???? С?? ?????, ????? и ??ня? ???й ??т, р????я?
??? ??а, ????т ???я о ?????? ?о ???в, ???? и ????? ????ой ??, а ??е ???
и ??? ??? ???ы ?я????и ??а.

На ??м ???? ????? и ??а С??а ??а ?????я П????? РК, ???й и ????т ?????м
???м ??а – С??? ????? (?и П???ия Б??).

С?? ????? ??о? ? ?? ?????в и ????ля? ?????о ? ?я????ью ??а. В?е ?????
?????ют ?????ую?е ??????я и ??? ?н?.

С?? ????? ????т ??? ???е???е ??? ??а, ???е ??т ????с?ю ?я????ь в ??????
с ?о ???ия? и ?????ия?. О???? ??ция? С??а я?яю?я: ?????е ??????? ??й ??а
и ?????? ?о ???? ? ???м, ??????? ????м, ?лю?ым и ??? ???иям, ?????
?????? ???й ??а на ??е, ???в??е ???х ?я?й с ???и ?????я?, ????? ???????х
??г, ??????я ???? ?я????и ??а, ??? и ?у??е, и ??????е ???. Д???? ??а
????ают ??? ??????й ???в, ????ают ?ло??е ?я ??а и ???ают ???я о ?о ????е
(???х, ??????ях).

О??????ая ????а ??а ?лю?? ??????? ??????я и ???, ??о ???х ????? э??????
????? и ???м ?????х ? ????.

П?????ия (???) ??а ???уются ? ???????у ????ию. Б??? ?и??е ?? ??я? ????
?????й ??а??а, ??????? и ?????и. С э?й ??ю ??аю?я ?????е ??????я, ???е
???ю?я ????и ???й ?я????и ?н?, ???ают ????ю?е ??е??ия ? ?о ??? в ??м
(???к 2).

В ??? ??е ????ия ???яю?й ??а ???? ? ??? ??а, ????? ??????? ?????я ?о
?я????и.

Во ??? ?? ??ят ?????я ?а????я, ???????я ?я????и ??а, ????? ?????й,
?????? и ю????ая ???. Н????е ???о ??а ??о? в ?м, ??ы ????? ?????????
???ия ??а, ????? ?оя?х ??д ?м ??ч, ?????? ?о ??? и ??о?, ??пе??? ????и,
????? ????? Н?????? Б?? Р????и Ка???н ? ???? ?????ям ?я????и. Т?? ???ы
??? ???о-э?????? ?д?. Е? ?я????ь ???????? ? ???е ???й ?я????и, ??????
??вн?о ????, ?????? ?я????и ??а, ?????? ??????.

У??ляю?йО?? ?????й ?????? ?я????и ??а и ????ия ????? ?????ьюО?? ?????
????О?? ?????ия ????Р??? 3 – О?????н?я ??к?? ??а.

К?????я ?я????ь ????? ???з?ию ????х ????? ??г (??????, ???????, ?лю??) и
??? ???? ????. Сю? ??ят ?е, ?о ?я?? с ??????м ???? ? ?????? ???х. Э?т ??
я?я?ся ?????м ???, ?е ?????ю?я ????? ???. Сю? ??ят: ????е ?????, ??????
???е?е, ??, ????? ???ия? с ???и ???? ?лю??и ???ия? и ???.

О???уют ??? ??а в ??е ??а??? ???ов ?????? ?????, ???е ????ля? ??? ??????
? р????, ???м и ???м ??? ????, ???? ? ??? ????? ???м.

Ч???? пя?й ?? ???? ????? ?? ?????й ?я????и ??а ?к ??????о ??п?я?я. В э?
??и ??ят ??е ??? ?к ?????я, ??л ???????? ???? и ????????х ????й, ??а.

Ш??й ?? – в ????м ??? ??????о ????? ????х ????в и ????? ???я??й ??????у
????ию ? ??? ?и ????ю ??, ???? ? ?????м ????? ????о ??а и ???аю??я
????в, ????? ??л????х ????? о ?????й ????, ????ся ???????й ??? ?????о
????я ????, ?????аю?я и ?и??ю?я ?? ? ????? ????ю ???й ??????и, ???я?о
?????я?ся ????? о ??оя?й ???? и ??????? ????х. Р???? ???о ??? ?ют ??????
? ?????й ????ы ????х ????, ??ряют ??е ??ы и ??? ?????ия ????.

2.2 А??з ???а ??а

О???й ??? ??????й ????? ???ю?й ????о-?зя????ю ?я????ь Б?? я?я?ся ??????й
???, в ???м ????ся ????? ?????х и ?????? ???в Б?? ?я п???ия ???и (??в),
а ??е ???? ????и ф?????я э?х ???в (???). Т?? ???м, ???й ???а ?????
?я????и я?я?ся ?х????? ??? Б??. С???уют ????о ???к ???а ?????о ???а. О?н
? н? – ?????, ???я? ? ???? ????? ???и, ????я ??? ???ля?р, ? ????? ?????
???ь ????? ??оя?е Б??. К???, ????? ????? ? ????ют ? ??лю?ую ???? и
????н??ь ???, ? ? ?ёт во?о??? ??? ???? ??е ??????е о ????? ??оя?и Б?? и
??? ??? о ??????и ?????о ???а.

Для ?????я ????? ?????? Б??, ????ся ?????й ??? ???? и ???в ? ???м. В
???? ???а о???яю?я ???? и ???? ?с ??? ??? в ???е ?и ???. П????е ????
????ю?я с ?????? ???ия?.

Ф????е ??оя?е Б?? ????я ?????, ?? ????? ?? ?????? ?а??я.

Р????м ?я????ь Б??, ????я ??? ????????х ??????х ???? АО «Б?к Т??А?? ?
2006-2007 ?.

А?? ????? ????? ???? ?к ? ??????м ????? ??????? у??, ?к и ? ??????м
????? ????? ?????. З?лю??я ?????й ???? ?????ют ??????ь ????? ????? Б??.
О????? ??а, ?к ????ия, ???е ?????? ????е ???? ???? и ????т ? ? ?????
???, ???я? ??ля? в ?о ?я????и ????е и ???? о???и.

П???? ????. С ? ???ю ??и ???уют ?? ???ы. С?ь ? ???т в ?????и ????х ??в
???в, ????и ???? ? ??? ???, э???, ?????х ??? ??г, а ??е ????ии ????х ??
????, в ????? ???х ????аю?я ????? ???ы.

К ????м ???иям ??сят:

??м ???в (????в);

???? и ???е ??? ????, в т.ч. ???-???????в;

??? ?????х ??? ??г (??й, ????й), ????? ?????? (????, ????? и ???????
??????);

????е ??????х ????, в т.ч. ???????? ????х ????.

А??з ???а ???а ????ся с е? ?????и ? :С????? ????, Обя????? ? ??????я,
С??? ?я????? и П??е ????.

Т??? 1 – С???? ???? АО «Б?к Т?? А?? ? 2006 – 2007 ?? ?с.?

П????и2006 ?д2007 ?дО????е

Т????

С?? в ?с. ??еУд ?с В %С??Уд ?с В %1С?????
????42197299021.230880173012.3-11317126073,21.1У???й
???л1174984322.73044743939.81869759612591.2Р????
???л26343847.643273372.516929531641.3Д?????? ????ый
???л16510.900-16502Обя????? ?
??????я114519914457.8151197548360.73667763391322.1К???а и ???
???3452989410.12522304016.6-9306854732.2В??ы
????107064696230.4137399578919.112663488271282.3В????е ???? ???
???390592728.2109566114470 506 8422802.4Н?о??е
?я?????9630169.13190540212 227 5243313С???
?я?????41309398020.966763716926.82545431891613.1М??????
???ы28228463915.357284313112.52905584922023.2С????????
??1308093415.49479403814.3-36015303724П??е
?я?????18624340.16738830.2-118855136В?ю?
???а19821285481002489088265100506959717125

А????я ? ??? ???ы 1 ??о ???ь ??д:

С????? ???? (СС) ??у, в ??ую ???ь, ????? ?я ?к??я ?????х ???. К?? ??, СС
я?я?ся ???? и ????? ????? ????ия р???? ???? ????. В ?????и ? ???? СС ?я
??? ?????аю?я о????ия в ??? ? ????? ??е.

К? ??о ? э?й ???ы, ? ??ц 2007 ?? ???ы Б?? ????и 2489088265 ?с. ?.

В ????? ????и ?лю? ???а в 2007 ??, ? ????ю с ????? ??м, ???а ? 125%.

У???й ?? ???т э?????ую ??ву ??????я и я?я?ся ?я????м ??в?м ?????я ??а.

Д?я ????о ??а в ???и ?? ????? с 2,7% ? 9,8 %, ?и ????? ???а ?
186975961?с.??е, ????? ????о ??а ????о в ?я? с ?????м ??ы ???х ??й.
У????е ????о ??а ?г? ????и ?-? ????ия ?? ?о?? ?е ????? ??й, ?? ?-? ???а
??х ??й ???.

Р???? ???л ??а ????я ? ?? ??? ???и, ??е ???????я в ???е ? ?? 15% ?????
??ы ????о ???? и ?????? ?я ????я ??????? ???в ?я????и ??а и ?????я ?о
???????ия, ????й ???л ??а в 2007 ?? ????я ? 1692953 ?с. ??е.

Д?????? ????? ???л ??а в 2006 ?? ???лял 165 ?с. ??е, а в 2007 ?ду ??? по
э?м ???иям ? ??.

В ??м ???? ?с ?????х ???в в ????е ???а ???а ???лял в 2006 ?? 21,2%, а
2007 ?? 12,3%.

Обя????? ? ??????я (ОВ) я?яются ???? ???? ? ?????? ??? ????. К ?я?????м
? ??????я (ОВ) ??ся?я: ???к ???в ? ???х ??? в ?????й ?лю?, ???к ? ???х
??? ???ия?й ?? ?? ??????и, ???е ??а ???ю?? и ?????? ?????й, ??а
????????, ????ляю?х ?ою ?я????ь ?з ?????я ю?????о ??, ???ы ? ?????м
????м.

Обя????? ? ??????я в 2007 ??, ??????я ? 132%, ?о ???ля? 366776339
?с.??е. Н????й ???? ?с в ?я?????х ? ??????я ???ют ????? ??а и ??? ????.
В??ы ???? ? ?д ?????ь ? 1266348827 ?с. ??е ?и ? 128%. С?? ? ????м и ???м
??? ?????ь ? 9306854 ?с. ??е, ?? ??а ???? 73%. У????е ????о ? ????м
?я?????м, ? ?? ??а ???? 331%, а ??я ??а ????ия –2 227 524 ?с. ??е.

В????е ???? ??? ??? ? 2006 ?? ???лял 39059272 ?с. ??е, а в 2007 ??
109566114 ?с.?.

С??? ?я????? (СО). В ??? ???х ?я????в ??ят ??а ? ???м ????ю?я ??е д???
?я ??а ???ы. К ???м ?я????в? ??ся?я ???е ???? и ??????е ???ы.

С??? ?я????? ?????ь ? 254543189 т?. ??е, т?п ??а ? ?д ???? 161%

П??е ?я????? в ????е ???? ?????ь ? 1188551 ?с. ??е, и ?а? ???ля? 0,2% к
??у ??.

В ??м ??? ???а ????? ?и?? ? 506959717 ?с. ??е в ????и с ???м ??м, ?? ??а
? ?д ???? 125%.

В 2007 ?? БТА ? ?????м ???? ?л ? ??? ??е ??и ??? Ка???? ? ???иям
?????ия.

П???? ???ия ??? ??? ????я ???ия?ям и ?????ям , ????я и ???, ???х ?еют
???й ??с.

О??е ???? ??я?? ?????ию ??оя?? ???? Б??, ?ею?х ????? ф????е ????е,
?????? ?я ?е????я ???, ????е ?????е и ?р?ую ????ю ? ??е.

К???о ????? ???ля Б?? ??оя?о ????ся ? ?? ?????о ???а к ??? ????в. Из ??
в ?д н?лю??ся ?????й ?? ????? ?? и ???????, ????с?й ?? ???? ???ля.

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a0200000000000000000000040000002d01020007000000fc020000ffffff00000004000
0002d010300040000002701ffff030000001e00040000002d010100040000002d0100000
50000000102ffffff0005000000090200000000040000002d010200040000002d0103000
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fffff0005000000090200000000040000002d010200040000002d010300040000002701f
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0000000000000000000000000000000000000000000040000002d010700040000002d010
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40000002d01080004000000f0010100050000000902993366000400000004010d0004000
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70000001604320108024f009b00040000002d010200040000002d010300040000002d010
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500000013029b00a000050000001402810095000500000013028100a0000500000014026
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b00050000001402380114010500000013022d01140105000000140238018d01050000001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0000000040000002d010200040000002d010300040000002d010600040000002701ffff0
30000001e00040000002d010500040000002d010800040000002d010100050000000102f
fffff0005000000090200000000040000002c01000007000000160463012502000000000
40000002d010400040000002d010200040000002d010300040000002d010600040000002
701ffff030000001e00040000002d010400040000002d010800040000002d01010005000
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00000000400000004010d00040000000201010009000000320a270183000100000030000
a0015000000320a0e013800090000003130303030303030300009000a0009000a0009000
9000a0009000a0015000000320af5003800090000003230303030303030300009000a000
9000a00090009000a0009000a0015000000320adc0038000900000033303030303030303
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03030303030300009000a0009000a00090009000a0009000a0015000000320aa90038000
90000003530303030303030300009000a0009000a00090009000a0009000a00150000003
20a90003800090000003630303030303030300009000a0009000a00090009000a0009000
a0015000000320a76003800090000003730303030303030300009000a0009000a0009000
9000a0009000a0015000000320a5e003800090000003830303030303030300009000a000
9000a00090009000a0009000a0015000000320a440038000900000039303030303030303
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d010600040000002701ffff030000001e00040000002d010400040000002d01080004000
0002d010100050000000102ffffff0005000000090200000000040000002c01000007000
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0002d010600040000002d010700040000002d010200040000002d010300040000002d010
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4010d000400000002010200070000001b045d000d024000c901040000002d01020004000
0002d010300040000002d010600040000002701ffff030000001e00040000002d0104000
40000002d010900040000002d01010005000000010200000000050000000902ffffff000
40000002c0100000700000016045b000d024100ca01040000002d010200040000002d010
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c0100000700000016045b000d024100ca0108000000fa020000010000000000000004000
0002d01080004000000f001010007000000fc020000993366000000040000002d0101000
4000000f001090005000000090299336600050000000102ffffff000400000004010d000
400000002010200070000001b045500da014b00d00105000000090200000000040000000
20101000d000000320a4400de01040000003f3f3f320d0009000b000900040000002d010
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0000000040000002c0100000700000016045b000d024100ca01040000002d01020004000
0002d010300040000002d010600040000002701ffff030000001e00040000002d0104000
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40000002c0100000700000016046301250200000000040000002d010200040000002d010
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400000002010200070000001b045d011e020700070007000000fc0200000000000000000
40000002d010100040000002d01020004000000f0010900040000002d010600040000002
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0000000050000000902ffffff00040000002701ffff030000001e0005000000010200000
000050000000902ffffff00050000000902ffffff0005000000010200000000040000002
d010100040000002d010600040000002701ffff030000000000

Р?. 2. Д???а ??? ???? ???ля

С????? ??? ??? ???а ??а

Р????е ??????? ?с??в ??а с ??ю ????я ??? и ?????я ?????и ???ля? ????ие
?о ???? ????.

А???е ???? ????ляют ??й ????, в ????? ???х ????е ???? ???ы ??а ??дят
??????? ?????, ?????? ? ????е ???в, ?и ???зую?я ?я ?????я ??х ???й ?о
дея????и ?з ????????о ???а ? ????е ???.

К ???? ???иям ??а ??ся?я:

– ??????е, ?????? ?????? п???????й, ?????, ??????? и ???й ?я????и
?????й;

– ??????? ???????х ?? ????ю;

– ?????? ??? ??г;

– ???;

– ????г;

– ??????е ??????? и ?????ие;

– ??????? ?? ??? ???.

А?? ???а ??а ???т ? ??х ??? ?к:

????е ???;

???? ????;

О???е ????;

??? ?????е ???ия;

??? ???.

П? ????? ?????? ???а ? ??? ???? ??? ???? ??я?ся ???? ????м, ??? ?????м
???иям и ?????? ?д????? ? ??? (????а, ??я?я в ??? ???? ???в).

Для ????ия ????ия ???а ??? ???а ???? ??ую?ю ???у:

С????? ??? ??? ???а АО «Б?к Т??А?? ? 2006 – 2007 ??.

Т??? 2 – С???? ???в АО «Б?к Т??А?м» ? 2006 – 2007 ?? ?с.?

2006 ?д2007 ?д

С??

В ?с. ?.Уд ?с В %С??Уд ?с В %1Л????
???1238132348.31080294434.4-15783791871.1Н???е
???1231964360.91074529452.3-15743491881.2К??е? и ??? в

Н?. Б??616 7987.4576 4982.1-40 300932В???е
????1190815437802100468466879096530291762.1С??
????113293870860.2202628917329.68933504651782.2С?? и ????
???5787672919.87417929357.4163025641283.О???е
????43332841.2106473960.46 314 1122453.1О???е
????42147670.09102551410.16 040 3742433.2Н??е????
??вы1185171.113922550.3273 7383304В??о ?????е
в???я1438780339.71733609187.629 482 8851204.1В???я в ???
?м?и374343002.636967342.1-3373756694.2И????и в ???л и ????????й
??5272664931526661260.8999394772894.3О???и
РЕПО537170844.1169980584.7-36719026315П??е
???123248370.8152424920.62917655123В?ю?
???а14751648251002407748715100932583890163

А????я ? ??? Т??? 2 ??о ???ь ??д

П????ь ????е ??? (ЛА) ????т ??ю ??ь ???в ? ????ы ???а ?? ??т ????? ?????
в ??чн? ??? .

Л???? ??? ? 2006-2007 ??, ?????, ? 15783791 ?с.??е, ?о ????о 87%. К
????м ???м ??ся?я К?? и ???и в Н?????м Б?? Р????и К????.

В???е ???? (ВС) ???? ??д ?? ???? ? ???в эт? ???. В??е с ?м, ??ы ю????? и
?з???м ??м я?яю?я ??? – ????и ???ия? ?????и ???и.

В???е ???? ? 2007?д ?????ь ? 909653029 ?с.??е, ?о ????о 176%

За 2006 ?д «Б??м Т??А?? ?? ??? ???ов ? ??ю ??у в 1132938708 ?с. ??е, в
2007 ?? ?? ???? э? ???? ? 2026289173 ?с. ??е, ??а ????ия ????а 893350465
?с. ??е, ?? ???? ???? 178%

С?? и ???? ??? ? ??????й ??? ?????ь с 19,8% ? 57,4%.О??о ? 2006 ?д ??
??????о ???? ??? ??? ? ??у 57876729 ?с. ??е, а в 2007 ?? 74179293 ?с.
??е, ??а ????ия с???? 16302564 ?с. ??е.

О???е ???? ??а (ОС) ??ся?я к ???м, ? ???я?м ??д, и ?эт?у в ???? ?? ? ?х
????ся ?? 1,2% в 2006 ??, и 0,4% в 2007 г?у. У????е ??? ???в ??о ????и
?-? ???? ????и ??? ???в ?? ?-? ?????ия ??х ????.

В??о ?????е ???ия ? 2006-2007 ?? ???и?? ? 29482885 ?с. ??е.

И????и в ???л и ????????й ?? ???ют 3% и 0,8%, ??? ???? ???? ? ?? ?
???ают ??????о ?ия?я ? ?я????ь ??а. В???я в э? ??ью ?????ь ? 99939477
?с. ??е.

П??е ??вы ??а ?????ь на 2917655 ?с. ??е. П? ???и ???? ??маю?я ????е ????
??а, ??и ???х ??т ?? ???? и ????е ???? ??а. В ?? к ?лю? ???а ? ?х ????ся
0,8% и 0,6%

П????? ?е ????? ? ????у ?? ????х ??? ??? и ?с?? в ?лю? ???а ?????уют
????я?м ????? ?????.

2.3 С?????? ??? ????? ?????й ??а

Е?и ??? ?????о ??оя?я ??а ??ю?? в ?? ???й ??? ???а ???в и ?с??в ? ??
??а????о ???а, ? ??? ????? ??л??? ????? ????? ????? – ???, ???ы и ???ь,
????я ?и э?м ? ??? ??т о ???ях и ???х, ? и ???е ????? ????? ?я ?????я
????? ?нка. А??з ???в, ???? и ???и ??? ?н?? ?я ?????о ?????а ??а. А??з
????? ?я????и с ??и ??ия ? ????? ???я? ?????у ?????? ????ю и ????ую
????, ?я?? ??е ????? ???? и ?зра??? ?????? ????? ????я ??? ???х ???в.
Р??? э?х ??ч ??з??о ?з ????х ?????о и э??????о ????, а ??е ?????о ?????а
– ???ы ??????о и э?????о ??????я ????, ????а упр???я ????м ????? ????

В ???? ???а ????? ?????й ??????я ??????:

– э?????? ?????и ???? и р???? ??????х ??? ???а.

– ?????? и ??????? ??? ф????х ?????в ??? ??а.

Ц?ь ?????в ?????о ???а – ?я??? ???? ??а ?????? ????? ?я????и.

И??????й ??й ?я ???а ????? ?????й ??? ??т о ???ях и ???в.

На ????и ??? о ???ях и ???в ????? ?р??? ???в и ???? ??а

Т??? 3 – А??з ????ы ???в и ???? АО «Б?к Т??А?? ? 2006-2007 ?с.?

Н?????е2006?д2007 ?дО????е (+,-)Т?п ??а в %1 Д??ы, ?я??? с ?????
??????ия22 003 352232084151 205 0651052 Р???, ?я??? с ???? ??????ия2 613
4341 855 517-757 917703 Ч??й ?х? ?я??? с ????? ??????ия7 154
51866 95083959 796 321934Ч??й ?х? ? ?я??? с ????? ??????ия60 229
29748798774-11 430 523815 П??? ? ?????ия ????39 14947745381 5716 232
0941156 Р???, ? ?я??? с ???????м11 43157321818 31110 386 7381907 П??? ?
???????я24 44220757803 21333 361 0062368 Ч??я ???ь20 64220748682
78828 040 581235

Из ??? ???ы ??о, ?о ??? ??д ??а в 2007 ?? ???? 57803213 ?с.??е, ?о ?
33361006 ?с. ??е ?и ? 236 % ???, ?м в 2006 ??. Д??е ????е ????о за ??
????ия ???о ??? ?я??? с ????? ??????ия ? 59796321?с. ??е ?и 93%

В ????и ????, ? ?я??? с ????? ??????ия, ? в 2007 ?? ??ю??ся ? ????? ?
10386738 ?с. ??е ?и ? 190 %.

П? ???е ????ы ???в ????е ??????е ????ля?ся ? ????? и ??????.

Н???е ???? ?я ??а я?я?ся, ?к ???о, ????? ???. О??у ???н?й ??? ? ???? ??о
????? с ???ю ???ы.

Т??? 4- А??з ????? ???в ??а, ?с.?

П????е ???2006?д

С??2007 ?д

С??О????е

(+, – )Т?п ??а, в %1 С????й ??д, ?я??? с ?????
??????ия:.1216415022602021471385606452131.1 Д??ы, ?я??? с ????? ??????ия
? ????м в д??х ???;5209581060498539 5402031.2 Д??ы, ?я??? с ?????
??????ия ? ??? ???м,9177005109594821 7824771191.3 Д??ы, ?я??? с ?????
??????ия ? ???,22003352232084151 205 063105

Из ??? ???ы ??о, ?о ????ые ??? в ???? ?? ?????ь ? 138560645 ?с.??е ?и ?
213 % .

Д??ы, ?я??? с ????? ??????ия ? ???, в ???????м ???е ? ???? ???? с
22003352 ?с. ??е ? 23208415 ?с. ??е, ?о ? 1205063 ?с. ??е ?и ? 105%
?л?е. Д??ы ? ??? ???м ??а в ???м ?? ?????ь ? 1782477 ?с. ??е ?и 119% и
????и 10959482 ?с.??е. Д??ы, ?я??? с ????? ??????ия ? ????м в ??? ??? в
2007 ?? ?????ь ? 539540 ?с. ??е ?и ? 203%.

К ?????? ???м в ?????? ??е ??ся?я:

– ??? ? ????? ???иям;

– ??? в ?? ?????? и ??ов;

-??? о ?????;

– ??? ? ????? ???в;

– ??? ???.

О??у ?????? ???в ??а ???ем ? ???е ???ы.

Т??? 5- А??з ? ????? ???в ??а, ?с.?

№Н?????е ???2006?д

С??,2007 ?д

С??,О????е

(+, -)Т?п

??а в %1Д??ы, ? ?я??? с ????? ??????ия.6022929748798 774-11430523812Д??ы
в ?? ?????? и ???22 003352232 08415-196829371053Д??ы ? ?????
???иям8233721177847-80558742.13.1??? ? ???
???м128091733745085-9064088293.2??? ? ???иям с ?????й
?лю?й.124385241487858324400591193.3??? ? ?????м
????80533633-8053030.0044П??е ???148337659580125-200874056.4

Из ??? ???ы ??о, ?о ????т?е ??? в 2007 ?? ? ????ю с 2006 ??м ????и? ?
-11430523 ?с. ??е. В 2007 ?? ????? ????о в ???х ? ???иям с ?????й ?лю?й
к??ую ???? 2440059 ?с. ??е ?и ? 119%.

С??? ????, ?о в 2007 ?? ??ю??ся ??? ???в ? ??? ???м ? 9064088 ?с. ??е

П? ????? ???а ????? ???ов, ?к и ??д? ??а, ????? ???? ? ???я ? ? ????? и
??????. П????е ???ы ???ляют, ?к ???о, ???ю ??ь ????.

П??????м ????я ? ????? ???? ? ??ую?й ???е:

Т??? 6-А??з ????? ???? ??а ? 2006 – 2007??, ?с.?

П????е ???ы2006 ?д

С??2007 ?д

С??О???н

?(+;-;)Т?п р?? в %1 С????й ??? ?я??? с ?????
??????ия75 337507147 869737725322301961.1 В??????е, ?????е ? ????м
???ов515 962963 240447 2781861.2 В??????е, ?????е ? ??????м ???? и
????м;12 47558834 124 301216487132731.3 В??????е, ?????е ? ????? ????
??? ???м1 608 8116 229 90446210933871.4 П??е ??о?28 74125 039-3 70287

Из ??? ???ы ??о, ?о ????ые ???ы ? 2007 ?д ? ????ю с 2006 ?д? ?????ь ?
72532230?с. ??е ?и ? 196%.

В 2007 ?? ??ю??? ????? ???? ? ???м ?????? ? ????. В ???м ?ду ? ???? ????
? 447278 ?с. ??е ?и 186% . Р??? ? ??? ????? ? ??? ?????ь ? 21648713 ?с.
??е. Т?? ?????ь ???ы ? ??? ???м ? 4621093 ?с. ??е ?и ? 387% и ????и
6229904 ?с. ??е. П??е ???ы в 2007 ?? ?????ь ? 3702 ?с. ??е ?и ? 87% .

Д?? ????? ?????? ???ы ? 2006-2007?? ? ??ую?й ???е:

Т??? 7- А??з ? ????? ???? ??а ? 2006 – 2007 ??, ?с.?

№Н?????е ???ы2006 ?д

??а2007 ?д

с??О????е

(+;-;)Т?п ??а

в %1Р??? ? ?я??? с ???? ??????ия60 229 29748 798 77442775777811,1З??о?ая
??а и ???ы ? ????9 452 45917 888 51584360561891,2А???????е ???ы300 004
43931 731 45317270141051,3Р??? ? ?????у н???1 452 6242 723
04112704171871,4П??е ???ы30 004 43931 731 4531727014105

Из ??? ???ы ? ??м, ?о ?????? ???ы ? 2007 ?д, ? ??????ь ? 42775777 ?с.
??е ?и ? 81%. В ??щ? ?? ????? ??ю??ся ? ?????т??м ???? ? 1727014 ?с. ??е
?и ? 105%. Т?? ?????ь ???ы ? ????. Т?п ??а ? ?м ???? 189%. Р??? ? ?????у
??? ? 2007 ?д ???и ? 1270417 ?с. ??е. П??е ???ы ?????ь ? – 1727014 ?с.
??е ?и ? 105% .

2.4 А??з ?????и ??а

Т??н «?????? в ????? ??? ??а ???? ???? ?????, ???и, ?????е ?????? ????й
в ???? ????. Р???ют ??ую?е ?ня?я л?????:

– ??а – ?????е ????? ???? ???в у ????? ??а ?я ???ч?ия ?о ?????о
???????ия;

– ??а – ?????ь ?????? ???? ?? ?я?????;

-???а – ?????е ????х ??? ???а ??????м ?????;

– ???в – ???? и ???е ?????? ??????и ? ????х ??в в ???? ????.

Б?к ????я ????м(????????) в ?м ???, ?? ??ы ?о ???? ???в и ??? ????х
???в, а т?? ?????ь ??? м?????ь ???? ? ?? ????? ????? ?я ??????? ????я
???? и ????? ?я????в. К?? ?? ?? ??? ??ь ????? ????й ??? ?я ??????ия лю?х
????? ??. Для ????я ?????и ??а ????е?и ??о ???? ????е ?????я ?о ?я????и:

– ????? ????я ?? ? ????в?ия;

– ????? ?????? ????х ???? ? ?????ю ???в ????;

– ???????е ??, у ???х ???ет ?? ????я;

– ??? ??щаю??я ????? ?р????в, ????й;

– ??????е ??? ? ???? ??е, в ????и ? ЦБ;

На ???? ?????ь ??а ???ля?ся ? ??? ?????и ?о ???а: ??нс ??а ????я ????м,
?? ???? ? ??? ???яют ? ?? ???й ? ????? ???ь ???е ?я????? ? ???у. С??????
? ???ь (?к???ь) ?????и ??а ??? ??о ?ияет ?? ????а ???в ???а и ???????
??? и ?? ???? ????. С??? ?и э?м ???ь, ?о чем ?? ?????ь ??-?? ??? в ???е
??а, ?м ?? ?о ?????, и ????.

Л????? ??а ???т ? ??х ?????й:

– ?э???? ????? ?????и;

– ?э???? ???й ?????и;

– ?э???? ?????? ?????и;

И?????е в ???? ?э????ы ???ают ?????ь ??а ?и ??????й ?????й в ??? ???? ?
?я?т???? ??д ????и. Р????м э? ?и ?э????а и ???м в ???у:

Т??? 8-А??з ?????и Б?? Т??А?м

№П????иФ??? ???аЗ???е

2006г 2007г1Коэ???? ????? ?????иК? = ЛАм / ОВм * 100%10.87.12Коэ????
???й ?????иК? = ЛАт / ОВт *100%6.89.83Коэ???? ?????? ?????иК? = К? /
(К+ОД) * 100%67.578.9

А????я ???у 8 ??о ???ь ??д:

Коэ???? ????? ?????и (К?) п????т ?????ь ??а ???? ?я????? ? ??????я в
???и ???-?? ????? ??. В?оя??? ??????? ??ъя??ия ??у ?? ?я????в ? ??р???ия
????. О??о ?? ?? ???? ????? ?????я в ???, ?ъятия ???? ???в с ????х и ???
??? ??т ??я? ??????? ????. В э?м ??? ??????ь ??а ????? ?????ся ? э?? ??
?я????в м?? ???? к ????ию ??в в ?о ???. Коэ???? ?????ю?я ? ???е:

К? = ЛА : ОВ х 100%

123813234 : 1145199144 х 100 = 10.8 ? 2006 ?д.

108029443 : 1511975483 х 100 = 7.1 ? 2007 ?д.

Е?и ????т ???а ?? 100%, ? ?? ?и ?ъя?и ?? ???в ? ??? до ??????я ?? ????я
с ?????м ?я????в, ???? ?????????. Э?т ?э???? ??е ???я? ???? ??а ??? о
?м, в ??й ?? ? ??е?? ????ия (????я) ?????ю?я ???н?тя? ??а ??? ????ля?
???и. По ???? НБ ?э???? ????? ?????и К?, ???аю?й 30% (? ??? ?т??? ? ??е
70%), ???? ??????ь ???????ь ???? ? ???м ?я?????м. Д????м ???м я?я?ся
70%, ??ич??е ???? 30%.

Коэ???? ???й ?????и (К?) ?????, ??я ??ь ??т ?? ???????, ???? в ???
???????я ??? ???? Коэ???? ???й ?????и с 30. 03 95г ?????я min =0,2;

С 29. 02. 96г. min =0,3. Коэ???? ??????ся ? ???е:

К? = ЛАт / ОВт *100%

18983027 / 280494484 * 100 = 6,8 ? 2006 ?д

32756951 / 402068693 * 100 =9,8 ? 2007 ?д

Коэ???? ?????? ?????и ??????ся ? ???е :

К?? = К? / (К+ОД) * 100%

2478177009 / (34354970+332707927) * 100=67.5 ? 2006 ?д

403331672 / (60275047+450583008)* 100=78.9 ? 2007?д

Коэ???? ?????? ?????и (?????я max=0,5).

В??????? ?э????ы ?????ю?я в ???, ?? ????? ??а ? ???о?и ??? к ????м
???иям. Э? ?э????ы ???ют ???ь ?????ь ???? ????х ???в в ??? ??????ния ???
???? ? ????? ??е.

А????я ?е ???ы ??о ???ь ??д, ?о ОАО “БТА” ??т э???? ?????? ???в, ?к ?к
??ы ??а ???? ? ???ают ?д ????.

III. ПЕРСПЕКТИВЫ РАЗВИТИЯ В УСЛОВИЯХ РЫНОЧНОЙ ЭКОНОМИКИ.

3.1 П?и ????????я ????й ????

П??я и ???я ???? ??????й ????? ???ы ??ю??ся в ?м, ?о ?и ???м ????? ?????
????? в К????е ?е ?и ???ют ?????? ??? ?????м ?п???, ?о ?????? ??????? и,
?о?????о, ????е к ????? ???е со ???ы ????.

Поэ?? ??? ?г к ?????ию ?н???й ???ы К????а ??? ??ю??ся в ????? ?????х
????в ??ов и, ???????, в ???? ??? ?ей ????? ???ы в ??м (???к 3.1.).
Ме??в ????ия ?????? ???? ??? ???о. П??е ??о, э? ????? ?????ь?х э??? ??й
??и ?????. На ???? ??? э??? ??й д??н ??? ????ь ?????ь ??а ? ?????ию ??х
э???. То ?? ?? ?? ????й, ??????й ?и с ??д?дя?й ?????, ? ?у, ??? ??о, б??
??ь ??но ???ь ???х ????? ??? ?о ??и. В э?м ?у?е ???????? ???т ????ия ???
?и ????? ??????? ?????, ??р?, ????, ??????? в ???е ??й ???о ??а. Е?и ??
???х ????, ????? ???н? и ?????, ??????? ???? ???? ? ??и ??и ??? ????? и
????я. П? ??? ????ия ??з ???ую ??у.

К?? ??, ????? ???т ?я ?с???о ???х ??? ????? ??и ? ??????х ??? в ??е
????р?х ???? ADR (А?????е ?????? ????), IDR (М?????? ?????? ????), GDR
(Г???н? ?????? ????). Д?????е ???? – э? ?????й ????? ????? для ?????ия
?????и ??? ??г ?????х э????. Д??е ?????? ???? ???аю?я ? ??? ??????
э???а, ?????? в ??????м ??ж??и ?????м э????. П?????? ????? в ??? ???и
?????? ???? я?я?ся ????? ??????и в ? р?и???и, ?????? ? ??? ???х ???в,
?????ь и ???я ?????ь.

Р????е ?????? ???? ?? ?ч?о ???о – в 1990 ?? – с ?я???м в США ??х ??? 144
А К???и ? ??? ???м и ??? США. В ?м ? 1990 ?? ??е????е ???? ?и ??? ??????
???? ????и 2,6 ????а ???? США, в 1991 ?? – 6,8, а в 1992 ?? – ?е 9,1
????а ???? США. П? э?м в 1992 ?? 4,1 ????а ?? ????? в Л???ую А??? ??з 19
э???? и 1,6 ?л??? ?????? в А???о-Т?????? ??? ?и ???и 12 э????.

К?????? ??и ?еют ?????? ?????ы ????ия ?????? ???? ? ?? ????ия э??? ??й
и, ???????, ?я ????ая ???а К????а ??т ?????? ???м ????? ??и, ?я??? с
??????? ???? ?????х ????в ???.

В ??? ????ия ?????ы ???ия ??а и ???я ????? с ?????м ??х э??? ??й ?? ??т
???? о ???е ????в ?я ???е??я ?ия?я. В э?м ??? ?? ??? ????о ???? ????в
??дя ? ?????о ?????ия и ???х ??д ?????я с ?????.

В? ??????е ?? ?? ? ????ию ?????? ????, ?и ? ???? ?????, ????и ? ?з??
К??с?? ????ую ???у, ??оя?ю ? ???х ???, ??е ?????? ??? и ??е ?????????х.
В ??? ???ия ??и???? ? ???? ?????х ????в ??? ??ую?й ???й ?л ? ??к ??ч??в
??????ия ??ов?? ??а?й. Д??я ???? ??ь ????а, ??? ?о ??? ??? и в ????й
?????е ??????я э???? ????я в ?п??????ях ?я ???ия ??? ря? ??с?й. Б?? ?к
????ия, ??ую?е ???м ????м, в ?? ??х ?нк?й ??? ?????я? э???? ??е
???л????я. К?? ??, ????? ?????и ?????я ???х ???? ???т о ???и в ?????
???е К????а ??о в????? ??????о ??а и ??а ?????и.

С????т ????о ?т?? ?????я ????? ????, ??х, ?к ?????е ???в ????я, ?????е
?????? ??????х ???? и ?????е ?????н? ???.

Ч? ???ся ?????я ????? ??р?в ? ??????м ??е, ? ?я э?? ??????м ??? ?????,
??? ??о ????е ???- и ??????о к????о ???? ??????х ?????х ?е??в. В ???е
2003 ?? Н??? ???л ?????? ????й ???г – В+ ? ?????? ????а IBCA и ??????е
????: В – ? ????а IBCA , В2 – ? ??т?? Moody’s , В+ ? Standart&Poors и В
– ? Thorason Bank Watch. В 2005 ?? Н???у К????а ?? ????ы ??ую?е ????е
????: ??о- и ??к???? ???? В+ и В ? ?????? ??т?? Standart&Poors, ?лю??
???г В1 ?я ??е??я ???- и ?????? ????в, а ??е ???г ?я ???а ???? ??? ??г –
Ва3 ? ????а Moody’s.

П?? ????я ????? ???? ??о??я ????м ??????е ??????х ??? в ??е ??а????
????, ?к??й, ????й, ????е ????х ??й.

К? ???о, ?я ????я ??????х ??? ????? ???я ????я, ???н?? и ????? ???й
????й ???г. Ч? ?? ????я, ?????ь и ????й ???г, ?м ???м ? ??? и ??? ?
????и ??т ?? ??. П?? ????я ????? ???? Н??? ??л ??ю?? ????? о ????и е?
????й ??и М?????? ????? к????и в ???е 30 ????в ???? США.

Т?? ???м, ????ая ???а Ка???? в ????? ????я ????? ????? ???? ??т ???ь
???? ??ня ?????и, ?????? и ??????? ??у ?????? э????.

Е?????, ?о ???????е ??у ?????? э???? ??????, ?е?е ??о, ?????? ????о
???а. О??о ??е ?????? ?????ся с ????я?, ??????? ????? ???? ??????й
э????.

П? э?м ???? ??? э???? ?????ся с ря?м ?????, ??????х ???? ?????и ????,
?????м ??? – ???а, ???м ???м ???в. И в э?й ???? ??о ??? ????? ?????? ??и
?и ??? ????? ????? ??а ???.

В ???й ???? ????? ???? Е??? ???а ????а. В 1997 ?? на У??? ?л ?????н
?????? о ???? ????????о ???а ????о ????а, ??????о в ???? ??? ?и ????и
????? ????. Ц?ью ???ия ??? ???а я?я?ся ????? ?н???х ??? и ????е ??ня
??е??х ??? ? ????. Т? ?к ???й ???ь ????? ??? ????? ???м ???м ???????
????, ??? в ????? ???? ??? ?? ???????й ??????, ???е ??? ???й ??т ??
??????.

В ??? ???ия ????о ???а ?????? ?? ??д ???й ???а ?? ? ????я, ?о ????о,
?????? в ??г, ?е ???? ? ????? п?? ? ???ы ??? ???.

В К????е ???? ????о ???а ?? ? ?????ь, ??? ???е ??ких ????? ??? ? ???? и
???й ???т ??????я ???? ??ют ?????и ?????? э?? ???а ?к ??? ? ??????.

О??? ??е, ?о ????? ?????е?х ??г в ??? К????а ???м ?ло, а ????? ????а,
????, ???м ???е ? ????ю с ???й ????й.

Т?? ???м, ??????е ??и ?еют ?????ь ?и ??? ???ия ??х ??г, ??????и ?????
??? и ????ия ????а ?????? ???м ????ь ?ою ?????? и, ?о?????о, ?ои ??????
???и.

Р?????я ??? ????ия ??? ?н?в К????а ? ?????е в ??? ????? ??а (???к 3.2.),
??о ??????ь ????? ??ую?? ?????о ??а:

П????е ????ы ??????й ??а в ?????? с ????м ???? ?з????ия ?????. Т?? ?? ??
????ют ???????о ??и, ?????? ?и ??? ?????? ????.

Р????а ????и ??а ? ??? ??????х ?????? и ??й, ?????? ???.

Р?уля?? ?????? ??а ? ???ы ?????х ???? (?м ??, – ?м ??? ?? ???ля ????
??а). Т?? ?? ?е ???? ????ь в ??х???? ??и.

Д??????я ???? и ???в ??а, с ?м ??ы ?????ь ??а ? ?в??а ? ????? ???? ?и ?
????? ???? ??а. С э?й ??ю б?? ??? ???? ????ь ???ы и ???????я ? ?????е ?к
??о ???? ??а ????.

В????й ??? к ?????ию ????о ???а э????. П? э?м ???я в ??, ?о ?????е
???ия?я ??? ??ь, ?к ???м, ?а ?я????х ????: ??????ую ??????? ? ???,
????ю?м ????ую ??? ? ???у, и ?????й ??г, ???ю?й ????? ?с?? ?????и ? ??е.

В???е в ???? ??х ????н?в и ??г с ??ю ????ия ?е ? ?ня?х ???? ?ш.

Обя????е ??????е ???? ???? ? ????? и ?лю?? ??? с ??ю ?????и ????х ???в и
???. В ????и, ??????я ????? ???в о???х ???й, ?????? и ???в ???в ?к ????
э????? ?р ? ?????ю ????? ???.

П???? ???? ????ия ????? ?????? ? ??? ??оя??о ???ия и ??????? ????? ???.

В???е в ???? ??х ???м??в и ??г с ??ю ????ия ?е ? ?ня?х ???? ?ш.

С?????м ?? ????ия ?????и ???и – ?? ??? ???? э????о. У??ия ??????я, ??и,
? ???х ???уют ??и, э?????? ????е ??? ??т ?? р??????, ? ???е ???о ??а
??????? ??ь ??? – ????? ?????я ??????о и ??л??.

К???, ??зя ??о ????ь ????о??у ?????у ??у – ?е ??и э?го ??а ????? ??????
к ??иям К????а. Са?м ???м ??????м ???? К????а я?яю?я ????? ??? ?о э????,
????????? ??????? ??а, ???е ????х ???? ?ш. Все э? ???т о ?м, ?о ???????и
и ????? ????ия ?еют ???ю ?????ь пр???ь в ???и ?з??.

Поэ?? ??????о ??????ь ?я к?????? ??? ?????ю ????ю ????я ? ??е, ??? ??о в
???и п??????я ??х ?????? и ??г, ?о????ия ? ???ь ???? и в ???й ???и – в
???и ????ия ? ??е ?????ия.

Н?????е ?????й ????и ???о ?????е ?я ?????о ????ия, ?м ????я ????я. О??о,
?к ?е ???л?ь, ???я ??? ??а – ?????я, и ??е ???? в К????е ??? ???но. П?
э?м ??о ???ь, ?о р???е ??а ??? ????я ??? ? ??? и ?????ы ?????я ??а. И
??? в э?м ??? ??т ???? ??и? ?????а ??у ??? ??а и ??м??? ???м ???.

С??????й ?? ???я ??? з??и ???????т ????? ?? БТА ? ??? ????? ????в,
???ляю?х ??? ?о ?я????и, а ??е ????ия ?????я ? ????? ??? ??? ??г и
??????х ??????й.

Я?яя? ???, ??????ю??я ? ?с???н? ю????? и ????? ?ц, ???а э????, ???? и
??????? БТА ??т:

-???ю ?? ????;

-????ую ????у – ???ия?я с лю?й ??? ??????и – ??й ???й ??? э???? ???;

– ????? ????и ???э???ч?к? ?я?й ????;

– ????е ??и, ????? ? ???? ???????? ?????ия, ?????ия ??? и ???? ???а;

– ????, ?ею?й ?? ??? с ?р??ю э????;

– ????я, ?????е ???? ?я?.

Б?к ???н ??????ь ????е ????и ?????я ???в, ?????х для ?????о ??а ?????ия
(????, у??? в ??????х ????? ??????ия и ?я?й ??д ? ???й ??к ????).

Б??м ?????а ??ая ????я ?я????и, ????а ??????я ????в ????ия.

С???ия ??а ?к ?????е ???? э????? ?я????и ????? ?? – ??и в ??о ???х ???
???, ???яю?х ?????й ???у ???? ????? ????.

БТА ?????? ????????е ????ы Б?? с ??? ?????? ?с????? ????ы и ????? ??ы
??о??ля?? ??г, ?????е ??г к ???у, ?????е ????о ???а. О???е ???? ??я?ся
???? и ?????? ????ия Б??м.

В??е ???? ??т э????? ????? ????и Б??, ???? в ???и ?????я ???в ????я, ???
и М????г ?????о ??оя?я и ????ая ?????? Б??.

В ???и ?????ия ????? ???и ????х ???в, ????ия к ????у ????х ???в Б??, ??у
??? и ? ?????.

П?ня? ???? в ???и ?????я: ????? ???????о ????ия, ???? и ??в ??????
?????я. В? ??ж?ия Р????? ? ????й ???? Б?? ????? ? ???? ??? ? ??? ?к
???х, ?к и ?????. У??ия ????? ???? ???ляю?я ?я ???о ???а ??????о и ??м
???м, ??ы ???ь ??а ????й ??? ?? ?????й.

Р??????ся ????ая ???? Б?? с ??ю ????? ?????я ??и. А??з ????? ???? ??т
???я? у??ля? ????? ???в ? ? ???? и ???????? к ????ю ???. Б?ет, ????ся
?????ая ??????ия ???в и ??г в ?лях ?????я ?????и ???а, ??????о ??ле???ия
?????? ????, ???ия ?????й ???и.

Б?к ???н ???? ???? ??? ????? ??, ?????ию ?????й ??. Д????ь ???ы ?
??????? и р??? ??а ? ?? ???? и ???? ??ью??ую ???у, и ?р?? ? ??е ?????е
?????е.

Б?к ??? ?? ????ь ?лю? ?о?о ???а в 3-4 ??, ???????, ??? ???в и ????.

В 2006 ?? С??? Д????в “БТА” ?? ??я? ????я ???ия ??а ? 2015 ??. В ??? ???
????и ?? ??я? ???е ?????я в ???? ??????? б?? в К????е и ???? ? ????т?е
????? ??и ??з ????? ???к? ???.

О?о ? ???? ?????? ?????в ??а – ???? ????и, ???ю?яся в ????? р???? ??
?????е ? ??х ??? и ??оя?о ???я? ?и ?????? ?? ?????й ряд, ????ть
??????????е ???, ?????яя ?м ??м ?????и ??а.

О???м ????? ??????о ??а БТА я?я?ся ????ия ????о ????о ?т???а ??н ???????
??????, ???яю?х ??е ???е и в ????й ???и ??й ??? к ???? ???х ????й.

Мы ??? ??м ?с?? ??к и ?????и ????, э? ???я? ?м ???о ???и??? с ????вую??
? ??е ?р???? ?????и ?????и, а ??????й ?? ??? ???я? ??у э????о к?????? с
???? ???и. Я?яя? ???м ??о??й ???ы К????а, ? ????м ?? ?? ???ия в ????
???.

С??????я ц?ь ??а «Т??А?? – ??ь ????? ???м ??? в СНГ. Т?? ?? ???н э?е???
?????? ????о ???? ????р??е ??? К????а и ??? ??н СНГ с ??ю ????ия ???
?????я в ???х – ????? ???? ????х СНГ, в ?м ??е в Т??и, К?? и ??? ???х.

С???о ????и ???ия ? 2015 ??, ?? «Т??А?? ????т ???? ???ю?е ???и в К????е
с ???? ??й ? ??е 25%, в Р??и – ? ??е 2%, в ??? ???х ?????я – ? ??е 5%.В
??е «Т??А?? ?????ы и ???? ???? ???? ????ия ?????и ???и. В 2005 ?? А????м
? ?????у ???у ?? ???? ? ??? ???о ??ня П??? Б????? К???а II (?????????й
???). В ??е ??х ??? ? Б??юII ???ы ?????н?е ??? ?????? и ???? ??? и ????
???ы к ???е ????ия ????м ???. Б?к ??оя?о ??????? ???у ????ия ???и ? ???
???????? в ?????м ????? ?? ?????, ??е ?р??о ??????я ???в ???????о
??????я и ???ия ???ы ?????о ???ля. В ??оя?е ??я ????ля?ся ???с ????я ???
?????? ???? Egar Credit Risk, ???яю?й ???? ???я? ????м ??? ? ?? ??нях
????й ?я????и ??а.

П?????я ??? ? ??????? ???? ????, ?????ию и ??у ??????я ???в ??а, ??????и
???ы ??? ?????? и ????? ???. П????т ????????ся ??р?????я ???а ????ия
????и ???и ??а, ?лю?я ????? ????? и ???м ???, ?лю?? ???, ??? ??? ?????и.

Б?к ?????? и ????о ????т ? ????е ????. На ??ля?? ??? ????ся ???? м? ?
???у и ??? ??????х ??? и ??????ию э?????? ????.

В??м ??????ю?м ???м у????я и ???ля ?д ?????и ???и я?я?ся С?? ?????.
И??????м ???м, ???ую?м ??? С??а ?????, я?яю?я К?и?т ? ???,

К???? ???т, К??? ? ????ию ???? и ????и ??а.

Ф??????е ?я???? ? ????ию ???и ??а ????ы ? У????е ????х ??? Г???? ??а и
????? ??, ? У????е ??а? ????? ???а (????й и ??н?? ??и), ? А?????? ??р
(?? ?????и, ???? и ??????? ??и), ? В????й ??т, Ю???с?ю ??? (????н?й,
??о?й ??и), ? Б??-?? (??????й ??).

С???? ????ия ??? ??а ?????ся ? ??ую?х ????х:

• ????ия ???а и ????? ???;

• ???п ??????и и ??????и ???ы ????ия ???и;

• ???? и ???п ??????? ???? и ?????;

• ??????я и ????е ??а;

• ???п ?я????? ???ля и ??? ??? ??х ?????? и

??в ?я????и;

• ???;

• ????? ? ???.

Б?к «Т??А?? ????я ???? ??е ???е ????ы ???? ?я ????? ???ля. Б?к ????????
???у ???ля ?с? ????? ???ля и ???? ????? ????ы ??а. Ст???? ??а я?яю?я
????р ???? ????????о ??а ??? ???? и ??е???я ? ??????и ???? ????, к???
??? ???????я ???м ???? ??? ????? у??, ?????яе?х ???.

3.2 П???ы ????й ???? ??????о ??а

В ????е ?? ? н?лю?? ??ь ???е ???? ????? ???ы Р????и К????, ???????, с
??? ??м ??????ь ????? ??? ?я ???ия ??????й э????. Р?т ?????о ???а в ????
?л ????н ???? ?????и ?????ия, в ????? ?? ????ая ???а К????а п???? ?????ь
? ???х ????? ???. К?? ??, ???е ???? ?????н?о ?на????ия в ??ь ?????? ???х
??????я э???? в ????? ???? ??и ? ???? ?????но ????ь, ?о ???о к ????
????? в ?????? ???е и ???иях с ??????ю, 2007 ?д ?? ?????м сю??з? ?я
от?????й ????? с???. М?о ?о ?г ??????, ?о в ???м ?? ????? ??? ????ся с
??е ?????й ?у ????й. Н???? и ????ся ???? ???а ???и sub-prime в США, ?? о
?? ??ь в ??? ?? ??м 2007 ??, ?о ??????ь? ???о к ???у ????ю ??ю??? ???х
????? ???. В ????? ?з????? ??и ???? ?з ??ь ????го ?я ?х ???? и ????о ??а
?????о ??????ия.

М??? ??? ?????и ??? ???ния в ????й ????, ????? ??????? ?н??. В 2007 ?? в
????? ????? ???х ??????й и ??а ??????х ???, ????й ???? ??? ??с ???? ?
32%. О??о ?????е ???а к ????? ????? ??????ия и ??????ь ????а?я ????ю?х
??? ???? ??и ?????? ?ою ????ю ???? . Е?????, ч? ??? ????? ? ?????
?????я?? ???и ???? ???ся ??? ??????а, ? ?лю ???? ?????ь ??ст??ая ?ля
????? ???ля ????? ??????х ???.

П???ы с ????????м ????о ? ???е ???????? ? ????е ? ?????о ?????ия ??????
???, с??р ???? с ??????ю, ???? МСБ, ???й ???. М??? э?х ????? ???л
П?????? РК ???? ? ?д??? ??????о ???а и ????в МСБ 4 ??. ????. К?? ???о
????ия ?????ия, ??????ь ???я ???х ??ов ?з ???????ия, ???а к ??у ??? ?
?ос???ю ?лю? ??? ???, ?-? ?? ? ??ю?? в ??е июля – ???е 2007 ?? ?????
???а ? ????ю к ??е ? 122-123 ??е ? ??? ? 126. Н??? в ???? ???х ?? ???а
???? 140 ??е, ?о ?? ???ц???о ????ими ????ия? ????я, ???е в ???? ?ря?е
??? с??? ???ы. Э?т ???с ?л ????? ????я ???иям Н?????? Б?? РК, ???? ????
????ь ?????? ??м ??х ????лю?? ???? ?я ?????? ???? ? в?ю?? ??е.

В ??м 2007 ?д ??? ?д ??? ???? ? ????ь ??????х ??? ???о ??ня (БВУ). О???о
тя??м ??о 2-? ????е – ??а ?? ???в ???? ??е 5% ? ????ю с ????м в ???
????и ? 26%.

В ???е-??я?е 2007 ?? ?????и ?е ??и К????а ?????ь с ??к? ???в ? ?????
???ы и ????ы ря? ??? ?? ????ы ????? ? ??я ?? ????, ??ы ????? ??и. Т? ?
??е, к ??у ?? ???ия в ??м ? ???е б??-??е ????????ь и ? ?е ??ю?? ???
????? ???в, ???, ??м ?о?? ???в ????? ?ц ? ??ц ?? ?к и ? ??? ??ня ???
???а.

П??????ь, ?о в 2007 ?? ??????е ??и ??сят ?? ?я????? ??д ?????? ?????и ?
??у $6 ??.С???о ??м ??? ???, ??? ? ???й ??????и ???я ????? ? ??? $46 ??.
Э? ???????т о ?м, ?о в ??м ??????е ??и ??? ?? ???????ь ???ы ? ??м
?яз?е???м. Н???я ? ??я??ую ???ию ? ??????м ??е, в 2007 ?? ??????е ??и
??? ????? ??????й ? $1 ??. и ????и в ?? ?н?????? ???? ? ???й ?? $2.9 ??.
Д??????е ???? ?? ???? ? сч? ?я?х ????? ?????х ???в в ??????х ???.

Н???е ?????? ???? ??оят в ??ую?м:

– ?????? ????я ???? ?????? ???? ?н?в;

– ??? ???? ?с ?????? ??т?а ??а в ?о ???х, ?о ?????о ?????т ??????ь ?????
? ????;

– ?????? ??????х ????, ??н??аю?е ?????и ?????? ????;

– ??ая ?ля ????в в ????;

– ???я ?ля ???? ? ??? ???ия?й в ????;

– ?????? ????ы ???в и ????;

– ??ая ???? ?????и ???в.

В ???? ??????? ???а в к???? ???? ???т ????, ?о ??п??? ??е ???и ???в
?????и ???о ?я ?????я ????х ???м и, ч? ???е ???? с ?????ью ???? ? ?е
??и, ?о ?????о ???и??ь ???ы в ??м. Д??????? ?ю?ми я???: ????? и ?????
??и б??? ????? ????? в ??????ях ? ??????х ???, ???????? в ???? ????,
????й ???? ?ч????? ?????а и ???а ???й ??ы и ?????? ? ????и э?????? ???а.

О???о, в 2008 и 2009 ??х ???? и ????????ь ?????о ???? ??а NPL ??о ????т,
?о ??я?о ??т ????и??ся ???м ??????? ???? ?я ря? ????????? ?????.

П?и ????????я ????й ???? ??????о ??а.

??я?е ??? ??? ??? ??е их ?????о ???а

??????? ???, ???е ? ???и ?? в ?????ь ? ??? ?и ????? ???х ????;

????? ???? ??? ? ????ю ???? ???а, ????ы ???в и ?с??в и ????ию ????? в
???? ????;

??я?е ???я о ??? ???а ? ??? ? ??? ??? ???, ? и р??? ???х ???? ???в и
??????й ?????? ????, а ??е ?????о ???а ???? ???ы ??????о ???а;

??????ию ????? ???ля ? ?з?? ????, ???ям и ??м ?я????и ????в в ?лях
????ия ???;

??????? ????и ?????ь ?? ???м ??рям ?-? ???я?? ???. П????е ??? ??? ????ь
??ю ??у ??а;

?????? К???? ????м ???? ????х ?с?в и ??????е ???ля ? ??;

????е ??? ??????? ??и??о ????.

ЗАКЛЮЧЕНИЕ

З???я ????ю ???, ????? и ??? ???? ?? «К???ая ???? к?????? ??а (? ???е
“БТА”) ??о ???ь ??ую?е ???:

1. Мы ?????и ??????е ??? ????й ???? ??????о ??а, ???и ??? ????? ?я????и
??????о ??а, а ??е в ????и ??? ??и??о ????? ??а, ????я ??????й ?? ???а
?????я ? ????????ю ????й ???? ??????о ??а.

С???о ???ию ???? ????й в РК ????я ???? ???? ??? ??о в ?я????и ??????о
??а. Д??я ?? ????а и ?????? ????.

2. О???м ?????ия я?я?ся АО «Б?к Т??А??

«Б?к Т??А?? ?? ? ???х ??? К?а???, ???о ???ю?й с 1925 ??. «Б?к Т??А??
я?я?ся ??????м ???, ??е??яю?м ?е ???? ?? ????? ????, ??????? ? ??е ?????
??г, ?лю?я ?????? ???х и ??????х ????, ??????? ????? ?з?с, ???? ???????
и ????? ?т??и. Б?к ??? в ??о ??х ???? ????? ???? К????а.

3. К???ая ???? ??????о ??а ????ля? ??й ???у ???о-????х ???ия?й, ?????
??? ?я ?с???я ?????? ????? ?????в и я?я?ся ??м ? э???? ????? ????.

Ц?ь ????й ???? ????? ????? в ????й ?я????и Б??, ????ы, ????ы и ????
????ия ????и и ???и Б??, а ??е ?я??о?и и ????ия ?? ???? и ??????й, ?ня?х
в ???? э????ы, ?????а ???? и ???.

4. С???о ?????? ?????о ???а “БТА” ??о ???ь ??ую?е ???:

а) С????? ???? в 2005?? ????и 64??.710?н.291?с.?.

П? ???? ?? 8,18%, в 2006 ?? ??а ?????й ????а 120??.132?н.981?с.??е, ?и
???? ?? 7,1%, в 2007 ?? 308??.801?н.730?с.?. ?и ???? ??12,3% . Ф?????
?а??ая ??? ????? с 2007 ??м ??лю?? о????е ? ????ю к 2005 ?? ???ля?
244??.91?н.439?с.??е,? ????ю к 2006 ?? 188??.668?н.749?с.?. ?? ??а
??????? к 2005 ?? 377%, в 2006 ?? 157%.

б) С???о ????? ????лям ??о ????? ???? ????н?о ???ла ???й ????м ?я ????я
?я????в ????х ????. Из ???а ???а н????й ???? ?с ???ля? Обя????? ?
??????я в 2005 ?? ??а ????а 819??.343?н.509?с.? ?и ???? ?? 91%, в 2006
?? 1?л.569??.959?н.456?с.? ?и ???? в?е 92,7%. В 2007 ?? 2?л
198??.308?н372?с.?, ?и ???? ?? 87,5 %.

в) П? ??е ??а ? ????ю к 2005 ??168%, в 2006 ?? 40%.

Из ??? ?????й ??????ся ????? ????й ?? ????с?? ??а ?о ???????т ? ????
?я????и ??а ? ??е ????? ??г.

г) Л???? ??? в 2005 ?? ????и 50??.333?н.549?с.??е,?и ???? ?? 5,6 %,в
2006 ?? ??а ?????й ????а 158??.419?н.848?с.?, ?и ???? ?? 9,3%.В 2007 ??
148??.22?н313?с.?,?и ???? ?? 5,9 %

д) Из ??? ???а ,???ую ?лю ???в ??а ????и ???? ????. В 2005 ?? ??а
????а397??.439?н.270?с.?

П? ???? ?? 44,5%, в 2006 ?? 1?л.372??.998?н.869?с.??е,?и ???? ?? 81,1%

В 2007?? 2 ??.160??.510м?.866?с.?.

П? ???? ?? 86,1%. П? ??е ??а ? ????ю к 2005?? 443%,в 2006?? 57,3%.

У???? ????й ????, ???яя ?????ю ????у ???а, ????а ??о?ая ????я ?? ??а.

7. К???о ????? ???ля ??а ?с?я?о ????ся ? ?? ?????о ???а к ??? ????в. Из
?? в ?д ??ю??ся п????? ?? ????? ??, и ???????, ????? ?? ??? ???? ???ля.
Р??т и ?ля ???? в ????е ???в ??а. В 2006 ?? ??????й ??м ???? ???ля АО
«Б?к Т??А?? ????248 ??.265?н.767?с.?, ?о ???ляет 214,7% ? ???? ???ля , в
2005 ?? 115??.601?н.195?с.?, а в 2007 ?? в ?к???? ????и ? ????
595??.510?н.848?с.?

Ф??????е ????х ???? э???? я?я?ся ???? ??м ?я????и Б??.

8. В ????х ???иях Б?? ??? ?????? ?????? ???ия?и, ???х ???? э???? РК:
????? и ??????, э????и, ??????, ????, ??с?? ?зя??а, ???й ???????.

А??з ???а ???? ???ля ????? ?о ?????? ????е ? ????ю с ????? ????. У???й
?с ???р?? ???? в ??н? ???? ??а ????ся ????? ??? Б??м ???ее ??????? и
???? ????.

В ?????? с ??????? ???? ???ля ? ??оя?ю ? 01.01.2005 г., ??а ????, ?????х
?я к ???ию, ????о ? Б?? 5503398?с.?., ????? ????в?о ???? 55033989 ?с.?.,
т.е. 100% ????.

Н?????? ???ия ???а ? ???ия ???в ? ????й ?я????и ???? ???ь ?????? ???в ?
????х ???. В??, в ???е 2006?? , с ????? ? ???ы Б??, ?? ???ы ???? ? ???
14862368 ?с. ?. П? э?м ?????ы в ?я? с ????? ??????й ??н?о ???ля.

???ы, ???? ????ю;

??????е ???ы.

С???о ????ы ?? я?о ???? ????? ????й ???ки, ??? с???о ???ля АО «Б?к
Т??А?? ???ля? ?????е ???ия ? ?? ??? ???? ? ?????? ?????? 113 ??.??е ?и
21,1 %. На ??? ???и ? ????у в?у к ??й ??ы ???? ???ля я?яю?я ????? ??, в
?????м ????и э? 82,4 ??. ??е ?и 15,3 %, ? ?? ???е ???? ??я?ся ????ия
????? ?? и ???я ????я. Т??е ??о ???ют ??????? ??а?и в ??а, ???х ???ля?
74,7 ??.??е в ????? ????и 13,9%. На ????м ??е ? ???м ???? ???? ????ля?
???я ???ля в ?????м ??ж?? э? 73,0 ??. ??е ?и 13,6 % ??? ???о ???я ?????
????и.

О???? ? ???и э???? ? ?е??ют 6%, ?сю? ??о ???ь ??д, ?о Б?к Т??А?м ??? ???
? ???ы ??????е ?????? ???ия?, ? ?? ?????? ????м ????? , ?м ?м? ??????уя
???у ???? ???ля.

СПИСОК ЛИТЕРАТУРЫ

1. З?? Ре???? К???? ? 31 ???а 1995 г. «О б??х и ????? ?я????и в РК»;

2. З?? Р????и К???? ? 29 июня 1998 г. «О ???? и ????х ???;

3. З?? Р????и К???? ? 5 ??а 1997 г. «О ??е ??? ???;

4. З?? Р????и К???? ? 28 ??ля 1997 г. «О ????ом ????и в РК»;

5. З?? Р????и К???? ? 24 ???я 1996 г. «ОГ ?лю?? ???????;

6. П?????? П?????? РК ? 21 ???а 2000 г. № 1290 «О ????и ??????о ??????ия
????о с?????? и ???ия ???ы ????го ?????ия»;

7. П?????? П?????? РК ? 18 ???а 2000 г. № 1277 «О ??х ? ??? и ??????ию
?????»;

8. З?? Р????и К???? ? 6 ???я 2001 г. № 264 «О ??с?е РК в МВФ, МБРР, МФК,
МАР, МАГИ, ЕБРР, АБРР, ИБР»;

9. П?т????е П?????? РК ? 2 июня 2002 г. № 713 «П???? ???ия Н?????й
??????й ??е? ????х ???? ? ??? ??????о?? ????»;

10. Д??и, ???, ??и: У??? / П? ?д. Чл.- ??. АНРК, ??. Г.С. К???а. – А??ы:
Э???ка, 2000г

11. Д??и, ???, ??и: О??? ???? ??? / Н???а В.М., Ю?? И.Н. Б???: И?-?
«А???,2004 г.

12. А???а О.Л, Д???? Л.А., З??о и ?лю?: ???е и ??оя?е–М; Ф??? и
?????,1999 г

13. А??? А.В. «З??? – М., М?????? ????я,1998г.

14. Б????е ??, ???к ?д. Р?. С?????а Г.С., А??ы, «К??-К???», 2000г.

15. Б????е ??, ???к ?д. ?д. В.И К?????, Л.П. К????й. – М; Ф??? и
?????,2001г.

16. Б????е ??, ???к ?д. ?д. О.И. Л????- М., Б?к и ???? ??? – ???????й
??р,2002г.

17. Б????е ??. У???. 4-е ???е. П? .?д. К?????

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