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??:
К??????:
? П??????ь
??С???е ?зя??о
??С??????
? Т????
? Свя?
? Т???я
? П??е
Д?????е
? П??????ь
? С???е ?зя??о
? С??????
? Т????
? Свя?
? Т???я
? П??е
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
356,476
1 457,606
165,462
106,756
215,365
26,034
2,436
539,262
402,291
5 800,763
539,664
155,406
1 030,818
109,081
33,811
1 008,753
2 923,230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Р???1-К?????? ???ы БВУ ? ???ям э???? ? 2004-2007 ?.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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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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?????
Нашли опечатку? Выделите и нажмите CTRL+Enter
