Is it realistic lending for Ukraine? - News about real estate, Kiev, Kyiv region. Real Estate In Ukraine

Is it realistic lending for Ukraine? - News about real estate, Kiev, Kyiv region. Real Estate In UkraineThe situation in the financial and banking system resembles the calm before the storm. And the storm may break out at any moment and bring with them not only the negative results...When the Ukrainian banks start lending?The situation in the financial and banking system resembles the calm before the storm. And the storm may break out at any moment and bring with them not only negative results. What can take out of the coma the lending process. Earlier in the week in Ukraine an appeal was made to minimise the number of insolvent banks that are pulling you into the depths of the financial ship.This opinion was expressed by the former Deputy head of the National Bank of Ukraine Oleksandr Savchenko. According to him, Ukraine is approaching a critical mass that can trigger irreversible systemic crisis in society. "Bad banks must either restructure or be liquidated, and the rest to buy insurance by the government under the interbank transactions within government-set limits - said Savchenko. - Otherwise, the decline in the growth rate of the economy could be catastrophic".Ex-official NBU has the alarm, saying that Ukraine will fall into a coma, if in a few months to recover loans. The fall in GDP in the current environment may exceed 20%. More optimistic forecasts for the future Director of a Financial company Factor George Kononov. "The fall in GDP in 2009 may reach 10-12%," he says. But the main reason is not the cessation of lending and the care economy in the shadow. According to forecasts, the Director of "Kreditsvit" Love Slobodenyuk, GDP will fall by only 8-10%.The number of banks that are actually on the verge of bankruptcy, is not more than 5% of the entire banking system of UkraineAnd yet in need of care "problem" banks with Mr. Savchenko agree some representatives of financial and banking system. According to the Director of company "Kreditsvit" Love Slobodenyuk, today, more than 90% of banks are faced with liquidity problems.Changes in the structure of Ukrainian banking sector: the banks ' merger, nationalization with the subsequent sale, bankruptcy/liquidation, will be appropriate and correct, the expert believes. About merger and acquisition as a saving option for "problem" banks, says the Deputy Chairman of BG Bank Sergey Telegin. "Attaching the invalid to a valid Bank, you can protect against loss to depositors and customers of the Bank and to preserve jobs in finsecure," he said.At the same time, some experts believe the closure of banks impractical. "The number of banks that are actually on the verge of bankruptcy, is not more than 5% of all banking system of Ukraine", - says the Director of a Financial company Factor George Kononov.Financial system, tired of the frozen condition, needs movement. Because of this, and fall, and rise not let the bankers, the economy will be equally happy.Moved the banking system of Ukraine from a dead stop any introduction of a temporary administration or billionth support. On the face of the strategic mistakes of the main financial institutions of Ukraine.It's obvious that the national Bank of Ukraine was faced with a similar problem for the first time and don't really want to mess with it. "The government should help the money of their taxpayers not all banks and, in the first place - state (there are only two), the second - largest system, on which the livelihoods of entire industrial sectors and, if anything after this will - commercial banks, says finansowy analyst, "InterCredit" Constantine Kirichuk.Temporary administration to the Bank akin to antibiotics, which can already support certain functions, but does not cure the body from the inside. Banks with temporary administration receive additional respite from the fulfillment of obligations to depositors - and this is in addition to already frozen the accounts of money at their disposal. As for investors, with the introduction of temporary administration they almost lose hope in the foreseeable future to get a Deposit or guaranteed compensation (up to 100 thousand hryvnias on one Deposit).A temporary respiteFirst, the economic crisis in Ukraine is not bankrupt, no Bank, while temporary administration introduced in a dozen financial institutions. It is obvious that the Ukrainian banking system needed a boost.To restore the interbank market due to the government guarantees, which amount shall not be less than five billion hryvniaOne of the possible options for the recovery of lending to borrowers considered to be the resumption of interbank lending. "To restore the interbank market due to the government guarantees, which amount shall not be less than five billion hryvnia," says the former Deputy head of the National Bank Oleksandr Savchenko. - The limits of guarantees for each Bank can be set on the basis of the results of the completed mandatory diagnostic audit for the largest commercial banks, voluntary for all other banks.".



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