THEORY AND PRACTICE OF THE USE OF THE SUBORDINATED LOANS IN THE BANK ACTIVITY

Recently the authorities of the bank regulation of different countries give special attention to the problem of increasing the own capital of commercial banks. Russia, where the Government pays special attention to the resolution of the issue of increasing capitalization of the Russian banks, is not an exception. In connection with the increasing of the requirements to the size of the own capital of the banks, its quality and sufficiency for covering the risks, the Russian banks will inevitably encounter the issue of searching for new sources of capitalization increasing. The article is devoted to the investigation of the possibilities of the use of subordinated credits for resolution of the issue of the own bank capital increasing. The proposals regarding reforming the approaches to regulating the amount and the quality of subordinated loans have been made on the basis of generalization of the view points on the functionality of the subordinated credits.

bank, capital, subordinated loan, profit capitalization, promissory notes, bankruptcy, assets, bank market discipline, reliability of bank, financial crisis