Liquidation of an Insolvent Bank with the Participation of an Investor: Organization, Procedures, Advantages

Анотація

The article is aimed at systematizing and identifying the features, advantages and disadvantages of various ways of withdrawing insolvent banks from the market, as well as studying the consequences of their implementation in domestic practice. Liquidation of a bank with reimbursement of all funds on deposits of individuals by the Deposit Guarantee Fund (DGF) is simple and affordable, but the most expensive and inefficient way. It is noted that at present the Fund has liquidated more than 50 banks, now the process of liquidation of 48 more banks is continuing. The most promising are two methods that are implemented with the participation of the investor through the tender procedure. This is the creation of a transitional bank with the subsequent selling to the investor and the selling of the bank as an integral unit to the investor. The implementation of these methods involves the search for an investor and the receipt of investment resources, which always appears positive. Therefore, the article describes in detail the specifics of these restorative, or sanitation, methods of withdrawal of an insolvent bank, analyzes their advantages and weaknesses. Organizational procedures for the application of these methods of withdrawal of insolvent banks from the market are generalized and structured. It was emphasized that in the process of withdrawing an insolvent bank from the market due to the selling, the financial burden on the DGF is decreasing. The Fund does not reimburse the funds of individual depositors, since all obligations under guaranteed deposits are transferred to either the transitional bank or the new owner of the bank in full. It is substantiated that these methods require modernization, updating and a closer definition of the relevant organizational and procedural components. This will increase the efficiency of approaches for further use, and most importantly, for preventing the eventual adverse consequences.

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