mirМИР (Модернизация. Инновации. Развитие)MIR (Modernization. Innovation. Research)2079-46652411-796XSchool of Public Administrationmir-160Research ArticleМОДЕРНИЗАЦИЯMODERNIZATIONПРОФЕССИОНАЛЬНОЕ МОТИВИРОВАННОЕ СУЖДЕНИЕ В БАНКОВСКОМ ПРАВЕPROFESSIONALLY MOTIVATED OPINION IN THE BANKING LAWФроловаЕ. Е.FrolovaE. E.

Заслуженный юрист РФ, почетный работник высшего профессионального образования РФ, доктор юридических наук, профессор кафедры банковского права и финансово-правовых дисциплин

Frolova E. E. – Honorary Lecturer of the Russian Federation Higher Education, Honorific Lawyer of the Russian Federation, Doctor of Law, Chair of Banking and Financial Law

frolevgevg@mail.ruКармадоноваЕ. В.KarmadonovaE. V.

Аспирант

inessa55@list.ruРоссийская академия народного хозяйства и государственной службы при Президенте Российской ФедерацииРоссияRussian Presidential Academy of National Economy and Public Administration, MoscowRussian FederationМосковский государственный университет им. М.В. ЛомоносоваРоссияLomonosov Moscow State UniversityRussian Federation20141209201552(18)2935Copyright © Фролова Е.Е., Кармадонова Е.В., 20152015Фролова Е.Е., Кармадонова Е.В.Frolova E.E., Karmadonova E.V.Данная работа распространяется под лицензией Creative Commons Attribution 4.0.This work is licensed under a Creative Commons Attribution 4.0 License.https://www.mir-nayka.com/jour/article/view/160

Статья посвящена всестороннему анализу понятия профессионального мотивированного суждения, применяемого регулятором (Банком России) в отношении кредитной организации. Данное понятие (категория) рассматривается в различных аспектах: как подход, используемый в международной банковской практике, как институт банковского надзора, как оценка, присваемая Банком России кредитной организации на основании анализа многочисленных финансовых параметров деятельности последней, структуры собственности, принимаемых рисков, а также объективных экономических факторов. В статье рассматриваются также основные направления банковского надзора, в которых присутствуют элементы профессионального мотивированного суждения, а также цели его вынесения.

The article is devoted to a comprehensive analysis of the concept of professionally motivated opinion applied by regulator (Bank of Russia) in respect of a credit institution. This concept (category) is seen in a variety of ways: as the approach used in international banking practice, as an institution of banking supervision, as assessment assigned by to the Bank of Russian to a credit organization, on the basis of analysis of numerous financial parameters of the latter, the ownership structure, the risks taken and the objective economic factors. The article discusses also the main directions of banking supervision, which includes elements of professionally motivated opinions as well as the goals of the latter. 

профессиональное мотивированное суждениебанковский надзорфинансовая устойчивость кредитной организацииБанк Россииобъективные экономические факторыфинансовые параметрыфинансовая отчетностьбанковские операциибанковские рискиинспектированиеprofessional opinionbanking supervisionfinancial stability of the credit institutionthe Central Bank of the Russian Federationobjective economic factorsfinancial parametersfinancial statementsbanking activitiesbanking risksbanking inspecReferencesSolodkov V. Inspectors of the new generation // Banking. 2008. № 4Solodkov V. Inspectors of the new generation // Banking. 2008. № 4Federal Law of 07.02.2002 № 86-ФЗ "On the Central Bank of the Russian Federation (Bank of Russia)"Federal Law of 07.02.2002 № 86-ФЗ "On the Central Bank of the Russian Federation (Bank of Russia)"Bank of Russia Instruction of 12.01.2003 № 108-I "On the organization of the inspection activities of the Central Bank of the Russian Federation (Bank of Russia)" (as well as "The procedure for agreeing of proposals for interregional, inspections of structural divisions of credit institutions and inspections of Sberbank of Russia", "Dispute Resolution Procedure in planning of inspections of credit institutions (or their affiliates)", "Procedure of amendments to the consolidated plan of integrated and thematic of inspections of credit institutions (or their affiliates)")Bank of Russia Instruction of 12.01.2003 № 108-I "On the organization of the inspection activities of the Central Bank of the Russian Federation (Bank of Russia)" (as well as "The procedure for agreeing of proposals for interregional, inspections of structural divisions of credit institutions and inspections of Sberbank of Russia", "Dispute Resolution Procedure in planning of inspections of credit institutions (or their affiliates)", "Procedure of amendments to the consolidated plan of integrated and thematic of inspections of credit institutions (or their affiliates)")Bank of Russia Instruction of 08.25.2003 № 105-I "On the procedure of inspections of credit institutions (their branches) authorized representatives of the Central Bank of the Russian Federation"Bank of Russia Instruction of 08.25.2003 № 105-I "On the procedure of inspections of credit institutions (their branches) authorized representatives of the Central Bank of the Russian Federation"Bank of Russia Directive of 10.29.2008 № 2107U " On assessing the financial situation of the bank to decide on the usefulness of the participation of the State Corporation "Deposit Insurance Agency" in the implementation of measures to prevent its bankruptcy"Bank of Russia Directive of 10.29.2008 № 2107U " On assessing the financial situation of the bank to decide on the usefulness of the participation of the State Corporation "Deposit Insurance Agency" in the implementation of measures to prevent its bankruptcy"Radjabova M. Current state and perspectives of the development banking regulation and supervision in Russia / / Actual problems of the humanities and natural sciences. – 2011. – № 4. – P. 107–113.Radjabova M. Current state and perspectives of the development banking regulation and supervision in Russia / / Actual problems of the humanities and natural sciences. – 2011. – № 4. – P. 107–113.Frolova E., Ermakov S., Yudenkov U. Organizational and legal bases of functioning of of the Central Bank / / Texbook, Irkutsk, BSUEL publisher. – 2010/Frolova E., Ermakov S., Yudenkov U. Organizational and legal bases of functioning of of the Central Bank / / Texbook, Irkutsk, BSUEL publisher. – 2010/

The authors declare that there are no conflicts of interest present.