mirМИР (Модернизация. Инновации. Развитие)MIR (Modernization. Innovation. Research)2079-46652411-796XSchool of Public Administrationmir-260Research ArticleИННОВАЦИИINNOVATIONПРОФЕССИОНАЛЬНОЕ МОТИВИРОВАННОЕ МНЕНИЕ: ТЕНДЕНЦИИ БУДУЩЕГО И МЕСТО В БАНКОВСКОЙ СИСТЕМЕ ПРАВА И ЗАКОНОДАТЕЛЬСТВАPROFESSIONAL MOTIVATED OPINION: FUTURE TRENDS AND PLACE IN THE BANKING SYSTEM OF LAW AND LEGISLATION (Part 3)ФроловаЕ. Е.FrolovaE. E.

Doctor of Law, Honorific Lawyer of the Russian Federation, Honorary Lecturer of the Russian Federation Higher Education, Head of Department of antimonopoly and entrepreneurial law of the Far Eastern University

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

Postgraduate, Lomonosov Moscow State University

frolevgevg@mail.ruДальневосточный федеральный университет (ДВФУ), Россия (690091, г. Владивосток, ул. Суханова, 8РоссияFar Eastern Federal University, Russian Federation 8 Sukhanova St., Vladivostok, Russia, 690950Russian FederationМосковский государственный университет им. М.В. Ломоносова, Российская ФедерацияРоссияLomonosov Moscow State University, Russian Federation 1, Leninskie Gory, 119991Russian Federation20152004201663-21825Copyright © Фролова Е.Е., Кармадонова Е.В., 20162016Фролова 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/260

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 opinion 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 inspectionReferencesBank of Russia instruction of 12.01.2003 № 108 "On the organization of the inspection activities of the Central Bank of the Russian Federation (Bank of Russia)".Bank of Russia instruction of 12.01.2003 № 108 "On the organization of the inspection activities of the Central Bank of the Russian Federation (Bank of Russia)".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".Frolova E., Ermakov S. 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The authors declare that there are no conflicts of interest present.