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the Urgency of a theme of research.

Urgent problem of the near future within the limits of development of a financial infrastructure and system of financial intermediary in Russia is maintenance of qualitative growth of a banking system of the country.

Along with necessity of perfection of legislative base, the organisation of transition of the credit organisations on the international standards of a financial accounting, expansion of a circle of operations on financial intermediary there is a problem of carrying out of internal structural transformations of the bank organisations. The requirement for their carrying out is caused, basically, the following changes occurring now in a banking system of the Russian Federation: an exit of Bank of Russia and the Government of the Russian Federation from capitals of banks, alignment of conditions of a competition in the market of banking services by means of attraction of the foreign capital, and also development of legislative base towards simplification of procedures of merges, joinings and transformations of the credit organisations.

Modern lines of development of bank activity in the Russian Federation testify to activization of process of re-structuring at level of the credit organisations. A number of quantity indicators of activity of the banking system testifies to its favorable course in the course of realisation of bank reforms, reached to the present time. So, volume of cumulative bank assets for July, 01st, 2003

Has reached 40,3 % of gross national product, the cumulative capital of a banking system of the Russian Federation has made for the same date of gross national product of 5,9 %.

In connection with appreciable stabilisation of a banking system of the Russian Federation, participation of the state in the further procedures of re-structuring through Agency on re-structuring of the credit organisations is at present recognised to the inexpedient and contradicting basic norms fixed in the legislation on re-structuring. Thus, all powers on management of re-structuring process at level of the credit organisations are transferred to their creditors and proprietors: re-structuring of banks will be carried out at an early stage of problematical character for the account of means of proprietors and creditors... . For the credit organisations potentially getting to sphere of action of the law About re-structuring of the credit organisations №144-ФЗ, the given position means not only control preservation over the property, but also execution of responsibility for consequences of decisions accepted in the course of re-structuring, and also restriction of the sizes of a grant-in-aid from the state. Maintenance of investment appeal of the project of re-structuring becomes a priority problem for the bank organisations in this case.

The special importance is got also by definition of requirement of bank in re-structuring. In our opinion, the made definition causes necessity of the decision of following questions: a sort of problems (administrative, financial, technical), the period of their existence (time, latent, permanent), degree of influence on bank financial circumstances (influences / does not influence).

Thus, the urgency of the problems connected with transfer of function of re-structuring of banks on microlevel, has defined a choice of a theme and a direction of scientific research.

Degree of a readiness of a problem. It is necessary to note a number of the problems connected with re-structuring of a banking system in the Russian Federation.

In particular, disclosing of the maintenance of process of re-structuring of a banking system demands the further scientific research. The analysis of the approaches which have developed in the Russian economic literature, the re-structuring devoted to problems, allows us to draw a conclusion, that frequently concepts of re-structuring macro-and banking system microlevels, as a matter of fact, are identified, in this connection there is a necessity of disclosing of essence of each of concepts.

Let's notice, that at research of foreign experience of re-structuring domestic economists (Fedotova M. A, Grjaznova A.G., Astapovich A.Z.) give the greatest attention to process of re-structuring of macrolevel of a banking system. It is possible to assume, the information on re-structuring of microlevel of a banking system is less accessible and is more separated, that staticizes necessity of studying of this process.

Thus, the urgency and an insufficient readiness of a problem of re-structuring of banks at microlevel, a considerable quantity debatable and unresolved questions, their theoretical and practical importance have defined the purposes and problems of dissertational research.

The purpose of dissertational research is perfection of theoretical base of realisation of process of re-structuring and expansion of toolkit of re-structuring of banks at banking system microlevel.

For object in view achievement in the dissertation the following problems which have defined to the logician of research and structure of work are put:

To define object of re-structuring of a banking system;

To investigate theoretical bases and practice of re-structuring of the Russian banking system on purpose

Definitions of features of re-structuring of microlevel of a banking system of the Russian Federation;

To develop conceptual approaches to disclosing and an estimation of prospects of re-structuring of the Russian Federation;

To open the specific maintenance of processes of re-structuring macro-and microlevels of a banking system of the Russian Federation;

To investigate ways of perfection of process of re-structuring of microlevel of a banking system of the Russian Federation;

To define possibilities of application of business planning in the course of re-structuring of microlevel of a banking system of the Russian Federation.

Object of research is the process of re-structuring which is carried out at microlevel of a banking system of the Russian Federation.

As object of research ways of perfection of process of the re-structuring which are carried out at microlevel of a banking system of the Russian Federation act.

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A source: Chapkina Elena Gennadevna. Features of the restructuring of Russian banks at the present stage of the reform of the banking system. Thesis for the degree of candidate of economic sciences. Moscow - 2004. 2004

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