The most important feature of almost all the banking crises of the past decades has been a violation of the normal flow of payments, credit, crisis of confidence on the interbank and deposit the crisis. The most dangerous part of the banking crisis – the destruction of national and international calculations when it comes to cash flow in the real sector. In second place is worth the danger of sharp reduction in lending to the national economy. " Certainly, the financial world to draw definite conclusions. It is very important that Russia's banking system took into account all the errors. Necessary to eliminate the universal banking activities, risky investments many of them, and then as a consequence of failure to meet their payment and credit functions, often undermines the credibility of the entire banking system of Russia.
Should go to the modern specialized three-tier scheme krizisoustoychivoy Banking (calculated LSB-banks, which working with the payments, credit and deposit banks, non-payment functions, investment banks operating in securities). In addition, it is important to credit and deposit activities of banks to build it so that it was limited to only those subjects of the federation, in which banks are located. The sad experience of the crisis has shown that inter-regional bank can at any time withdraw funds from troubled regions in the more prosperous regions, such as from the provinces to Moscow, which actually happened during the crisis, exacerbating the difficult financial situation in Russian regions. This is one reason that almost Many Russian companies have had in 2008-2009-m's serious problems with credit. If you do not do all the above, if new crises with more serious consequences are inevitable. And last, in the financial world nothing have to reinvent all the complex financial situation has long been analyzed and considered the best minds of humanity. The trouble is that at top positions in financial institutions in different countries are coming or not competent in complex financial matters, officers or, worse, the financiers over the infected greed (which spawned the current crisis). The famous financier Peter Bernstein in his works actually predicted the current crisis, described in detail the dangerous changes in the investment world, the mismatch of risk and volatility, but apparently was not heard of the mighty. Yuri Chashin 09/20/2009