Tip 1: What is bank sanitation?

Finance

Tip 1: What is bank sanitation?

Financial instability of the Russian economyputs at stake not only the savings of the population, but sometimes threatens the stability of banks. Caring about the fact that the banks, and with them and the contributions of Russians do not sink into oblivion, the state conducts the procedure of sanitation.

Sanitation is not a sentence!

In Latin, the term "sanitation" means"Recovery". Sanitation is a complex of financial mechanisms designed to prevent the bankruptcy of a financial institution. The main one is direct lending to troubled banks to preserve their solvency.

The loan is issued by the Deposit Insurance Agency,which can either attract a third-party investor, or repay a loan from its own funds. Moreover, as a third-party lender, another bank most often acts. The investor is called a sanatorium and oversees all the economic activities of the sanitized bank during the recovery process.

Under the supervision of the sanatorium in the bankstructural changes - the deposit and credit policy is revised, costs are optimized and ways out of the crisis financial situation are created. Often, the sanitized bank adopts the line of banking products of the sanatorium.

Work with depositors

In the process of reorganization, the bank continues its work,pays interest on open deposits and opens new ones, most often on new terms. For the client, problems with the bank can begin when closing a major deposit. Applications for the closure of large deposits in the process of sanitation pass through an agreement with the sanatorium. This is done in order to prevent fictitious transactions. To do this, it will be required to submit a full package of documents, indicating the conscientious placement of the deposit: an agreement for opening a deposit account, an account statement on accruals, an account holder's passport. The more the amount of the deposit is closed, the longer, as a rule, the sanator checks the conscientiousness of the depositor.

Deadlines and settlement plans with depositors sanitized bank places on the fact of the introduction of sanation.

Clients of rehabilitated banks

Undoubtedly, in itself sanation testifiesabout the financial instability of the banking structure. However, as a rule, those organizations that are subject to sanitation remain afloat. As, for example, it was with the Bank of Moscow.

It is important to remember that under sanitation fall, infirst of all, socially significant banks, whose activities are strategically important for the state. To worsen the results of sanitation can spontaneous wave reviews of deposits of private customers, who, worrying about their savings, seek to transfer them to reliable banks.

Tip 2: How to assess the state of the bank

Banking services are used by many Russians,but not all of them think about the fact that before the conclusion of a deposit or loan agreement, it is always necessary to assess the financial status of an attracted credit institution.

The events of recent years clearlydemonstrated that not all banks have the necessary margin of sustainability and conduct their activities in accordance with the requirements of regulatory and legislative acts of Russia. That is why the cases of bankruptcy of credit institutions and the revocation of their licenses to carry out operations have become more frequent. Today, the issue of the stability of a bank worries many customers. Not everyone knows how to correctly assess the state of the bank, but there are a number of techniques that allow you to determine with a high probability whether the credit organization you are interested in is reliable.

Ratings and Rankings

This tool for assessing the bank's sustainabilityavailable to all customers. Different ratings can be found on specialized banking portals, for example, Banki.ru and Bankir.ru. Credit organizations that occupy the first lines of the list usually show good financial performance: all of them are profitable, and their assets grow at a rapid pace. Of course, there are no rules without exception: the Bank of Moscow, which always held leading positions in the ratings, had serious financial problems in the past. However, the state, considering it one of the backbone, decided to save the sinking bank. Clients of the Bank of Moscow did not lose money, and the credit organization after the readjustment could continue its activities. Therefore, we can hope that if the bank, which is part of the TOP-20 in terms of assets, has problems, the state will try to save it by transferring to trust management of any state corporation. Banks that are not part of the first hundred, are unlikely to be honored with such a fate.

Financial indicators

"Advanced" customers will be interestedanalyze the structure and quality of the bank's assets and liabilities. If most of the liabilities are deposits of individuals (accounts 423) - this is a sign of its instability. Probably, companies do not trust such a credit organization, and citizens can at any time withdraw deposits from it. In a stable bank, a large part of the loan portfolio falls on long-term loans of individuals and legal entities with a long maturity, and the predominance of "short" consumer loans in the balance sheet is always regarded as an alarming sign. The bank's liquidity, capital adequacy, , profitability and performance. Information about them can be found in the reporting on Forms 101, 102, 135, which each bank is required to place on both the official website of the Bank of Russia and its own Internet portal.

Setting Data

You can assess the state of the bank by focusing onthe composition of its owners and the frequency of their replacement. If there are large state corporations or large private companies among the bank's shareholders, it will be quite stable. The predominance of individuals among shareholders, especially if none of them have a controlling stake, is often an occasion to reflect on the reliability of the credit institution.

Tip 3: Stomatitis: how to cope with the disease folk methods?

Stomatitis is usually called inflammatorya disease of the soft tissues of the oral cavity, which may be accompanied by an increase in temperature and the appearance of painful sores in the mouth. To disinfect the oral cavity and eliminate inflammation, you can use traditional medicine.

For the treatment of stomatitis recentlyvarious medicinal herbs are used. Excellent antiseptic properties have muscatine sage. He quickly copes with the pain syndrome in case of oral disease. From sage, you can make a special solution for rinsing. Just chop the fresh or dried leaves and pour 1 tbsp. l. leaves with a glass of boiling water. Then wait half an hour, strain and use for sanation. Also an effective cure for the disinfectant is celandine infusion. It is prepared in a similar way and has a very bitter taste. You can prepare a useful infusion from the bark of oak. For this, pour 70 g of raw material with boiling water. Insist the agent should be about 50 minutes in a thermos bottle. It perfectly copes with ulcers during stomatitis.

For the destruction of bactericidal microflora in the mouth, rinse infusions and chamomile are prepared.

Marigold nails contain activesubstances that help fight inflammatory processes in the mouth. To prepare an aqueous solution of marigold, pour 20 g of dried flowers with a glass of boiling water. You can also use alcohol tincture. Take a 1.5-liter jar and fill with calendula flowers, and then pour a sufficient amount of vodka. Insist in a cool place for two days. Before processing the oral cavity, this tincture must be diluted with a small amount of warm water. It is desirable to prepare such medicinal herbs immediately before use for more effective treatment. Often, stomatitis uses ancient methods of rinsing the mouth with "gold and" silver "water. To get a "gilded" water, you need to take a gold decoration without stones, put in a container and pour 2 liters of water. Preheat the water on a fire until its volume is reduced by half. As a result, you will get a potent biologically active substance. To make "silver" water, dip a piece of silver jewelry into the china and insist for two days. You will receive water enriched with silver ions.

Silver water should be rinsed with stomatitis affected mouth cavity for about 5 days.

Honey contains a large number of minerals andantibacterial substances that help with stomatitis. For treatment, it can be mixed with infusion of marsh swine. Usually a glass of infusion is added 1 tbsp. l. honey. The resulting solution can be washed with the mouth cavity. You can also prepare a very effective propolis ointment. Melt 100 g of butter in a saucepan over low heat. Put 20 g of ground propolis there and heat the mixture in a water bath for 15 minutes. Remove from heat and filter out the obtained ointment. Lubricate the affected areas immediately after it has cooled. Not less useful in the treatment of stomatitis are various oils based on herbs. With small ulcers, the oil of St. John's wort is excellent. To make it, chop the flowers of St. John's wort with hands, and then put them in a liter jar and fill with sunflower oil. Cover the neck with gauze and expose it to the sun. The agent should be left in this condition for 10 days. But every day it is desirable to shake the jar. After the specified period, the resulting oil must be filtered and put the flowers under the press. Keep it in a cool place. A similar method can be prepared chamomile and calendula oil. For treatment, it is enough to moisten a cotton swab in it and wipe the sore spot.