The government is thinking of creating another "special" state bank. Now the financial arena have decided to withdraw the direction of travel, so important in the run-up to Euro 2012. "The state should give money, which today have no tourist industry. Subsequently, the bank may be reaktsionirovan, added an additional subscription of shares, but above all the state must invest an initial share capital", - told reporters the Deputy Prime Minister Boris Kolesnikov. According to him, the bank may be established on the basis of one of rekkapitalizirovannyh banks. "Specialized Bank involves the creation of" a beautiful package for financial institutions recapitalized with a view to its subsequent resale to private business ", - said the" Comments "adviser to the president of the Association of Ukrainian Banks (AUB) Alex Kusch. At the same time, he said, the main problem is that the state though and helped them in time to avoid bankruptcy (provide at the time the material support and made significant cost to the authorized capital infusion data financial institutions) from stagnation to withdraw these banks are so and failed. Experts doubt that the state can not be an effective owner of the commercial structures. "Failure of quality control officials any commercial projects in the banking sector, for example, demonstrates the activity of" Oschadbanka "and" Ukreximbank ", - says Alexei Kusch. Following the recapitalization of the most important resource - time - was lost. State has not asked these banks to a particular line of work - the government program they do not connect. In the end, after more than two years of problems to recapitalize the banks have not been resolved. "The new approach would" roll out "the bank to attract customers" - would believe Alex Kusch. Boris Kolesnikov believes that the state should provide money for the development of tourism infrastructure. In particular, the bank is going to support companies engaged in the development of tourist infrastructure, construction of hotels. Experience in Antalya, Turkey, where they were sold at auctions of land on the front line near the sea for the construction of tourist facilities, and then the site owners can bring under their mortgage loans in the travel bank, according to Deputy Prime Minister, can be implemented and on the West Coast of Crimea. In other words, since the Government intends to compensate the interest on loans to companies that will build the hotel. For these purposes, according to vice-premier, in 2012 to allocate 5 billion hryvnia. The current average level of interest rates on corporate loans is around 17%. A return of infrastructure of tourism facilities (hotels, resorts) at least 7-10 years. When the scheme cheaper loans for tourism infrastructure of value, according to experts, can be reduced to 10%. The question is who would get these "soft loans". Opacity of their distribution, taking into account subjective indicators (as is the case now in the same agricultural sector) is able to reduce the positive effects of development programs specialized banks to a minimum. Not excluded the option when the loan will receive compensation only "necessary" investors who have access to land in the Crimea and other recreational areas of the country. By the way, 5 bln. to compensation of interest rates - the amount is very significant. For comparison - in the agricultural sector, agricultural enterprises to the state compensates today about 2,5-3 bln. mortgage interest rates. At the same time, representatives of major commercial banks to the idea of ??appearances of "specialization" are extremely skeptical. "Last year the Government was announced about five different projects, specialized banks, but none of them have not been brought to mind. Such projects will not pay off commercially. After all, if you look, then it is not a bank with a narrow specialization, but the "pawnshop" available for the elite. In international practice, operating only two types of specialized banks - the investment bank and Agrobank. All the rest - are not viable, "- said the" Comments "representative of a foreign banks operating in Ukraine. Elena Arkadyev Adapted from: Comments
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