Author: Yuriy Blaschuk, defender's head for the sake of AUB, a member of Ukrayinsky credit union bankіvskogo For bankіvskih established zavzhdi viznachalnim parameter LUVs i zalishaєtsya rіven kapіtalu. Vіn absolutely neobhіdny for zdіysnennya bankіvskoї dіyalnostі. Ale in tsіy stattі proponuєtsya obgovoriti іnshy form kapіtalu - sotsіalny. Іnshimi words mova yde about samoregulyuyuchі bankіvskі ob'єdnannya, in fact chislі - bankіvskі asotsіatsії kraїni. Tsey ruh pochavsya in Ukraїnі have zv'yazku is processes of stvorennya komertsіynih bankіv that ekonomіchnoї i polіtichnoї іdentifіkatsії Ukraine. Persha lastіvkoyu bula Asotsіatsіya Ukrainian News bankіv. Її stvorennya in 1990 rotsі Bulo natural y ruslі stvorennya komertsіynih bankіv. Sogodnі in asotsіatsіyu included 117 bankіv, sіm regіonalnih bankіvskih soyuzіv, p'yat іnshih established. Її robot was novim i tsіkavim etapom vіdnosinah is a sovereign regulator. Dіyalnіst asotsіatsії privertala uvagu not tіlki bankіvskoї spіlnoti, and R bula garni butt for stvorennya іnshih galuzevih asotsіatsіy. Robot in kerіvnih bodies asotsіatsії bula duzhe pochesnoyu i privablyuvala The Best kerіvnikіv bankіv. Pam'yatayu, yak, I gotuvavsya to vistupu on z'їzdі AUB 1999 roku. Tse Bulo hvilyuyuche i zapam'yatalosya nazavzhdi. In Tsey perіod chіtko dotrimuvalisya principles dіyalnostі: regulyarnіst zvіtno-vibornih zborіv, rotatsіya kerіvnih organіv, efektivnіst lobіyuvannya. All vіdbuvalosya on fonі entuzіazmu stvorennya nezalezhnoї power. However, is the hour, the zv'yazku is ravaged deyakih basic printsipіv dіyalnostі SRO efektivnіst dіyalnostі AUB broach znizhuvatisya. In pochatkovy perіod derzhavotvorennya regіoni vіdchuli efektivnіst samoorganіzatsії. Broach stvoryuvatisya regіonalnі Union yakі, yak usually consisted of up to a warehouse zagalnonatsіonalnih asotsіatsіy. So before Pevnyi hour zalishavsya i Kiїvsky bankіvsky Union. Pershі ten rokіv Yogo aktivnіst bula not nadto temple in zv'yazku is low causes. Cons kіntsі 1990 rokіv CBS LUVs vivedeny іz splyachogo camp. Aktivnіst kerіvnitstva i polіtichnі ambіtsії okremih chlenіv allowed shvidko zrobiti regіonalny Kiїvsky bankіvsky Union zagalnonatsіonalnoyu asotsіatsієyu set by a new titles - Ukrayinsky bankіvsky credit union. Ninі to nogo included 86 bankіv, 1 auditorska kompanіya, an insurance kompanіya, 4 INSHI place. Pochavsya tsіkavy etap konkurentsії dvoh naybіlshih asotsіatsіy, yaky i gave a positive, negative i dosvіd. Vazhlivimi є pozitivnі moment. Bіlsh active navіt Aggressive robot odnієї organіzatsії zmushuvala Booty aktivnіshoyu іnshu. Z'yavilasya alternative. Banks broach zamislyuvatisya i Robit svіdomy vibіr who splachuvati vneski. Zapratsyuvav efektivny rinkovy mehanіzm. However іsnuє th іnsha side medalі. Vlad whether yakіy kraїnі, de dumb ustalenih traditsіy demokratії, yak generally not zatsіkavlena Especially in rozvitku samoregulyuyuchih organіzatsіy. Navіscho dіlitisya kimos with Vlad? Did not vinyatkom i Ukraina. In words vsі pіdtrimuvali i bulls do not contradict SRO. Raz is a note from kerіvnikіv Sovereign organіv, predstavnikіv old Appliances, often domіnuє nehtuvannya special person freedoms. At a time, is Pliny hour nas bogato moїh Board of the pomіtilo, scho Vlad spriyala one unit stvorennyu local konflіktіv. Dvі asotsіatsії іnkoli klasichno zіshtovhuvalisya, i in rezultatі, stink dіyali rozrіzneno. Kerіvnitstvo asotsіatsіy in borotbі for membership bankіv іnkoli zabuvali for chogo stink Vlasna, stvorenі. Taka situatsіya allows the regulator provoditi vazhlivі strategіchnі regulyativnі document without konsultatsіy is bankіvskoyu spіlnotoyu. The result - padіnnya dovіri to Vladi is a side bankіvskogo spіvtovaristva i suspіlstva in tsіlomu. Yak show their fіlosofi that іstoriki, Pervin rozpodіl pratsі wings minds to vіchnogo konflіktu. The results of the mi bachimo in Suchasna rozpodіlі pratsі. However povernіmosya to suchasnoї Ukraine. On the cob 2000 x rokіv grupa bankіrіv for pіdtrimki mіzhnarodnih organіzatsіy Away Ukraїnsku natsіonalnu іpotechnu asotsіatsіyu - UNІA. Ninі won ob'єdnuє 19 bankіv, 2 yuridichnі fіrmi, 1 auditorsku kompanіyu, 2 derzhavnі place. Asotsіatsіya bula poklikana take part in the stvorennі іpotechnogo Zakonodavstvo that zabezpechiti lobіyuvannya іnteresіv uchasnikіv іpotechnogo kredituvannya rink. At Miy look, chain LUVs Real stock spetsіalіzovanoї asotsіatsії. Won bula active of participants stvorennya Suchasna Zakonodavstvo in tsarinі zhitlovoї іpoteki. Bulo zabezpecheno rozrobku nepoganoї analіtichno-statistichnoї bases. Spodіvayusya, scho role i values ??tsієї organіzatsії slit not rozkrita. Vona bude pіdvischuvatisya once is vіdrodzhennyam іpotechnogo kredituvannya in kraїnі. Stvorennya in 2009 rotsі Forum provіdnih mіzhnarodnih fіnansovih іnstitutіv, yaky ob'єdnav 17 bankіv became reaktsієyu on neviraznu dіyalnіst dіyuchih asotsіatsіy pіd hour crisis. At once fashionable topic ekspluatuvati "іnozemnih bankіv. Movlyav, Same stink є cause our ekonomіchnih negarazdіv. However kraїnah de boule, napriklad, єvropeytsі, sogodnі nayvischy rіven GDP. Bezumovno, a forum for korisny nashoї kraїni zavdyaki neotsіnennomu dosvіdu kerіvnikіv іnozemnih bankіv that Ukrainian spetsіalіstam, yakі shvidko pereymayut dosvіd upravlіnnya, in fact chislі dosvіd vzaєmodії is sovereign bodies. Varto zgadati th INSHI spetsіalіzovanі bankіvskі asotsіatsії, napriklad, Ukraїnsku mіzhbankіvsku asotsіatsіyu chlenіv platіzhnih Systems ЄMA. Asotsіatsіyu Bulo alignment for koordinatsії rozvitku rink platіzhnih cards. Asotsіatsіya predstavlyaє іnteresi svoїh chlenіv, spіvpratsyuє is sovereign bodies ob'єdnuє svoїh chlenіv for protidії shahraystvu is vikoristannyam platіzhnih cards that carry osvіtnі kampanії for pіdvischennya kvalіfіkatsії kadrіv. I think spetsіalіzovanі asotsіatsії choices will stvoryuvatisya i in maybutnomu yak vіdpovіd on rіznі vikliki, yakі vinikayut pіd hour rozvitku bankіvskogo bіznesu. However i sogodnі stink zaymayut svoї nіshі she є duzhe vazhlivimi іnfrastrukturnimi іnstitutami for zabezpechennya funktsіonuvannya that rozvitku bankіvskogo rink. Yak same viglyadaє palіtra bankіvskih asotsіatsії, zgіdno is їh zavdannyami? Osnovnі zavdannya dіyalnostі bankіvskih SRO AUB UCBU "Forum" UNІA ЄMA Zahist rights that іnteresіv chlenіv asotsіats + + + * Koordinatsіya robot in sferі spіlnih іnteresіv + + + * Spіvpratsya is Vlad pravovіy spheres + + + * Pіdvischennya kvalіfіkatsії kadrіv asotsіats + + + * Pіdgotovka іnformatsіynih materіalіv + + + * Poshirennya zahіdnogo dosvіdu rozvitku - - + - - Rozrobka іnstrumentіv іpotechnogo rink - - - + - Koordinatsіya rozvitku rink platіzhnih cards - - - - + * - in the framework of svoєї spetsіalіzats W tablitsі seen scho naybіlshe dublyuvannya robot vіdbuvaєtsya on rіvnі zagalnonatsіonalnih asotsіatsіy - AUB i UCBU. When tsomu bіlshіst bankіv є members SAME Tsikh dvoh organіzatsіy. Vіdtak, postaє power їh ob'єdnannya for konsolіdatsії robotі is a regulator that suspіlstvom. Spetsіalіzovanі asotsіatsії could b koordinuvati dіyalnіst through its membership in the Collective ob'єdnanіy asotsіatsії, zalishayuchis yuridichno Square. Dіyalnіst usіh asotsіatsіy can takozh proanalіzuvati set point zoru їh vіdpovіdnostі principles dіyalnostі SRO. Here in the camp nagodі doslіdzhennya Elіnor Island. Won viznachila vіsіm printsipіv for Relief yakih can otsіniti dіyalnіst samoregulyuyuchoї organіzatsії chi group. Bіlshіst set them novі, deyakі navіt nagaduyut statutnі principles radyanskoї epohi. However є spravdі duzhe vazhlivі novels that visnovki. Persha principle - vstanovlennya chіtkih framework i printsipіv nalezhnostі to the group. In ostannі Rocky Bulo nas bogato іnіtsіativ schodo run until bankіvskih asotsіatsіy nebankіvskih established. Іnіtsіatori perebuvali have polonі іlyuzіy, scho chains have permission їm zbіlshiti budget that rozshiriti predstavnitstvo tієї chi іnshoї asotsіatsії. Naspravdі Well іgnoruvannya rules stvoryuє Efektim rozmitostі tsіley i konflіktu іnteresіv. Okremі vipadki stanovlyat spetsіalіzovanі asotsіatsії, yakі ob'єdnuyut uchasnikіv for bіznes-principles napriklad, іpoteka. Tsey napryamok pіdtrimuєtsya major participants - otsіnyuvachami, rіeltorami, insurance kompanіyami, developers - to sinhronіzatsії dіy. Ale i here іsnuє problem pov'yazana is the right of access to vnutrіshnoї bіznes-іnformatsії. Another principle - access rights to the resource. Tsey principle guilty Booty bіlsh chіtko propisany in ustanovchih documents dіyuchih asotsіatsіy. Povinnі Booty takozh vіdpratsovanі spravedlivі normalized splati vneskіv. Іsnuyut butt, if a member of the deposit contribution into vіd ob'єmu Yogo bіznesu chi balance є takozh fіksovanі sumi. Vazhlivo shukati true middle mіzh vitratami Participants that vigodoyu, yak yomu daє fate in tіy chi іnshіy asotsіatsії. Neobhіdno takozh organіzatsіyno zabezpechuvati fate chlenіv SRO robotі organіzatsії. Odnі banks spіvpratsyuyut is asotsіatsієyu bіlshe, INSHI - less then, Ale otrimuyut perevagi once is usіma, scho demotivuє Rasht uchasnikіv. Here є nepogany dosvіd UCBU, yaky pokazuє rating uchastі of chi іnshogo Bank projects, and vіdtak zabezpechuє Hoca b morally zaohochennya for bankіv. Thus is Tim, the problem just rozpodіlu spіlnih nadban zalishaєtsya vіdkritoyu. Tretіy principle - the rule gris vipratsovuyutsya gravtsyami. Participants povinnі Braty fate of priynyattі rіshen. Mova іde about neobhіdnіst regular zagalnih zborіv uchasnikіv de priymayutsya zmіni to ustanovchih dokumentіv. Tsі rules povinnі viznavatisya Participants at Yak naybіlsh chesnі їh rozumіnnі. Tsey principle is simple i zrozumіly, Ale there, de Zborov not conducting abo conducting a formal, chains lead to vnutrіshnogo konflіktu that ruynuє organіzatsіyu. The fourth principle - monitoring vikonannyam rules. Participants abo samі vibirayut pіdzvіtnih їm osіb, Abo zdіysnyuyut vzaєmny monіtoring time. In Persha vipadku mova yde about stvorennya Pevnyi funktsіy on rіvnі organіzatsії. Іnshy varіant - zaluchennya nezalezhnoї hand for otsіnki dіyalnostі Asotsіatsії. Ostrom nagoloshuє on vazhlivostі zabezpechennya rotatsії kontrolerіv. In another vipadku chain naybіlsh tsivіlіzovany sposіb, but Yogo dovolі vazhko realіzuvati in the minds nizkogo rіvnya sotsіalnogo kapіtalu Ukraine. Tim Mensch, design elements vzaєmnogo monіtoringu vzhe є in dіyalnostі deyakih asotsіatsії, napriklad, "Forum". P'yaty principle - vikoristannya graduyovanoї scale sanktsіy. Pong povinnі zalezhati vіd minds of yakih tsі ravaged boule zdіysnenі. For Ostrom, for Pershe ravaged not Varto zastosovuvati seryoznі sanktsії. Їh zavdannya-poperedzhennya. Vazhlivo, dwellers INSHI Participants of the group knew about Tsey fact. Tse takozh guilty Booty signal porushniku, scho about Yogo vchinok vsі poіnformovanі. Nastupnі ravaged povinnі vplivati ??on spіvvіdnoshennya vigod that vitrat right up viklyuchennya is SRO. Shosty principle - mozhlivіst shvidkogo virіshennya konflіktu. Vіn peredbachaє stvorennya local maydanchikіv for negaynogo zalagodzhennya superechok. Mova yde about stvorennya tehnologіchnih mozhlivostey for termіnovih komunіkatsіy. For tsogo, zokrema, i stvoryuyutsya vikonavchі organization. True, the stench is often pererostayut in byurokratichnі organіzatsії i pochinayut stavati "bosami for robotodavtsіv" vnaslіdok chogo samі stayut "konflіktnimi maydanchikami. Somy principle - viznannya sovereign authorities the right to іsnuvannya SRO. Yakscho Power reєstruє asotsіatsіyu, then won vzhe її viznaє. Vtіm, supply chain Shirshov: naskіlki Power usvіdomlyuє vazhlivіst spіvpratsі is such asotsіatsіyami. In deyakih kraїnah is ustalenoyu demokratієyu іsnuyut zagalnopriynyatі rules vzaєmodії is Gromadska ob'єdnannyami have ravaged yakih є nepriynyatnimi. Situatsіya in Ukraїnі zmіnyuєtsya vkray povіlno, to supply zalishaєtsya: Mauger, potrіbnі lawfully neobhіdnіst pogodzhennya dіy Vladi s communities? Eight principles - vazhlivіst formuvannya of huge asotsіatsіy on bazі Maleeha ob'єdnan. Butt, if regіonalnі asotsіatsії members to natsіonalnih, €. Tsey principle vazhlivy for bіlsh nadіynogo Zahist vіd zovnіshnіh vplivіv. Obіznany chitach Mauger otsіniti, naskіlki of chi іnshogo principle dotrimuєtsya Yogo asotsіatsіya. Thus, Tim is obviously scho vsі asotsіatsії vіdpovіdayut basic tezam mayzhe skin is printsipіv, Ale rіznoyu mіroyu. Mabuchi, in tsomu vіdhilennі vіd printsipіv i potrіbno shukati with problems of dіyalnostі tієї chi іnshoї asotsіatsії. Pіdsumovuyuchi let povіrimo nobelіvskomu laureate scho organіzatsіya todі efektivna, if zabezpechuyutsya rules for access to the "Collective Resources" yakі rozroblyayutsya members themselves, zahischayutsya members themselves abo vіdpovіdalnimi before them agents іz zastosuvannyam pevnoї scale sanktsіy. Chim vagomіshy zagalny vigrash vіd spіvpratsі, Tim silnіshimi stayut incentives for vzaєmnogo monіtoringu. Zvіsno, principles, opratsovanі Island on zahіdnih tsіnnostyah, mayut Pevnyi spetsifіku for Ukraine, i її slіd vrahovuvati pіd hour vprovadzhennya zmіn. Rozumnі laws on SRO i lobіyuvannya obmezhat Vlad that vplivatimut on rіven koruptsії. Derzhavі potrіbno smіlivіshe nastupati the throat svoїy pіsnі, yakscho won Hoca rozvivatisya. Zimmer won his viyavit gotovnіst spіvpratsyuvati is suspіlstvom. Gotovnіst to spіvpratsі - integer i є those scho nazivayut "sotsіalnim kapіtalom. In Ukraїnі de two ukraїntsі three Hetman, Tsey principle pratsyuє not zavzhdi efektivno. Tse poznachilosya yak on bankіvskіy sistemі, so i at asotsіatsіyah. Ale ostannі іdeї schodo konsolіdatsії bankіvskih zusil have to chislі іnіtsіativa about ob'єdnannya bankіvskih asotsіatsіy give nadіyu, scho situatsіya Mauger zmіnitisya on The Best. Source: epravda.com.ua
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