Елена Самтынова
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На официальном сайте Банка России сообщается1, что по кредитам организаций, реструктурированным в связи с пандемией, банкам будет представлена возможность до 30 сентября не ухудшать оценку качества обслуживания долга, сложившуюся по состоянию на 1 марта текущего года, вне зависимости от оценки финансового положения заемщика. Также Банк России дает кредитным организациям возможность до указанного срока принимать решение о неухудшении оценки финансового положения заемщика для целей формирования резервов под потери, в случае если ухудшение финансового положения заемщика произошло после 1 марта и обусловлено распространением нового коронавируса. Данные меры коснутся следующих отраслей:
жилищного строительства (при условии, что на 1 марта 2020 года ссуды, предоставленные организациям, осуществляющим жилищное строительство, были классифицированы кредитной организацией в I или II категории качества); деятельности автовокзалов и автостанций; вспомогательной деятельности, связанной с воздушным транспортом; производства и торговли (оптовой и розничной) автотранспортными средствами и мотоциклами, их ремонта и проведения техосмотра; деятельности по предоставлению бытовых услуг населению (ремонт компьютеров, предметов личного потребления и хозяйственно-бытового назначения, стирка и химическая чистка текстильных и меховых изделий, предоставление услуг парикмахерскими и салонами красоты).
Напомним, ранее Банк России сообщал о принятых мерах поддержки, в том числе в отношении уязвимых отраслей деятельности (организации общественного питания, деятельности в области искусства, спорта и отдыха и организации развлечений, деятельности по организации конференций и выставок, образовательных услуг и других) (Информация Банка России от 27 марта 2020 г.).
Кроме того, регулятор дает кредитным организациям право не ухудшать качество обслуживания долга по ссудам I и II категорий качества по состоянию на 1 марта, предоставленным лизинговым компаниям, которые были реструктурированы ввиду невозможности лизинговыми компаниями осуществлять своевременные платежи в силу реструктуризации лизинговых платежей их клиентов, чье финансовое положение ухудшилось в результате распространения новой коронавирусной инфекции.
В отношении находящегося на балансе имущества, а также для целей расчета резервов на возможные потери (если обеспечение относится к I и II категориям качества по ссудам) Банк России разрешает кредитным организациям использовать оценку стоимости, осуществленную по состоянию на 1 января 2020 года. Также вносятся изменения в подход к оценке кредитного риска на основе внутренних рейтингов с целью ускоренного внедрения в России положений «Базеля III» для банков, получивших разрешение на применение этого подхода в целях расчета достаточности капитала.
Банкам рекомендуется «взвешенно подходить к выплате дивидендов, исходя из необходимости обеспечить свою полноценную деятельность как в краткосрочной, так и в среднесрочной перспективе» и перенести решения о выплате дивидендов за 2019 год на август – сентябрь 2020 года.
Помимо этого, регулятор объявил о мерах по поддержке дистанционного обслуживания клиентов. Дистанционный порядок может быть применен для операций с целью открытия счета для проведения социально значимых платежей (перечисление алиментов, пенсий, стипендий и т. д.).
В случае заключения сделок с недвижимостью, в том числе с помощью ипотеки банк России считает целесообразным смягчить ряд подходов в части идентификации клиентов. Так, для удаленного оформления ипотечных сделок приняты следующие решения:
на период до 1 июля 2020 года применять в отношении кредитных организаций меры, предусмотренные ст. 74 Федерального закона от 10 июля 2002 г. № 86-ФЗ»О Центральном банке Российской Федерации (Банке России)», за допущенные кредитными организациями нарушения требований абз. 3 п. 5 ст. 7 Федерального закона от 7 августа 2001 г. № 115-ФЗ «О противодействии легализации (отмыванию) доходов, полученных преступным путем, и финансированию терроризма» только в случае выявления фактов открытия кредитными организациями таких счетов на основе недостоверных идентификационных сведений; рекомендовать кредитным организациям в случае если у клиента имеется действительный квалифицированный сертификат, выданный действующим на момент выдачи аккредитованным удостоверяющим центром, повторно не оформлять клиенту квалифицированный сертификат у обслуживающего банка.
Предусмотрены меры по поддержке страховых компаний и негосударственных пенсионных фондов (НПФ). Так, до 30 сентября не будут приниматься меры воздействия за нарушение страховыми организациями требования максимальной доли корпоративных ценных бумаг в активах, в которые инвестируются страховые резервы, и в активах, в которые инвестируются собственные средства страховщика. Для НПФ, помимо возможности не переоценивать стоимость ценных бумаг по справедливой стоимости, предоставляется возможность при проведении стресс-тестирования не переоценивать по справедливой стоимости активы, приобретенные до 1 марта, а соответствующие активы, приобретенные в период с 1 марта по 30 сентября, отражать по справедливой стоимости на дату приобретения. При стресс-тестировании НПФ рекомендуется использовать сценарий, опубликованный Банком России 30 сентября 2019 года. Данные меры приняты в целях предоставления страховым организациям и НПФ возможности управлять своими активами в период повышенной волатильности, а также для расширения возможностей нефинансовых компаний по привлечению финансирования.
Все важные документы и новости о коронавирусе COVID-19 – в ежедневной рассылке Подписаться
Микрофинансовым институтам регулятор рекомендует ограничить личное взаимодействие с заемщиками, в том числе при взыскании просроченной задолженности, а также бумажный документооборот и использование наличных денег, а жилищным накопительным кооперативам проводить общие собрания удаленно или в форме заочного голосования.
Срок представления отчетности для МФО, которая должна быть представлена в период с 30 марта по 5 мая, продлен до 15 мая 2020 года включительно. Саморегулируемым организациям рекомендовано учитывать введенные Банком России временные регуляторные и надзорные меры и использовать аналогичный подход в части контрольных функций по отношению к своим членам. «Регулирование предусматривает, что доля корпоративных ценных бумаг в активах, в которые инвестируются страховые резервы, а также в активах, в которые инвестируются собственные средства, не должна превышать 45%», – указывается в информации регулятора.
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1 С текстом Информации Банка России от 10 апреля 2020 г. о дополнительных мерах по защите интересов граждан и поддержке кредитования экономики можно ознакомиться на официальном сайте Банка России (https://www.cbr.ru/press/pr/?file=10042020_183637if2020-04-10T18_35_05.htm).
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