0.1 Increase of efficiency in the use of securities in eliminating  (Page 2/4)

In order to restore the trust of potential investors, commercial banks of the CIS should master the methods of modern investment business, the organization of advertising and marketing programs, and also in communicating with the mass media. With that end in view, the CIS countries’ short-term prospect on the institute of market-makers should be extended at the expense of potential use of known international investment institutes, which are capable of engaging on a professional basis in forming their image, and demand for different kinds of bank securities.

One more effective form of maintenance of financial stability and increase level of capital adequacy of commercial banks during the post crisis period is activity on introduction in bank practice of the CIS the procedures of merge or acquisitions (M&A) of joint-stock bank institutes. Merging procedures allow their participants, being in one structure, to function independently, dividing spheres of influence and keeping identical powers on management of bank business. However, process absorption in an attached bank requires fundamental re-structuring up to the change of a profile of its activity since it passes under a complete control of the leading bank. Successful realization in practice of procedures of merge and acquisition promotes more effective utilization by banks of potential of a share issue for the purposes of strengthening of their capital base and increase of stability of national bank systems.

Along with expansion of scales of use of tools of the joint-stock financing, many banks have expanded a spectrum and have increased scales of release and placing of debt securities. Their issue promoted mobilization of extra financial assets for needs of innovative development of clients of banks and to settlement of problems of non-payments that was positively reflected in growth of their image among participants of the market. Advantage of debt securities to investors is that they express the obligation of the emitter to return the laid-down capital enclosed means in the appointed term having provided the guaranteed level of their profitableness. In this connection, investors do not bear such risk level as in a case of an investment of means in share securities. The given circumstance has gained an important value for restoration of trust of participants of the market to securities in the conditions of elimination of consequences of the world financial crisis. The central place among the debt securities which are issued by banks is occupied with the bank certificates the advantage of which for banks is in simplicity of the organization of release since they do not demand release of the issue prospectus and can be emitted in process of occurrence of means on settlement accounts of their clients. Besides, they are capable to support effectively resource bases of commercial banks since the average rest on accounts of banks usually is at the constant level. For owners of bank certificates (from among clients of commercial banks) the advantage of using them is in simplicity of use and reliability of extraction of incomes. Besides, they can carry out for investors additional functions as the effective tool, capable to confirm their solvency, and also in the form of donation or inheritance means.