Bank cash center. And cash settlement centers of the Central Bank of the Russian Federation

The status of territorial institutions of the Central Bank of the Russian Federation is determined Regulations “On territorial institutions of the Bank of Russia” dated July 29, 1998. No. 46-P.

Territorial institution– a separate division of the Bank of Russia, which carries out part of its functions on the territory of a constituent entity of the Russian Federation and is part of a single centralized system of the Bank of Russia with a vertical management structure.

Territorial institutions, as a rule, are created on the territory of the constituent entities of the Russian Federation. By decision of the Board of Directors of the Bank of Russia, territorial institutions may be created in economic regions that unite the territories of several constituent entities of the Russian Federation.

The territorial institutions of the Bank of Russia are its Main Directorates in the territories, regions and autonomous districts of the Russian Federation, the cities of Moscow and St. Petersburg, and the National Banks of the republics within the Russian Federation.

The territorial institution of the Bank of Russia, created in an economic region that unites the territories of several constituent entities of the Russian Federation, is the Main Directorate.

As part of territorial institutions, Cash Settlement Centers (hereinafter referred to as RCCs) and other divisions, including those supporting the activities of the territorial institution (canteens, medical and health institutions, educational institutions, etc.) operate as structural units. , the creation and liquidation of which is approved by the Bank of Russia.

Territorial institution

Participates in the implementation of a unified state monetary policy aimed at protecting and ensuring the stability of the ruble;

Ensures the development and strengthening of the banking system of the Russian Federation, the efficient and uninterrupted functioning of the settlement system;

Carries out regulation and supervision of the activities of credit institutions, including in the securities market, organization of currency control;

A territorial institution does not have the status of a legal entity and has the powers granted to it by regulations of the Bank of Russia.

A territorial institution does not have the right:

Adopt regulations

Issue guarantees and sureties, bills of exchange and other obligations;

Provide loans to finance deficits of the federal budget and budgets of constituent entities of the Russian Federation, local budgets and budgets of state extra-budgetary funds;

Carry out banking operations in foreign currency with legal entities and individuals without the permission of the Bank of Russia.

The Bank of Russia provides a territorial institution with property, the value of which is reflected on the balance sheet of the territorial institution, which is an integral part of the balance sheet of the Bank of Russia.

Powers of the territorial institution in the field of monetary regulation:

1. Concluding loan agreements on behalf of the Bank of Russia and, in the case of assigning loan issuance operations to it, refinancing banks. For these purposes, the territorial institution:

a) considers applications from banks for loans from the Bank of Russia and makes decisions on the possibility of providing loans;

b) issues loans to banks and works to ensure the repayment of Bank of Russia loans and interest on them;

c) studies the effectiveness of applied methods for refinancing banks, submits proposals for their improvement to the Bank of Russia for consideration;

2. Monitoring compliance by credit institutions with mandatory reserve requirements of the Bank of Russia;

3. Exercise of other powers.

Powers of a territorial institution in the field of organizing money circulation and settlements:

2. Forecast, organization and regulation of money circulation in the region within the framework of monetary policy pursued by the Bank of Russia;

3. Organization of interbank settlements;

4. Organizing cash services for credit institutions and monitoring compliance with the established procedure for conducting cash transactions in credit institutions;

5. Exercise of other powers.

The powers of the territorial institution to regulate, supervise and carry out inspections of the activities of credit institutions:

1. Review of documents necessary for registering credit organizations and obtaining a license for them;

2. Carrying out a preliminary review of documents from credit institutions applying to change the amount of authorized capital, to expand the range of transactions performed, preparing an opinion on the possibility of granting the credit institution the appropriate license and submitting it to the Bank of Russia;

3. Coordination of the appointment of heads of executive bodies and chief accountants of credit institutions and their branches, as well as heads of internal control services in credit institutions;

4. Review of audit reports submitted by credit institutions based on the results of their activities for the year;

5. Monitoring compliance by credit institutions with mandatory standards established by the Bank of Russia and other prudential standards of activity;

6. Application, in accordance with the procedure established by the Bank of Russia, of enforcement measures against credit institutions that have committed violations;

7. Exercise of other powers.

Legal status of cash settlement centers Bank of Russia is determined in accordance with the standard regulations approved By Order of the Central Bank of the Russian Federation of October 7, 1996 No. 336.

The head settlement and cash center, the interdistrict settlement and cash center, the district settlement and cash center (hereinafter referred to as the RCC) are a structural division of the Bank of Russia, operating as part of the territorial branch of the Bank of Russia.

The main goal of the RCC as a structural unit of the Bank of Russia, carrying out banking operations with funds in a two-tier banking system, is to ensure the effective, reliable and safe functioning of the payment system of the Russian Federation.

The relationship between the RCC and the credit institutions it serves, representative and executive bodies of state power, local self-government, federal treasury bodies, and other clients are built on a contractual basis.

The RCC is headed by a chief appointed and dismissed by the head of a territorial institution of the Bank of Russia in the manner determined by the Board of Directors of the Bank of Russia.

The head of the RCC manages the activities of the RCC and acts on behalf of the Bank of Russia on the basis of a power of attorney issued by way of delegation by the head of the territorial branch of the Bank of Russia.

The RCC has an identification code, a seal with its name and the image of the State Emblem of the Russian Federation, as well as stamps necessary to perform its functional tasks.

Main functions of the RCC:

1. Carrying out settlements between credit institutions (branches);

2. Providing cash services to credit institutions (branches);

3. Storing cash and other valuables, performing transactions with them and ensuring their safety;

4. Ensuring accounting and control of settlement transactions and reconciliation of mutual settlements through correspondent accounts (sub-accounts) opened for credit institutions (branches);

5. Cash settlement services for representative and executive bodies of state power, local governments, their institutions and organizations, budget accounts of all levels and federal treasury bodies of the Ministry of Finance of the Russian Federation, state extra-budgetary funds, military units, military personnel, employees of the Bank of Russia, as well as other persons in cases provided for by federal laws;

6. Serving clients who are not credit institutions in regions where there are no credit institutions;

7. Ensuring the protection of valuables, bank documents and banking information from unauthorized access;

8. Establishment of maximum cash balances in the operating cash desks of credit institutions (branches) and other legal entities and implementation of operational control over their compliance in accordance with the current procedure;

9. Other powers.

RCC carries out operations in accordance with the functional tasks assigned to it:

1. Opening, re-registration and closing of correspondent accounts (sub-accounts) for credit institutions (branches) at their location, as well as other accounts for legal entities and individuals;

2. Write-off (credit) of funds from the accounts (accounts) of credit institutions (branches), other legal entities and individuals;

3. Monitoring compliance with the rules and deadlines for settlement transactions by credit institutions, other legal entities and individuals;

4. Acceptance and issuance of cash to credit institutions (branches) and other legal entities and individuals;

5. Cash handling;

Russia is a country with the largest territory in the world, with many settlements, in each of which the Bank of Russia strives to have its own branch. In each region of our country, the Central Bank has its own branch, which is called the Territorial Branch of the Bank of Russia (TU). There are a total of 79 such Territorial Institutions, one in each subject of the Russian Federation. The exceptions are 4 subjects: Nenets Autonomous Okrug, Yamalo-Nenets Autonomous Okrug, Khanty-Mansiysk Autonomous Okrug and Moscow Region.

If a territorial institution of the Bank of Russia is located on the territory of a republic, then it is called the National Bank of this republic. For example, the National Bank of the Kabardino-Balkarian Republic. If a territorial institution is located in any other subject of Russia, it is called the Main Directorate of the Central Bank (Bank of Russia).

The structure of National Banks and Main Directorates includes cash settlement centers, one of which is the head center (GRKTs). In total, there are 121 cash settlement centers in our country, of which 79 are head centers.

The capital of our homeland, the city of Moscow, has become an exception in this sense. There are no cash settlement centers in Moscow. Their functions are performed by 4 Branches, OPERU MSTU of the Bank of Russia and OPERU-1 of the Bank of Russia. The abbreviation OPERU stands for “operational management”.

Head cash settlement centers and simple cash settlement centers have their own BIC (bank identification code), consisting of 9 digits and formed in accordance with Regulation No. 225-P of the Bank of Russia:

• the first 2 digits carry the code of the Russian Federation - 04;
• the third and fourth digits mean the code of the territory of Russia according to OKATO (all-Russian classifier of objects of administrative-territorial division) and these numbers for all cash centers coincide within the same Territorial institution;
• the fifth and sixth digits indicate the conventional number of the unit in the Territorial Branch of the Bank of Russia; these figures are unique for each cash settlement center and cannot be the same within the technical specifications;
• The seventh, eighth and ninth digits for GRKTs have the value 001.

Thus, recognizing the Head Cash Settlement Center by bank identification code (BIC) is easy and simple. The last digits of the BIC GRKTs are always 001.

Currently, the Bank of Russia is actively introducing electronic payment technologies, credit institutions are being transferred to single correspondent accounts, and many cash settlement centers are no longer needed. Their number is steadily declining. So, in the 90s there were more than 1,300 of them, by 2013 their number had decreased to 485. As of February 22, 2018, there were only 121 of them left.

Since February 2, 2015, the main cash settlement centers have officially changed their name and the abbreviations GRKTs are no longer used. Instead, the same organizations began to be called Main Directorates or branches for a specific subject of the Russian Federation or city.

As part of the main territorial departments there are cash settlement centers, which are structural divisions of the Central Bank of the Russian Federation. According to the current Standard Regulations on the Cash Settlement Center of the Central Bank of the Russian Federation dated October 7, 1996 No. 336, the creation of RCCs, their reorganization and liquidation are carried out by a decision of the Board of Directors of the Central Bank of the Russian Federation in the manner established by the Federal Law on the Bank of Russia, the mentioned Model Regulations and others regulations of the Central Bank of the Russian Federation. The name of the provision suggests its typical nature, i.e. in each specific case, the functions and powers of the RCC can be either supplemented or reduced.

RCCs are structural divisions of the Central Bank of the Russian Federation that carry out banking operations with funds in the conditions of the two-tier banking system of Russia. The main goal of the RCC is to ensure the efficient, reliable and secure functioning of the payment system of the Russian Federation.

The Bank of Russia has established the following structure of RCCs operating within a territorial institution:

• - head cash settlement center;
• - interdistrict cash settlement center;
• - district cash settlement center.

The main goal of the RCC, which carries out banking operations with funds in a two-tier banking system, is to ensure the efficient, reliable and secure functioning of the payment system of the Russian Federation.

The RCC is headed by a chief who is appointed and dismissed by the head of the territorial institution of the Central Bank of the Russian Federation in the manner determined by the Board of Directors of the Central Bank of the Russian Federation. The head of the RCC manages the activities of the RCC and acts on behalf of the Central Bank of the Russian Federation on the basis of a power of attorney issued by way of delegation by the head of the territorial office of the Central Bank of the Russian Federation.

The head, chief accountant, heads of structural divisions of the RCC and their deputies are responsible in accordance with current legislation for ensuring compliance with the legislative acts of the Russian Federation, regulations of the Central Bank of the Russian Federation. In addition, the heads of the RCC are obliged to ensure the safety of information constituting a state secret, as well as information of limited distribution. All RCC employees are required to keep this secret and comply with the established regime.

RCCs are vested with powers in almost all areas of activity of the Central Bank of the Russian Federation. Thus, as part of the organization of money circulation, they establish maximum cash balances at the cash desks of credit institutions and other legal entities and exercise operational control over their compliance, as well as monitor compliance with cash transactions. In addition, RCCs provide centralized forwarding of postal settlement and monetary documents at the intraregional and interregional levels in cooperation with specialized delivery services.

In the field of banking regulation, RCCs determine the implementation by credit institutions of mandatory reserves of funds, exercise control over the timeliness, completeness of transfers and reliability of settlements. By order of the main territorial administration (national bank), executed by way of delegation, the RCC has the right to participate in the provision of loans to banks from the Central Bank of the Russian Federation in the prescribed manner. RCCs can also perform other tasks specified in the Standard Regulations.

12. Territorial departments and cash settlement centers of the Central Bank of the Russian Federation

The status of territorial institutions of the Central Bank of the Russian Federation is determined by the Regulations “On territorial institutions of the Bank of Russia”.

Territorial institution– a separate division of the Bank of Russia, which carries out part of its functions on the territory of a constituent entity of the Russian Federation and is part of a single centralized system of the Bank of Russia with a vertical management structure.

Territorial institutions, as a rule, are created on the territory of the constituent entities of the Russian Federation. By decision of the Board of Directors of the Bank of Russia, territorial institutions can be created in economic regions that unite the territories of several constituent entities of the Russian Federation.

The territorial institutions of the Bank of Russia are its main departments in the territories, regions and autonomous districts of the Russian Federation, the cities of Moscow and St. Petersburg, national banks of the republics within the Russian Federation.

The territorial institution of the Bank of Russia, created in an economic region that unites the territories of several constituent entities of the Russian Federation, is the Main Directorate.

As part of territorial institutions, Cash Settlement Centers (RCCs) and other divisions operate as structural divisions, including those supporting the activities of the territorial institution, the creation and liquidation of which is approved by the Bank of Russia.

A territorial institution does not have the status of a legal entity and has the powers granted to it by regulations of the Bank of Russia.

The Bank of Russia provides a territorial institution with property, the value of which is reflected on the balance sheet of the territorial institution, which is an integral part of the balance sheet of the Bank of Russia.

The head settlement and cash center, the interdistrict settlement and cash center, and the district settlement and cash center are structural divisions of the Bank of Russia operating as part of the territorial branch of the Bank of Russia.

The main goal of the RCC's activities is as a structural unit of the Bank of Russia, carrying out banking operations with funds in a two-tier banking system, is to ensure the effective, reliable and safe functioning of the payment system of the Russian Federation.

The relationship of the RCC with the credit institutions it serves, representative and executive bodies of state power, local self-government, bodies of the Federal Treasury, and other clients are built on a contractual basis.

The RCC is headed by a chief appointed and dismissed by the head of a territorial institution of the Bank of Russia in the manner determined by the board of directors of the Bank of Russia.

The head of the RCC manages the activities of the RCC and acts on behalf of the Bank of Russia on the basis of a power of attorney issued by way of delegation by the head of the territorial branch of the Bank of Russia.

The RCC has an identification code, a seal with its name and an image of the State Emblem of the Russian Federation, as well as stamps necessary to perform its functional tasks.