Settlement cash centers of the Central Bank of the Russian Federation carry out. And settlement and cash centers of the Central Bank of the Russian Federation

  1. Legal status cash settlement centers (RCC) of the Bank of Russia is established by the Model Regulations on the cash settlement center of the Bank of Russia dated October 7, 1996 No. 336. According to this Model Provision, several general features of the RCC can be distinguished, namely:
- a cash settlement center is a structural subdivision of the Bank of Russia operating as part of a territorial branch of the Bank of Russia;
  • according to its status, it is neither a branch nor a representative office, since the territorial administration itself is recognized as a branch;
  • The RCC acts on behalf of the Bank of Russia, and, accordingly, in all disputes arising from servicing at the RCC, the respondent will be the Central Bank of the Russian Federation;
  • the named subdivision is that section of the Bank of Russia that services the settlement activities of banks, carries out collection of money and other operations related to money turnover;
  • in settlement legal relations carried out through it, the RCC, not being an independent subject of law, acquires the status of a quasi-subject, since it receives an independent code and performs settlement, as it were, on its own behalf;
  • There are several types of RCC depending on the volume of operations performed: the head cash settlement center, interdistrict cash settlement center, district cash settlement center. Separately, mention should be made of the Second Operational Directorate at the Central Bank of the Russian Federation (OPERU-2), created on July 25, 1996 by the decision of the Board of Directors, which simultaneously performs the functions of supervision of large credit institutions, on whose activities stability depends banking system and normal functioning financial markets, and settlement and cash services, since it is here that their correspondent accounts are opened and serviced.
  1. In accordance with the regulation of OPERU-2, together with the Department of Prudential Banking Supervision of the Bank of Russia, it develops mechanisms for daily monitoring of banks' liquidity, identifying and limiting financial risks. Its powers include the application to supervised banks of all measures of influence provided for by banking legislation, up to limiting operations and replacing managers. The Board may apply for the appointment of a temporary administration to the bank or the withdrawal of a banking license.
The list of credit institutions transferred to the new Department for servicing is determined by the Board of Directors of the Bank of Russia. At the time of the creation of this division of the Bank of Russia, the first five banks were transferred to it for servicing: Avtobank, Agroprombank, Vneshtorgbank, Menatep and International finance company. Somewhat later under supervision
Second operational management transferred to Sberbank of the Russian Federation. The issue of transferring other large Russian banks to OPERA-2 is being resolved as the Department is formed. Similar structures of personal supervision of large banks at the regional level are expected to be created in the territorial offices of the Bank of Russia, primarily in the Main Directorate of the Central Bank of the Russian Federation in Moscow.
  1. The main goal of the activity of the RCC as a structural unit of the Bank of Russia, carrying out Bank operations with cash in a two-tier banking system is to ensure the efficient, reliable and secure functioning of the payment system Russian Federation. To achieve this goal, the RCC is endowed with appropriate functions. The main ones are:
  • making settlements between credit institutions (branches);
~ implementation of cash services for credit institutions (branches);
  • storage of cash and other valuables, transactions with them and ensuring their safety;
  • ensuring accounting and control of settlement transactions and reconciliation of mutual settlements through correspondent accounts (sub-accounts) opened credit institutions(branches);
  • ensuring accounting and control of implementation cash transactions through correspondent accounts (sub-accounts) opened for credit institutions (branches);
  • Settlement and cash services for representative and executive bodies state power, local self-government bodies, their institutions and organizations, budget accounts of all levels and federal treasury bodies of the Ministry of Finance of the Russian Federation, state off-budget funds, military units, military personnel, employees of the Bank of Russia, as well as other persons in cases provided for by federal laws, as well as servicing customers who are not credit institutions in regions where there are no credit institutions;
  • ensuring the protection of valuables, bank documents and banking information from unauthorized access;
  • development and submission to the territorial branch of the Bank of Russia of the emission forecast for the coming quarter as a whole for the serviced territory;
  • setting a limit on the size of residues cash at operating cash desks of credit institutions (branches), Other legal entities and implementation of operational control over compliance with this size in accordance with current procedure;
  • exercising control over the reliability of reporting on cash turnover compiled by credit institutions;
  • drawing up, on the basis of data from credit institutions, a calendar of issuance of money for wages and submitting it to the territorial office of the Bank of Russia;
  • verification in credit institutions of work on compliance with the procedure for conducting cash transactions for the clientele served;
  • regulation of required reserves deposited in Bank of Russia, control over the timeliness and completeness of the transfer of required reserves, verification of the reliability of calculations of required reserves;
  • participation in the implementation of the functional tasks of the territorial branch of the Bank of Russia: assignment of the right to provide banks with loans from the Bank of Russia; participation in inspections of credit institutions (branches); application to serviced credit organizations of sanctions in the form of a fine in accordance with Art. 75 ZoCB, etc.
In addition, the RCC is entitled to carry out transit and control operations for settlements with credit institutions located on the territory of the states that are part of the CIS and the Baltic countries, as well as for inter-regional and intra-regional electronic payments. They are entrusted with the provision of centralized forwarding of postal cash documents at the intra-regional and inter-regional levels in cooperation with specialized delivery services. They carry out cash settlements based on the results of operations in the organized market valuable papers and other transactions with securities. In this regard, RCCs ensure accounting of operations for the issuance and sale of bonds, the payment of coupons on bonds of state republican internal loans, as well as other operations with securities determined by the Bank of Russia.
  1. Like any other banking division, the goals and functions of the RCC are implemented through a set of operations carried out by it. RCC has the right to carry out the following types operations:
  • opening, re-registration and closing of correspondent accounts (sub-accounts) for credit institutions (branches) at their location, as well as other accounts for legal and individuals;
  • debiting (crediting) funds from accounts (to accounts) of credit institutions (branches), other legal entities and individuals;
  • control over compliance with the rules and deadlines for settlement transactions by credit institutions, other legal entities and individuals;
  • control over the implementation of payments within the funds available on the accounts of credit institutions (branches), other legal entities and individuals;
  • accounting for write-offs (credits) of funds by reflecting on correspondent accounts (sub-accounts), settlement and current accounts, accounts of MFIs, as well as other accounts opened on the balance sheet of the RCC;
  • reconciliation of the reflection of settlement transactions on correspondent accounts (subaccounts) and other accounts opened on the balance sheet of the RCC and on the balance sheet of credit institutions (branches);
  • protection of settlement documents with the use of special means;
  • receiving and issuing valuables from reserve funds;
  • accounting of emission transactions;
  • accepting and issuing cash to credit institutions (branches) and other legal entities and individuals;
  • cash handling;
  • opening and closing of loan accounts for bank refinancing by the Bank of Russia on the basis of loan agreements concluded by a territorial office of the Bank of Russia;
  • accrual of interest on credit transactions, control over their timely and complete transfer.
  1. RCC's relationships with serviced credit institutions, representative and executive bodies of state power, local self-government, federal treasury bodies, and other clients are built on a contractual basis.
Creation of other RCCs, their reorganization and liquidation are carried out by the decision of the Board of Directors of the Bank of Russia. The RCC is headed by a chief who is appointed to and dismissed by the head of the territorial office 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 office of the Bank of Russia. Boss, Chief Accountant, heads of structural subdivisions of the RCC and their deputies are responsible in accordance with the current legislation for ensuring compliance with the legislative acts of the Russian Federation, regulations of the Bank of Russia. The staff list of the RCC is approved by the head of the territorial branch of the Bank of Russia, taking into account the structure and salary scheme recommended by the Bank of Russia. The maintenance of the cash settlement center is carried out within the allocated budget allocations.
The heads of the RCC are obliged to ensure the safety of information constituting state secret, as well as restricted information. All employees of the RCC, admitted to the specified categories of information, are required to comply with the established regime for handling them. The information to be protected is determined regulations Bank of Russia.
The name of the RCC includes the names locality in accordance with its territorial location and the territorial office of the Bank of Russia, within which the RCC operates. The cash settlement center has an identification code (MFO number), a seal with its name and the image of the State Emblem of the Russian Federation, as well as stamps necessary to fulfill its functional tasks.

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

Territorial institution- a separate division of the Bank of Russia, which performs part of its functions in the territory of a constituent entity of the Russian Federation and is part of a single centralized system 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 for 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 territories, regions and autonomous regions 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 for the economic region that unites the territories of several constituent entities of the Russian Federation, is the Main Directorate.

As part of territorial institutions, as structural divisions, there are Settlement and Cash Centers (hereinafter referred to as CCC), other divisions, including those that ensure the activities of a territorial institution (canteens, medical and preventive and health institutions, schools, etc.), 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;

It regulates and supervises the activities of credit institutions, including those in the securities market, currency control;

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

The territorial institution does not have the right to:

Adopt regulations

Issue guarantees and guarantees, promissory notes and other obligations;

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

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

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

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

1. Conclusion on behalf of the Bank of Russia of loan agreements and, in the event that operations for issuing a loan are assigned to it, the refinancing of banks. For these purposes, the territorial office:

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

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

c) study the effectiveness of the applied methods of refinancing banks, submit proposals for their improvement for consideration by the Bank of Russia;

2. Exercising control over the fulfillment by credit institutions of the mandatory reserve requirements of the Bank of Russia;

3. Exercise of other powers.

Powers of the territorial institution in the field of organization monetary circulation and calculations:

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

3. Organization of interbank settlements;

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

5. Exercise of other powers.

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

1. Consideration of documents required for registration of credit institutions and obtaining a license by them;

2. Carrying out a preliminary review of documents of credit institutions applying for a change in the amount authorized capital, on expanding the range of transactions performed, preparing an opinion on the possibility of granting an appropriate license to a credit institution 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 services internal control in credit institutions;

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

5. Exercising control over compliance by credit institutions with mandatory ratios established by the Bank of Russia and other prudential norms of activity;

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

7. Exercise of other powers.

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

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

The main purpose 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 efficient, reliable and secure functioning of the payment system of the Russian Federation.

RCC's relationships with serviced credit institutions, 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 head who is appointed to and dismissed by the head of the territorial branch 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 office 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.

The main functions of the RCC:

1. Making settlements between credit institutions (branches);

2. Implementation of cash services for credit institutions (branches);

3. Storage of cash and other valuables, 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. Settlement and cash services representative and executive bodies of state power, bodies of local self-government, their institutions and organizations, accounts of budgets of all levels and bodies of the federal treasury of the Ministry of Finance of the Russian Federation, state off-budget funds, military units, military personnel, employees of the Bank of Russia, as well as other persons in cases provided for federal laws;

6. Servicing clients that are not credit institutions in regions where there are no credit institutions;

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

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

9. Other powers.

The 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. Writing off (crediting) funds from accounts (to 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;

As part of the main territorial departments, there are cash settlement centers, which are structural subdivisions of the Central Bank of the Russian Federation. According to the current Model Regulations on the Settlement and Cash Center of the Central Bank of the Russian Federation of October 7, 1996 No. 336, the establishment of cash and settlement centers, their reorganization and liquidation are carried out by the 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 aforementioned Model Regulations and others normative acts of the Central Bank of the Russian Federation. The name of the provision suggests its typical character, i.e. in each specific case, the functions and powers of the RCC can be either supplemented or reduced.

RCCs are structural subdivisions of the Central Bank of the Russian Federation, carrying out banking operations with cash 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 as part of a territorial branch:

  • - head cash settlement center;
  • - inter-district settlement and cash center;
  • - regional settlement and cash center.

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

The RCC is headed by a head appointed to and dismissed by the head of the territorial office 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 substitution by the head of the territorial office of the Central Bank of the Russian Federation.

The head, chief accountant, heads of structural subdivisions of the RCC and their deputies are responsible in accordance with the current legislation for ensuring compliance with the legislative acts of the Russian Federation, the 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 employees of the RCC 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 set the maximum cash balances at the cash desks of credit institutions and other legal entities and exercise operational control over their observance, as well as monitor compliance with cash operations. In addition, RCCs provide centralized forwarding of postal cash documents at the intra-regional and inter-regional levels in cooperation with specialized delivery services.

In the field banking regulation RCCs determine the implementation of mandatory reserve by credit institutions Money, exercise control over the timeliness, completeness of the transfer and the reliability of the calculations. On behalf of the main territorial administration ( national bank), issued in the manner of sub-authorization, the RCC is entitled to participate in the provision of loans to banks by the Central Bank of the Russian Federation in the prescribed manner. RCCs may also perform other tasks specified in the Model Provision.

1. Making settlements between credit institutions (branches).

2. Implementation of cash services for credit institutions (branches).

3. Storage of cash and other valuables, transactions with

them and ensure their safety.

4. Ensuring accounting and control of settlement transactions and reconciliation

mutual settlements through correspondent accounts (sub-accounts) opened by a credit

organizations (branches).

5. Ensuring accounting and control of cash transactions through

correspondent accounts (sub-accounts) opened for credit institutions (branches).

6. Settlement and cash services for representative and executive bodies

state authorities, local self-government bodies, their institutions and organizations,

accounts of budgets of all levels and bodies of the federal treasury of the Ministry

finance of the Russian Federation, state off-budget funds, military

units, military personnel, employees of the Bank of Russia, as well as other persons in cases

prescribed by federal laws.

Servicing clients that are not credit institutions in the regions,

where there are no credit institutions.

7. Ensuring the protection of valuables, bank documents and bank information

from unauthorized access.

8. Development and submission to the territorial office of the Bank of Russia

forecast for the issuance result for the forthcoming quarter as a whole for the serviced

territory.

9. Establishing limits on cash balances in operating rooms

cash desks of credit institutions (branches), other legal entities and

operational control over their observance in accordance with the current procedure.

10. Control over the reliability of reporting on cash turnover,

compiled by credit institutions.

11. Drawing up a calendar of disbursements based on the data of credit institutions

money to pay for labor and submit it to the territorial office of the Bank

12. Checking in credit institutions of work on compliance with the procedure for maintaining

cash transactions for the clientele served.

13. Regulation of required reserves deposited with the Bank of Russia,

monitoring the timeliness and completeness of the transfer of mandatory

reserves, verification of the reliability of calculations of required reserves.

14. Participation in the implementation of the functional tasks of the territorial institution

Bank of Russia:

In order to transfer the right to provide banks with loans from the Bank

Russia in the prescribed manner;

By his order, participation in inspections of credit

organizations (branches), application to serviced credit institutions

sanctions in the form of a fine in accordance with article 75 federal law"O

Central Bank of the Russian Federation (Bank of Russia)" and others.

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