How to open a bank: how many tips
Human activity is multifaceted. The most profitable is banking. With all the attractiveness of the banking business to enter this market is not easy.
Many people are interested in how to open a bank. The simplest answer: you need effort, diligence and you need to invest a lot of money.
The main answer to the question of how to open a bank,concerns the minimum authorized capital. It must be at least 300 million rubles. At the same time, it should be borne in mind that significant financial expenses are required by office and bank equipment and the premises for the banking institution. Answering the same question, how to open a bank, you can not fail to mention the legal design, the payment of staff, the organization of the protection system and other expenses. The total amount will be hundreds of millions. To cope with such costs without serious investors is unlikely to succeed. Being interested in how to open a bank, one can not help asking about the payback of a commercial bank. And this is an average of 5 to 10 years of hard work.
By commensurate with your possibilities and real calculations,you can try to open your own business related to banking. To do this, you must obtain several licenses. A general license from the Central Bank of the Russian Federation is mandatory. We need a document issued by the Federal Commission for the Securities Market, giving the right to the relevant operations, including the conduct of transactions with precious metals.We need constituent documents in the form of a permit,issued by the State Customs Committee, a registration certificate from the State Assay Inspection Authority for manipulating jewelry. And we need a profound and serious analysis of the situation in the country, a realistic forecast of the economic and political situation for several years to come.
To open a business, you should first develop a business project that assesses your own financial development opportunitiesenterprise. It is necessary to determine the circle of persons of future partners and founders. It is necessary to submit documents confirming the legitimacy of origin of own funds, to check documentary reputation of founders for lack of conviction for economic crimes,for fulfillment of financial obligationsbefore the state and citizens of Russia. The preparatory organizational stage includes the definition of the form and name of the enterprise (LLC or joint-stock company), the formulation of the memorandum of association and the charter, agreed with the founders, partners.
An important point is the selection of personnel. The structure of bank management with various functional services and divisions is determined, the functions of the institution and its regime are optimally distributed. After all the preparatory activities with the preparation of the complete necessary package of documents, the registration procedure of the enterprise is carried out.