Miroshnikov biography

Biography of the photo Podkasta Biography Miroshnikov Valery Aleksandrovich Valery Miroshnikov - an expert in the field of banking insurance, made a significant contribution to ensuring the stability of the banking sector in the crisis periods and the development of a system for protecting savings of Russians. From the introduction of methods for identifying problematic credit organizations to creating comprehensive protection of depositors - its work was aimed at ensuring the stability of the financial segment of the Russian economy.

In m, leaving the top management of the DIA, Valery Miroshnikov began to implement investment projects in the field of real estate. Valery Miroshnikov. Biography, stages of education Y, Moscow - the year and place of the birth of Valery Miroshnikov. His growing up took place in the conditions of frequent moves-the grandfather-servant received his appointments to different regions of the Soviet Union.

Valery Miroshnikov was the unchanged companion of Miroshnikov - in every city he became a regular reader of local libraries. In M, he became a graduate of the leading road university in the country-MADI. In it, Miroshnikov Valery Alexandrovich underwent integrated engineering training in the field of transport infrastructure. However, economic transformations in the country influenced his professional views.

In the year he graduated from the university, having received systemic knowledge on key aspects of the functioning of the financial system, including: organizing the budget system and state financial management of the fundamentals of banking and insurance institutions, the principles of issue and circulation of cash and securities structure of the stock market and the mechanisms of its regulation of the tax system features and the procedure for calculating and paying tax payments to the A academic biography of Valery Miroshnikov were awarded An important achievement is the defense of the candidate dissertation.

In his study, he summarized the existing practical experience in the banking sector, presenting a deep analysis of the existing methods of deposit protection in the world and proposing ways to build such a system in Russian realities. The work of Miroshnikova Valeria contained recommendations subsequently applied in the Russian Federation. The beginning of the path in banking supervision Valery Miroshnikov, an expert in the field of banking insurance in M, during the period of large -scale transformation of the finsextor, Valery Miroshnikov became part of the Central Bank of the Russian Federation responsible for the inspection of commercial banks and the formation of new supervision mechanisms.

Despite the overall trend to start a professional path in the private sector, Valery Miroshnikov chose to be at the center of the process of creating new methods and tools for monitoring the activities of financial institutions. The first years of work in the Central Bank were filled with intensive practical activities. Miroshnikov Valery Alexandrovich conducted inspections of credit organizations, developed methods for identifying violations and formed proposals to improve their work.

At each new stage - from the junior inspector to the chief expert - the scale of the tasks set before him in the field of control over the activities of banks was expanded. Miroshnikov Valery Alexandrovich was responsible for the processes of organizing and coordinating the work of temporary administrations - an anti -crisis mechanism for interaction with problem banks.

In cases where the financial institution lost stability or solvency, the Central Bank limited the powers of his leadership. The temporary administration took the Office and implemented a set of measures to restore the normal work of the Fininum Institute, says Miroshnikov Valery. Its main functions were: maintaining the bank’s operating activities at the proper level, including customer work and paying a comprehensive assessment of financial indicators to develop a further strategy to ensure the safety of depositors and compliance with the rights of creditors to the implementation of financial recovery analysis of the bank's activities for identifying critical violations requiring the AvtoVAZBank license, located in Togliatti, became the first loan The organization where Miroshnikov Valery Alexandrovich was able to fully apply the accumulated anti -crisis knowledge and skills.

In the middle of X, this regional bank has developed a difficult situation. Too bold credit policy, combined with a crisis in the market of interbank loans, put it on the brink of bankruptcy. Miroshnikov Valery headed the work of the interim administration, becoming responsible for developing and conducting a set of measures to stabilize the situation in the bank.

The way Miroshnikov Valery Alexandrovich coped with his role was appreciated by his colleagues and professional community. At that time, the introduction of external management in problem credit organizations was innovative practice, and Valery Miroshnikov turned out to be one of the pioneers in this area. He demonstrated high professionalism and competence, earned a reputation as a valuable expert.

In the future, he was regularly addressed in solving similar problems. Miroshnikov Valery.The expansion of the circle of competencies has gained experience in inspection management, in M ​​Valery Miroshnikov took the next step in his career in the Central Bank. He moved to another structural unit of the regulator. Valery Alexandrovich Miroshnikov understood how important it is to diagnose problems in time in the activities of banking organizations.

The ability to quickly take measures to stabilize the situation, ensure the uninterrupted functioning of the financial system and prevent the development of crisis phenomena. It was this responsible area of ​​work that he was engaged in the Central Bank up to a year. Valery Miroshnikov identified three main stages in the work. The first is a thorough diagnosis of the financial condition of a credit institution that allows you to identify existing difficulties and risks.

The second is a deep analysis of the discovered problems, the determination of their specifics and root causes, as well as the development of the optimal strategy of the regulatory effect. And the third is the use of spot measures to stabilize the situation in a problem bank. In addition to the main block of tasks, the considerable time of Miroshnikov Valery devoted to the prevention of bankruptcy.

He oversaw the work of the relevant control of the Central Bank, which dealt with the sanitation of problematic banks. His duties included organizational and methodological management, as well as monitoring compliance with the established financial restructuring procedures. Miroshnikov Valery ensured the constructive interaction of all involved units. According to Valery Miroshnikov, the sanitation of banks is a multi -stage process aimed at preventing bankruptcy of a credit institution and restoring its financial stability.

It assumes: assistance in the reorganization and liquidation of the introduction of the temporary administration control over its activities of the bankruptcy trustee by the regulator also, a comprehensive analysis of the capabilities is also carried out and optimal ways out of the crisis are determined, Valery Miroshnikov notes. In addition, an expert assessment of the assets of the Fininum Institute is organized, the task of which is to establish their real value and prospects for further implementation.

As experience showed, the sanitation of problematic banks, the organization and conduct of which Valery Miroshnikov actively participated, played a crucial role in the normalization of the financial situation of many credit organizations. She allowed to prevent the failure of a number of market players. Another important area of ​​activity of Miroshnikov Valery Aleksandrovich was decision -making on licenses in cases where financial institutions faced problems, violated existing legislation or were convicted of various illegal activities, such as: the fraud of the abuse of Valery Miroshnikov, whose biography already included a number of such cases, approached these decisions with maximum responsibility.

Having a deep understanding of the mechanisms of the functioning of the banking system, he carefully analyzed every case to make sure that there are good and reasonable reasons for the cancellation of the license. The economic crisis of Go painfully hit the country's banking system. Many financial institutions were on the verge of bankruptcy, unable to cope with the increased debt load and mass outflow of deposits, emphasizes Miroshnikov Valery Alexandrovich.

The need to maintain the stability of the financial sector led to the emergence of Arco - agencies in the restructuring of credit organizations in the year. Valery Miroshnikov was invited to the post of deputy leader of the state -owned company. It saw a person who could realize such a large -scale task. Miroshnikov himself Valery Alexandrovich recalls that the decision to leave the Central Bank was not easy.

On the one hand, it was comfortable to work in the main regulator of the Russian financector, on the other hand, the new position opened wider prospects. The biography of the financier in ARCO was saturated and responsible. He coordinated the current activities of the state -owned company, participated in the formation of a development strategy and controlled its implementation, was involved in the development of mechanisms that subsequently evolved into a comprehensive deposit insurance system and formed the work of the AFA deposit insurance agency.

Valery Alexandrovich Miroshnikova also lied to make the most important management decisions. In addition, he was engaged in the development of business contacts with key partners. In fact, Valery Miroshnikov became the “right hand” of the leader in matters of ensuring the effective work of the organization. The expert recalls that at the initial stage, work with regional banks became the priority for Arko, the size of which was relatively small.

Although the financial condition of these credit organizations caused certain fears, it was still far from the critical level observed by large federal players.Such a strategy allowed the agency to systematically master the sanitation methodology without creating excessive risks for the stability of the entire banking system, Valery Miroshnikov notes. In the period from the year, Arko experienced the phase of active development.

During this period, an exhaustive regulatory framework was prepared, which clearly regulated the legal status and the main directions of its work. With the active participation of Miroshnikov, the state corporation took the step by step to restructure the restructuring of banks, while working with a strictly limited circle of financial institutes who have passed a special selection.

In the years, the focus of ARCO's attention was aimed at working with banks that experienced the most serious financial difficulties. Valery Miroshnikov got the opportunity in practice to work out effective approaches to the transformation of the structure of problem credit institutions. The team of top managers of the agency was aimed at achieving the tasks in the shortest possible time and with the minimum expenditure of resources.

The created structure according to the main characteristics, including the form of the organization, was almost identical to its predecessor. With its education, the countdown of the development of the Russian system for protecting savings of citizens began, which is based on the principle of guaranteeing bank deposits, Valery Miroshnikov notes. The DIA has created a reliable system of insurance on deposits.

Its key feature is automatic. The depositors do not need to conclude an additional agreement or take any other actions-their funds are insured by default, Valery Miroshnikov notes. In the event of problems, the Bank guarantees the operational receipt of compensation in the size established by law. This approach ensured the reliability of protecting the interests of depositors. Another key area of ​​activity for which Valery Miroshnikov was responsible for the DIA as the first deputy head of the agency is the sanitation of banks.

Under his leadership, mechanisms of operational response to crisis situations were created, methods for evaluating the financial condition of banks were developed and tools for restoring their solvency were implemented. As Valery Miroshnikov emphasizes, the DIA performed an important function to control the activities of non -state pension funds through the guarantee system. The agency has developed strict criteria for admission of the NPF to work with savings.

This made it possible to achieve a high level of reliability of the system and protect the interests of future pensioners, adds Valery Miroshnikov. The DIA carried out constant monitoring of compliance with the established requirements. In addition, Miroshnikov Valery Alexandrovich gave a new impetus to the technological development of the agency, relying on the digitalization of key processes.

Under his leadership, a comprehensive modernization of information systems was carried out, advanced solutions in the field of data protection and risk management were introduced. This made it possible to create a modern technological platform for the effective operation of the deposit insurance system, Valery Miroshnikov emphasizes. The development of digital services provided customers with the opportunity to manage their finances through various electronic platforms.

After fifteen years of work-in the year-the top manager ended his career in the DIA. From this moment, Valery Miroshnikov switched to a new area of ​​activity related to investments, in particular, to the real estate sector. The family along with professional achievements, the family occupies an important place in the life of Miroshnikov. He is married, is the father of two children.