Chara is a Russian bank that has affected tens of thousands of depositors, including many members of the theater and cinema elite. In its last stage, it turned into a financial pyramid .
| Chara | |
|---|---|
| Year of foundation | December 31, 1992 |
| Location |  Moscow ( Russia ) |
| Key figures | Vladimir Radchuk, Marina Frantseva |
The bank began with the individual family enterprise of Vladimir Radchuk and his wife Marina Frantseva. Radchuk himself followed in the footsteps of his father Igor Radchuk (film critic, ex-chairman of the USSR State Committee for State Committee), graduated from the Institute of Culture, worked for several years at Soyuzinformkino . Since 1988, he was engaged in commerce.
The bank was registered on December 31, 1992. In September 1993, he began to accept money at high interest rates. At the same time, large amounts were withdrawn abroad [1] .
Chara Bank was part of the Chara-Holding company. The founders of the bank were Fortex LLP, Chara - St. Petersburg, IChI 3 ER, Inkom-Soft, Trefa, Yuriompeks Law Agency [2] .
From the very beginning of its activities, the bank had clashes with the Bank of Russia, as it conducted banking operations without a license. Then, perhaps, the intervention of representatives of the creative intelligentsia, including Bella Akhmadulina , helped. On September 8, 1993, Chara received a banking license (CBR license No. 2487). By October 1, its paid authorized capital amounted to 5 billion rubles [2] .
In the summer of 1994, a protocol was signed on the collective responsibility of the holding structures to third parties (and this means to investors). And on October 18 of the same year, the bank stopped paying its depositors. On March 14, 1996, the Central Bank revoked the license for banking operations from Bank Chara [3] according to the official wording “due to the bank’s failure to comply with federal laws governing banking activities, Bank of Russia regulations, unsatisfactory financial situation, and failure to fulfill its obligations to investors and creditors, non-compliance with mandatory ratios, non-compliance with accounting rules, reserve requirements, deposited with the Bank of Russia, and non-compliance regulations of the Central Bank. " On this day, the bank's debt amounted to 131 billion non-denominated rubles, which amounted to approximately 27,133 thousand US dollars at the official exchange rate at that time.
The version was expressed that the deficit was formed when the ruble fell , and depositors wished to receive increased dollar deposits [2] . One of the options to save was to pay interest on expired deposits by attracting new ones - that is, turning into a financial pyramid.
In November 1994, one of the founders, Vladimir Radchuk, was found dead in his own bathroom [1] [4] [5] . His wife, Marina Frantseva, was on the federal wanted list from autumn 1995 to spring 1996. It is known that in 1996 she left Russia [6] . Arrested in 2004 at her cottage in Zhukovka [1] .
See also
- Mmm
- Sovereign
- Tibet (firm)
- Russian house of Selenga
- Khoper-Invest
Notes
- ↑ 1 2 3 The head of Chara-Bank was detained for the theft of Gillis’s picture “Beating the Babies”
- ↑ 1 2 3 “Chara Bank”: there will be no kina In the magazine “ Kommersant. Money . " No 2 (3) from 10.26.1994
- ↑ “Charu” was drank to the bottom in the magazine “ Kommersant. Money . " No. 11 (71) of 03/27/1996
- ↑ Chara-Bank was left without a president . Kommersant (November 26, 1994). Date of treatment January 7, 2015.
- ↑ Konstantin Shor believes that Chara Bank is not hopeless . Kommersant (December 1, 1994). Date of treatment January 7, 2015.
- ↑ Biography of Maria Frantseva In the encyclopedia "100 Great Adventurers"