With regard to private lending institutions, the Central Bank is acting with determination and determination. In case of violations of the same rules, some immediately select a license, while others continue their activities. This year, the Central Bank's policy was criticized very harshly. First of all, this is due to the revocation of licenses from the bank "Yugra", as well as the sanitation of "Discovery" and Binbank. Experts of the international agency Moody's expressed bewilderment by the tough actions of the Central Bank, believing that the root of the problem of banks lies not in violation of laws, but in a poor control system in the entire sphere. For example, the agency's experts drew attention to the fact that the regulator does not publish information on the maximum amount of risk on the parties related to the bank, effective from the beginning of the year (H25). In Bibank, for example, this figure exceeded 700% instead of the maximum permissible 20%. Banks for a long time lived with such monstrous violations, which could be guessed before. Also, Moody's critically assessed the Central Bank as a sanatorium. According to analysts, it is extremely difficult to act simultaneously as a regulator, as a lender, and as a sanatorium. "We doubt that these roles can independently co-exist," the agency notes..

However, in the Bank of Russia expert criticism is ignored and continues to follow the planned path. As Kommersant writes, the goal for the near future is to withstand increasing competition.