project the U.S. budget for 2011 fiscal year would increase the capital reserves of the Federal Deposit Insurance Corporation. The exact figure is increasing fees until called.

administration of U.S. President believes that the current level of capital reserve requirements FDIC is not enough that the corporation could cover losses of depositors. Currently, capital reserve requirements corporations ranging from 1,15 to 1,5% of insured deposits.

"The current ratio of reserves to the FDIC w1000ith its commitments at the moment does not correspond to those risks and losses that are possible during a recession", - stated in the draft submitted to Congress, the U.S. federal budget for 2011 risk is apparent in the 2011 bankruptcy American banks.

Against the background of mass bankruptcies, in 2009 the Federal Deposit Insurance Corporation actually openly declared a shortage of funds, offering banks pay a commission for the next three years with a small discount. It was expected that this will bring additional FDIC $ 45 billion, however, these measures did not save the situation, and in September 2009, the coefficient that relates to the obligations of the corporation reserves, had a negative value, that is, she had to get into debt. Guide FDIC tried to take steps to replenish its financial assets. So, late in the second quarter of 2009, the organization has collected about $ 5.6 billion due to additional bank charges. When similar problems experienced in 1980, FDIC-90-ies., She received cash infusions from the Treasury.

Financial experts do not exclude that an increase in commissions, which are formed from the reserves of FDIC, could adversely affect the capitalization of small American banks are still experiencing shortages of borrowed resources. "Local banks are mainly oriented to the U.S. housing market, which still does not feel better. The percentage of bankruptcies among them will depend on the macroeconomic factors such as unemployment," - said IHS Global Insight analyst Jan Randolph.

Only in January 2010 in the U.S. went bankrupt 15 banks, while for the entire 2009 declared insolvent and lost their licenses 140 financial companies. At the end of last week because of the insolvency of six U.S. banks, their depositors lost about $ 1.86 billion

for the increasing burden on small banks should be another initiative of President Barack Obama. President of the United States offered to provide $ 30 billion in small regional banks, whose clients are small businesses small business. The new program banks whose assets are between $ 1 billion to $ 10 billion, will occupy the state a sum not exceeding 3% of risk assets, while banks with assets less than 1 billion refinancing can get in up to 5 %.

scale financing of small and medium-sized U.S. banks to facilitate lending to small and medium-sized businesses can affect 8 thousand small financial companies. The initiative has already received approval from the financial sector. The American Bankers Association and Independent Community Bankers of America promised to work closely with the Government and promote the adoption of the program. Funding for this initiative derived from the Treasury of money returned to the State the largest U.S. banks, after the assistance program TARP.

President Obama hopes that small banks to help small businesses create new jobs. "Creating jobs is the number one task for 2010" - do not tire of repeating the U.S. president. Although the U.S. recession ended in late last year, unemployment continues to remain at the level of 10%. "The credit support is very important for small businesses, but its main problem - lack of demand. This is reflected in a reduction in consumer spending, so do not expect a rapid change in the situation until the economy finally recovers from the recession", - said Brian Bethune, economist at IHS Global Insight .