s moscow correspondent surratt reports from xians bank and oakridge here are just two of the financial institutions that russia's central bank has stepped in to see decisions that cost millions further losses could be on the horizon reports suggest that some one hundred fifty banks in the country are on the brink of collapse lack of capital is a major problem. from what i read bunkers from three groups the central bank maintain strict oversight of the small and medium sized financial institutions but it's more lenient towards the big banks they adopt the principle of too big to fail . if you bring a sort of big bill for you. the central bank traditionally intervenes to prevent the demise of major banks smaller privately owned financial institutions are more likely to lose their licenses if they are too low on cash. you might have the system of regulation and supervision aims to promote competition strict oversight encourages competition. it's pretty even. the reality on the ground however is that state owned banks are increasingly lending to state owned companies the effect of all this