Two months to think
Authorities can change the order of payment of insurance compensation on deposits to increase the responsibility of the contributor for the selection of the bank – to work on this issue, Prime Minister Dmitry Medvedev instructed the Ministry of Finance and Ministry of Economic Development in cooperation with the Central Bank and the DIA. On Friday Interfax reported, citing a source familiar with the outcome of the meeting with Medvedev on March 13, which was given this assignment. Information on the instruction RBC confirmed Deputy Finance Minister Alexey Moiseev, and a source close to the Central Bank.
Now the depositor after the revocation of the license of the bank receives a wholly refund of the deposit within 1.4 million rubles. “The insurance industry has proved to be so reliable that citizens often do not pay attention to what bank they give their money,” – says Moses. According to him, the Finance Ministry has not yet addressed the specific options, but they are few: the deductible (payment of 90% of the deposit amount and accrued interest within the insured amount) or refund only the amount of the deposit without interest. Moses said that the Ministry will present its proposals for a month. Deadline orders all relevant agencies – May 14, Interfax reported. The Bank of Russia will submit proposals by the deadline, said the representative of RBC Bank.
Insurance expense of others
Two sources RBC, close to the government, saying that with the idea to revise the system of insurance at a meeting with President Medvedev spoke of Sberbank German Gref. The representative of the Savings Bank declined to comment.
State banks have long criticized the current system, in which most of the contributions to the Deposit Insurance Fund (because of their size), they do, and use them to attract depositors under the high percentage of all the others.
«I would not generally offered to compensate 100% deposit together with interest, as, for example, to compensate only the main body of the deposit, and interest of the people left at risk. This forced them to treat wiser to invest money, “- said the TV channel” Russia 24 “Gref. According to him, investors’ love to play in the financial casino “:” They shifted from bank to bank, catching a higher interest rate. Thus they create a fertile ground for the builders of financial pyramids ».
A similar thought is expressed,” Izvestia “head of VTB 24 Mikhail Zadornov,” I do not understand why investors should VTB24 de facto pay for risky behavior as customers of small credit institutions and their owners. Because I think that the rate of contributions to the DIA for large banks to be reduced, and the rules for compensation changed to people still loses something – interest accrued during storage contribution, or 10% of the deposit, if the bank became insolvent ” .
Bank encourages banks to attract funds from the public is not more expensive than the average maximum rate of the top 10 banks plus 3.5 percentage points. Who is the recommended maximum is 17.02%, but the market there are suggestions on deposits with a yield of 18-19% per annum.
One of the measures, which should make the system more fair, in terms of the big bankers already adopted. Since July 1, introduced differentiation contributions of banks in the deposit insurance fund, depending on the level of deposit rates. Introduced increased and additional rate increase, they will pay the banks, deposit rates are significantly higher than the average calculated by the Central Bank rate. Deputy chairman Michael Suhov estimated in February that if the system is already working on a new, 48 banks would pay at a rate that is higher than the base 200 points, and 36 banks – more than 200 points. So far, the insurance premiums for all banks are the same – 0.1% of the average quarterly residual deposits of individuals.
The moment of bad
Banks differently evaluate the proposed reform.
The introduction of the franchise needed, plus pr edlagaetsya think about that the investor could use insurance once in a lifetime or for a long period, said the director of retail non-transactional products Sberbank Natalia Alymova. But at the same time she did not like the idea of paying only the deposit amount: Interest difficult to isolate separately: they may be capitalized partially removed, then the contribution can be replenished, and lift the whole history of contribution to a complex algorithm to isolate the interest, it is not reasonable.
Predpravleniya OTP Bank Chesakov George, on the other hand, believes that the most rational solution would be a cancellation insurance percent. Investors will be confident that they will return the body of the deposit, and decide what is more important – high interest rates, but at the risk of loss in the event of a bank failure, or lower, but with a guarantee of payment. Chesakov believes that the franchise entered prematurely: “It may be some outflow of deposits from small and medium-sized banks, which will create a number of difficulties, which are unlikely now need our banking system».
Deputy Chairman of the Board of Investtradebank Svetlana Kroshkina believes that the introduction of a franchise will lead to movement of funds of depositors in state banks, and “cut off” the interest is really difficult. “The Central Bank has all the methods of regulating the activities of unscrupulous banks”, – she added.
Predpravleniya bank “Tinkoff” Oliver Hughes says that the mechanism for increasing the responsibility of investors needed, but for the time of its introduction is not the best – it is necessary wait to trust in private banks restored.
The old idea
The current attempt to limit the insurance payments to depositors is not the first.
In the crisis of 2008, when the amount of compensation was increased from 400 thousand . to 700 thousand . rub., the State Duma approved the bill on which citizens could receive 100% contribution to the 200 thousand . rub. and 90% – from the 200 to 700 th . rub. However, the Central Bank has opposed the franchise, as a result of the project deputies corrected so that a wholly-owned insurance was extended to the entire contribution to the 700 thousand . rub.
In the autumn of 2013, when the Central Bank revoked the license of Master Bank, the authorities have considered the issue of increasing insurance with 700 thousand . to 1000000 rubles., Economic Development, etc. edlagalo increase the threshold with the condition of the franchise: 90% contribution compensated by the state, 10% will take the depositor. However, if this option has not been approved.
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