Digest of the newspaper “Izvestia” on October 1, 2014 (Part III)
Bankers do not see the point SPEND 4.7 BILLION FOR ALL DOPZASCHITU ATMs
Bankers considered excessive requirements of the Central Bank to upgrade ATMs that from July 1, 2015 must recognize at least four security features of banknotes. It all ATMs, and not just those in which it operates receiving cash. Banks, however, believe that everything should be left as it is – and such requirements still impose only to ATM with cash recycling: these devices and take and give money – bills are accumulated in a single cassette, ie money from one customer can go to another. Such devices on the market 1% of the ATM. In fact, bankers are ready to take on increased responsibility for the fake cash, not wanting to spend billions to upgrade devices. The position of the bankers set out in the letter of the National Council of Financial Market (NSFR), sent to the Central Bank (there is a “News”).
All ATMs other than those that allow the client to get the bill not passed through the collectors (cash recycling ), equipped with different cassettes: incoming funds accumulate in a single cassette, customers paid in cash at the hands of another cassette, then there is money do not mix.
– That is fake during collection of the ATM detects a bank and take the appropriate measures, strengthening protection. In this case, customers will not be affected. Another thing ATMs with cash recycling – there is a risk that the fakes will be transferred from one citizen to another, in this case, the additional protection is necessary, – the chairman NSFR Andrey Emelin.
According to Emelina in Russian ATMs with cash recycling only about 1%. Meanwhile, the requirements for retrofitting, he said, unnecessarily applied to the remaining 99% of the classical ATMs. To upgrade a device requires more than 30 thousand. Rubles, said the head of the NSFR. According to the latest Central Bank on July 1 in Russia was 118.2 thousand. ATMs with cash acceptor. The banking market – 857 credit institutions. The largest ATM networks in Cberbank (50 thousand. Devices). VTB24 – 11.5 thousand. ATMs Rosbank about 3 thousand., The bank “Uralsib” – 2.9 thousand., From Alfa-Bank – 2.8 thousand. Still at 16 credit institutions the number of ATMs than 1 thousand. devices. Thus, banks will require billions of dollars in costs to upgrade the devices indicates Emelin.
– Based on the cost of conversion of one ATM in the $ 1 thousand., The conversion of all ATMs will require $ 118.2 million, or 4, 7 billion rubles, – says head of the analytical department of the bank BKF Maxim Osadchiy. – Profit for the banking system of Russia in 2013 amounted to 1 trillion rubles.
According to Emelina, a year across all channels, including through ATMs, revealed a total of about 80 thousand. Counterfeit banknotes. According to the head NSFR, the cost of upgrades commensurate with the level of fraud – especially since bursts of counterfeiting usually are local and their implications quickly stoped by banks by bill acceptors point settings on the account a larger number of signs of authenticity. Emelin also draws attention to the fact that the tightening of regulatory requirements in no way affected the payment terminals that perform the same function of receiving cash.
– As a result, banks have once again created unequal conditions of competition and cost and in terms of the legal regime of operation – says Emelin.
According to the director of the Department of remote banking services Binbanka Alexander Novikov, you need to keep in mind that the change in the verification procedure of bank notes and the use of new devices will lead to a rise in the cost of service issue cash.
– The rate of fleet renewal of all banks will be low enough and will take two years – indicates Novikov. – But for this time, “craftsmen” learn to forge banknotes and for four-bill acceptors. At the moment the number of accidents will decrease, but you need a set of actions, including strengthening of the responsibility for the production and sale of counterfeit banknotes, the central work on changing the software bill acceptors and information banks on the availability of new types of fraud.
Head of department processing and technical ensure the bank “Interkommerts” Dmitry Voronov notes that come true counterfeit banknotes, usually in small shops and markets – where we can hope for the human factor – but not at ATMs, although stuffing fake cash in the unit of credit institutions do occur .
Director processed PSB Alexander Petrov does not consider the requirements of the Central Bank of redundant – we are talking about protecting the interests of banks and customers. According to his calculations, the cost of one ATM upgrade will make 30-60 thousand. Rubles, and the period of the conversion will depend on the resources allocated and the size of the network: for example, for a network of 500 ATMs in the area of process will take 4-10 weeks. Petrov believes that one should not mitigate the requirement to ATMs, and tighten the requirements for terminals.
According to sources, if the Central Bank will meet the NSFR, it is possible that he will introduce for credit institutions additional sanctions – fines and even restriction of operations if it turns out that the bank allows the circulation of counterfeit cash and from its flaws affected customers. Experts believe that the fines can reach 0.1% of the minimum authorized capital of the bank, and the restriction of operations (to work with cash) can be up to 3-6 months. The Central Bank at the request of “News” did not respond.
At the end of 2013 there was a question from the fakes – the big banks, in particular, Sberbank, VTB 24, Alfa-Bank and the Bank of Moscow, hors 5000th bills of -this superpoddelok appearance. Previously it was assumed that the system to protect them thoroughly thought out: used in the manufacture of banknotes hidden picture “diving” colored thread and so on. But the market hit analogs that bypassed security system. Banks until the end of 2013 completed re ATMs and problems with superpoddelkami no longer reported. In the II quarter of 2014 the Central Bank revealed 17.5 thousand. Counterfeit banknotes, which is 16.8% more than in I quarter of 2014 and 17.5% more than in the II quarter of 2013. The most commonly counterfeited bill in the 5 th. Rubles: her in the II quarter of 2014 accounted for 74.1% of all counterfeits detected in comparison with 67.9% in I quarter.
“Economic sanctions must not violate rights CITIZENS “
lawyer and member of the Public Chamber Anatoly Kucherena – THAT ECONOMIC SANCTIONS RARELY achieve their goals
In recent years, to me are increasingly seeking legal support for Russian and foreign citizens who have suffered as a result of economic sanctions imposed by the United States and the EU with regard to Russia and Russian retaliatory sanctions against the EU in connection with the events in Ukraine.
As you know, the United States and other Western countries accuse Russia of aggression against Ukraine . However, in order to internationally recognize the Russian aggressor state and introduce sanctions against it, the UN Security Council should adopt a resolution. To this day, this was not done.
Such a resolution may also be adopted by the Council of Europe at a meeting of the European Parliament on the recommendation of the European Commission. But this did not happen. Thus, from the point of view of international law sanctions against Russia, do not have sufficient justification. Moreover, in my view, the imposition of economic sanctions violates the principle of freedom of international trade, as recorded in the agreement of the WTO.
As history shows, economic sanctions rarely achieve their goals. As a rule, they only contribute to fueling suspicion and hostility between the States and, most sadly, among peoples of different countries. It is unlikely that the Russian leadership under the influence of sanctions to change its position on the conflict in the Ukraine or some other issue. Rather, it will only lead to further growth of global tensions.
It is significant that President Barack Obama and other senior leaders of the USA, has been recognized that the imposition of economic sanctions had no real impact on the position of the Russian leadership. But because of this fact, they have not made any conclusions.
Of course, every state has the right to unilaterally take any action against another state in order to emphasize their opposition to his policies. However, these measures should not directly affect the interests of ordinary citizens, have no relation to this political conflict.
Meanwhile, today, this is what happens. Primarily as a result of the sanctions affected the interests of Western businessmen. Some of them have already signed contracts for the supply of Russian high-tech equipment, or started to implement joint projects. Now, these contracts and these projects are in jeopardy. Thus, these entrepreneurs have been following the well-known Russian proverb, without guilt guilty. They do not just do not do anything illegal, but also tried to follow the calls of the leaders of their countries, which at the time encouraged them to develop economic relations with Russia, drawing exciting prospects of mutual cooperation. And now the fault of the politicians they were left with nothing.
Desperate to get justice, these people ask for advice – what to do. Probably the only legal way for them – this appeal to national and international courts for actions in respect of those national leaders who have initiated or supported the imposition of sanctions. However, this method is hardly realistic. Hardly courts take decisions in their favor, it is doubtful that national leaders become entrepreneurs compensate losses from his own pocket. At best, one can imagine that this will be done at the expense of taxpayers. However, no one asked them whether they are ready to bring such sacrifices.
In EU countries, compensatory mechanisms are already in place. There are special funds intended to partially offset the loss of farmers who have been unable to supply its products to Russia. Apparently, the farmers get the money for what products are designed to be sent to Russia, will they just destroyed.
It is clear that the mutual sanctions will turn the bankruptcy of several companies, rising unemployment, humiliation and suffering of tens of thousands of people . How to reconcile this with the hard-won life itself, the notion that it is maintenance and protection of human rights must be at the forefront of domestic and foreign policy of any democratic state?
President Barack Obama in his speeches on economic issues is not tired to say that the government should give full support to the business. However, it is a result of the sanctions imposed on his initiative, business suffers, not only in the United States, but also in the EU, which are American allies. Among other things, violates one of the fundamental human rights – of free entrepreneurship within the law.
President Obama spoke about the need to get the leadership of Russia to pay a high price for his actions with regard to Ukraine. However, as a result of economic sanctions suffers not the Russian leadership, and ordinary Russian, as well as American and European citizens, especially entrepreneurs, which are the driving force of any economy.
I am convinced that the “war of sanctions” – a dead-end and extremely dangerous path in international relations. It threatens to undo all the positive things that have been achieved during the dialogue between Russia and the West over the past 25 years. These sanctions may provoke a new large-scale economic crisis, despite the fact that many EU countries are not yet fully overcome the consequences of the 2008 financial crisis.
At the moment thanks to Russian and international mediation parties to an armed conflict in the south-east of Ukraine reached an agreement the cease-fire. But despite this, the leaders of the United States and NATO agreed to increase the pressure on Russia, including the imposition of new sanctions. It seems that NATO finally made sense of their existence, and “appointed” his external enemy in the face of Russia.
In my opinion, the leaders of all countries in one way or another involved in the conflict in Ukraine and interested in its resolution, must discard mutual insults and claims and to proceed to a multilateral and continuing negotiation process, the purpose of which – acceptable to all participants in this process, especially for Ukraine, decisions. These decisions, of course, must include the lifting of sanctions. The only way to ensure lasting peace in the Ukraine, the progressive development of the economies of the United States, the EU and Russia, and above all the legitimate interests of the citizens of these countries.
In conclusion, I would like to quote from the Universal Declaration of Human Rights: “All human beings are born free and equal in dignity and rights. They are endowed with reason and conscience and should act towards one another in a spirit of brotherhood “.
Participants of the” war of sanctions “it is time to think about how their actions comply with these words, and as quickly as possible to draw conclusions.
MIA offers to sell “BEAUTIFUL” autonumbers through auctions
In support of the idea of the sale by auction of “beautiful” car registration plates Interior Ministry has already prepared the relevant amendments to the legislation. According to the bill has been drafted, the motorist will be able to stay with a certain combination of letters and numbers, but he will be able to redeem it only through a special public auction. A regular rooms traffic police will issue randomly or on the basis of increasing numbers. According to the Interior Ministry, the sale of rooms through auctions allow replenish budget revenues.
The idea of a possible sale of “beautiful” of car plates presented by Deputy Chief of the Main Directorate for Road Safety Ministry of Internal Affairs Vladimir Kuzin in July 2014. At the same time in the State Duma in the first reading of the bill “On state registration of vehicles in the Russian Federation”, allowing the sale of rooms.
Interior Ministry did not hide the fact that thus intends to fight the shadow market “beautiful” and “thieves” Room with a turnover of hundreds of millions of rubles. In addition, due to this measure in the department intend to break the possible corruption schemes in the sale rooms. Scandals still shaken Center registration and examination work, technical oversight and accounting of vehicles UGIBDD Moscow. Numerous internal checks detected in the center of the disorders associated with registration, accounting, storage and distribution service. As it turned out, the traffic cops laid aside the most “interesting” series of 777 and 77, which then mysteriously found themselves on foreign cars worth about 3 million rubles. A special series of numbers for special services are often issued without further verification.
Now, the Ministry of Interior has prepared for the approval of the government bill to support this idea. Explanatory note follows that produce and assign license plates offered separately to avoid “gray” schemes, in which “beautiful” book room and produced by the budget request for the wealthy motorists. According to plans of the Ministry of Interior, if the car owner wants to become the owner of a particular series, he will be able to order it in advance. However, this number will be exhibited at a special auction where its potential owner will buy it back at auction for the highest price. Innovations will come into force in January 2015 with.
Traditional license plate will be issued in the order of their increasing numerical values, or on the basis of random numbers without reservation for individuals and legal entities separate series or combination of characters.
With the help of the Ministry of Interior plans to auction to supplement the budget, which is now losing money because of changes in the procedure for issuing numbers. For example, now the car owner when selling a car can leave room for themselves or enter it to the buyer. Thus, the fee for the issuance of numbers is not re-charged. Now the fee is 1.5 thousand. Rubles. Money from the auction can also offset the cost of the budget for the purchase of the registration numbers of the manufacturers. For example, in 2013 the cost of purchasing the rooms were about 1.5 billion rubles, in 2014 – 1.2 billion rubles.
Practice shows that the rich motorists claimed rooms with a certain combination of letters and numbers – 333, 777, 77, AAA, LLC. One of the most expensive series are “power” and “government” Series A *** AA99 (from 280 thousand. Rubles), followed by M *** MM99 (from 220 thousand. Rubles), the cost of the other series (T **
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