Russia takes on the task to provide and maintain the stability of the banking system, for which the state has increased the amount secured by insurance twice. As a result, the number of fully protected depositors will increase by two million people and reaches 62% of all deposits.
Act to increase the guaranteed payments for deposits in half, to 1.4 million rubles, will come into force immediately after signing it, Russian President Vladimir Putin. He has already been adopted by the State Duma in three readings, as well as approved by the Federation Council . Thus, to take effect it can have up to the end of 2014.
The legislative initiative means that if any of the economic situation and no matter what happens with the bank, in which a person keeps their money, it will be mandatory restored the amount of its contribution not exceeding 1.4 million rubles . Previously applied only to the insurance amount not exceeding 700 million.
After the adoption of such a measure of the number of deposits, completely fall under the insurance will increase to 62%. “The number of depositors, fully protected by insurance to increase by two million people, accounting for 1.6 trillion rubles of funds (9.4% of all deposits). As a result, will be fully insured 62% deposit – a 11 trillion rubles “, – quotes Tass Russian Finance Minister Anton Siluanova.
However, many government actions aimed at to the need to ensure that insurance premiums are not income and banks continued to operate normally. “ The state’s task is now to maintain the stability of the banking system , in order to guarantee payments to the situation reached as little as possible. Our banking system is faced with a number of negative trends this year, related both to limit the inflow of capital and with frequent drop in the value of assets, oil and so on, which naturally led to the fact that banks have strongly increased burden on capital, “- said Siluanov.
” In addition, at the same time, Russian companies are also faced with similar problems. The demand of Russian companies for loans from Russian banks increased. This will lead to a significant increase in the loan portfolio of the banking system in the next year. This requires additional capital. Therefore made solution that covers a wide margin requirements of banks and risks that may arise in any circumstances, “- said the Minister of Finance of Russia.
In order to ensure capitalization of Russian banks from the budget allocated one trillion dollars, which covers the financing needs in all circumstances. Deposit Insurance Agency can get the money by the end of 2014. After the final enactment of the law, citizens can not be afraid for the safety of their deposits if they do not exceed 1.4 million rubles.
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