Gref proposed to limit the payment of insurance

Prime Minister of Russia Dmitry Medvedev held a meeting about the situation, resulting in the banking center. Participation in the discussion took 1st Deputy Prime Minister Igor Shuvalov, the adepts of the Central Bank, Ministry of Finance, the Ministry of economy, Agency on insurance of contributions and major banks.

Domestic banks are tireless struggle for the contributions of visitors and appeal not only to the methods of market competition, but also try to interest the administrative resources to regulate the sector. The proposal, which could undermine the position of small banks addressed the meeting with Prime Minister Dmitry Medvedev, the head of Sberbank German Gref.

It turns out the entire financial sector in Russia can be symbolically divided into 2 parts. 1 of them are large banks, which offer their own visitors with low interest rates on contributions, but in return gives more guarantees of a favorable destiny of invested cash. Confront them little credit institutions, which lure visitors are too high, sometimes unreasonably, interest rates. However and trustworthiness of such contributions is much less.

However the unreliability of small banks is offset by the fact that state insurance person pays the full cost of its contribution of about 1.4 million rubles. In such a case arose, the people, the head of Sberbank German Gref called "serial savers" - they deliberately carry their own cash to several banks that offer high interest rates and either get profit, if everything goes perfectly, or get a refund from the country and essentially nothing to lose.

From this situation of suffering, first, large banks, which despite its reliability, are deprived of the influx of investors. And directly as a consequence of German Gref has proposed that the doctrine should add in the formed in the banking sector the situation justice. His idea is not to limit the amount of national insurance contributions, and their quantity.

Participation in the meeting with the Prime Minister of Russia Dmitry Medvedev on the situation in the financial sector took 1st Deputy Prime Minister Igor Shuvalov, the adepts of the Central Bank, Ministry of Finance, the Ministry of economy, Agency on insurance of contributions and the largest banks, reports "Kommersant". There Gref and voiced their own initiative, which should be responsible for placing personal funds for the residents. Options for the implementation of the limit of insurance payments, the head of Sberbank offered immediately 3.

1 contains is to introduce a limit of the total volume of insurance payments 1 the depositor in the history of its interaction with the banks. Its size should amount to 3 million rubles. Remember. at the moment, one-time insurance can reach up to 1.4 million rubles, but may be made of a limitless number of times in response of the license of the Bank in which was placed a Deposit.

Path # 2 is contained in that state insurance pot contributions were paid no more frequently than every 5 years. Therefore, if a person will invest their own cash in are not credible banks immediately after receiving prior compensation, he risks to lose your own money permanently.

And the 3rd method is the most specific - to limit the payment of national insurance at one time. Introduced the idea implemented by any of these 3 techniques that can be through amendments to the law on insurance of contributions.

Reaction to the initiative diverse. State officials report that a similar solution could undermine the confidence of the gentlemen to the financial sector. Vigorously oppose the proposal and adepts of small credit institutions. Large banks, moreover, report that the situation will have to settle one way or another, because it deals damage to honest investors and the market.

Other bankers, however, suggest that the implementation of the ideas of German Gref will lead to the liquidity crisis of multiple participants in the money market. "A win from this specifically Sberbank, which has access to the maximum number of funding sources and has no problems with liquidity. Not to mention the loss of many banks the confidence of the population", - said the Chairman of the Board of Loko-Bank Andrey lyushin.

sections: Economics