The head of the Savings Bank has been supporting the American experience of storing information on a simple and universal support. In Russia without a passport could hardly be sound in the street. To enter the building official or commercial organization - ask your passport, buy a ticket on the train or plane - a passport to visit a doctor at a local clinic can only presenting identity cards. You are stopped by the representatives of the police - and you have no documents - will be detained for several hours prior to the establishment of personal data. The impression is that Russia - a country distrustful of itself. Wearing the documents provided to security? A good excuse for officials, but the terrorists also have a passport, and if a problem arises, then buy them from our own citizens. At last St. Petersburg Economic Forum, German Gref took part in a discussion with the president of VTB-24, Mikhail Zadornov. Head of "Sberbank" defended the idea of ??introducing a "universal electronic card, which will contain all the personal information of a citizen: passport, tax and pension information and bank details to make payments. The introduction of the card system will cost 150 billion and will require several years of work. Gref believes that this measure will in future be reduced to 70% of the officials. Zadornov opponent opposes innovation because citizens will offer to use cards with accounts in Sberbank, which would put credit institution, suffering from an already large queues to a standstill.
Wednesday, June 1, 2011
Universal card filed claims
Long time because of the lack of formal rules of accession banks could not join the project of a universal electronic card, but the Economy Ministry announced yesterday the basic requirements for the issuing banks, writes Kommersant. Thus, the main limitation was the minimum capital that must not be less than 3 billion rubles. At the moment, this criterion correspond to approximately 120 domestic credit institutions. In addition, the bank must participate in the deposit insurance system does not have a ban on the Central Bank of any operations within six months, as well as violations of norms of capital adequacy, the current and immediate liquidity. Among other things, the financial institution must have experience in payment cards for at least 3 years old, and the ATM terminal network and a certain level of ratings. Recall that while the project involves only a few banks: Sberbank, "Ak Bars", Uralsib and the Bank of Moscow. Release of the universal card to begin with July 1, 2011. And by 2014-2015. State plans that such a map will appear in every Russian. It is assumed that a universal card would be an analogue of the passport rights, as it will contain dozens of applications social issues: pension, health, education, transport, etc. It will list all payments from the budget, and with it will be possible to pay fines and taxes.
Banks blocked tourist maps
Domestic banks hastily blocked card customers, who last year stayed in some hotel chains in Western Europe. Presumably, the unknown content of the information seized 2,500 banknotes of Russian origin. Donated tourists vacationing in Germany, Austria, Belgium and Switzerland. And the first precedent of fraud have already made themselves felt in Spain, France and Romania. Representatives of the "Alfa Bank said that all clients are potentially at risk of becoming victims of fraud through sms notified of blocking the card. Instead of the bank's credit card users will receive new, completely free. Exchange has already begun and will be moving at speeds of 100-200 cards per week. Similar operation had already spent "UniCredit Bank".
Another way to trick the owner of a credit card
As reported by the officers of "K" the Interior Ministry, the Russian "Zeki" invented a new way of cheating using a mobile phone. This was stated today the spokesperson of the management Irina Zubarev. "At the subscriber's mobile phone network comes sms with the text:" Your bank card is blocked. "Also, the report listed phone number where the subscriber must call to get information about the reasons for blocking the card. Sms in specifying that the call is free. Once caller dials the number, informing him that the bank server crashed and asked to provide credit card number and pin for troubleshooting "- explained Zubarev. Naturally, as soon as the "hick" said his data, he loses all his money on the card, all translated into the mobile phone account, which belongs to the fraudster. It was established that the organizers - people imprisoned in places not so remote, stressed the spokesperson.
FSB has detained an international swindler
Russian Federal Security Service detained several suspects, including Russians Viktor Pleschuka. They are accused of hacking into company computer network RBS WorldPay, which serves bank cards and is part of Royal Bank of Scotland. This writes the British newspaper Financial Times citing an anonymous source close to the investigation. Russian security officials proprosili his colleagues from the FBI not to disclose information on arrests of suspects in order not to compromise ongoing operations, the newspaper notes. In turn, representatives of the Federal Security Service, FBI and U.S. Justice Department declined to comment on the situation. And it was so. In November 2008, 25-year-old resident of Tallinn Sergei Tsurikov, according to the investigation, through a network of RBS WorldPay to gain unauthorized access to data of debit cards used in the U.S. by some companies. He handed the data to their accomplices Tallinn Igor Grudievu, Ronald Tsoi, Evelyn Choi and Michael Evgenovu, whose task was to cash withdrawals at ATMs. Within one day, fraudsters cashed at ATMs in Tallinn more than 300 thousand dollars, writes the Financial Times. But it was only the beginning. By "process" joined other members of organized crime. They cashed in 2,1 thousand ATMs worldwide more than $ 9 million, using a copy of the hacked cards. Money shot in 280 cities in the U.S., Russia, Ukraine, Estonia, Italy, Japan and other countries. But on May 6 last year, the Estonian police arrested Sergei Tzurikov, Ronald and Evelyn Choi, and Igor Grudieva and Michael Evgenova.
Non-cash payments have become more popular
At the end of the last quarter of last year the share of cashless payments in the total volume of transactions using bank cards rose to 9.3% from the data of the Bank of Russia. During this period the turnover of bank cards totaled 2.735 trillion rubles. This is more than the previous quarter to 11.9%.
Savings and Magnitka pleased - peer review of the market
After yesterday's bulls pause again today moved the market to new heights against the backdrop of global indices and lift oil prices. Favorite trades of the chips is likely to again be Gazprom shares, which yesterday had already confirmed their dynamics better than the market. In terms of evaluation by the discounted cash flow fair value of shares of the holding gas is 7-9 dollars we expect a positive opening of the Russian index of 1%. The current year should be a year of recovery of the Russian stock market and bonds next year - the real economy. Today, Dmitry Medvedev and Kazakh President Nursultan Nazarbayev will participate in the Sixth Interregional Cooperation Forum in Orenburg. Sberbank reported second-quarter better than expected. German Chancellor Angela Merkel has said that Opel will be sold Savings Bank and Magna. GM representatives reaffirmed their intention to give Opel is a Canadian-Russian consortium. Magna and the Savings Bank were able to have his own and gain access to intellectual property Opel. Purchase cost a consortium of 500 million euros. Magnitogorsk Metallurgical Combine has published a strong financial reporting under IFRS for the second quarter. Net income for the second quarter was $ 59 million, although the market had expected a loss. However, the growth potential of Magnitogorsk securities at current levels is limited. Yesterday, documents governing the work of a joint venture between the Venezuelan state company PDVSA and Russia's national oil consortium, it includes Rosneft, Gazprom Neft, LUKOIL, TNK-BP and Surgut.
IBRD again expanded the list of payments made in devices and systems, self-service bank
Companies NetByNet, CenterTelecom, Star Trek and Spark joined the list of Internet service providers whose services can be paid through a system of "Internet banking or via the device self-service network WB. Now clients of bank can independently carry out payments for more than 80 suppliers of bulk services, without having to visit especially for the offices of the Bank. "Continued development of the functional value-added services by the Bank primarily for the convenience of our customers. In addition, we strive to offer the same full range of services through various channels self-service "- said Elena Voronina, Advisor to the Chairman of the Moscow Bank for Reconstruction and Development (IBRD), the retail unit and marketing. For a complete list of service providers, in whose favor can make payments at ATMs and terminals of the bank, internet and mobile banking, you can contact the Call Center by phone: (495) 777-000-1 or 8-800-777 - 000-1 (toll free from anywhere in Russia), as well as on the Bank www.mbrd.ru. Info on the Bank Joint Stock Commercial Bank "Moscow Bank for Reconstruction and Development (Open Joint Stock Company) - Russian private bank, are among the top 30 banks in Russia. IBRD is present in the banking market since 1993. (General License of Bank of Russia for banking operations № 2268 from 12.11.2002 years). Assigned high ratings to the bank the world's largest credit rating agencies. In the banking group "IBRD" also includes JSC Dalcombank (Khabarovsk), and East-West United Bank SA (Luxembourg).
Expensive cars - cheap credit
The government intends to extend the program of preferential car loans and remove the constraints on the car's cost, said the head of the Ministry of Economic Development Elvira Nibiullina. While the program will only include those vehicles, the retail price not exceeding 600 thousand rubles. The state program of preferential car loan was launched in April this year. The State compensates the bank that provides loans, 2 / 3 of the refinancing. Recall that since the beginning of the program refinancing rate has decreased from 12,5% to 10%. In the first version of the program were given loans for cars assembled in Russia a maximum value of 350,000 rubles, with an initial contribution of at least 30%. In early July, Russian Prime Minister Vladimir Putin signed a decree that increases from 350 to 600 thousand rubles limiting price level of car prices, for which the government subsidizes the interest rate. In this case, the initial payment for the loan was reduced from 30% to 15%. The program so far involved only four banks: Sberbank, Russian Agricultural Bank, VTB 24 and Gazprombank. According to media reports, are considering to join the program Bank of Moscow, and Unicredit Bank. Credit is given for three years. To compensate for the bank interest rates from the budget will allocate 2 billion rubles this year, 1.5 billion - in the next 500 million rubles in 2012. Thanks to these measures, in September, the volume of car loans rose from August by 1,5 times, and there was a reduction of bank interest rates.
Who earned a catastrophe?
Secretary-General of the Polish Council of memory Struggle and Martyrdom Andrzej Pshevoznika robbed posthumously. Secretary-General of the Polish Council of memory Struggle and Martyrdom Andrzej Pshevoznika robbed posthumously. On the theft of bank cards passenger Tu-154, which killed the political leadership of Poland, said the publication Gazeta.ru. Press secretary of the Polish government Gras Paul distributed information about the theft of two bank cards Andrzej Pshevoznika law enforcement bodies of Russia. Attackers have made the first transaction of approximately three hours after the tragedy. They used ATMs located in Smolensk. From the account was debited an amount equivalent to 1.7 U.S. dollars. "Three of riot policemen who committed this shameful act were quickly apprehended, thanks to the cooperation of the Agency internal security of Poland and the security services of Russia»,