Banks will be easier to attract deposits of natural persons

According to the law, the bank will not recognize the specified requirements, if the reporting is recognized by the Bank of Russia unreliable for three consecutive months, if the bank for six consecutive months was not doing the same mandatory standard securities, or if the financial stability of the bank recognized insufficient. Adopted amendments to extend the rules on deposit insurance of natural persons, the contributions of entrepreneurs without legal entity, as well as accounts opened in favor of third parties. Established that ... a person who acquired the depositor the right to claim the deposit after the insured event, is not entitled to indemnity exception is the right of inheritance. Clarifies the rules regarding payment of insurance compensation to heirs. Also states that the Deposit Insurance Agency (DIA) performs the functions of the bankruptcy trustee in bankruptcy of credit organizations. The bill establishes the right of the DIA to realize the object of pledge is to ensure that the obligations of the credit institution. At the meeting, the deputies returned the document to the procedure of second reading and was expelled from his norm, to set higher premium rates that banks pay to the DIA. Previously it was assumed that the banks offering interest on deposits in excess of refinancing to half its value on ruble deposits, or triple the value of LIBOR rate for deposits in foreign currency, will pay higher premiums in the DIA. According to the head of the Duma Committee on Financial Markets Vladislav Reznik, ... CB already has other measures of exposure to the banks who are abusing this right and offer a clearly inflated rates to attract deposits. According to the head of department of market analytics FK "Opening" Valery Piven, the law sets strict deadlines for reporting, and failure to comply with standards for several periods can be grounds for revocation of license of the bank. Thus the Central Bank and after the exclusion of law rules to set higher premium rates, may create difficulties banks, working with "long investment." Analysts NB "Trust" noted that one consequence of the financial crisis is a violation of securities regulations by many market participants. Moreover, it refers to as liquidity ratios (due to a sharp outflow of liabilities and choosing a "liquid assets) and capital adequacy (due to sharp decline in profits caused by the falling value of assets and impairment), but the Central Bank said earlier that during the period crisis will be more loyal to the violators.