Citizens may prohibit withdraw deposits from banks

CB leaves no attempts to introduce into Russia irrevocable contributions. The relevant bill will be worked out by the end of the year. About this newspaper Vedomosti on Monday, May 30. The fact that the Bank of Russia plans to finalize a bill to impose irrevocable deposit in 2011, said the director of the department of licensing and financial rehabilitation of credit institutions the Central Bank of Mikhail Sukhov. He clarified that a certain period of repayment of deposits will be: "The citizen must be a psychological belief that he can come to the bank and get your money back." How the investor will withdraw their funds, Sukhov not specify - the debate continues. Presidential adviser Arkady Dvorkovich supports the idea, but points out that it all depends on how it will be realized. In Western countries, almost anywhere irrevocable contributions in pure form can not be found, marks the first deputy chairman Gennady Melikyan. There, banks are actively using the advance notice - usually for two weeks, he describes. Client in some banks pay only a fraction of percent, and in some interest at the rate he does not get at all. For this version of the bends and the Central Bank, the director of the department of banking regulation and supervision of the Central Bank Alexey Simanovsky: "The project, which will include a notice is promising, but one that will introduce" serfdom "on the contribution - is unlikely." "The idea nedodumannaya long, and rescues her only that such contributions are mentioned in the strategy [of the banking sector up to 2015] - skeptical Pavel Medvedev, a member of the National Banking Council. - For banks, fearful not review contributions, and Panic: now the vast majority of contributions (98%), insured, and to think that investors will flee en masse from banks in a situation similar to October 2008, does not have to. " Then worked effectively increase the insurance payment on deposits from 400 000 to 700 000 rub., Irrevocable contributions is unlikely to be triggered, it is recognized retail leader of one of the state banks. Introduction irrevocable contributions - "the idea at best meaningless and at worst - a pest, said earlier in an interview with Vedomosti CEO DIA Alexander Turbanov. But such a tool is needed in the future, it will enhance long-term resource base of banks, indicating chairman of the Association of Regional Banks of Russia Alexander Murychev. Note that bills imposing irrevocable deposits are periodically made to the State Duma, but there were not adopted.