Most importantly - do not panic

Andrew G. what to do to the depositor, after learning that his bank collapsed? Most importantly - do not panic. 99% of Russian depositors are fully protected deposit insurance system. What does this mean in practice? Each depositor is useful to know that in the event of bankruptcy of his bank payment of insurance compensation shall begin not later than two weeks after the withdrawal of a bank's license. Money - up to 700 thousand rubles - he returned quickly and without hassle. After learning about the accident, the investor must do all five steps. First, read the message on the order of payments in the local press, on the DIA website or come to the office of the bank, which opened contribution. There is usually one day before the payment posted with the announcement addresses the agent bank, which will deal with insurance payments. Step Two - to obtain insurance to bring an identity document. It is desirable that this was the document which opens a deposit, often it is the passport. Third: we must come to the designated bank branch to pay the agent out there and show your passport. The operator of the bank will check the data on the register and give the investor an excerpt, which will state the amount of insurance. The fourth step, if the investor agrees to the amount of payments, he must sign the statement. And finally, fifth, man must decide what he intends to do next with the money: to get cash, send money by bank transfer to your account at another bank or to sign a new agreement to open a contribution to the agent bank, which he paid the insurance. Approximately half of the people preferred the latter option. Are any amount of interest on deposits? Yes, the investor pays the claim to the entire amount of the deposit, including capitalized (ranked) interest on it, but no more than 700 thousand in the aggregate. In this regard the Agency for Deposit Insurance and Bank of Russia are based on the Law on Banks and Banking, by which time of performance of bank liabilities to depositors deemed to have occurred since the revocation of his license. Suppose you had an annual contribution that you have placed at 10% per annum. Exactly halfway through the insured event occurred, and the bank withdrew the license. This means that on the day preceding the revocation, your account will be charged interest on the deposit in proportion to the actual date of the contract. In this case, an amount equal to 5% per annum. Many Russians, especially Muscovites and Petrograd, open foreign currency deposits. In what currency and the exchange rate is paid to insurance in this case? According to the Civil Code, all calculations are carried out in Russia in rubles. Therefore, the insurance is paid in rubles. Conversion of funds when calculating the amount of payments made under the Central Bank exchange rate on the date of revocation of bank licenses. With the strengthening of the ruble investors profited. Unfortunately, during the weakening of the ruble is bucking the pattern. But since the start date of payments of insurance we have an extremely short (the shortest in the world), then the losses are minimal. As compensation is paid if the investor had several deposits in one bank and the total amount of bank liabilities before it exceeds the amount of insurance payments? The maximum payout in the same bank for a depositor - 700 thousand rubles. This money is paid regardless of what property is left "for the soul" from a failed bank. If the amount of savings you have above the critical level, rationally advance to divide this amount so that it fits within the 700000th abroad, and make deposits in different banks. Then, in case of trouble with them, you will be able to quickly regain their life savings. I personally know a case when, in times of crisis depositor received 1.1 million rubles for two insurance cases. It turned out that both the bank in which she kept savings, went bankrupt. But it saved the forethought: it is kept in one bank 400 thousand rubles, and in the other - 700 thousand rubles. However, the fate of that part of the contribution that exceeds the maximum amount of insurance is also not hopeless. It depends on the quality of the assets of a failed bank: real estate, securities and loan portfolio. According to our statistics, about 80% of six months or a year, investors receive the full remainder of the money. In 20% - fail to return the money part. How do you determine the amount of compensation under the deposit, if the investor had in the bank and credit? The algorithm is as follows: when calculating the insurance deposit is reduced by the amount of the loan. That is, insurance is calculated on the difference between two values: the deposit and loan. But the investor can repay the loan and obtain a complete indemnity. How smoothly and quietly does the procedure of payment of insurance? The biggest influx of investors is always observed on the first day of the payment. Approximately 10-15% of people want to get paid that day. Often it is the elderly. In the following days payments are held in a relaxed atmosphere. In general, the first two weeks since the beginning of the insurance payments received about 90% of the applicants. A case that investors do not come for money? As a rule, people do not come for amounts up to $ 100. Muscovites do not come often for sums of less than 1 thousand rbl. But this rule is violated after the New Year. Then can come and for 50 rubles (laughs). What accounts of natural persons in addition to deposits insured? All insured deposits and accounts, which have in the bank. Part of the Russians mistakenly believes once the deposit insurance system, the accounts of physical persons there are not included. But it is not. Insured all bank instruments citizens: deposit accounts, which lists a salary, credited interest rates on deposits, card accounts, etc. There are exceptions? Not insured by the depersonalized metal accounts (CBOs) have a different legal nature. They are likely to be regarded as a contract of storage. The same fate befell the contributions payable to bearer, because you can not figure out who owns the money. Are not covered by individual entrepreneurs who are open in connection with a business attorneys. You can not get insurance, if the deposit is open in the branches of Russian banks abroad. In this case they are included in other national deposit insurance system. How many contributors have already received an insurance reimbursement? In mid-July 2009, we recorded 74 cases of insurance from the inception of the system of deposit insurance. 161 thousand 347 people have insurance. Total disbursements amounted to 20 billion 358 million rubles. From what sources is formed by the deposit insurance fund? The Fund consists of property contribution of the Russian Federation, insurance premiums of banks - participants of CERs and revenues from the placement of funds in government and corporate securities. Now the main source of replenishment of the fund and contributions are banks, which quarterly list 0.1% of the volume of deposits. Compared with other countries is quite high fees. But we are not in vain, he was held so high: even last fall, in the midst of a banking crisis, no shortage of stock was not, although for the quarter was directed to pay 15 billion rubles. Now the fund has exceeded 83 billion rubles. What will make the agency, if this money for all the victims is not enough? Today, the risk is minimal deficit fund, we estimate less than 0.1%. But even if we assume a fantastic scenario, the Deposit Insurance Law has a security mechanism: if the Board of Directors of DIA sees the threat of shortage of fund, he shall notify the Government of the Russian Federation, which, in turn, within seven days of making the State Duma amendments to the Federal Budget . In order to fund depleted, the economy should go Crisis wave seven times more than last fall. But in the foreseeable future, this incredible event.