What do bankers and other market participants on the hottest events of the economy that occurred in a week? Earthquake in Japan All last week an earthquake in the country of the rising sun was the main news of the world. Cataclysm affected the country's financial system: national indexes fell sharply, the yen was reduced, and the restoration of damaged region will need up to $ 150 billion, Andrei Zakharov, analyst at financial services company "Ankorinvest: Massive earthquake in Japan could have a significant pressure on world stock markets, including on the world economy. Japan is the third economy in the world and plays an important role in international trade and economic relations. As for the insurers, it should pay attention to the potential losses of companies engaged in the reinsurance business. For example, the recent earthquake in New Zealand has yielded significant losses of U.S. reinsurance companies. The Japanese Government will take significant resources to foreign markets to restore economic facilities in the country, in this case will experience increased demand for food (cereal and industrial crops), coal and steel. Demand for oil falls, which can put pressure on world prices of "black gold". Payment systems under the threat of Russian presidential aide Arkady Dvorkovich promised that the new law "On the national payment system will not be limited to the activities of payment systems« Visa »and« MasterCard ». Elena Nesterenko, Deputy Director of corporate payments and liquidity management of Barclays Bank: establishing a national payment system (NPS) in Russia is a strategic one, precisely because the initiative to create a pumping station came from the state. It is believed that having an independent payment system, the state gets the opportunity to better quality control of cash flows. If the bill would require prohibit the transfer of data on transactions abroad, in such a case, it turns out to create a single Russian processing center - a center that it will be and what money is there - is the question. In any case, the NPC - a project in which you want to define the inter-bank rates, fees for processing, structure calculation and so on. I do not think that the implementation of NPS use of bank cards of international payment systems in Russia will be limited. But because the information issued in the Russian maps, which take place inside the country, come over the border there will be no traffic on the ICS significantly reduced, which will undoubtedly affect the cost of services by the MPS. Igor Antonov, Director of the Directorate of Product Development "TCB": The idea is very interesting and given the attention that has recently given the country's leadership to this issue, you can be sure that this time such a project will take place. However, until now remained open technical issues. Prior to January 1, 2012 there is little time, and project details are not yet known and it is not clear where to enter the banks, who will serve, protsessirovat, provide methodological support, etc. At the international payment systems in this direction has accumulated vast experience and trained personnel in our country, this has not yet seen. Moreover, in Russia at the moment there are no proper chip technologies meet these demands or at least they are not certified. Probably, as the project will be a division of cash flows for domestic and international, ie citizens within the country will benefit from the combined card and, if necessary to travel abroad to issue international cards. In any case, the full implementation of the project will take years. We look forward to the conditions and requirements for banks to join the system. Leonid Morozov, Deputy Chairman of the Board of AB Finance: None, except Russia in the near future will not support a national payment system. I do not believe in the prospects of creating a payment system that would compete with the West. Abandon «Visa» and «MasterCard», means "to put an end" to the maintenance of international systems in Russia and abroad. Oksana Bocharova, head of department on work with plastic cards "Express Loan": I think that the national payment system with advanced infrastructure maintenance card will be effective in the organization of scholarship allowances, social security payments, payroll. With its development of non-cash transactions turnover committed in the territory of the Russian Federation, gradually spill over from the international payment systems in national. However, to maintain cross-border national payment system is not able to compete with international ones. Russian citizens traveling abroad or shop in foreign trade and service enterprises via the Internet, has fully appreciated the advantages of using international cards and do not abandon their use. Bankers urged to join the Head of Russia's largest banks have written a letter to the heads of the Regional Banks Association and the Association of Russian banks with the proposal to unite in a "trade union". Igor Antonov, Director, Product Development, "TCB": Perhaps it is logical and expected a proposal that would bring together the efforts and expertise more actively defend the interests of the banking community. The main thing that the personal ambitions of leaders of associations did not prevent this useful initiative. Collectors outlawed? Head of Rospotrebnadzor Gennady Onishchenko, said the illegal activities of collection agencies working in Russia. Concerns Chapter Rospotrebnadzor due to the fact that his department can not influence the frequent illegal actions of collectors - when the debt of the borrower to a third party, he ceases to be a consumer and has no right to demand quality services. Igor Moskalev, Vice-Chairman of the Board of AB Finance: When a contract of loan, the bank takes the consent of the borrower of the possibility of transferring his debt to third parties. I certainly agree that this matter is entirely in the legal field, and without the consent of the citizen's duty to transmit to others can not. Transfer of debt collection agencies - is an extreme measure, when the borrower does not recognize the need to service debt, avoids contact with the bank. Elena Dokuchaev, CEO of Sequoia Credit Consolidation: We can not say that the collection agencies operate outside the law or the legal field. Activities of collection agencies is legitimate and is part of the law. Collection agencies operate on the basis of Civil Code agentstkih agreements and processes that they enter into with the creditors, and have been working to recover the debt on behalf of the lender. Currently there is no single law regulating collection agencies. However, in his work collection agencies governed by the Civil Code, Criminal Code, Federal Law "On Credit Histories", Federal Law "On Personal Data, the Federal Law" On Enforcement Proceedings "and other regulations. Also today, the activities of collection agencies are regulated by two professional associations. To join them, to voluntarily comply with certain professional standards and not stoop to their violation. During the years of our association NAPCA (National Association of Professional collection agencies) none of its members had been expelled for violating professional ethics, and that says a lot. I believe that as long as the professional community has been able to organize themselves to such a civilized level, hard to regulate and control it from the state - is unnecessary. Nevertheless, control by, for example, Roskomnadzora in the form of certification is probably still needed. By the way, the organization sent the majority of complaints from debtors, by all means try to avoid repayment. Now is actively working to create a bill "About activity on collecting arrears. The law required us not to facilitate our work. He needed to clearly define the relationship between the debtor and creditor, we in law to secure them. In addition, it is necessary to identify and requirements by collectors. Today, virtually every citizen can open a collection agency, methods of work which no one will be monitored, and this, in turn, can be dangerous for debtors and cause reputational harm to the entire industry back the debt in Russia. The law can serve as a "watershed" between the collector business professionals and those who do not know any other reasons for talking with debtors, except pressure and threats. Of course, I would like to see the law on debt collection activities entered into force tomorrow. But even if this is true, would still take considerable time to "to settle" it with other laws, to eliminate all possible legal conflict, that this law actually earned, appeared to law enforcement.
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