Finance Ministry came up with a way to prevent premature closure of deposits. Ministry of Finance has developed amendments to the Civil Code that would allow banks to attract "long money" customers on the basis of another type of deposits. A new type of investment would be called "savings certificate". Its distinctive feature is that the investor, putting their funds on deposit, will be able to pick them up, with interest only after the expiration of the term. Currently, the ability to quickly close the accounts represents a certain amount of risk for lending institutions - if someone is satisfied with the psychological attack on the bank's clients, they can run for their money, leading to a liquidity crisis. Savings certificate easily solves this problem. Now operates a mechanism of deterrence. If a depositor prematurely closing a deposit, then his profits are generally calculated on the contribution of "demand", ie less than 1% per annum.
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