Facing the depositors

Alexander Lebedev

Alexander Lebedev can be attributed to any debt partially or completely ... with the exception of the debt of honor. To the degree of this moral category, I am the responsibility of the executive branch and the Central Bank to the depositors, whose money hung in bank banks after August 17 last year. The first real measures to return the “collapsed” deposits to the victims of the assets of insolvent banks were adopted only recently by ex-Prime Minister Sergei Stepashin. To the honor of the general, it was with this step that he began his short stay as head of the White House, immediately declaring the recall of licenses for simulating the viability of bankrupt banks to ensure the interests of depositors. I would like to hope that the good business he has begun will now continue the new prime minister. However, the direct duty to fulfill the debt to the depositors to the end lies on the Central Bank of Russia, the competence of which includes issues of monitoring and regulating the banking sector. In addition, we are not talking about a single case of violation of the rights of depositors, but about the need to restore the trust of deceived citizens to the banking system on a country's scale. Actions aimed at fulfilling this non -tolerable task should be to match it - decisive, uncompromising and large -scale. To return the money lost to the owners, you should immediately arrest bankrupt assets. If they are hidden by fraud in reliable places, to extract them in all legal ways from the "hiding places". At the same time, having changed the legislation, it is necessary to deploy illegal transactions for 5 years, not 6 months, and to punish all those who have not fulfilled obligations to depositors not only after the August crisis, but also for the last years. Unfortunately, a lot of such banks have accumulated. On the surface - "Imperial", Inkombank, Tokobank, uncombank, SBS -AGRO, MOSBUSBUSBANK. And how many discreet signs are in the depths of the phenomenon! That is why it is necessary to change the legislation in order to get to the bottom of everyone. According to experts, deposits of individuals in the so -called system -forming banks that appropriated the money of their customers were on average 7 percent. It is easy to figure out that to return these 7 percent in any bankrupt bank there were enough assets. Why, then, the money is not returned? But because the state of morals in Russia is still determined in one word: steal. The reason for the connivance of this is fear. It’s simply that our power is still weak. In this case, in the person of the Central Bank, she is afraid of the consequences. Meanwhile, it is necessary to act, despite the surnames, lobbying opportunities, communications, intimidation. It should be remembered that power exists in order to protect the interests of citizens who endowed it with proper powers. Accordingly, the Central Bank must protect depositors from the arbitrariness of shareholders and bankrupt banks - a narrow group of people who abducted several billion dollars and hid them in offshores and overheads of personal yachts. But let the desperate investors know, it is absolutely real to extract their money from there if you resort to the above hard measures. However, for starters, it is necessary to change the management of the Central Bank - the current one is not able to restore justice. The past year is a sufficient time to make sure of this. Recall what the Central Bank has been doing since September 1998. He distributed stabilization loans to hopeless banks according to the Famusian principle of "kinship and properties", without requiring them the unconditional fulfillment of obligations. Now it is obvious that the Central Bank’s subsidies spent by these banks had nothing to do with the interests of the depositors, and they did not really contribute to the resuscitation of bankrupt. Thus, the Central Bank only created the appearance of “complex measures” to improve the banking system, but in fact exacerbated the deplorable state of sick banks and purposefully undermined confidence in the completely healthy, leading an inexperienced depositor to the idea that all Russian commercial banks with one Mazana Mazana. The management of the Central Bank has reached this goal. Most Russians now do not trust banks at all, whether commercial or state institutions, but they prefer a grandmother's way of accumulating money or converting domestic currency into dollars. True, the Central Bank is merit that the appeal of rubles to dollars has become an ineffective means of saving, since the exchange rate of the American currency does not increase significantly, but is held at about the same level. Even serious economists are inclined to consider this by the achievement of the Central Bank, losing from sight that the ruble fell in a price of more than 4 times. Have mercy, yes, after such devaluation (300%!), Keeping the national currency is quite easy for a very long time. But in this situation, contrary to the forecasts of the management of the Central Bank, the money of private individuals did not flow to the banks, because the main thing was made - not one of the fringed bankruptes received deserved and did not pay with customers. So the only real “achievement” of the leadership of the Bank of Russia should be considered skillful conservation of the banking crisis. The way out of it lies through the restoration of the confidence of the depositors. To do this, it is necessary to show people that power is a reserve echelon of monitoring banks, that the “debt pit” inevitably threatens those owners who do not fulfill their obligations. Undoubtedly, the first arrests of bankrupt assets to return deposits to individuals will sharply change the attitude of people to the possibility of keeping their money in banks. They will understand that the authorities guarantee the safety of deposits and will again return to the civilized method of accumulation, guided by the traditional motive of the depositor - the desire to earn something on the money that he has. This desire is quite logical and essentially underlines the banking business, which, in turn, is an important part of the economy. Thus, the neglect of the interests of depositors is nothing more than undermining the economy. I think that it is time for the central jar to turn to face the depositors. But this requires other faces ...

Any debt can be attributed partially or completely ... with the exception of the debt of honor. To the degree of this moral category, I am the responsibility of the executive branch and the Central Bank to the depositors, whose money hung in bank banks after August 17 last year. The first real measures to return the “collapsed” deposits to the victims of the assets of insolvent banks were adopted only recently by ex-Prime Minister Sergei Stepashin. To the honor of the general, it was with this step that he began his short stay as head of the White House, immediately declaring the recall of licenses for simulating the viability of bankrupt banks to ensure the interests of depositors. I would like to hope that the good business he has begun will now continue the new prime minister. However, the direct duty to fulfill the debt to the depositors to the end lies on the Central Bank of Russia, the competence of which includes issues of monitoring and regulating the banking sector. In addition, we are not talking about a single case of violation of the rights of depositors, but about the need to restore the trust of deceived citizens to the banking system on a country's scale.

Actions aimed at fulfilling this non -tolerable task should be to match it - decisive, uncompromising and large -scale. To return the money lost to the owners, you should immediately arrest bankrupt assets. If they are hidden by fraud in reliable places, to extract them in all legal ways from the "hiding places". At the same time, having changed the legislation, it is necessary to deploy illegal transactions for 5 years, not 6 months, and to punish all those who have not fulfilled obligations to depositors not only after the August crisis, but also for the last years. Unfortunately, a lot of such banks have accumulated. On the surface - "Imperial", Inkombank, Tokobank, uncombank, SBS -AGRO, MOSBUSBUSBANK. And how many discreet signs are in the depths of the phenomenon! That is why it is necessary to change the legislation in order to get to the bottom of everyone.

According to experts, deposits of individuals in the so -called system -forming banks that appropriated the money of their customers were on average 7 percent. It is easy to figure out that to return these 7 percent in any bankrupt bank there were enough assets. Why, then, the money is not returned? But because the state of morals in Russia is still determined in one word: steal. The reason for the connivance of this is fear. It’s simply that our power is still weak. In this case, in the person of the Central Bank, she is afraid of the consequences. Meanwhile, it is necessary to act, despite the surnames, lobbying opportunities, communications, intimidation. It should be remembered that power exists in order to protect the interests of citizens who endowed it with proper powers. Accordingly, the Central Bank must protect depositors from the arbitrariness of shareholders and bankrupt banks - a narrow group of people who abducted several billion dollars and hid them in offshores and overheads of personal yachts.

But let the desperate investors know, it is absolutely real to extract their money from there if you resort to the above hard measures. However, for starters, it is necessary to change the management of the Central Bank - the current one is not able to restore justice. The past year is a sufficient time to make sure of this. Recall what the Central Bank has been doing since September 1998. He distributed stabilization loans to hopeless banks according to the Famusian principle of "kinship and properties", without requiring them the unconditional fulfillment of obligations. Now it is obvious that the Central Bank’s subsidies spent by these banks had nothing to do with the interests of the depositors, and they did not really contribute to the resuscitation of bankrupt.

Thus, the Central Bank only created the appearance of “complex measures” to improve the banking system, but in fact exacerbated the deplorable state of sick banks and purposefully undermined confidence in the completely healthy, leading an inexperienced depositor to the idea that all Russian commercial banks with one Mazana Mazana. The management of the Central Bank has reached this goal. Most Russians now do not trust banks at all, whether commercial or state institutions, but they prefer a grandmother's way of accumulating money or converting domestic currency into dollars. True, the Central Bank is merit that the appeal of rubles to dollars has become an ineffective means of saving, since the exchange rate of the American currency does not increase significantly, but is held at about the same level. Even serious economists are inclined to consider this by the achievement of the Central Bank, losing from sight that the ruble fell in a price of more than 4 times. Have mercy, yes, after such devaluation (300%!), Keeping the national currency is quite easy for a very long time. But in this situation, contrary to the forecasts of the management of the Central Bank, the money of private individuals did not flow to the banks, because the main thing was made - not one of the fringed bankruptes received deserved and did not pay with customers. So the only real “achievement” of the leadership of the Bank of Russia should be considered skillful conservation of the banking crisis.

The way out of it lies through the restoration of the confidence of the depositors. To do this, it is necessary to show people that power is a reserve echelon of monitoring banks, that the “debt pit” inevitably threatens those owners who do not fulfill their obligations. Undoubtedly, the first arrests of bankrupt assets to return deposits to individuals will sharply change the attitude of people to the possibility of keeping their money in banks. They will understand that the authorities guarantee the safety of deposits and will again return to the civilized method of accumulation, guided by the traditional motive of the depositor - the desire to earn something on the money that he has. This desire is quite logical and essentially underlines the banking business, which, in turn, is an important part of the economy. Thus, the neglect of the interests of depositors is nothing more than undermining the economy.

I think that it is time for the central jar to turn to face the depositors. But this requires other faces ...