Translated material
Citizens, pass the currency
Toward the end of the week, the Central Bank was not joked in earnestly. They specified the rules for the purchase and sale of currency. Most of all, the audience (at least those who have a currency at all) was concerned about what would be needed to fill out an additional questionnaire. Here's what Medusa writes :
On December 24, the media reported that the Central Bank tightens the rules for exchange of currency in Russia. As Interfax conveyed, banks' customers were obliged to fill out the questionnaire when exchange currency.
As reported by Banka.ru, when exchange currency, the bank will need the following information: surname, name, patronymic, citizenship, date of birth, identification document, address of the place of residence (registration) or place of stay, taxpayer identification number (if any), contact information (if any). In fact, all the obligatory information is already in the passport (which had to be presented earlier).
In the Central Bank, the new rules were explained by the fight against terrorism.
The Obama, waving under the turkey and the terrible Obama, had already reported that now the Russians in exchangers would write explanatory ones - why did they need a currency?
- Catmoriz (@catmoriz) December 24, 2015 Since December 27, when exchanging currency, in addition to presenting a passport, it is also necessary to fill out the questionnaire. And from January 27, when exchanging currency, you will leave for Magadan
- Joseph Stalin (@stalingulag) December 24, 2015 The Central Bank tightened the rules for buying a currency ... I think the exchangers will be located in the FSB now? For convenience ...
- Proxodimez (@Proxodimez) December 25, 2015 The questionnaire when buying a currency is somehow small. Fingerprints, tests, certificate from the housing office, petition of the trade union committee
- Evgeny Paskan (@paskannyy) December 24, 2015 He is such a scribe, it always comes unexpectedly: first the questionnaire for currency, then the removal of the currency itself, and then give the last rubles.
- Sivsa (@sivsarussia) December 24, 2015 The questionnaire, which now will have to be filled in the exchange of currency, will contain the item "Are there any relatives abroad?"
- Vadim Dubilo (@O3AXWFRCL2GOMBE) December 24, 2015 Councils come to every house! Millions of Russians have dreamed about this all these 20 years?! Currency only to diplomats and long sail sailors)
- Svaveri (@svaveri) December 24, 2015 I do not understand the hurricries. If you like it, then why should everyone else also be cooked by coupons, buy a currency on a passport?
- Revolutionary thoughts (@vvp2_0) December 25, 2015 I do not understand liberal tears about the new currency exchange rules. Somehow for a long time they bought and sold on a passport, and then a mess came.
- Merkuri (@imerkouri) December 25, 2015 Strange, but if everyone breaks together in exchangers, then the ruble will collapse more abruptly than on the eve of the last New Year.
- Nevasha Frolova (+16) (@masfka) December 24, 2015The Central Bank found a way to bring down the ruble
Strong news at the end of the year: after all, it will be like in Belarus - without exchange points. Only in the bank and with all formalities.
I remember that in 2013 in Kyiv I preferred to change money in semi -legal windows in Khreshchatyk. In Privatbank or Nadra-Bank, it took about 15 minutes, with the filling of a bunch of pieces of paper. In Privat, they first made me half an hour, except that the fingerprints were not removed.
Regulation and bureaucracy on the hands of large players. Small either survive with all their strength, or work with convenience for the client, lifting the "salary" of cops and bandits.
In Lithuania, for example, there are no private exchangers at all. Not because of cops and bandits, but because of a powerful bank lobby. Moreover, Vilnius annually accepts more and more tourists. If you do not want to stand in line with accountants and loan petitioners - races in a casino, they will change there.
In Russia, new rules, do not go to the grandmother, are accepted for the sake of corruption, and for the sake of a bank lobby, and for the sake of officials - in general for the sake of everyone who is quickly and thoughtlessly earn money. Putin has been friends for many years with the recently departed Argentine president, who arranged a full PPC in the country with a course and exchange of currencies .
History indicates that the answer to such measures is one - the emergence of the black market. But the regulator does not care. The main thing is that he also found a way to demonstrate his willingness to act in a prohibitive spirit. "We, - they say, are also tight and do not let go!"
There is nothing easier than changing several times for 14,999 rubles. Just two hundred dollars, by the way.
But the counter argument (by the way, quite sound).
Nikita Krichevsky:
1. Firstly, this is another and correct, I note, a step in minimizing the gray sector, one of the links in the “Destroying” chain-“Smart Control and Cash Technique”-“Plato”-and now “strict requirements for exchange of currency”. The step, obviously, is not off, and others will be, and which are the topic of a separate conversation.
Secondly, this is a prerequisite for taxation on personal income tax operations for the sale of currency, which, without a doubt, is filled. In the spring of this year, I already wrote about this, but then there was a tax base with a stumbling block, that is, the taxable benefit that could be obtained by buying a currency at the same price, and selling at a price slightly higher. We throw exchange receipts, right? Now all the information about our operations will be stored in the dossier and calculate how much we owe the personal income tax to the native state. Yes, no one canceled the property deduction of 250 thousand rubles, so 99% of the currency changing the currency can sleep calmly.
2. Is a complete ban on free circulation of currency and return to Soviet times possible?
No, impossible. By the way, the previous paragraph contains a response to the hunch that the currency free walk will soon be canceled at all - who will cut the chicken that carries gold eggs, that is, additional revenues to the budget? <...>
4. It is clear that now you will have to fill out a whole “sheet” of data about yourself to your beloved, is it too much?
Those who are clockwork on this topic obviously in recent years have never sent money transfers through mail. Since I am doing this regularly, I confidentially inform you that for a year now I have to fill out “sheets”, in which the information is similar to the introduced: the same name, TIN, passport data, date of birth, citizenship, address of registration, actual residence, etc., up to the answer to the question whether I am a public official. By the way, I have been filling these “sheets” for a long time at home, and I arrive in the mail with already completed translation statements. But in the case of the exchange of currency, this does not threaten us, because, I repeat, fill the questionnaire for us (or find it in the database) that very paw.
5. Will the new rules be affected on the exchange rate?
Of course they will say. Three pennies. Or maybe five.
6. Will exchangers close?
Of course they will. Large banks have not changed currency in elevators, entrances or public toilets for a long time. Now the same fate will be comprehended smaller banks, famous for fraud with courses or commissions. And then - we live in rubles, why to carry tons of currency nala with us? In an extreme case, the bucks can be sold (transferred for compensation) to a neighbor gathering in the Turz .. Oh, excuse me, in Egypt, the tourist relations with which next year are most likely normalized.
1. "Exchange points" should not exist at all. All financial transactions should go through the bank. Any normal bank (and not the garbage dump, from which licenses are rightly selected all the time), and so, any normal bank having an Internet interface allows you to exchange the currency with a simple ruble transfer to a foreign exchange account. This operation is transparent to the bank and tax authorities. All other (cash) methods of exchange of currency in the XXI century recall me personally by those crooks that have beamed with bucks at the stations 20 years ago.
2. If you need a cash currency, went to the ATM and withdrew it from the currency account. And put under the pillow. Let her warm you.
3. The fulfillment of the long -standing desire of the state is coming to take income tax from the exchange of currency. This tax is fair (since it must be paid from any income), but with the existing currency exchange system it is almost impossible to administer. Now, with new rules, however, it will still be impossible, because you can buy currency in one place, and sell it in another, and who will be involved in the mind of this data is incomprehensible.
A sharp, already from Sunday, change in the rules for the sale of currency, caused an explosion of suspicion of the Central Bank. Exchanger workers will have to fill out some kind of questionnaires, the contents of which no one knows for sure. Many believe that the Central Bank is preparing for a sharp fall in the ruble and the shaft of the people to exchange currency. Therefore, of course, the new rules are the error of the Central Bank. They must be canceled. The authorities of all levels should generally stop clinging to normal law -abiding citizens. But to introduce a tax on exchange tax with an amount of more than a million dollars, it would be useful so that there are no currency speculations by banks, due to budget money most often.
The audience was very interested in the tax!
And, here it was “an explanation”: supposedly “disclose complete information” about themselves is required now because they are preparing to impose any sale of cash currency with a 13%“income tax”. Well, very much. Both the state of profit, and cursed currency owners to press. Not only car owners to suffer.
Ah here it is ... again they climb to the NM in the pocket. Not only does the real amount of taxes are 48%, but they also try to tear off the cubes of citizens.
Now the complete feeling that nothing should be done specifically. The mode will drain itself. Carefully. It is a pity that the pace is still weak.
They encroached on the holy, this is not parking and abstract pensions in the foggy future.
And such an opinion, where without him.
Yesterday and today, in the morning, bloggers shout that again the government of all Russians wants to fuck. Like, we were forcibly decided to return to the scoop, i.e. in the USSR. They want to make us travel only in their country. And most importantly, we are limited to freedom! What is it about?
About the currency, of course, guys. About dollars, euros, pounds, etc. Now it is necessary to purchase these precious pieces of paper not from the <native of the Caucasus> on the market at the rate that he installed, but in the bank, and not only by the passport, but to completely undergo identification.
I can imagine what rallies and performances will begin in our capital now, although it is unlikely. After all, there, too, lives more than those who do not think about currency, but about the daily bread. In any case, we, in the province, certainly no one will tremble that again the nuts are twisted and they want to return to the stall simply because there were no currency and did not have ordinary people.
The authorities hastened to make sedative statements. The clarification of the Central Bank gives RBC:
The new rules for identifying customers in the exchange of currency will not create additional difficulties entering into force on December 27. This is stated in the message of the Central Bank, published in the evening on Thursday on the regulator’s website, which explains the new rules.
“When buying or selling currency in the amount of up to 15 thousand rubles. Client identification is still not required. If the amount of the operation is larger, then the client is provided by the passport, and the bank himself fills the questionnaire, ”the report said.
But the complex issues of state regulation do not end there! Here's what RIA Novosti reports :
Russian President Vladimir Putin called on the government to restrain a speculative increase in prices in the Russian Federation with all possible market instruments.
"Today, an unreasonable, frankly, speculative increase in the cost of products, goods, services leads to a decrease in people's living standards. You need to use all available market instruments to contain price growth, expand the share of inexpensive but high -quality domestic goods," Putin said, speaking at a meeting with government members on Thursday.
😁 Putin: In the fall of the standard of living of Russians, speculators are guilty. pic.twitter.com/oswqhtvpgl
- NEWS slopes (@shkvarkiua) December 24, 2015 Putin pipe almost three Gorbachev and two Yeltsin terms, but speculators and liberals are still to blame for the fall of the Russians living standards.
- Lodnorpad calls (@lndcalling) December 25, 2015 For any normal person, the situation in trade is the main indicator in the economy. But Putin's speculators are to blame.
- Vitalij (@sarglobalnews) December 25, 2015 Speculators are such citizens who do not want to trade at a loss for Putin. A real patriot always gives all the revenue to the Rotenberg.
- Catch up! (@mix_voronezh) December 25, 2015 Damn, they did everything right. They sat, sawed calmly. But the speculators came and ruined everything.
- gubarev (@gubarevne) December 25, 2015 After the revolution, the Bolsheviks also believed that the bags and speculators were to blame and shot them right at the stations. pic.twitter.com/v3dszz99oi
- Notes of a madman (@pavel_xii) December 25, 2015 Putin announced the expansion of business freedom in response to sanctions. That is, "speculators are to blame" - is this to the expansion of freedom of business? Go nuts!
- Besputin (@put_in_vor) December 25, 2015 Since, according to Putin, the speculators are to blame for the increase in the prices of Putin, Vangha, the quickly return of the article for speculation.
- Konstantin Lvovich (@sector_kl) December 24, 2015ABOUT! Native Venezuenshin!
Oh! Shoot speculators. And Lenin is so young ...
"You need to use all available market tools to restrain price growth." As far as I understand, a market for holding prices is competition. And why is it not used? Mystery! Sabotage, probably.
Here it is. Yesterday, V. Putin called on the government to prevent the unreasonable, speculative increase in prices, which maliciously reduces the standard of living of the population. "Prevent all available market methods." Here, of course, the very place is to reassure that one of the factors in price growth today is the anti-market practice of expanding trade wars, the main ideologist and commander of which is Mr. Putin himself. But another is more interesting.
When economists try to predict economic dynamics today in connection with the new situation, they lose sight of one important parameter. For some reasons, with the type of regime that we have today in Russia, in conditions of deterioration of the conjuncture with a very high probability, the quality of economic policy will decline. And this can significantly change the parameters and scale of the impending protracted crisis.
Stream of prohibitive laws and instructions
It is explained simply.
We return to the Great Country of the USSR (by which so many yearn). In the USSR, as you know, there was an order based on the principle: "Everything that is not allowed is prohibited." Very few were allowed. All normal economic, political and public life was banned by default. If the Komsomolets painted the poster "Yankees, out of Vietnam!" And he independently went out into the street, he was twisted and brought first to the GB, and then to the madhouse. Journalists could not create a “Club of Reporters” without the permission of the Central Committee of the CPSU - and they would recommend that they apply to the Union of Journalists and “take events” within its framework. Everything that was called economic activity in normal countries was in the USSR “entrepreneurship”, “speculation”, “currency operations” and “mediation” - and all this relied on prison terms, or even execution.
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Ivan Belyaev
Social Networks Editor Radio Liberty