“I think we have all the possibilities for creating the domestic market market, the main thing here is not to play into administrative redistribution,” he said. The head of the ARB Garein Tosunyan agrees with him. “Instability in international markets can give us a chance to increase the significance of our market,” he said. According to him, our market really experienced a certain voltage in August – October, but now the situation is more than stable. Classes were made towards the Central Bank. The deputy chairman of the committee on credit organizations and financial markets of the State Duma Pavel Medvedev gave a detailed assessment of his work. According to him, it was the Central Bank to be their increased injection of money that helped to survive the banks of the autumn monetary hunger.
From global problems, the deputy has moved to more pressing issues. “The logic of the development of the banking sector over the past four years has been subordinated to the development of supervision, and the law on deposit insurance was the main tool for this development. The deputy was glad that since the adoption of the law, the payout limit has been increased twice and now amounts to 400 thousand rubles. And as an illustration of the effectiveness of this law, he said that its reception for a long time bore the unspoken name “Reception of the deceived depositors”. “I could not enter there for a long time,” he admitted. – But in the last year or two there is not a single complainant “.
Separately, the conference participants affected the eternal consumer problem “Bank – Enemy of the Borrower”. Pavel Medvedev admitted that the deputies lagged behind the regulator on the issue of disclosure of information. Apparently, it was understood that the long -suffering law on consumer lending has not been adopted so far, and the Central Bank has already obliged the banks to call customers the real value of the loan from July 1 without hiding it behind different commissions. However, without the law, the deputy noted that the situation has become noticeably better, although there are still complaints.
In turn, the cherished dream of bankers, according to their own confessions, so that people go to the bank for loans, as to the store. True, the bankers are still worried about the weak, in their opinion, financial literacy of the population. They consider this the main reason for the insufficient development of the domestic market for individuals. Was not, however, without stilettos to the regulator. Vladimir Romanov told reporters that he has his own opinion about the disclosure of an effective interest rate and that hysteria on this occasion was too hypertrophied. “I myself (an effective bet. – “Gazeta”) I can’t count, ”the banker admitted. Moreover, he believes that an effective bet is not at all the main thing in the issue of lending. Banks are literally forced to keep their rates at a high level due to scammers. The conscientious borrower still has to pay for them.
