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Date: 4 months ago   Category: Finances

Whether it is worth awaking the "sleeping" deposits?


Deposits for which many years nobody comes suggested to transfer to the budget. Why this problem is lifted again and how it is solved in the West? Photo: Experts of bank community suggested to give by depositphotos.com the "sleeping" deposits to the state. It is about deposits for which many years nobody comes, and these are tens, and even hundreds of billions rubles. Judging by media reports and comments in social networks, news from the State Duma once again frightened citizens. And, perhaps, someone will go to bank ahead of time just in case to take away the old contribution until it made the state. But in general, in the message of the head of State Duma Committee on the financial market Anatoly Aksakov anything special was not. A certain expert community suggested to solve a problem of unclaimed deposits, and not for the first time. Most likely, the initiative will be rejected again because it contradicts the constitution. But to talk is about what because the sums decent, Anatoly Aksakov told Business FM: Anatoly Aksakov the Chairman of the State Duma Committee on the financial market "Is about deposits which period of validity ended, but which will not be claimed by owners, for example, within ten years. Quite decent sums concentrated on these deposits. By different estimates, from 60 billion to 200 billion rubles. Also offer these means to transfer or into the regional budget, or on some charitable operations". Such deposits are favorable to banks: these are additional liabilities on which it is possible to get profit. But it if is about the large sums. And we will allow, the client on the account has ten rubles. It, most likely, will not come for this money. The bank under the law cannot take away from them kopek, but is forced to serve this contribution, the junior director of the bank ratings of the Expert RA agency Vyacheslav Putilovsky explains: Vyacheslav Putilovsky the junior director of the bank ratings of the Expert RA agency "The account on which ten rubles or some symbolical sum, nevertheless load the computer of bank bank has to make on it the reporting and so on, to serve it somehow. All this costs the money defined for bank". In other countries there is a practice when the "sleeping" deposits are taken away by the state. For example, in Switzerland laid out in public access three years ago the register of investors who did not come for the money, especially for that successors could make it. If do not take away, then it is possible to say goodbye to deposits. But there is an important point: the Swiss authorities before taking away means, wait for 60 years after opening of a contribution. However, it concerns only sums over 500 francs (about 500 dollars at the rate). In Great Britain it is arranged in a different way: there unclaimed deposits move to special interbank fund. This money spends, for example, for charity, but is always ready to return a contribution to the owner or his successor, the managing partner of lawyer bureau "Gladyshev and Partners" Vladimir Gladyshev tells: Vladimir Gladyshev managing partner of lawyer bureau

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