Auto Loans: no market - no scam

Banks Finansy17-04-2009 Car Loans: no market - no scams Market auto loans today do not live and survive. The number of banks willing to work in this market has declined considerably. At the same time, continue to exist some proposals from automakers themselves, mostly foreign. Domestic auto industry to help government program concessional lending. However, the collapse of car loans there are some positive consequences - fewer borrowers and unscrupulous scams. As already told Bigness.ru, financial crisis negatively affected the car loan market. Now the market dropped in its development a few years ago, to the level of 2004-2005, when the car loans as a full-market product was in its early development - both described the situation to the press service VTB24. In general, there was a significant reduction of players in this market. "Today we see the 8.10 banks, against 50-60 banks a year ago" - told Bigness.ru in VTB24. Today, "the market does not live, but rather, exists", - said the managing director of investment group AG Capital Alexander Agibalov. Contraction of the market contributes to a combination of factors: the fall of the solvency of the population, stricter requirements for borrowers and higher interest rates.

YOU forbade banks to play in one of the gates

Banks Finansy03-03-2010 YOU forbade banks to play in one of the gates the Presidium of the Supreme Arbitration Court (IAC) of the Russian Federation on Tuesday declared illegal a unilateral increase in rates on loans to banks in respect of natural persons, as well as penalties for overdue payments. Experts warn that such a decision for the banks may soon turn into a wave of lawsuits from borrowers and rising interest rates. Yesterday, the Presidium of the Supreme Arbitration Court (IAC) quashed the decisions of lower courts at the suit of Russian Development Bank (RDB) to the management of the Federal Service for Supervision of Consumer Rights Protection and Human Welfare (Rospotrebnadzor) in Moscow and decided to turn the bank into his claims. Thus, YOU upheld the decision of Rospotrebnadzor, which the bank was brought to administrative responsibility for raising rates unilaterally under the loan agreement, collection of fees for opening and maintaining the loan account and the requirement of penalties (penalties) for late payment of principal and interest on it, passes RIA Novosti reported. Thus, bank lending practices of natural persons ultimately found to be illegal - a ruling of the Presidium can not be appealed.

Credit optimism

Banks Finansy21-01-2010 Credit optimism Credit growth in Russia this year will be 20%. With such an optimistic forecast was made by the Central Bank first deputy chairman Alexei Ulyukayev. Last year, lending increased by 0,2%, but clients significantly increased their deposits, banks have access to relatively cheap Western money and the rate of the Central Bank has reserves to decline. Until now, banks are sitting on money. But analysts believe the situation will change in the medium term. On December 1, 2009 the aggregate amount of individual deposits in Russian banks reached 6.999 trillion rubles. Partially worked, compensation for the outflow of deposits in 2008, when the population worries about a possible wave of defaults. In addition, in the first half of 2009, banks have made a real race of interest rates on deposits, which forced the Central Bank issue a warning about possible problems due to unsustainable policies for attracting funds for contributions. In this case, loan rates also remain high, which is one of the main problems of the Russian economy. And by the way, the high cost of raising funds as the population increases and the cost of selling bank assets.

Currency forecast: European pessimism against American tales

Banks Finansy20-04-2009 Trader forecast: European pessimism of the anti-American tales past week has left the foreign exchange market at a loss. While European financial institutions are fairly bleak published reports, the leading U.S. banks were allowed to actually dream up on their success. At the same macro-economic statistics - that of Europe, that of the United States - does not inspire optimism. As a result, the European currency slipped to a minimum of many months, and the Russian ruble shows sample stability. Beginning last week noted a decline in trading in connection with the Easter holidays. On the whole week, which is expected to form a new fundamental trend, has not justified itself. Positive reports of American banks for the I quarter of 2008 are still poorly inspire investors.

Central Bank of Russia is accused of a huge mistake

Banks Finansy24-04-2009 Central Bank of Russia is accused of a huge mistake the Bank of Russia finally lowered the refinancing rate for the first time since then, as our country engulfed the global crisis. This is good news for those who have to live on credit. However, the rest of the Central Bank told to tighten monetary policy. Some experts believe it is a mistake to CB. Payback can be a regular fall of the ruble - much stronger than if the Central Bank devalued it right now. Happened: The Board of Directors of the Bank of Russia decided to reduce from April 24, the refinancing rate by 0.5 percentage points - to 12.5%. Interest rates on individual transactions, the Bank of Russia, is also reduced by 0.5 percentage points. This long-awaited analysts and experts. Indeed, as already written Bigness.ru, in the current crisis seems logical to demand lower cost of money, stimulating demand and cheaper credit. At least in most economies around the world The crisis has lowered rates. In the U.S., the refinancing rate was actually zeroed in December last year. Even long resisted policies to reduce the European Central Bank in April lowered the rate to 1.25% per annum. Moreover, the ECB President Bank President Jean-Claude Trichet said that this is not a minimum value.

The central bank threatens to close exchangers

Banks Finansy05-02-2010 the central bank threatens to close exchangers Russian Central Bank may raise fat cross on the street points currency exchanges. On this fourth of February at a meeting with representatives of leading Russian banks, said director of the department of licensing and financial recovery of the Central Bank of Mikhail Sukhov. "We are discussing the regulation, which will stop the registration of new exchangers ... its adoption could happen this year "- quoted saying by RIA Novosti Sukhova. It is noteworthy that he Central Bank of the Russian Federation still has neither confirmed nor denied the information on the possible closure of bureaux de change on the streets of Russian cities. The fact that the traditional meeting of heads of central banks and commercial-bank financial institutions are held behind closed doors, and the media know about what happened in the bank "cabal" of its own channels, which are usually not disclosed. However, the topic has already thrown in informprostranstvo and cluttered with comments. The more so in the summer of 2009 it was reported on the plans of the Central Bank to amend the law "On banks and banking activity", which should prohibit the operation of bureaux de change outside the bank offices.

The ruble is kept at a bare optimism

Banks Finansy12-05-2009 ruble is kept at a bare optimism Already consecutive week that the market is experiencing the euphoria of any news that is not bad. Negative same information if it coincides with the expectations of experts, does not make any impression on the players. In such circumstances, the dollar will weaken, and the ruble - to be strengthened. The situation can only deploy a sudden sobering. Last week both in Russia and abroad was held under the banner of unbridled optimism. In our country, the index of one of the largest stock exchanges - the MICEX - has reached the psychologically important mark of 1000 points. This is two times less than it was before the crisis, and two times greater than it was in November when the stock market looking for a bottom. Abroad, the number of more or less positive news has gained the critical weight, and Western analysts expect economic growth beginning in June. For the euro the week ending well. Investors a pleasant surprise for the European Central Bank (ECB) cut its interest rate in the region until the next time low - 1%, said Andrew Bigness.ru Gangan, principal analyst at FG, "Kalita-Finans".

Russian banks do not need a test for

Banks Finansy06-05-2009 Russian banks do not need a test for the administration of a new U.S. president has subjected the national banking system testing for durability. According to preliminary data, more than half of the tested banks need more capital for the deteriorating situation in the economy. Is it time to expose Russia stress tests on their credit organizations? It turned out that the Russian banking system has its advantages - it is simpler and pogosudarstvennee. While investors around the world are eagerly awaiting the results of stress tests of U.S. banks (the official figures will be announced May 7), Bigness.ru wondered whether this kind of analysis needs of the Russian banking system? Recall: the so-called "stress-tests" were the 19 largest U.S. banks, which are de facto control of almost half of U.S. banking. The purpose of testing - to determine which banks, and to what extent would be vulnerable to deteriorating economic conditions. For example, with a further significant drop in property prices, more unemployment. In fact, a stress test in the current situation - an assessment of future writedowns the bank and its ability to endure. When the administration of Mr. Obama just announced its intention to conduct testing, investors felt that the results of stress tests will be used to close or nationalize the weakest banks.

Bank of the future will fit on your desktop

Banks Finansy29-04-2009 Bank of the future will fit on your desktop all remember - the current crisis began with the banking sector. Many are predicting a global restructuring of the whole financial architecture in the world. What will be the banks of the future? Several experts said: soon the term "bank", which are associated with presentable office, shrink to a shortcut on the desktop. But it was not connected with the crisis. The accelerating pace of life leads to the problem of lack of time. Citizens are less willing to stand in queues, debilitating, fill piles of documents, and even just to travel to distant offices. Prospects for the development of the banking system, many associated with Internet banking. Today in Russia the Internet banking is one of the most promising directions for the sector of remote banking services. The demand for Internet banking services to end-users and corporate clients is huge. Strictly speaking, Internet-banking - is the management of bank accounts and cards over the Internet online. Classic set of Internet banking allows for almost any transaction. For end users, this non-cash payments, buying and selling currency, paying utility bills, invoices, mobile operators and urban communications, digital television, as well as the opportunity to pay loans, track the status of your account, to know the balance on a plastic card, etc.

New cleanup of banks: strictly, but fairly

Banks Finansy19-06-2009 New stripping banks: strictly, but fairly Today all media thrilled message: Central Bank intends to get rid of one third of banks. Calm, but calm. Russian regulator only tightens control over the banks that need dokapitalizatsiya. At the Central Bank has reason to be stringent: many banks will want to raise capital illegally. But the collapse of inefficient banks will benefit the system as a whole, experts say. Recall that early in the year, amendments to the Law on Banks and Banking. " Under this law, since 2010 banks' capital should be at least 90 million rubles. Since 2012 the minimum capital to be 180 million rubles. On May 1, according to CB, the first condition is not consistent with 179 banks (except the sanitized). But on the capitalization of banks is only six months. The second condition (which will come into force in 2012) does not match the 321 Bank, which is about one-third of Russian banks. Thus, the central bank, dissatisfied with the process of consolidation of capital of banks, decided to tighter control them. The Bank of Russia has sent its regional offices in the document "On working with banks in connection with the increase of requirements to the size of its own funds."

Banks build mortgage pyramid

Banks Finansy14-05-2009 Banks are building a pyramid problem of mass mortgage loan defaults reached mortgages. Reduced incomes has led to an avalanche growth in defaults on mortgages. Fearing the worst, Russian banks are seeking ways to efficiently dispose of objects being in the pledge. So, they devised a scheme in which the debtors' apartments are offered with a new debt-mortgage holders. Size of arrears on mortgages in Russia continues to grow. Only the first two months of this year the amount of arrears on mortgages rose by 20%. In this regard, banks are seeking ways to efficiently dispose of the objects that are in their pledge. According to industry portal Banki.ru quoting First Mortgage Agency, URALSIB Bank, Home Credit and Absolut Bank allowed its customers to acquire a mortgage facility, pledged on loans in these banks. The offer applies to the purchase of apartments on the secondary market, construction of apartments and land plots with ready-made apartment house. As expected, this measure will help to partially solve, firstly, the problems of banks with defaults, and secondly, the problems of borrowers who can not pay, and the third - the problems of people who would like to take a mortgage, but the existing rates for them unsupportable.

Anti-crisis propaganda - cause confusion in the projections

Banks Finansy14-05-2009's anti-crisis propaganda - cause confusion in the forecasts of "anti-crisis propaganda" - it's economic forecasts are based on no objective data and some mathematical model, and the desire to influence public opinion and the mood of the players in the world markets. This involved not only the heads of state, but also the world's central banks - because their old methods of control of monetary policy appeared to be powerless against the crisis. The current complicated situation in the global economy has shown weak performance during the crisis are many tools that two years previously was regulated by the international balance of financial interests. Easing monetary policy, print money, the huge infusion into the economy - now it all makes little predictable, and as little perceived effect. Gone virtually "zero in" interest rates by the Federal Reserve System, Japanese and European central banks to rescue key corporations and the support of several key industries spend billions of dollars. However, liquidity in the circulatory system of the global financial system has not been restored - the volume of lending are still a unit and tens of percent from the previous level.

Russian banks face a non-payment of natural persons

Banks Finansy07-05-2009 Russian banks face a non-payment of natural persons Subtotal first quarter of 2009 for the banking community was unpleasant. Virtually all of their performance deteriorated: assets decreased, the total income decreased, the losses have risen sharply. The only bright spot was the statistics on outstanding debt. It is not necessary to enjoy these figures - many bankers are hiding the real figures, putting the issue "for later". According to the Survey of the Russian Banking Sector ", issued by the Bank of Russia, the only parameter of banks, which showed improvement in March, was the level of arrears. The pace of growth has slowed of late March: Corporate credit growth was 11.5% instead of 25% in February, according to retail - growth fell from 6% to 4%. One would agree with these data, as well as assume that the crisis in Russia has reached finally hitting bottom. But do not forget that unemployment continues to rise (only in the last week before the May holidays, it was recorded a slight decrease), incomes continue to decline, and the devaluation of the ruble is already reflected in prices for imported consumer goods.

Russians do not back out of every ten credit

Banks Finansy10-07-2009 Russians do not back out of every ten credit In 2009, the failure to return on bank loans in Russia will amount to about 10%, said Finance Minister Alexei Kudrin. However, experts have already done and more frightening predictions on this score. Thus, the minister called "reassuring figure" - said Bigness.ru executive vice president of the Association of Russian Banks Anatoliy Milyukov. However, the finance minister close to the truth, he said. In 2009, the failure to return on bank loans in Russia under IFRS (International Financial Reporting System) will be slightly more than 10%. This was stated by Deputy Prime Minister and Finance Minister Alexei Kudrin. According to the RAS (Russian Accounting Standards) is the same figure will be less than 10%, according to Kudrin. Finance Minister also said that the Russian government and Central Bank leadership keenly watching the situation in the sphere of bank loans, and make their assessment. Analysts expect growth of arrears by the end of the year by 10-20%, and non-repayment of bank loans will rise to 12%. However, at present on the non-return "many men, so many opinions", - said in an interview Bigness.ru executive vice president of the Association of Russian Banks (ARB), Anatoly Milyukov.

Bankers make loans to

Banks Finansy29-06-2009 Bankers make loans to state once again trying to force banks to lend to industry. Head of Government called for state-owned banks in July to increase its portfolio lending by 150 billion rubles., And by October - up to 400-500 billion rubles. However, measures to force banks to finance the real sector could affect the quality of loan portfolios, said head of the real sector TsMAKP Vladimir Salnikov. The main trouble of the crisis was that the banking sector has ceased to lend to the real sector. But the main function of the banking system is precisely the transformation of national saving in the national investment. The country's leadership is taking regular action to change this balance of power. Portfolio of state-owned banks in July shall be increased by at least 150 billion rubles., Prime Minister Vladimir Putin, speaking at a meeting to draft a three-year budget for 2010-2012. However, for such a task is allocated to banks to 300 billion rubles. guarantees. "In this regard, referring to the heads of banks with state participation ... I believe that due to government decision-making loan portfolio in July this year should be increased to not less than 150 billion rubles. "- The words quoted Premier RIA Novosti.

Return on bank deposits started to decline

Banks Finansy01-07-2009 Return on bank deposits started to decline Savings Bank has lowered rates on deposits. His example is followed by several banks. Such actions of the Russian bankers have long called Central Bank. After all, the higher the stakes, the harder it is to the bank to return funds to investors, analyst explained Bigness.ru AK Bars Finance Pauline Lazic. In addition, expensive deposits "suggest" expensive loans. " Now the market situation may change. Russian banks have finally heeded the advice of the Bank of Russia on the undesirability of high rates on deposits. The first was the largest retail player - the Savings Bank. As reported Bigness.ru, it lowered the rates on deposits. New rates "Sberbank" reduced by about 1 percentage point. The maximum rate now stands at 13.25%. Previously, the rate on the deposit for the same period was 14.5%. In addition, for deposits in dollars and euros, the bank has installed new flat rates (June 1, Sberbank has balanced the interest rates on deposits in both currencies). It now will be 4,5-4,75%, depending on conditions. But rates on deposits in Sberbank has traditionally been a reference point for the market.

60 billion to rescue mortgage?

Banks Finansy15-06-2009 to 60 billion rescue of the mortgage? 60 billion to rescue mortgage? The authorized capital of HMLA (Agency for Housing Mortgage Lending) will be increased. The federal budget for these purposes will be allocated 20 billion rubles. This is another measure aimed at supporting mortgages in Russia. Experts interviewed Bigness.ru, do not believe that to restore lending in our country will soon. Their assessment of the situation in the mortgage market differs from officials. However, they both agree that the volume of lending continues to decline. "The hope and support" the Russian mortgage - HMLA (Agency for Housing Mortgage Lending) again receives state aid. Russian Prime Minister Vladimir Putin today signed an executive order to increase the authorized capital HMLA at 20 billion rubles. The Premier said at a meeting of the Presidium of the Government on Monday.

Russians find it increasingly difficult to repay

Banks Finansy25-06-2009 Russians increasingly difficult to repay Russians increasingly difficult to return the debts of the loan. No wonder, because one in five had to pay the bank more than half their monthly income. Delay of payments will continue to grow if the unemployment rate will increase, said in an interview Bigness.ru said principal analyst of the Association of Russian Banks (ARB), Sergey Grigoryan. In such circumstances, banks have to make concessions. Looking at the data of sociological studies on the debt of Russians, it seems that Russian banks were handing out personal loans with their eyes closed. How else to explain the fact that the webbing credit today pulled by those who never had to get loan funds to the unwritten rules of lending! It is no wonder that now have to pay for this increase in outstanding debt. According to the June opinion poll, the outstanding loan is, in every fourth Russian family. And 35% of Russians already foresee that the mortgage payments they will overcome only with great difficulty, and 2% predict that the general would not be able to repay.

Central Bank plans to let the ruble in swimming

Banks Finansy29-05-2009 the Central Bank plans to let the ruble into a swimming Central Bank of Russia plans to move to a regime of free floating exchange rate. Experts say the historical inevitability of this move. Many countries it has helped build a strong economy. Now, however, not the best "free float" time. In the coming years, the Russian currency market is better to remain hostage to the Bank of Russia, are sure of our interlocutors. The Bank of Russia plans to move to a regime of free floating ruble exchange rate, restricting the upper limit of the currency basket at 41 rubles., Said on Thursday the Bank of Russia chairman Sergey Ignatiev at the XVIII International Banking Congress (IBC) in St. Petersburg. "Now, in order to limit volatility in the ruble exchange rate, the Bank of Russia conducts sufficiently massive currency intervention to buy foreign currency on the foreign exchange market. Total from 1 February to 25 May, we purchased more than $ 30 billion "- said Ignatieff. Recall under the volatility usually implies a measure of volatility of the market price of an asset at a specified time period, that is, "how often changes the value of the asset."

Caution: fake money!

Banks Finansy14-07-2009 Caution: fake money! Number of counterfeit rubles in Russia suddenly decreased. Thus, in the second quarter were seized by 2,5% less than the fakes than in April-June last year. It is interesting that in January-March, the number of counterfeit rubles rose - by 30.5%. Reduction in the activity of counterfeiters can be attributed to more stringent law. Because now assumed even criminal liability for possession of surrogate cuts. Fakes can draw at least be happy that the number of fake rubles in Russia started to shrink. In the second quarter of 2009, Russian banks have revealed 34.98 Thousands of counterfeit banknotes of the Bank of Russia. And it is by 2,5% less than in April-June last year. According to the Bank, in April, found thousands of counterfeit banknotes 9.935 in May - 12.133 thousand in June - 12, 912 thousand pieces. Preferences of the most attractive to counterfeiters bills remains tysyacherublevka. In the second quarter showed 32.83 Thousands of counterfeit notes of 1 thousand rbl. Next in popularity followed by a 500-ruble (377 identified forgeries), the 100-ruble banknote (203 fraud), a 50-ruble and the 5000th notes (in 59 fraud), 10-ruble (24). Its own currency - the favorite

Sberbank decided on lending in foreign currency

Banks Finansy25-08-2009 Sberbank decided on lending in the currency of Russia's banking system delivers the timid signals exit from the crisis ailment. Thus, the largest bank in the country - Savings - no longer afraid to give out loans to citizens in foreign currency. The situation with credit in the general population is also starting to improve, the head of Sberbank German Gref. Analysts are more cautious in the estimates: the banks can not lend to active until the overdue loans continue to grow. It seems that the crisis in the banking system in Russia was almost defeated. At least, in a single bank - the Savings. Yesterday the head of Sberbank German Gref has reported about the company's work in front of Prime Minister Vladimir Putin. And, according to Gref, the situation with the Savings Bank lending has become much better. For example, the Savings Bank is no longer afraid to lend in foreign currency. Starting next week, Sberbank will resume issuing loans to natural persons in foreign currency. Gref said that granting loans in dollars and other currencies population was discontinued last fall. At the same time Sberbank has allowed citizens to convert their foreign currency denominated loans. Because of the devaluation of the ruble back loans in dollars and euros for the majority of citizens is problematic.

Government lowers interest rates on loans

Banks Finansy23-07-2009 The government lowers interest rates on loans credit problems in Russia is once again discussed at the highest level. The country's leadership called on banks to lend to industry at 14% per annum. Bankers argue that this refinancing rate should be below 10%. However, as noted in an interview Bigness.ru economist Natalya Orlova, the rate of the Central Bank may indeed sink to that level by late summer. Vladimir Putin at a meeting on the banking system, said that the rate of 14% is quite acceptable for crediting the real sector of the economy. "Banks have increased their capital through subordinated loans from the fund of national wealth, must give credit to the real sector of the Central Bank rate plus 3%. It is now 14% ", - said Putin, whose words are quoted by RIA Novosti. According to the head of government, this level of interest rates in a crisis is quite acceptable. It allows businesses borrowing to continue the implementation of development programs, and banks - to obtain normal profits. " Earlier, the situation with the lending premier complained Governor of the Yaroslavl region Sergey Vakhrukov.

What to pay for high interest rates on deposits

Banks Finansy29-05-2009 How to pay for high interest rates on deposits of the Russian Central bothered by the fact that many Russian banks in recent months started to offer very high returns on deposits for the population. Bankers and really seemed to have joined the bidding race - promises to return in 18-20% of the deposit is no surprise. Central Bank chairman Sergei Ignatiev on banking forum in St. Petersburg, said that in the near future, his department may begin to punish excessively high interest rates on deposits. "Maybe now we'll do it, because bidding is a serious problem" - he said. Fears mega groundless. Due to lower refinancing rate (from 13% to 12%) interest rates can also be reduced. As a result, income from loans (including the growth of non-payment of natural persons) can disperse the costs of attracting deposits. Tools to intervene in the situation in the Central Bank is. According to the amendments to the Law on Deposit Insurance in October 2008, the Central Bank has the right to limit the rate for deposits of natural persons, if the bank fails to comply with orders to eliminate violations and if those violations pose a threat to the interests of depositors. The banks - their interest. Last year, the aggressive marketing steps they tried to compensate for the strong outflow of deposits that was triggered by rumors of a banking crisis. Panic depositors caused the death of several dozen banks.

State reaches out to help indebted citizens

Banks Finansy31-08-2009 The State extends a helping hand to citizens in debt today, many Russians lost their jobs are not able to repay the loan taken and therefore add to the endless series of bad debtors. The state is trying in every possible way to resolve the situation. And Economic Development Ministry has sent for approval to the Ministry of Justice of the draft amendments to the legislation, allowing citizens to recognize insolvent. According to analysts, such a rule would be salutary for borrowers and profitable for the lending institutions. In connection with the economic crisis that hit almost all sectors, many mortgage borrowers have been unable to pay the monthly loan. Some have lost their jobs, others - a significant portion of their income, others may not pay off the banks due to disease or accidents. As a result of the country have formed mountains of debt on loans. Number of court orders, which arrive at the court bailiffs, inexorably rising. So, in January 2009, police officers received 81 thousand court orders to collect money from individuals in favor of credit institutions, in February - 125.7 thousand in March - 160.7 thousand in April - 213.6 thousand . in May - 256.5 thousand for the total amount of 57 billion rubles.

The second wave of banking crises: to be or not to be

Banks Finansy28-05-2009 The second wave of banking crises: to be or not to be Many economists have started talking seriously about a second wave of banking crises. Recall that, as predicted by the head of the DIA, the percentage of overdue credit institutions will soar to 20% by year end. Currently, however, statistics on the banks proves the opposite: the level of arrears falls, and the inflow of deposits from the public is growing day by day. Where, then, will undertake this second wave? Released today, the positive statistics on the situation in the Russian banking sector sounds discordant with the gloomy predictions about the second wave of banking crises. For example, the CEO of the Deposit Insurance Agency (DIA), Alexander Turbanov no further, as last Friday was frightening prediction that the outstanding debt of Russian banks by the end of the year could grow to 20% increase in "bad assets" the head of the DIA has not scare the first time. Previously, he noted that critical to the banking system may be an increase in delay up to 10-15%. Expectations of Chapter DIA looks plausible, but today's statistics tell a different story. As Director of the department of banking regulation and supervision of the Central Bank of Russia Alexey Simanovsky, level of outstanding debt in the banking system of Russia on May 1, taking into account the Savings Bank was 3.77%. According to him, increase the proportion of overdue loans for the month was 12%. "Dynamics of a little lower than the average for the previous months, although growth rates high," - he says.

Currency forecast for the week: the ruble will not grow

Banks Finansy08-06-2009 Trader forecast for the week: the ruble did not give rise from last week's winner came ruble and the dollar, European currencies also lost their positions. In the coming days the situation may change the publication in May retail sales in the U.S., or worsening political situation in the UK. Ruble, on the one hand, directly depend on oil prices. On the other hand, it is not like the strengthening of the Bank of Russia. Last week, the ruble rose and the dollar, European currencies also lost their positions. The Russian currency rose against the dollar with oil. Over the past week a barrel of oil went up by 4,5%. The ruble has strengthened in response to the 5.2 cent / dollar exchange rate to 30.6919 rubles. Rise against the euro, he managed only on Friday, but just for 25 cents - up to 43.6009 rubles. See also: European currency weaken discord in world currency markets earlier in the week the dollar fell, but then showed a marked strengthening. And the good news, which so pleased Europe is not able to change this hand. Although data on retail sales in the euro area, as well as the dynamics of property prices in Britain have given hope for a speedy return to growth.

In the U.S. brewing a new wave of crisis

Banks Finansy21-05-2009 in the U.S. brewing a new wave of crisis mortgage debt is no longer the main threat to the U.S. banking system. Now a major role to play arrears on credit cards, which amounted to nearly a trillion dollars. The United States Government has already committed to helping borrowers, passed legislation that restricts the arbitrariness of banks. Russia did not need to fear this kind of debt on loans. Russians still prefer cash and not so often use credit cards. Okay? Okay, so not much: the main danger for otechestennyh banks comes from corporate loans. The U.S. administration began to address problems with credit cards. Why would it suddenly? After all, as in the past couple of years taught the entire world banking system threatens to delay first mortgage debt. However, the emphasis has shifted. Notorious mortgage is no longer a major threat to global financial calm. A new wave of crisis of the American banking system may come to it with outstanding debts on credit cards. After all, the total debt on credit cards in the U.S. already in January 2009, according to the Federal Reserve System, makes $ 963 million

The lesson of Islam to the world financial system

Banks Finansy27-05-2009 Lesson of Islam to the world's financial system at the beginning of the crisis, many analysts predicted that the current financial storm easiest thing to go through the Islamic financial system, in which, according to the rules of Islam, banned lending rate - the basis of wealth and power troubles for the traditional world of money. Today, as disclosed annual and quarterly reports, Bigness.ru figured out what the results showed the Islamic sector of the economy compared with the others. As a result of obedience to religious laws, the prohibition on charging a fixed percentage, and complex financial instruments, Islamic banks have helped to avoid huge losses due to non-payment of debts that led to the collapse of the global financial system. "Last year as a whole we can say that the biggest Islamic banks are in much more stable financial position than the largest U.S. banks. In particular, I spent the calculations showed that last year the four major Islamic banks, on average demonstrated twice the return on sales than the five largest U.S. banks. Also Islamic banks was substantially higher return on assets and capital ", - said Bigness.ru analyst of" Finam "Zarina Saidov.

Property of debtors find it increasingly difficult to sell

Banks Finansy03-06-2009 assets of debtors find it increasingly difficult to sell the Provision of loans secured by assets, may be worse than hitherto believed bank analysts. As found Bigness.ru, in addressing debt issues are increasingly a problem arises not only reduce the cost of the mortgaged property, but also the complexity of its implementation. As told in an interview Bigness.ru board member of the Association for collection business Andrei Sorokin, lower sales volumes of mortgages can be traced from the fourth quarter of last year. With this experienced and Federal Bailiffs Service (FSSP). Recall FSSP is realized only through the property levied by the court bailiffs. Collectors also may sell the debtor's property only if its approval and pre-trial order. In FSSP also notes the increase in complexity with the implementation of the seized property. According to the service in 2008, was referred to the sale of property of debtors in the amount of 20 billion rubles, and sold a little more than 5 billion rubles. In the first quarter of 2009 was passed to implement this property for 8 billion rubles, sold 419 billion rubles. In Office, partly to write off this trend to organizational problems, in particular, with the abolition of the Federal Property Fund. However, the trend is confirmed by collectors.

Russian Agricultural Bank - an active participant in the international exhibition Agrocomplex 2006

Banks Finansy25-10-2006, Alexander Zaitsev of Pravdinsky area rather skeptical about the possibility of obtaining a bank loan to maintain personal farms. Say, you must prepare the mass market, around a dozen cabinet officials to stand in different lines. The peasants, it is difficult to carve out as much time with them, as they say, the day of the year feeds. Yes and no visits to the regional center of the heartland. These loud statements heard the deputy director of the Kaliningrad regional branch of OJSC Russian Agricultural Bank, Alexander Tomczyk. And you tried to get a loan? - He asked a question Zaitsev. "No, I did not try - honestly confessed Zaitsev. - But people are saying .... "

Palladium ruble was no use to anyone

Banks Finansy05-06-2009 Palladium ruble was no use in the production of rubles in the form of coins made of palladium, the practical meaning not believe the Central Bank representatives and analysts. Palladium - not the most popular metal, besides its price is tied to the situation in the global engineering industry, which suffers from a crisis. Yes, and repeat the success of the "golden ducats" the beginning of XX century palladium coins unlikely. The Bank of Russia sees no need to release the palladium of the ruble, announced today the first deputy chairman of the Central Bank of Russia Alexei Ulyukayev. "We can strike any coins, but investment in them will not be a profitable business for banks," - he said. With him according to analysts polled by Bigness.ru. Recall the idea of ??the release of palladium rubles was made before the State Duma Speaker Boris Gryzlov. According to him, "it would be a very stable currency." He expressed hope that the Russian ruble of palladium could become quite popular. "We may recall Nicholas gold coin, which was freely convertible and went well" - said Gryzlov. We recall that Nicholas gold coin was the basis of the monetary system of Tsarist Russia at the beginning of the twentieth century, which since 1897 has been fully backed by gold. Coin of the "10 rubles," weighed 8.6 grams and was poured from the 900 gold sample.

In Russia, price cuts go unnoticed

Banks Finansy04-06-2009 in Russia to lower prices go unnoticed growth of consumer prices in Russia by the end of the year will change their fall. Such an optimistic outlook of Bank of Russia caused a slowing of inflation data. However, from the Central Bank is now also depends very much: if the price increase is something and can stop, so it's relevant policies of the Central Bank, the expert said in an interview Bigness.ru. In any case, a country little has changed. Growth in consumer prices in Russia by the end of the year will change their fall. This forecast was voiced by the first deputy chairman of the Central Bank of Russia Alexei Ulyukayev. He drew attention to the fact that for the second consecutive month of price increases on average two times lower than in the past year. "Inflation in May is twice lower than in the past year, the cumulative inflation - 6,8%. There is a favorable chance of further decline - as soon as we can see and zero and negative values, "- said Ulyukaev. That is, in some months, it may be observed deflation. Recall that the deflation is often implied a negative inflation, or, in other words, the fall in prices. According to the Federal State Statistics Service, inflation in April and May amounted to 0,7%. Last year, the figure in both months was 1.4%. In general, the annual inflation (from month to month) shows a decline. If from April 2008 until April 2009 price increase was 13.3%, exceeding the official forecast of 13% in 2009, then in May it was reduced to 12,5%.

Banks recover, but continue to be greedy

Banks Finansy09-06-2009 banks recover, but continue to be greedy British Bank first in the world decided to return to the state's anti-crisis funds. They became the Lloyds. Earlier, on his desire to return the money claimed American institutions JP Morgan Chase, American Express and Morgan Stanley. Ended with a banking crisis? Not exactly, experts say. Financial position of banks is not so bad, but they lend to the economy are still not want to. It is finished. The first bank in the world began to return to the State's anti-crisis funds. They became the British Lloyds. Currently, Lloyds starts paying the state 2.3 billion pounds, according to RIA Novosti. Make such a gesture would allow the British bank relatively successful (at crisis time) placement of additional shares (ie, selling the bank of its shares on the market). The Bank managed to place 87% of its shares. If we can not accommodate the remaining 13% of the additional issue of new shares will be bought by the British government. According to the results dopemisii Lloyds Banking Group has received about 3.5 billion pounds. A package of state aid received by the Bank in January, amounted to 17 billion pounds. Recall that in September last year, the bank Lloyds TSB has acquired urgency in the country's biggest mortgage lender HBOS, was on the verge of bankruptcy.

Russian banks are losing the confidence of investors

Banks Finansy06-10-2010, Russian banks are losing the confidence of investors Bank of Russia has revoked the license of one of the largest banks in the country "Mezhprombank, controlled by the senator Sergey Pugachev. And now, as told Bigness.ru analyst Investkafe Anton Safonov, the Russian banking system may lose the confidence of foreign investors. As informs department external and public relations of Bank of Russia, a license to conduct banking transactions from the credit institution revoked in connection with the failure of federal laws regulating banking activities, and regulations of the Bank of Russia. In connection with the loss of liquidity ZAO International Industrial Bank has not ensured the timely implementation of obligations to creditors. In addition, the credit organization conducted high-risk lending policies and create adequate provisions for possible loan losses. The bank was represented in the Bank of Russia is essentially false statements and claims are not fulfilled the requirements of the supervisory authority.

Bank Tinkova used remotely

Banks Finansy21-12-2010 Bank Tinkova used remotely innovative system opening deposit online bank "Tinkoff Credit Systems has become a place of dubious financial transactions. Expected that some investors used the opportunity to transfer funds without a commission on deposits by TCS QIWI-purse and earned bonus points, while the bank undertook the payment of the transfer. As reported in TCR-bank, the "64 customer abused the terms of term deposits, using them to transfer large sums of money that caused the unplanned loss of money." It is worth noting that some banks use the now fashionable marketing programs cash back, which require repayment of funds spent to purchase by credit card. Transferring funds to QIWI-purse in some banks is just such a waste. Clever fellow transfer funds from such cards in QIWI, and then cashed through the accounts of TCS. It is no commission from the bank Tinkova make these operations profitable. In the end, TCS worried that some customers of the bank repeatedly to transfer funds, including through a system of electronic money QIWI-purse and cashed them. During this operation also pays TCR-bank for customer service for free.

Bank of Moscow will not fall

Banks Finansy01-10-2010 Bank of Moscow will not fall Fitch Ratings placed the ratings of Bank of Moscow (including long-term issuer default), the list to review with negative implications. This is due to a change in city government, which is the main shareholder of the bank. Ordinary depositors should not be afraid. The fall of the bank included in the deposit insurance system would be too expensive to the state. Until now, the long-term issuer default rating was at the level «BBB-», short-term RDE - at the level «F3», a long-term national scale rating - «AA + (rus)», the support rating "2", individual rating «D». Its decision analysts Fitch, explain the dismissal Mayor of Moscow Yuri Luzhkov decree of President Dmitry Medvedev and the appointment of the new mayor of Moscow. This poses a risk of worsening relations between the bank and the city authorities, experts say: "According to the agency takes into account the close relationship with the bank's previous city administration, large amounts of bank business with companies that are closely associated with the City." Fitch also draws attention to the confrontational nature, which is a change of power in the city.

Baturin sold their bank

Banks Finansy10-12-2010 Baturin sold his bank, wife of former Mayor Elena Baturin has sold to foreign investors "Russian land bank." In November, completed the sale of owned 98.12% stake in the six Cypriot companies Boaden, Elppop, Xulaka, Kourinio, Stylileni and Fanjet, each of which has acquired about 16% of the shares. The remaining 1.8% stake will remain with the minority shareholders. Company spokesman Inteko Gennady Terebkov explained that the head of the company Elena Baturin has reached an agreement for the sale of Russian land bank "of several foreign investors in October. According to him, since November 13, the new shareholders of the bank under a contract of sale from 22 October 2010, only six are International Business Companies (Boaden, Elppop, Xulaka, Kourinio, Stylileni and Fanjet), each of which owns 16.35% of ordinary shares. The transaction amount is not subject to disclosure, says agency Interfax.

Credit is subject to refund

Banks Finansy13-11-2010 Credit to be returned to the Finance Ministry has sent a government bill on consumer credit. " Act in the current version focuses on the legal protection of consumers: banks ban unilaterally raise the constant interest rate and charge the borrower fees for early repayment. In addition, from the already taken credit could be phased out within two weeks without explanation. The MOF provides appropriately improve Civil Code in connection with the adoption of a law on consumer credit. According to the authors of the bill he "stands on the side of a credit institution, which not only dictates the conditions and procedure for granting the loan, but do not assume any liability for non-estate loan agreement. In this connection, created legal prerequisites for that loan is extremely high percentage. " The bill requires the unconditional right to establish a borrower to repay the loan without giving a reason within 14 days from the date of the taking, with interest payments only for the actual period of the loan.

Banks ready to lend to students and the unemployed

Banks Finansy17-10-2010 Banks ready to lend to students and the unemployed the crisis was over, and banks are again able and willing to lend. However, the Russians are not so quickly recover from financial difficulties and to put it mildly afraid of borrowed money. To return to fashion for cash loans banks are willing to work without commissions and weekends, to lend the unemployed and students, as well as deliver loans directly to home. 100 specialists gathered to Kreditov.ru Bigness.ru most interesting proposals to date. For example, Nordea Bank lending in cash terms were revised in early summer. Loan for emergency needs and individuals can arrange a 25% per annum in rubles and 21% - in foreign currency. For registration and use of the credit for the period up to 5 years the borrower does not pay any additional fees. Not provided and the penalties for early repayment of the loan. Customer may pay the debt owed to the bank at any time, in full or in part. Moreover, the bank is willing to lend to borrowers without the involvement of the guarantors, if the value of the loan is not more than 150 thousand rubles. The loan amount for urgent needs will be transferred to a plastic card borrower with favorable terms of service.

Ernst & Young will remember the bankruptcy of Lehman Brothers

Banks Finansy23-12-2010 Ernst & Young will remember the bankruptcy of Lehman Brothers U.S. officials have pressed charges against one of the world's largest auditing firms Ernst & Young, a member of the "big four" major rating agencies. It is believed the prosecutor's office of New York the company has helped in hiding toxic assets by 50 billion and involved the bankruptcy of the largest investment bank Lehman Brothers. The collapse of the financial conglomerate, has assets worth over 600 billion dollars and considered inviolable, launched the mechanism of crisis of 2008-2009. Lehman Brothers hid the growing problem assets, clearing the balance by Repo 105 - one way of accounting veiling balances. Bank transfers toxic assets in their London branch «Lehman Brothers International».'s assets were sold to a third party with the obligation to buy them back within a certain time. By reporting the transaction as a sale held asset, not as borrowing against securities with the obligation of further compensation. It is assumed that Lehman Brothers held such repos since 2001. In this way only for 2007-2008 was derived about $ 50 billion As a result, borrowings Lehman exceeded their own 44 times.

Russian banks continue to lose

Banks Finansy15-12-2010 Russia continues to lose Bank Central Bank of the Russian Federation on Tuesday revoked the licenses of two representatives of the banking sector's capital - "Empire" and Privatholdingbanka (Moscow), as well as from NGO Transhteyd (Makhachkala). Experts have called this process is the tendency of the banking sector. In the future, the number of credit institutions of the Russian Federation will decline to several hundred. The latest decision of the Central Bank to revoke the license of the Bank of Empire "for banking operations was due to the failure of the credit institution federal laws regulating banking activities, said the Department of External and Public Relations of the CBR. In connection with the loss of liquidity of the Bank of Empire "does not provide timely fulfillment of obligations to creditors. With this guide, and members of the credit institution does not have the impact of measures aimed at resolving the situation. In addition, the Bank conducted high-risk lending policies and prevent violations of the norm of mandatory reserves deposited with the Bank of Russia. Writes Finmarket, the bank was represented by the CBR essentially false statements and claims are not fulfilled the requirements of the supervisory authority. The license of this credit institution has been withdrawn from 14 December.

Swiss banks do not hand over his

Banks Finansy09-06-2010 Swiss banks do not pass their lower house of the Swiss parliament rejected the law on banking secrecy, which would allow U.S. authorities to transfer the data from several thousand customers of the bank UBS, suspected of evading taxes. Nationalists and leftists blocked the document in the lower chamber. Debate in Parliament showed live on Swiss television. Against signing the agreement voted 104 members "for" 76 MPs spoke, and another 18 abstained. Against the treaty are the left and extreme right-wing Swiss People's Party. Thus, the deputies did not agree with his colleagues from the Council of States (upper house of parliament) approved the bill last week. The text of the agreement, which may come into effect after the adoption of the law, we are talking about data transfer 4,450 customers of the bank UBS. These people are suspected by U.S. tax authorities for tax evasion. The Bank opened for them to secret offshore accounts. According to experts, it will allow the tax authorities out of 10 thousand secret contributions of American citizens.

Banks will pay for everything?

Banks Finansy06-04-2010 Banks will pay for everything? London, Paris and Berlin finally agreed on the need for a global tax on banking transactions. About this the other day Prime Minister Gordon Brown. Now the Europeans will try to persuade the U.S. to make Wall Street pay for the financial crisis, but the magnitude of the proposed tax is not called. "Britain, France and Germany held talks about what we can do together. We agreed on the need to achieve a common basis, the relationship between banks and society must change, "Brown said. According to him, it is hoped that the British-French-German initiative will find support in Washington. Persuade the United States planned months before November, when Seoul has to go meet "Big Twenty." It is in the South Korean capital and is expected to make the initiative for discussion. While Gordon Brown in an interview did not specify the amount of annual payments that will pay British banks to the treasury, if the tax will be introduced. Instead operate sterling British Prime Minister has led a $ 10 billion, which according to him, planning to get this way in Washington.

Free protection for bank customers

Banks Finansy18-06-2010 Free protection for bank customers' Association of Regional Banks made with the idea of ??the establishment of the institute authorized to protect the rights of bank customers, or the Financial Ombudsman. This will resolve conflicts that arise much faster and less costly for both sides. For the citizens of the services of intermediaries will be free, and their solutions - independent. This project can be started as early as next year, says vice-president of the Association Oleg Ivanov. Idea was supported by the International Confederation of Consumer Societies (KonfOP) and the Association of Jurists. It is assumed that the new agency will enter into the structure of the Central Bank or to be fully independent body. In the case of financial support for their independence ombudsmen are likely to receive from the bankers. On the role of ombudsmen BDA offers its members or recommended by the association of prominent lawyers. At the first stage of the Ombudsmen could disassemble the case with the amount of claims, ranging from 10 to 100 thousand rubles.

Russians trust banks, short-term

Banks Finansy15-06-2010 Russians trust banks, short-term older age Russians - the greater their bank deposits. To such conclusion experts Profi Online Research, published the IV quarter of 2009, regular survey "Monitoring the retail market. Banks." In this case, the majority of respondents are not inclined to give money for a long time, opening deposits from one month to one year. The most common period for which contributions may prefer to open bank customers, ranging from 1 month to a year: almost 2 / 3 of respondents contributions are made exactly at this time. This is likely due to the circumstances of the financial crisis, because of which the stability of exchange rates is not observed, and people are afraid of losing control over their money, giving them permanently at the disposal of the bank, according to a review of the Profi Online Research. Men are more open to contributions from long-term (12 months). While representatives of the weaker sex often make contributions for 3 months.

Banks have gained a lot of superfluous

Banks Finansy01-06-2010 banks have accumulated a lot of unnecessary non-core assets of Russian banks that have fallen to them in times of crisis, according to the Central Bank has already made more than 2 trillion rubles. Basically it is real estate. The volume of lending are growing very slowly. Delay in Russian banks on loans to non-financial sector increased to 6,0% from 5,8% at April 1 this year. Delay on the natural persons remained at 7.4%. Over 70% of the collateral's 20 largest Russian banks accounts in real estate, reports Finmarket with reference to the director of department on work with distressed assets of the Savings Bank. Residential property accounts for 18,5% to ensure major banks, the commercial - 39,3%. This is best evidenced on the magnitude of the problems faced by borrowers. According to the Banking Congress in St. Petersburg, director of banking regulation and supervision of the Central Bank Alexey Simanovsky Central Bank intends to "help" the bankers to part with non-core assets. Starting next year, when you book for possible property will be assessed at a discount of 20% of the cost if the property is not sold within a year. If the asset is sold for two years, the discount can reach 50%, three years - up to 100%, warned Simanovsky.

Credit may be Around the World

Banks Finansy06-08-2010 Credit may be Around the World Have you not enough money for a tourist trip, but delayed the journey does not want? There is a good way out of this situation: take a ticket to the loan and pay the coveted Tour not once, but in installments over the next few months. More details about this service Bigness.ru says vice-president Denis KB Interkommerts Khrenov (hereafter DH). Bigness.ru: - Many Russians do not have enough salary to afford to go on vacation, not hoarding. Have to be postponed, but it's not at all turns. Now on hearing service - ticket to the loan. Tell us more in detail what she like? What is beneficial? JH: - Road to credit (PwC) - a set of two popular products: tourist travel and consumer credit, which combine in a convenient format provides the consumer sales growth for the tourism company and the number of customers of the bank lender - due to meet customer needs in acquisition of necessary services to him, a tourist trip. In this combination lies the main advantage of STC, which is significantly lower (compared with other types of consumer credit) charge for the use of borrowed resources of the bank or even in it (the board) the complete absence.

State banks went cap in hand to "thugs"

Banks Finansy29-07-2010 State banks went cap in hand to "thugs" from the first state-owned banks surrendered. VTB 24 plans throughout the summer to sell to collectors portfolio of bad loans worth $ 4 billion rubles. Until now, state-owned banks did not cooperate with "thugs" for fear of reputational risk. But now State players have accumulated that amount of troubled assets that the individual work with them becomes almost impossible. On the bank's intentions to sell several large portfolios of distressed debt collectors, said yesterday in an interview with RIA Novosti head of the bank VTB 24 Mikhail Zadornov. "We will remove from its balance sheet a few tens of thousands of loans that are in the delay (...) this portfolio, which is measured by several billions of rubles. The first deal we spend the next two months "- quoted him as saying the agency. Plans to sell mainly unsecured loans to the small size of the remaining debt: pools of loans, cash and credit card debt. These loans are not concentrated in any one region and spread across the country, he said.

Values ??more comfortable in the deposit box

Banks Finansy11-08-2010 Values ??comfortable in deposit box Humanity has been searching for a reliable way to store their treasures. They are buried in the ground, hiding in caves or lease the station luggage as "underground millionaire" Koreiko. Today such exotic ways no one uses - much more practical and safer to store your valuables in a bank vault. More information about this service Bigness.ru said Board Chairman Flexinvest Bank Marina Mishuris (hereafter MM). Bigness.ru: - How to protect your valuables? MM: - Rental of personal bank of cells as a means of temporary storage of values ??that are widely spread. The reason for that - accessibility in the broadest sense of the word. It's affordable, by location (usually choose the bank, located close to home or work), the lease terms are available for understanding a wide range of population, the procedure of renting and visiting the store with a mesh strict and at the same time, simple in execution.

Business lobby became interested in the pension problem

The business of war rules igry05-09-2007 A business can and is willing to help the state provision of pensions to the Russians, but in return he asked for easing the tax burden. From the depths of the Russian Council of Industrialists and Entrepreneurs (RSPP) has appeared the draft document, which proposes to consider participating in the scheme of co-financing and employers (ie, big business) - is not without benefits for the latter. In April, the Russian president has promised to stimulate the voluntary-funded portion of pension contributions of public co-financing. That is, anyone who voluntarily defer part of their salary for their future retirement, the state will add a similar-sized amount - up to 18 thousand rubles a year for at least 10 years. It is clear that such an initiative was met with "a bang": according to the poll "Bashkirova and partners," already a month ago, the willingness to participate in the program expressed 10.8% of respondents willing to allocate to the system up to 3% of salary. Indeed, the promise of the president, according to calculations Finance Minister Alexei Kudrin, a 10 anniversary should be of interest to 12 million people. In this project co-financing voluntary retirement savings of more than serious - government spending on pensions will rise during this time, according to Kudrin, with 4-8 billion rubles a year to 100 billion

Owe the bank? The court can be avoided

Banks Finansy19-09-2010 debt to the bank? The Court can avoid the global financial and economic crisis hit hard by the consumer credit market, at times increasing the already huge delay. Someone can not repay the loan, who does not want covering their sins excuses - "Crisis." But what do you do if money did not, but the trial does not want to admit? The share of problem loans in the Russian banks has reached 25%. These are the data rating agency Fitch. By challenging the agency classifies loans overdue more than 90 days, and prolonged. Senior Director, Fitch Alexander Danilov also recognizes that the actual amount of restructuring is known only to the banks themselves. In his view, the proportion of restructured loans in any case exceed the data of the Central Bank, but not all of these loans - problem. 100 Kreditov.ru specialists confirmed that the reality of bad debt is now one judge is not taken, and judging by the official, the amount of overdue loans is at least 30 billion rubles.

Benefit from the contribution tends to zero

Banks Finansy19-08-2010 benefits from the contribution tends to zero as banks continue to lower rates on deposits, coming during a crisis to attract customers. Thus, the maximum income on deposits in the Savings Bank today barely covers the current inflation. Thus, we return to pre-crisis year of 2007, when the rates have not kept pace with price increases, and earn on deposits is probably not succeed. Recall rates during the crisis of Russian banks strongly soared. Thus, lenders tried to attract investors, which because of the crisis considerably reduced. The government "generosity" of the banks criticized. Thus, the head of the Central Bank Sergey Ignatiev has repeatedly warned the banks that some of them may have trouble making a profit because of the involvement of public funds at exorbitant rates. Since the beginning of July last year, when averaged over the maximum rate stood at 14.85%, the CBR has started to monitor the Internet sites of ten lending institutions that are leaders in terms of deposits of physical persons. As a result, the Government has made her - the banks have been actively cutting rates. On August 16, 2010 Sberbank has once again changed in the direction of decreasing interest rates on deposits of individuals in rubles. Size of lower interest rates averaged 0,6-1,75% per annum, depending on the type of deposit and term placements, RIA Novosti reported.

Siemens confused the market

The business of war rules igry05-09-2007 Siemens confused the market's Moscow office of Siemens AG yesterday suddenly announced his determination to take preemptive right to acquire 30.4% stake of OJSC "Power machines" owned by Interros Holding Company - in spite of all market expectations and unspoken understandings. Today, however, the German Siemens office in Frankfurt am Main denied allegations of their Moscow colleagues. "Yesterday we received an official letter from Siemens, in which he informed us of their intention to use the preemptive right to purchase our package - said Bigness.ru spokesman for holding Andrew Kirpichnikov. - I will not hide that for us it was a sudden decision, but we accepted it calmly. " Using Siemens pre-emptive right to buy shares automatically means the need for repeated application to the FAS. However, tonight the FAS stated that such application has been received. And today on the tapes of Western news agencies there was a message with a link to the central office of Siemens, in which unnamed sources close to the leadership group, abandoned this intention. The Moscow office had no comment.

Do raiders article?

The business of war rules igry05-09-2007 Subject raiding again at the hearing: in St. Petersburg recently announced the elimination of an entire gang of raiders, and the capital's Mayor Yuri Luzhkov demanded the development and adoption of specific articles of the Penal Code, which provides punishment for raiding . "" To date, there is need for a specific article of the Criminal Code to combat the raiders. The thing that used today in such cases, the articles of fraud associated with false documents and usurpation, were quite different sanctions ", - said Yuri Luzhkov an interview with Moskovsky Komsomolets. "Although there is a fascinating company applied a" colossal economic damage, stops the production, people remain without pay, and responsibility for the consequences of no one on the merits can not be held ", - said Luzhkov. He said Russian law helplessly in the fight with the sharks business: in fact the raiders out of reach of criminal law because of lack of evidence "- the mayor said. Luzhkov's words stirred the Russian business, as for the adoption of the relevant article of the Criminal Code require a clear definition of raiding. Any arbitrary interpretation of this phenomenon may lead to reprisals against a completely law-abiding companies.

Science Fiction Yakunin: RZD plans to build roads in Stakhanov

The business of war rules igry06-09-2007 science fiction Yakunin: RZD plans to build roads in Stakhanov approved yesterday a draft Strategy for Development of Railway Transport of the Russian Federation to 2030 is striking. Railways going for 23 years to make as much as the USSR did not have time, and for 70 years. Yesterday evening the Russian government approved a draft Strategy for Development of Railway Transport of the Russian Federation until 2030. For the next 1923 guide Railways announced plans for the conquest of the Napoleonic Russian spaces. "During the period until 2030 is planned to build 20 thousand kilometers of new railway lines, - said Vladimir Yakunin. - For comparison: in the Soviet period, ie more than 70 years, the Russian Federation was built about 30 thousand kilometers of new railways, including BAM. And, for the first time in its history, rail connection will be republic of Tuva and Altai Mountains, Magadan Region, the Nenets Autonomous District. Said Vladimir Yakunin, the largest volume of new railway construction is planned in the eastern federal districts of the country.

Fighting inflation Russia is too tough

The business of war rules igry22-01-2008 Combating inflation is too tough for Russia Freezes - Do not freeze, but prices still "spoiled". Rise in prices of consumer goods is inevitable. Experts advise the government honestly look in the eyes of the people and admit that "freezing" of prices has no effect. To contain price hike of products the world needs to feed bread, milk and butter, they say. In January Russia's inflation rate not less than 1,8%. However, it does not go beyond the promised 7,5-8,5% on the results of the year? Government is seriously stumped. Especially since the deadline for "freezing" prices for socially important food products. Why again did not "freeze" without waiting for the spike? Last autumn, we have already taken measures to stabilize prices: an agreement was signed between the producers and traffickers. This, according to the government, was very helpful - we did avoid a 40% strength rise in price of products! Let's walk the beaten path, at least until the election. And there - whether that be!

Rosatom for high-rise will leave academics homeless

The business of war rules igry27-11-2007 Rosatom for high-rise will leave academics with no shelter on that Rosatom plans in the territory of the Institute of Theoretical and Experimental Physics, build high-rise office building, which will be twice the nearby office of Gazprom, the media writes is not the first month. However, despite the absurdity of this situation and attempt to evict a research institute with its own territory, Moscow authorities responsible officials prefer to keep silent. And this despite the fact that the behavior management of Rosatom is daily becoming more and more threatening. So, just recently became aware that the agency claims not only on the ground of the institute and museum-estate Golitsyn, but also adjacent to the territory inhabited settlement Cheremushki. The five buildings that make up this village, for decades home to the ITEP staff, academics, cultural figures. And now Rosatom plans to demolish these buildings for residential new construction, and to evict people for the Ring Road.

"Mail of Russia" to try on odezhku "Savings"?

The business of war rules igry12-02-2008 "Russian Post" try on odezhku "Savings"? Andrei Kazmin, the former head of the Savings Bank, taking the head seat of Post of Russia, has decided to radically reform the national postal service operator. Our experts say it's a sign - "Mail of Russia" may be destined to some great mission in the post-Putin Russia. position at the "Post" today is extremely unflattering. For a 2007 loss ratio increased by 60.8% and was equal to 4.8 billion rubles. Experts note: if there is no change, then in 2008, postal losses "will increase by 19%. This was discussed at the June board meeting last Monday, the Ministry of Information and Communications, the Office of which is "Mail of Russia". Such low rates Kazmin binds with low price for basic postal services - forwarding. The fact that the cost of registered mail, on average 2 times higher than the price paid by the sender. "The low tariffs due to the protection of the interests of the poorest segments of the population, but use them all the categories of customers as well as diversification of tariffs available. In fact, the "Mail" subsidizes both commercial companies and large government institutions such as pension funds, tax and judicial authorities, which account for almost three-quarters of registered mail, "- said the head of the Russian Postal Service.

Trade unions are raising their heads. Will they be able to paralyze the country?

The business of war rules igry21-11-2007 unions raise their head. Will they be able to paralyze the country? Russian trade unions, as if inspired by the experience of their French counterparts, have arranged for some few weeks in the country, almost pre-revolutionary situation. Workers' strike at Ford plant Vsevolzhsk become resonant event that rocks the colleagues on the shop floor and in other regions of the country. Hardly any of the observers could assume that the requirements of the plant's workers, carried out the industrial assembly of cars Ford Focus will be maintained elsewhere in the Russian automobile industry. Despite statements by union workers, Ford Vsevolozhsk "that" company managers are paid a European level, and the workers - below the level of the Russian subsistence minimum, the public more aware of the numbers from the factory administration. In their words, the average wage in manufacturing supposedly above average on the market. So suddenly become the support that has vsevolzhtsam union tit factory "Renault Avtoframos. Yesterday, his representatives held a picket at the doors dealership Ford in Moscow. According to the organizers of the rally, it was attended by trade unionists and other automobile manufacturers. Such solidarity were noticed (not least) in the media can be called a victory for Inter-regional trade union in the automobile industry (MPRA).

Megaholding Rostekhnologii passed its first reading

The business of war rules igry12-10-2007 Megaholding Rostekhnologii passed first reading the State Duma passed in first reading bill on the state corporation to promote the development, manufacturing and exporting high technology industrial products Rostekhnologii. This will be a strong state structure, which will not only control the trade of Russian weapons, but also will manufacture and sale of civilian goods. There also will include the company Rosoboronexport. Creation of Russian Technologies "will take place in two stages. First Federal State Unitary Enterprise will be transformed into public companies, and then 100% of its shares will be transferred to the charter capital of Russian Technologies. " As follows from the bill, the property of the state corporation will also be formed at the expense of "regular and (or) non-recurring income (contributions) from organizations with more than 51% of the shares (shares) which is in its ownership." Specific figures on the amount of capital Rostekhnologii neither the bill nor the explanatory memorandum does not contain. As explained in the Federal State Unitary Enterprise, is due to the fact that "now impossible to value assets."

Rosatom will destroy the institution ambitious construction project

The business of war rules igry20-12-2007 Rosatom will destroy the institution ambitious construction project Rosatom plans regarding the closing and demolition of the Moscow Institute of Theoretical and Experimental Physics, located in the metro area academic, with every day are becoming new colors and shapes. For example, recently the press service department issued a statement that the high-rise office in ITEP will be built by 2011. The project will cost 30 billion rubles, which, given the scope of the claims of officials from Rosatom, it is not surprising. After all, the land where it is still is a research institute, intend to erect a tower at 150 meters, the hotel complex, underground parking, health and sports infrastructure. Information on how to settle the Institute of Theoretical and Experimental Physics, the sponsors hold back. And this despite the fact that earlier guidance Rosatom has promised that no scientific center, nor a number of unique structures, including the manor-Menshikovs Galitzine XVII century church of the Sign of the XVIII century, will not suffer. Meanwhile, the events currently taking place in the ITEP, indicate the contrary. A few days ago under the pretext of restructuring Rosatom all employees of the institute was given notice of dismissal from the February 22, 2008.

20 years for raiding

The business of war rules igry24-03-2008 20 years for raiding Raiding may soon become a separate kind of crime prescribed in the Penal Code. Despite the fact that clear criteria for determining the raiding there for him will be jailed for up to 20 years. Such a bill prepared by the initiative group for which the Duma today spoke deputy State Duma Security Committee Gennady Gudkov. According to him, the bill provides for increased penalties for obtaining criminal control over the property and funds of enterprises of different ownership forms. Article of criminal law, which is currently on trial (note that unsuccessfully) invaders business, Gudkov called super soft. In his view, they allow the impunity to carry out seizures. For falsification of documents with a maximum face a suspended sentence, because to prove the purpose and procedure of their production is almost impossible, said the MP. The bill makes changes to the article, defending the property rights of Russians, such concepts as "raiding", "illegal weaning property", "robbery", as well as criminal penalties for document fraud, which are used at weaning someone else's property.

A breach in security of alcohol: the warehouses may well substitute

The business of war rules igry04-12-2007 Security flaw in the alcoholic: the warehouses may well substitute for Surrogates, fake vodka, poor-quality wine - all this may soon be a first in the wholesale stores, and eventually on the shelves stores. Russia's president signed a document on the withdrawal of the scope of the wholesale system EGAIS. What will happen to the alcohol market in Russia, is anyone's guess. When EGAIS acted in wholesale trade data on the number of "counterfeit" of vodka on the shelves were out of the ordinary disappointing. "Half of the alcohol market is the illegal products. At present, only in Moscow fake vodka 25%, where everything is controlled, while in the 40-50% ", - stated at a roundtable member of the security committee of the State Duma Gennady Gudkov. Recall Unified State Automated Information System (EGAIS) was designed to maintain complete records of all alcohol produced in Russia - from the assembly line to store shelves. However, to date, due to problems with the implementation of the system, from its zone of action derived retail and wholesale.

Reducing tariffs - a dubious benefit

The business of war rules igry08-12-2008 tariff reductions - the dubious benefit of Rare Russian complained of ultra fast rising prices for energy, utilities and other services of natural monopolies. The authorities promise to curb the rise in the cost of these services. But what a price for it will have to pay? Experts claim that the decline in growth rates will immediately lead to the bankruptcy of the enterprises of natural monopolies, which in turn have a negative impact on ordinary citizens. As Prime Minister Vladimir Putin at a meeting on economic issues, on Friday, he considers it possible to reduce the rate of growth of tariffs of natural monopolies in 2009. "We discuss now the possibility of a more flexible policy in this area, to reduce the rate of growth rates, but at the same time to find the best way to support investment programs of our largest companies", - said Putin. However, experts say, implementation of such words Prime Minister, though possible, but extremely difficult and not entirely appropriate, especially now that the company and so are severely disadvantaged. As the analyst says Veles Capital "Oleg Zotikov, tariffs for 2009 for electricity and gas sectors have already been approved and were not reviewed.

Scanty whether hand-taker?

The business of war rules igry12-02-2008 is scanty hand taker? Every age has its heroes - in the last century it was Pechorin with Onegin. In the 90's - cine Brother Bodrov. In the 21 century, the heroes more often go to white-collar thieves, the common people - hauler. Brand managers of famous and not-so record labels, supply supermarkets and retail chains, procurement managers and others. On them are composed of even novels such things modern anti-heroes, characters antiglamura. Bribery has always been the engine of progress in Russia. Classics argues that earlier preferred to greyhound puppies. Now "green." A lover of truth-uterine Saltykov-Shchedrin, who more often than others in the 19 century stigmatizes the bribe-takers, said: "They took us. True, that was taken. Who God is not sinful, the king is to blame? Why, and then say something better than money is not taken, and things to do? How do you take it and work as a handy, promotional. It's all unique, that money is on the road to find so do not take advantage. " But like two hundred years ago, Russia remains a haven for bribe takers and bribe-takers. And when asked how business in Russia, we often joking with me, they say, steal-from ... Kickbacks in the business world - it is reality, this is not a myth.

Who will speak against the cartel?

The business of war rules igry05-04-2009 who opposed the cartel? Federal Antimonopoly Service (FAS) continues to struggle with the cartel collusion of all kinds: whether the collusion of bankers with the insurers or the high price of gasoline. Today businessmen for taking responsibility for the conspiracy is sufficient to "repent". The service is now going to tighten the rules for "amnesty" and issue "indulgence" only to the member who was the first "hand over" allies. Experts doubt the effectiveness of the mechanism - the risk of disclosure of the cartel is small. Apologist of free competition in the face of the Federal Antimonopoly Service (FAS) launched a new initiative. At this time, the antimonopoly authority is planning to abandon the practice of the administrative leniency companies to acknowledge the participation in the cartel. At the moment, every company that "repent" in the conclusion of anticompetitive agreements, gets "indulgence", being released from administrative liability. Now the service offers to save indulgence only for the company, the first reported participation in the conspiracy. In other words, the company that first "hand over" allies.

Railways will have only the rails, sleepers yes

The business of war rules igry04-03-2009 U Railways will only rails, sleepers yes, FAS intends to work on the rules of access of carriers to the railway infrastructure. Does this mean that Russia will soon appear Railways alternative carriers? It was not there, in this case, the Antimonopoly Service is ahead of the reform of railway transportation. Although in a crisis monopoly RZD becomes ineffective. Federal Antimonopoly Service (FAS) of Russia is planning this year to adopt a law on natural monopolies, in which independent business will be guaranteed access to their infrastructure - that is, to pipelines, communication centers and transport routes. Among other things, FAS intends to work and on the rules of access of carriers to the railway infrastructure. From the standpoint of logic, an inexperienced person, if the office is going to work on rules to prevent discrimination against carriers, this means that Russia will soon have competition in rail transport. It was not there, explain the experts. In this case, the Antimonopoly Service is running ahead of the reform of railway transport, in fact, make rules for non-existent until the Railways alternative carriers.

Antimonopoly Service dissatisfied with Microsoft

The business of war rules igry10-06-2009 Antimonopoly Service dissatisfied with Microsoft monopoly Russian fighters continue to attack on Microsoft. Federal Antimonopoly Service brings to the American software giant, all new claims. This cessation of sales of Windows XP, and Microsoft operating systems pre-installed on notebooks without a user's ability to abandon it. However, under the force of a Russian agencies to overcome the monopoly? Federal Antimonopoly Service (FAS), all closely watching the work at Microsoft. And it has to it no small claims. So, today, FAS filed a lawsuit against six manufacturers of laptops, pre-install the OS Microsoft. Moscow. So, last week it became known, the FAS still recognized the Microsoft monopoly. Office suspects that its dominance on the operating systems market in Russia, the U.S. giant Microsoft is breaking the law "On Protection of Competition." FAS considers illegal corporate decision to stop selling the operating system Windows XP. Because of this operating system (OS) is still a demand. Microsoft, in turn, offers users to purchase the more expensive version of Windows Vista, which make it possible to use XP.

The state is tired of feasting during a plague

The business of war rules igry23-04-2009 State of tired of feasting during a plague struggle with a crisis often leads to a huge cash infusion into the economy of the state. Inevitably there is a problem of squandering those funds for other purposes. In particular, are often officials or managers of state-subsidized companies distribute some aid in his pocket. In many countries, bonus plans at companies that have received public money legally banned or severely limited. Reached the boiling point of this question and in Russia. And very useful, because criticism of a spending binge has been repeatedly heard in respect of state corporations. In the crisis has repeatedly been complaints to the companies who ask for help from the state, and, nevertheless, pay dividends to shareholders and bonuses to top managers. Probably the biggest accumulators were leaders of the largest American insurance corporation American International Group (AIG). The company, which has appeared on the verge of bankruptcy, has received government assistance of $ 170 billion then, the leaders of the insurance company ordered the bonuses in the $ 165 million in the situation interfered svezheeizbranny U.S. president, a question: "How do they justify this outrage to the taxpayers who provide the company?".

Yuri Luzhkov, did not want to employ Chinese

The business of war rules igry23-07-2009, Yuri Luzhkov does not want to employ Chinese, Moscow Mayor Yuri Luzhkov said that the employment of Chinese who worked on the Cherkizovsky market, not the task of municipal authorities. The fact that the closing of the odious flea markets left without a job a few thousand people, mostly migrants. And many of them working in Russia illegally. To support their compatriots in Moscow today a delegation from China. Moscow Mayor Yuri Luzhkov, once again spoke about the problem of traders with private Cherkizovsky market. Capital's mayor said that the problem of the city "does not include siting Chinese trade, including that was at the Cherkizovsky market," ITAR-TASS. "The issue of placing trade friends from China - it's not our problem" - he stressed. Luzhkov has also confirmed that the closed June 29 Cherkizovsky market is no longer open. The fact that the closing of the odious market left without a job a few thousand people, mostly migrants. Information on the number of unemployed traders ranged from 14.2 thousand people (the capital of the Department of Labor and Employment) to 100 thousand (data from the Federation of migrants in Russia).

Bank of America to be punished for extravagance

The business of war rules igry04-08-2009 Bank of America to be punished for extravagance Another bonus scandal in the U.S.. Country's largest bank - Bank of America - will have to pay $ 33 million fine for being too generous bonuses paid to employees. Earlier it was reported that the nine largest financial institutions in America last year paid bonuses of $ 32.6 billion Thus, all nine companies have received from the state imposing monetary support. In the United States broke another scandal wasteful bankers. Largest U.S. bank - Bank of America will pay $ 33 million fine for being too generous bonuses paid to its employees. This was reported by The Securities and Exchange Commission (SEC), according to RIA Novosti. Penalties against the bank were displayed after the last week the prosecution of New York released data on bonuses paid to a number of banks that have received financial assistance from the state. Bank of America has received one of the most impressive package of state aid. However, this did not prevent the bank to pay for the year 2008 to its senior executives bonuses of $ 5.8 billion

Land bought for a penny, can expropriate

The business of war rules igry08-04-2008 land bought for a penny, may expropriate the sale of elite suburban forests for a penny at auction "for its" most likely illegal - a timid suggestion made today by officials of Ministry of Environment. We are talking about an unprecedented insolence sale of leasing rights on land in an area notorious Rublevsky highway in the suburbs. At the auction, which allowed only 10% expressed a desire to participate, unique forests were selling an average of 25 dollars per hundred square meters. Their market value is 400 times higher! However, this did not bother the organizers of the auction. In total, the auction was "raffled" 69 forest sites for 49 years, covering about 991 hectares. The largest of lawns 397 acres in Bakovskom forestry (elite Istra district), the starting price of which amounted to 24.4 million rubles went to the structure of a Roman Abramovich.

Antitrust "fitting" in the Railways

The business of war rules igry15-07-2009 Antitrust "fitting" in the Railways Railways EBRD will provide a ten-year unsecured loan of $ 500 million! Europeans allocate a record sum to the fact that the Russian transport monopoly, has ceased to be such. Simply put, that Russia had completed the reform of the railway industry, which is realized for many years. As a result, the country is finally to appear independent carriers of passengers and cargo. Today the Board of Directors approved the granting Railways ten unsecured loan for $ 500 million! These funds will be directed at reforming the railway industry, the bank said on Wednesday. "The loan to implement the ambitious structural reforms that have set themselves Railways and the Government, including the restructuring of freight operations and the improvement of legislative base," said Director of the EBRD's Business Group on Infrastructure T. Meyer. In exchange for the generosity of the European Bank, the Russian monopoly has also agreed to implement (with the support of the Bank) strategy for improving energy efficiency to reduce greenhouse gas emissions and other pollutants. Note that the "Russian Railways is one of the largest energy consumers in the world.

That built on the site Cherkizovsky?

The business of war rules igry30-07-2009 With built on the site Cherkizovsky? In Russia, the debate continues about what to build in a closed Cherkizovsky market. In the morning there were reports that in place of a flea market, you may receive a so-called Chinatown. Later, the Moscow mayor's office has denied this information. After another shopping center that provides cheap Chinese imports, once again hamper the entry of domestic producers. The epic of Cherkizovsky market continues. The Moscow government today denied the information on the construction of shopping complex on the market. Major Chinese shopping mall in the capital to build will not. Such a center may occur only outside the Moscow Ring Road, said the press office of the mayor of Moscow, denying morning media reports which said the possible construction of a logistics center in place of Cherkizovsky market. "Moscow Mayor Yuri Luzhkov has stated clearly that such a solution to the problem can not under any circumstances" - said in a press service. The territory occupied by the Cherkizovsky market, can only be used for the construction of sports facilities, or by agreement between the federal and metropolitan authorities - under the construction of housing and social infrastructure, assured the press office of mayor.

Dreams of the VAT reduction crashed on the Ministry of Finance

The business of war rules igry18-09-2008 Dreams of the VAT reduction crashed on the Ministry of Finance Finance Minister Alexei Kudrin has decided to end intimidate lobbyists to reduce the value added tax. Compelling argument that restrain their zeal in promoting their own ideas. The Minister said that the decision to lower the rate of value added tax (VAT) to 12% would increase inflation by 3,8% and no stimulation of economic growth will not be. Thus, the effect of reducing the VAT will be directly opposite to that which expects the business community and Economic Development. Scenario of economic development until 2020, prepared by the Ministry of Economic Development, is a threat to the stability of the financial system, warned Finance Minister Alexei Kudrin, who gathered for a meeting. A leading expert at the Center for Macroeconomic Analysis and Short-Term Forecasting Dmitry Belousov (CMASTF) in an interview Bigness.ru troubled calculations Minister of Finance: "We have done calculations of inflation, given the reduction in VAT to 12%, but it amounted to a maximum increase of 1,5%. From Alexey Kudrin took me 3,8% is not very clear. "

Raiders conspiracy against Russia?

The business of war rules igry10-04-2008 Conspiracy Raiders against Russia? Raiders are preparing a plot against the military-industrial complex of Russia. We need a new intelligence agency, which will put the invaders in place. On this Monday, said a well-known showman and writer Pavel Astakhov, at a hearing in the Public Chamber of Russia. Bigness.ru experts were skeptical of him. "Raiders feel almost complete impunity and have taken note of state property - the regional power companies, river ports", - said Astakhov. He stressed that it is now in the sights of the invaders - the Russian military-industrial complex. In the near future will attempt to capture more than two hundred objects DIC, Astakhov said, referring to the secret services. In view of this threat, he urged the State to adopt an emergency package of measures. First, create a "special state agencies coordinating the fight against raiders. Moreover, the controllers of this department must be present behind all law enforcement officers. In particular, Astakhov said the need to establish special bodies in each prosecutor's office in order to fight corruption in the field. After all, corruption provides domestic raiders tremendous opportunities for the disposal of the property.

Smart divorced: the country needs mechanics

The business of war rules igry03-04-2008 Smart sprung up: the country needs mechanics crisis of overproduction officials call the current labor market situation. Wherever you see - the terms of Some lawyers and economists. Only lazy people today are not trained in these fields. The Russian government seriously worried about the problem. Not so long ago, the Ministry of Education and Science has prepared a forecast of the labor market for 5 years. Professional legal and economic orientation is already too much, and soon their number will only grow - these are the conclusions. Ministry of Education has decided to reduce the number of budget places in two areas: economics and management and humanitarian sphere (to a greater degree of Jurisprudence). Low space on these faculties will cut in favor of specialties related to information and computer sciences, and natural sciences. Education and Science Minister Andrei Fursenko commented: "This is not a desire to create some problems for the children, but simply a signal that, having received a certain profession, after some time they find themselves unemployed, and they should be retrained."

The fate of traders from Cherkizovsky vague

The business of war rules igry04-08-2009 The fate of traders from Cherkizovsky vague where they can find jobs Cherkizovsky market traders who were left without work, is unclear. Today, the media reported that unemployed foreigners can be built a new wholesale center in the Leninsky district of Moscow region. However, Acting head of district administration categorically denied the possibility of building a flea market on the territory under its control. According to some Russian media, foreign vendors selling at a private Cherkizovsky market will be able to find work in the suburbs. It was reported that the administration of Leninsky district, Moscow region is ready on its territory to build a wholesale center for destitute foreigners. It was also noted that the initiative for building belongs to the representatives of the Chinese diaspora. Information about the possible "transfer" Cherkizovsky market outside Moscow confirmed the president of Federation of Russian migrants Muhammad Amin Madzhumder. According to him, members of the federation, which includes representatives of the Chinese diaspora, next week plans to hold meetings with local officials.

That would save Moscow from the traffic jams

The business of war rules igry18-04-2008 What can save Moscow from the traffic jams 530 kilometers in length, 12-16 lanes wide. Central Ring Road in 2015 will encircle Moscow and the surrounding city. Date of commencement and completion of construction of the ring roads of Moscow legislators approved the second reading of the Development Code, which took place on Thursday. According to the capital of parliamentarians, development of project documentation should be completed in 2009. In the second half of 2010 must pass a tender for the concession agreement, and from early 2011 to begin construction, completion is planned for 2015. The first section of the Central Ring Road will be put into operation in 2012, a year after construction began. The cost of the road is estimated at 350 billion rubles. According to the Moscow Region Governor Boris Gromov, "CKAD should relieve not only the center of Moscow region, but in fact the center of Russia, and Moscow, including". To ramp does not infringe upon the interests of the residents of suburbs, plans to build detours around the town of Khimki, Balashikha, Noginsk, Odintsovo, much will be near the intersection of Zhukovsky, a near Kapotnya - detour through the city of Dzerzhinsk and Lytkarino.

Dismiss the Russians will not be easier

The business of war rules igry13-10-2008 is easier to dismiss the Russians will not deprive workers of the right to full indemnity for dismissal - this anti-crisis measure, introduced in the State Duma of big business. In the opinion of experts Bigness.ru, this proposal is quite timely, although it is doomed to failure in the Russian parliament. The initiator of such an unpopular measure among the people spoke Russian Union of Industrialists and Entrepreneurs (RSPP), lobbying the interests of big business. Domestic companies are going through really hard times because of the global financial crisis. Investment banks are forced to reduce staff because of unprecedented losses in the stock markets and real sector, especially among export-oriented companies incurring losses due to a sharp decline in demand abroad. Others also have hard times - the shortage of money, many investment projects slowed down, and to maintain profitability they have to sacrifice staff.

Raiders go to the east

The business of war rules igry18-06-2008 Raiders went to the east away from the problem of raiding the central regions of the province. This is evidenced by statistics of the Economic Security Department of the Russian Interior Ministry. This trend really is, confirm experts Bigness.ru. Among the reasons they are called ... the global food crisis. Last year, the Department of Economic Security recorded 270 complaints from individuals and entities whose property is trying to capture the raiders. Analyzing the statistics of the last three years, the department concluded that the wave of seizures of property shifted from the capital to the regions. Moreover, a priority goal for the Raiders become agricultural land. Offset interest on the Raiders in the regions had previously indicated in an interview Bigness.ru president of the Association of Private security agencies (ANSF) Eugene Karabanov. "Raiding is now going to the east of the country - in the Volga-Ural", - the expert told us. Indeed, in the same Moscow region a day goes by without reports of the actions of raiders, he shared with Bigness.ru Alexander Kudinov, president of the Association of Business and Law. " And most of these actions related to land.

Abscess burst: the fate of the Moscow planetarium solved

The business of war rules igry13-05-2008 An abscess burst: the fate of the Moscow planetarium solved the famous Moscow planetarium, one of the largest such facilities in the world bankrupt. This decision was made Court of Arbitration of the capital. Do one of the symbols of the Russian capital was the victim of a banal raider? "The court decided to recognize the bankruptcy of the Moscow Planetarium, opened bankruptcy proceedings against the planetarium for a year", - announced today its decision to a judge of the bankruptcy. Claimants in the bankruptcy case began just three of the creditor of the planetarium. Business was submitted to "Energomashkonsaltingom", which owes a planetarium more than 8 million rubles from the state - Inspection of Federal Tax Service for Moscow and the capital's property department. "I think it shows a pre-developed joint position of business and government", - said the head of analytical services Bigness.ru Journal of Mergers and Acquisitions "Andrew Zaikov. He does not believe in the raid trail in this matter. Recall Moscow Planetarium was closed in 1994 when the local authorities simply did not have "extra" money for its maintenance. Subsequently, the money is found, and it was decided to reconstruct the object - for years of the Troubles planetarium dilapidated, and its technical base is outdated. In particular, the historical building of the planetarium raised to six meters - such works in the world has ever had.