The problem is multifaceted, and these facets lie not only in the plane of the economy, although each of them concerns the economy to one degree or another. It just so happened after the collapse of the USSR that the wedge converged precisely on the economy. It is good that we have such effective weapons, which nobody has yet. But…
I will not discover America if I say that money is the blood of the economy. True, some say that money is the energy of the economy, but then the title of the article would not be so eloquent.
Money, like any blood, is intended for the smooth operation of the body, be it a human body or an economy. We emphasize - "healthy life." And with this we are not only bad, but even bad. Not exactly the same as ten and twenty years ago. And it gets worse. Why? And there is not enough blood. And why is it not enough?
Let's start with the banks. Banks are cash flow operators. It depends on them how healthy the economy will be, because only banks can give life-giving blood for its nutrition. But what are banks doing?
In theory, banks should provide funding for all economic processes in any country, effectively managing cash flows, multiplying the savings of customers who keep money in banks, and at the same time bring some profit to their owners at the expense of financial management.
Is it really in our country? We will not indulge in the turbid theories of the liberal economy. Let us also leave the problems of financing the real sector, there are already so many competent assessments. Let's see what ordinary people - bank customers think about them.
Reviews of banks you can find an immeasurable amount on the web. We can’t give everything here in the article. Look, at least, here: Reviews about loans in Russia. Here are just some of the characteristic headlines from these reviews:
“Miracles with interest rate;
Cars with state. backing = BAM from CET ... LEM BANK;
A bank that DOES NOT NEED to cooperate !;
MT ... the bank steals money;
This is not a bank, this is a fraud;
Closed pre-term car loan and overpaid 9000 rub .;
Overdraft on Al ... fabankovsky;
The worst bank;
The bank is misleading!
A very dishonest bank;
Poor customer service, unclean people in the bank work;
Incompetence and fraud?
The loan was repaid in full 12.04.2013 of the year, but until the present, SMS about debt is coming;
The removal of the brain, starting with 07.03-09.03.2018 staff A..fa bank;
The usual thugs of the nineties;
Cheating in case of refusal from the "Guaranteed Rate" service;
The bank has delayed its own payments;
The most irresponsible bank;
Did not connect the auto payment, but try to write off the amount;
Swindlers and Thieves ”…… ..
This is only a tiny fraction of the characteristic customer reviews about the banks that have provided them loans. Of all the negative reviews, most accounted for banks with state participation. There are manipulations with the terms of the loan agreement, unjustified withdrawal of funds, and untimely operations ordered by the client, and the bank’s actions without the client’s knowledge, imposing additional services, ignoring claims, and unjustified corruption of credit histories, and rejecting the words of managers not supported paragraphs of the contract, and even loan processing without the consent of the client! And many more interesting things can be found on a variety of resources on the web.
But neither the Regulator, nor any supervisory authority is interested in the troubles of ordinary people.
It is indicative that the disgraces of banks, right up to complete lawlessness, began with the coming to the leadership of the Central Bank of our "best" in Europe, the head of the Central Bank [Nabiullina became the best head of the Central Bank in Europe according to The Banker]. Previously, there was no such thing, for example, to ask for a car loan, but they offer you a “favorable rate” at a low interest rate. BUT ON CONDITION OF LIFE INSURANCE (?). Otherwise, you are, most likely, denied a loan, and a new application can be considered only after three months. In, how cleverly! Learn Western "partners."
Why insure life, if cars and so pledged to the bank? But why, it turns out that this insurance is non-refundable and in case of early repayment of the auto loan no one will return the remaining proportional part to you - because you have “voluntarily” insured yourself. In the army they say: "voluntarily-compulsory." Just a man has nowhere to go, so he goes on inward conditions. In other words, the bank will not be left behind, if the cunning client leaves him without any extra interest in case of early repayment of the loan.
We do not live on the moon (although sometimes we want to go there), and we know very well why the bank forces us to insure it with this insurance company, and not with our free choice.
And what if, auto, God forbid, hijacked? As a beneficiary, the bank will receive a full refund on the mandatory CASCO loan (they can also “vparit” with a gap), and only the cost of the car is included in it, but you will continue to pay the loan for the life insurance imposed on you you will not ride. But insurance was imposed as a condition for granting you a loan.
And at this time, a prominent banker can approach the President and happily report that here, they say, by lending the population at a low interest rate, slightly above the refinancing rate of the Central Bank. Lies and bases for the President! After all, people know how much we have loans. Only imposed life insurance can be 15 and even 25 percent of the loan amount! So, one shot of two birds with one stone kills a bank - and provides loans to the population at a “low interest”, as required by the President, and not only saved, but also multiplied.
But the Central Bank issued Decision 12 of December 2006 of the Year “On Amendments to the Bank of Russia Regulation of March 1759 of 26 of the Year No. XXUMX-P”, which actually obliged the lending banks to disclose the effective interest rate of the loan, There is a rate with all additional fees and payments. Banks that do not fulfill the requirement of the regulator with 2004 July 254, will be denied the right to include such loans in portfolios of homogeneous loans. Do not include ...
But maybe lawyers believe that meaningless life insurance, or some kind of “Black Card” worth 40 thousand rubles, imposed specifically for loan repayment, or CASCO on credit, do not belong to this requirement? How long will this senseless competition between the regulator and the legislator and bank lawyers last?
With commercial banks at the same time CENTROBANK, FEDERAL ANTIMONOPOLY SERVICE, ROSPOTREBNADZOR. The courts, too, almost never side with the clients affected by the actions of banks. After all, clever lawyers work for the bank, they know well, firstly, our laws (who wrote such bad laws?) And, secondly, the fact that almost all clients are not lawyers (and they should not be! After all earn money to carry them to this vile bank).
Here is the standard answer of a competent lawyer to an offended client:
In fact, we inform you that when you make a loan, you decide for yourself what services will be provided to you in addition. At the same time, the decision of the Bank does not depend at all on whether there is an insurance or SMS informing service. Additionally, we inform you that when you made a loan agreement you entered into an insurance contract, due to which the interest rate under the agreement was reduced. At the same time, after the termination of this Insurance Agreement, in accordance with paragraph 4 of the Individual Conditions of the Agreement, the interest rate may be increased by 3,90%.
If you still plan to cancel the insurance service, then you can find information on the refusal of the service on the official website of the Bank: https://www.cetelem.ru/faq#q-77 (Section "Questions and Answers" - "Insurance" - "Life Insurance" and the section "Questions and Answers" - "Insurance" - "Other Voluntary Insurance".
We hope that our comments clarified the situation.
Customer Service Management
In other words, you will never achieve anything. Not from one bank! But what about the holy commandment of the banker "CLIENT ALWAYS RIGHTS"? It may be right, but you can keep your rightness with you, the bank is only interested in your money.
And by what criteria did our head of the Central Bank become the “best” in Europe? Inflation targeting? Of course, it is not bad that inflation has decreased, although not in the way that statistical agencies report - real inflation, where people buy vital goods, first of all, products and medicines, higher than the one and a half to two times declared. But inflation is not an end in itself. The drained economy of Russia is already reminiscent of a worm in a swoon, and we all execute the “fiscal rule”, the main essence of which is the financing of the economies of Western countries, which suffocate us with their sanctions, endless humiliation and slander.
Is it possible that our head of the Central Bank became the best for clearing the Augean stables of the inheritance of his predecessors by eliminating unreliable banks? And what happens, for example, with a small business, when a license is revoked from a bank? As a rule, business perishes. And no one cares. But there are people there, they have lost their salary, which is sometimes their only source of livelihood. Then why some members of the Government are surprised that tens of millions (!) People work in the shadow economy? And their number is growing. But for the Central Bank they are not people, they are individuals.
They have nowhere else to go, so they are trying, at their own peril and risk, to somehow make money. But here the Pension Fund is already waiting - it does not charge the necessary points so that you will receive a pension worthy of your work, and there are already thousands of such cases in the country.
On the other hand, the owners of “unreliable banks” take out the money of their clients, and at the same time issued by the Central Bank, and received as interbank loans, to London and other hospitable jurisdictions. Apparently, this money passes through the state border through the correspondent accounts of the Central Bank (and otherwise, cryptocurrency has not yet received wide distribution). And no one stops these transactions, despite the fact that any bank can block the account of the commoner, if it considers it suspicious. And these banker transactions, aren't they suspicious?
And why do the bankers themselves freely leave for London and Nice after their money, while the violator of traffic rules can always stop at the border checkpoint for 10 thousand rubles of fines? Why is a bank deprived of a license if specific people are to blame for violations: bank owners, manager, some manager? Shouldn't they be held accountable? Why the reorganization cannot be reduced to the replacement of unsuitable bank staff? Then the enterprises - bank customers will not suffer.
Maybe that's why our Central Bank is the “best”? And why did you accept such a bad budget rule? And why it can not be flexibly changed under the emerging conjuncture of commodity markets? And why the economy will be worse if, instead of crediting our strategic competitors, we build, for example, a new airport in the Arctic or a free road or railroad? If people get paid for this useful work, where will they carry their money? Surely the western "partners"? And why does the economy feel bad because a withered cement factory comes to life and releases more cement? Is this not the growth of the economy that the Leader of the Nation demands from you? What clever person can so famously give money to a stranger, from whom one can wait for anything, if he himself desperately needs this money?
A lot of questions have accumulated to the banks and even to the Central Bank itself. But there are still no convincing answers to these questions. Therefore, I will express my narrow-minded opinion.
When registering a banking license, the Central Bank must specify the marginal margin above the refinancing rate, for example, 5-7 percent, depending on the conditions of the loan agreement. This is quite enough for the cost of maintaining the bank, and customer service, and profit. It is not necessary to build such royal mansions for your offices, it is better to introduce modern technologies.
When registering a banking license, the Central Bank must necessarily report on the risks of loss of liquidity, the threat of conditions under which the bank will not be able to fulfill obligations to its customers, both organizations and citizens.
After all, any bank in any loan agreement requires the same from the borrower. Then why does not the Central Bank require it from the banks it supervises? And if it demands, but the bank does not fulfill these requirements or distorts the reporting, then where is the control over banking activity? And why, in this case, our head of the Central Bank is the best, if he has more than three hundred such “splashes” in the last three years?
License withdrawal from a bank should be applied in the most extreme cases. At the same time, the interests of bank customers cannot suffer due to embarrassment or criminal activity of bankers.
We recently held a presidential election in the country. There was a debate. And a curious figure opened, it was voiced by Y. Boldyrev, a confidant of candidate P. Grudinin. It turns out that the Central Bank spent the bank reorganization, just think about it, 7 trillion rubles. And 700 billion more to be redeveloped at Binbank. And we grieve that less than 300 billion rubles are allocated for the increase in pensions, and working pensioners are squeezed altogether, even though they earned their pension with honest labor. It should be understood that Yu. Boldyrev knows what he says, he led the Accounting Chamber of the country.
But where did this huge money go? Here would Boldyrev ask about it.
Why does a bank, having received money from the treasury or accepting an order for a client's transaction, “spin” this money in the interbank or foreign exchange market, but with a client whose money it “twists” with the earned interest is not divided?
That is why the author is a supporter of the speedy introduction of the blockchain, it's time to put snickering bankers in a stall. But in our country this is far away, as before Jupiter, the draft law on cryptocurrencies introduced into the Duma puts our country in the number of backward jurisdictions from the very start of the digital revolution in favor of domestic bankers.
Bloodsuckers, however ...