Банковским вкладчикам предложат сберегательные сертификаты

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Государство обещает более высокий процентный доход Поделиться

Владимир Путин объявил о планах запустить в России новый финансовый инструмент — сберегательные сертификаты на срок более трех лет. Речь идет об именной ценной бумаге, которая удостоверяет, что у человека есть вклад, и что он по окончании срока размещения вправе забрать вложенные деньги с начисленными процентами. Цель новации (впрочем, относительной) – поддержать банковский сектор, обеспечив его внушительной порцией ликвидности со стороны новых клиентов.

Банковским вкладчикам предложат сберегательные сертификаты

«Сертификат будет безотзывным, а значит, банки смогут предлагать клиентам более высокий, выгодный процентный доход. И конечно, эти средства граждан также будут застрахованы государством в размере до 2,8 млн рублей», — уточнил Путин в послании Федеральному собранию.

Однако пока нет ответа на вопрос, за счет чего кредитные организации смогут предлагать повышенные ставки по таким инструментам. Сейчас доля длинных денег крайне мала — на вклады сроком более трех лет приходится всего 1,6% (728,3 млрд рублей) от общего объема банковских сбережений физлиц на сумму почти 44,9 трлн рублей. Кстати, в 1990-е и 2000-е годы безотзывные сертификаты получили некоторое распространение в банковской системе, но в итоге не прижились.

ЧИТАТЬ ТАКЖЕ:  «Полное эмбарго»: ЕС хочет ввести «карательные» пошлины против России

«Скорее всего, этот финансовый инструмент создается для того, чтобы привлечь больше средств физлиц в банковский сектор, — рассуждает руководитель департамента продаж и клиентской поддержки «Альфа-Форекс» Александр Шнейдерман. — С одной стороны, такой сберегательный сертификат является гарантией того, что человек не будет снимать свои деньги в течение как минимум трех лет. А долгосрочные вклады приветствуются банками. Вместе с тем, государство полностью поддерживает этот механизм за счет увеличения размера страховки до 2,8 млн рублей. Россияне чаще хранят в банках вклады менее 1,4 млн рублей именно по той причине, что страховка покрывает только такую сумму».

В теории всё выглядит достаточно привлекательно, однако неизвестно, насколько востребованным окажутся эти сберегательные сертификаты. Их целевая аудитория – это люди, которые сегодня хранят деньги в других инструментах. В основном речь о тех, у кого есть накопления в размере нескольких миллионов рублей, резюмирует Шнейдерман.

19 КОММЕНТАРИИ

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    References:

    bernard-guericolas.eu

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    Toggle Menu

    Below is an interactive outline you could use on a
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    Home

    — Overview of Growth Hormone Peptides
    — Patient Success Stories

    Peptide Options

    — Ipamorelin Details
    — Mechanism
    — Side Effects
    — Dosage Guide
    — Sermorelin Details
    — Mechanism
    — Side Effects
    — Dosage Guide
    — Comparison Chart

    Supplementary Therapies

    — hCG Protocols
    — Wegovy (Semaglutide) Usage
    — Vitamin B12 Shots

    FAQs

    — How to Prepare for Injections
    — What to Expect During Treatment
    — Insurance & Cost Information

    Contact Us

    — Schedule a Consultation
    — Request a Quote

    Each menu item can be collapsed or expanded («toggle») so visitors
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    References:

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