[000:00:00;00] who work in ukraine, that is, for others, you say, we are with you, we have stopped everything for you, because we have a war, martial law, wait, and we will wait for new investments, what new investments, what are we talking about, you look how there are agencies working in other countries that even insure their foreigners, or companies, against the risks of working in ukraine, they are foreign to us. absolutely with clear priorities, with an understanding of what it does for the economy, with the sectors that need to be supported and where the investment is actually needed now, so when we say, i discussing these issues with representatives of the ministry of economy, i say that you have absolutely no understanding of what you are and for whom you are preparing this draft law, and let's correct it so that it at least

applies to future porters, because this is an export credit agency, as , which should act within the framework of how similar acts in all countries, they thought for a long time and decided , let's not amend, i think that these norms will never work, that's why we decided not to confirm our 200 amendments, vote, you do it as always, i'm alone is pleased that 60% of the laws that were adopted here did not work, because there are no by-laws under it, because they are written on them. the mechanisms are not bad, unfortunately, some norms can be used, the position of the committee, after that we vote, invite the people's deputies to take their seats. dear colleagues, i understand why the opposition does not like us so much, but not so much as to block for three months an extremely important decision for business, a decision that makes it possible to insure military-political

risks for... our producers, not for foreigners, for whom insurance is carried out by foreign companies and international financial organizations, and for our native business to block it for three months, and then in the hall to tell fairy tales, which have no connection with reality, well, have a conscience at least a little, look , the bill is very simple, we are introducing a military-political risk insurance mechanism for our domestic investor, any company that will apply to the export credit agency, please support, this is a very cool bill, thank you. thank you dear colleagues, let's go to the vote, let's go to the decision-making, please take your seats, i propose to adopt in the second reading and as a whole with the necessary technical and legal amendments, the draft law

on amendments to the law of ukraine on financial mechanisms for stimulating export activity regarding the insurance of investments in ukraine against war risks, are you ready to vote? i ask people's deputies to vote. for 242, the decision was made, the law should be adopted as a whole, show by fractions, please thank you, dear colleagues, let's move on, next, and i apologize for the procedure, please, motovylovyts andriy viktorovych,

please catch andriy viktor. talk, that's what he says, and why, why, please turn on matavitsya, no, you're joking, they don't give a word to the angler, give the word to the angler. i am asking you, go, say, and you look, this is your card at all, the microphone is on, yes, let's go from the podium, andriy viktorovych,

no one has ever made such a proposal from the podium. please, friends, i ask you to put on voting to change the agenda of the session, to come to the law 9422, an important law for the national bank of ukraine, we thank all groups and factions for their support and for the opportunity to vote for the bill, i will, please put this law to a vote, thank you, dear colleagues, everyone understood, there really is a technical problem , they told me, uh, andriy viktorovych proposed to change the consideration of the issues on today's agenda and move now to the consideration of draft law 9422 and, as far as i understand, to vote for it without discussion, no, not good, no discussion, dear colleagues, there is a proposal to now move on to draft law 9422, i ask

the people's deputies to vote for 238, the decision has been made, dear colleagues, we are moving on to consideration of draft law 94-2 22, this is a draft law on amendments to some legislative acts of ukraine regarding the improvement of state regulation of financial services markets. yes, olga mykhailivna, you are in the right place, it's great, now i will find this bill, dear colleagues, who will make the amendments? just a second. okay, okay, faction

homeland will be tsimbalyuk, 3 minutes krulko three minutes, three minutes honcharenko, three minutes yuzhanin and we vote, and one amendment from you will be, yes, now, let's put your amendment before the vote, let's let the people have their say, so please , tsymbalyuk up to 3 minutes. please, mykhailo tsimbalyuk, homeland. dear colleagues, if we analyze this bill, and we did it at the meeting of the faction, the expert council, which constantly works in the motherland team, then the law regulates many things and really creates a positive climate in the microcredit market, but there are things that prevent our team from supporting. unfortunately, this draft law is in the second reading, because our amendments were not conceptually taken into account. we cannot agree that this draft law proposes to significantly increase the fines applied for

offenses in the financial services market and to introduce new sanctions. in particular , it is proposed to increase the amount of the fine by 10 times for failure to conduct an assessment of the consumer's creditworthiness, if it is mandatory. provided by the legislation, removing the regulatory acts of the national bank from the scope of regulation of the law on the principles of state regulatory policy will not contribute to the implementation of such principles of state regulatory policy as expediency, balance, predictability, transparency and consideration of public opinion, in our opinion and the experts with whom we consulted, as well as the implementation of such directions, the implementation of state... regulatory policy, as the establishment of a unified approach to the preparation of

regulatory impact analysis and to the implementation tracking the effectiveness of regulatory acts, systematization of regulatory acts, etc., we believe that granting the nbu the right to set additional requirements for the components of daily interest rate calculation may lead to unfair practices of daily interest rate calculation, thank you, thank you, please continue, three minutes, krulko , ivan ivanov, and i apologize, briefly the position of the committee. thank you, dear mykhailo mykhailovych, i can agree with you that this bill is aimed at people, in order to make bets on consumer loans that would allow people to borrow money and pay it back. as for the fines, unfortunately, i cannot agree with you here, because the fines are so large that financial companies... cannot abuse by paying uah 10 for a fine, this is not a fine, they put it in the amount interest for the loan , which concerns the withdrawal of the national bank from the sub-regulator, here we propose a mechanism that will act in the same way as

the regulator, but will avoid unnecessary bureaucracy, thank you, thank you, dear colleagues, please, further krulko, ivan ivanovich, ivan krulko. fatherland, we as a faction have carefully analyzed this draft law, and i would like to say the following things, well, i think that we need in the hall... at least sometimes to carefully read the conclusions that our apparatus gives us, in particular, the main legal department and scientific expert management. according to their conclusion, which is prepared for the second reading, this draft law in a number of norms simply contradicts the constitution of ukraine, absolutely contradicts the constitution of ukraine. well, at least i am i will name you one rule: we will now have a division of legal entities into

two categories in this draft law. one category of those who will be subject to the regulation of the national bank, and the second category who will not be subject to the regulation of the national bank, so we have one law for everyone, do we have any exceptions to this law, well, if we really talk about what must be done for microcredit, of course, that we must create the right conditions for our citizens, so that they can receive affordable loans, and precisely therefore. the batkivshchyna faction submitted a draft law on march 2, 2021 under number 5184 on the protection of the rights of borrowers within the scope of microcredit and microloan contracts. this draft law has been accepted as a basis, but until now, for more than two years, this draft law has not been put to a vote in the hall. and this draft law, from our faction, was precisely aimed at solving the problem, the trouble, in which

a huge number of the poorest people of the country got into, who took microloans to improve the financial condition of their families and have fallen into a debt trap that they can't get out of, so i suggest that we really look at those bills that are brought forward by factions, whether they're majority factions or minority factions, and really take a statesmanship approach. regarding how it is necessary to regulate issues in the field of banking activity. first of all, when adopting laws, we must remember that we have a constitution of ukraine and laws must correspond to the constitution of ukraine. redundant and additional imbalance and creation of contradictions between constitution and laws, really creates legal chaos in which the ukrainian state lives, in which ukrainian citizens live, when the same draft law can contain... even contradictions, i am not talking about conflicts between annual

draft laws, therefore the position of the faction regarding this bill the following, we will vote, we abstained and we will ask the leadership of the parliament to submit our bill for consideration. please continue, three minutes by honcharenko, then 3 minutes by yuzhannin, then one amendment by demchenko and we vote for the bill as a whole. please, honcharenko. thank you. thank you, dear friends, the very idea of ​​the bill is very correct, what is happening today, unfortunately, today is a situation where all these microloans are given to people at real thousands of percent per annum, in reality at 500% per annum, and this is a huge problem, there are many people, who do not read credit agreements, by the way, i am now appealing to all ukrainians who hear, will hear this, even if... at night the national telethon will show it, but maybe

it will show something, and people will see this broadcast, please read the loan agreements, read what you are signing, it is very important , unfortunately, many people do not do this, and fall into the trap of being charged interest on interest, interest on interest, and it all adds up to thousands of percent, is it necessary to fight with it, it is definitely necessary, because it is abuse, it is against people. we need to do this, of course, a separate story, what do we need in general, if we are already talking about it, in our school programs, introduce financial literacy courses, that is, in goncharenko centers across the country, the largest network of non-state educational and cultural centers, there is such a thing, we explain to people, we tell them, it is important to do this, it is necessary so that in every school people can also hear, learn what how, how it all works, so that they did not become victims of such... fraudulent de facto actions

, therefore it is necessary to limit, there are many questions before how we are proposed to do it, but given that we are at least moving in the right direction here, then let's do it, and that's why it i really need to, what else is very interesting to me, it would be very interesting to hear the position of the deputy chairman of the finance committee, mr. dubinsky, the sbu tells us that he is buratin, an agent, so he is russian there, by the way, let me remind you, he is a servant of the people. who was elected here by the words of the people, their head of the kyiv regional organization of the party, but he is also the deputy chairman of the finance committee in the parliament, so you will decide whether he is buratin or the deputy... chairman of the finance committee in the verkhovna rada, because somehow it is not together is made up, because in my opinion, this is a strange story, who is papa karla, who is who there is malvina, who is harlikin, who brought him to power, who, as you are now telling us, is buratina, this is what we would like to hear, and this is the person who is directly responsible for this draft law

, including the one we are currently considering with you , so we would like us to make up our minds somehow, and our colleagues from the servant of the people also make up their minds, and pretend that they have nothing to do with this buratin, as they call him now, no, friends, you are papa karla, who created this pinocchio, if he really is pinocchio and they brought him to the supreme court council, so let's not forget about it either, thank you, please, another three minutes , yuzhanina, nina petrivna, and after that one, please, nina petrivna, yuzhanina, dear colleagues, according to this bill, i submitted an alternative project, a law, precisely with so that we had a discussion in the committee on working groups in preparation for the second reading, but i wanted to remind you all, and that you should once again think about the norms that are now being adopted at the initiative of the national bank and there the heads of the subcommittee,

the profile committee. split reform, which is already has been working for more than three years, was supposed to bring the work of non-banking financial institutions closer to european... standards, but it turned out to be unacceptable changes for them, it seems to me that due to the fact that the specifics of the activity and the state of the market, well, obviously it is very difficult to perceive, or not even the national bank of ukraine knows. and now, when all these bills that are proposed for consideration , the reason for martial law, or this very painful bill, is for the reason... that we have to protect people who are take instant loans, these are consumer loans that are taken there because, for example, in the banking system, they cannot get such a loan even on their card within the limit, this is to some extent the desperation of people, and

the numbers speak for themselves : 4 mines in 9 months, the citizens of ukraine took advantage of all art loans at high rates, they really do not read, do not think about how they will give, for what purpose, and what will happen to them, what happened during the finalization, but this method, when offered at once there are harsh approaches that lead directly to the destruction of certain areas of the non-banking sector of the economy, they are being revised in the direction of softening, if you look at this draft law, then in fact... for microcredit, it has been gradually postponed there due to the introduction of a phased limitation of interest for nine months . it seems to me that if the armed forces of ukraine succeed in everything and the security situation in our country improves, then these norms will definitely be revised, but there are a

lot of people who are dissatisfied with this of the project, and the speaker, who is now at the podium, should pay attention. a whole industry, for example, insurers say you didn't hear us, they put their amendments and their regulations in committee meetings, they were included for one second, they are despised, and these are the people who provide jobs, who provide certain areas of activity of non-banking financial institutions, pay attention to them, and i think that we should as soon as possible regulate the issues that stress them and do not give. thank you, please, the position of the committee, and then we move on to the amendments, please, thank you, dear nina petrivna, i am indebted to you for the fact that with your amendments and participation in the working groups, you improved this bill a lot, you remember that the working groups on this bill lasted more than 25

hours in total , and we heard everyone, but there are certain mechanisms that we advocate, the first is the availability of loans, which people are now forced to take not at 365%, as we want to regulate by this law, but at 3600%. yes, indeed, the interest rate will gradually decrease so that fincompanies can rebuild your business. as for the position of the national bank, this is a requirement of the international monetary fund, we left the regulator, the special discussion procedure , left the market participants, the regulator will be forced to listen, thank you, thank you, dear colleagues, let's move on to the amendments, andriy viktorovych, motovylovets, he even took second place, then i will continue, please, andrii viktorovych, amendment number, amendment number

62, amendment 62 no, it was not adopted by the committee, but during the publication of the law the second reading, the consultation of the national bank, the amendment concerns ukrainian taxpayers who have accounts in rubles that are blocked, we allow them to be sold once, receive hryvnias and send this money to the economic activity of paying taxes, i ask that amendment 62 be confirmed, i ask that you vote and support it, thank you , dear colleagues, look, andrii viktorovych , these are already some such and not correct things, the authors of the amendment mohamadov, movchan, prykhodko, shevchenko, only these authors can take it into account, i ask. the authors confirm mogomedov you ask for this? let's still keep order, okay? maghamedov, you insist,

right? dear colleagues, amendment 62 authored by maghamedov and colleagues, it was rejected by the committee, at the same time the author asks to put it into consideration, i put amendment 62 into consideration, please vote. for 242 decisions, what will be the next amendment, who will put it, please, demchenko, then ivchenko, just name the number of the amendment right away, you put it for consideration or for confirmation, for consideration, well

amendments, amendment number 264, please, please, set the time first, set the time first, eh, colleagues, i ask for your attention , there is a war in the country, the war was not started by us, the consequences of this war are the suffering of the people for whom we are today you are here, and for which our armed forces of ukraine are building... victory , the corresponding bill, unfortunately, turns a blind eye to the fact that there is a war in our country and returns the possibility of collecting fines from our citizens for late repayment of consumer loans, is it timely for today, no, is there currently the ability of citizens to pay fines in addition to interest on the loan? no, have we solved all the problems with that temporarily, it would be a shame if we vote on this bill without taking into account this amendment, please consider it for our citizens, thank you, what is the position

of the committee, please, thank you, dear serhii oleksiyovych, we met with you at working groups and discussed this point, for current loans at current interest rates rates, fines and penalties will not be charged, however, when the interest rate drops a hundred times, we will be forced to apply fines and penalties precisely for such loans, where there will be light rates, otherwise we will simply put the microcredit market on hold and people will be forced to hide somewhere in someone to lend money, but under completely different, non-civil conditions, so please do not support this amendment, because we will destroy the entire market. the 264th amendment was authored by demchenko, it was rejected by the committee, you heard the arguments of the parties, he puts it on

consideration i put amendment 264 for consideration, i ask you to vote for 117, the decision has not been made, all amendments for consideration have been completed, there is an amendment for confirmation, one, correct, ivchenko, please, ivchenko, one amendment, and we vote on the law, vadim. amendment number vadim ivchenko 381sha. vadim myvchenko's homeland, dear colleagues, whether you want it or not, but we will be like ukraine in the european union. we will be in nato. and today, our guys who defend against russian aggression, they even speed up the process. and the last decision of the european commission, it talks about already starting negotiations with ukraine to be in the european union, but this amendment, colleagues, we are losing the trust of our partners, we

are removing certain bodies from the law on administrative procedures. some inspection will follow the national bank, customs will follow, and so on, and so on. i want to remind you that we adopted this law at this convocation, it came into force in december, let's adhere to the norms that we voted for together and not make exceptions, including for the national bank. thank you. committee position dear colleagues, hon mr. vadim, i understand your concern, but please read the amendment carefully, you confirm, we are not withdrawing the national bank from the law on administrative procedures, we are introducing the national bank into the force of this law, but for the time of martial law, when it is necessary to urgently adopt resolutions regarding sanctions, when it is necessary to urgently regulate other things related to the war, related to our currency reserves, related to the exchange rate, we

cannot now during the war introduce the national bank into this procedure, the national bank, will issue your procedure so that it will comply with the law that you mentioned in your speech, thank you, please vote for, thank you, vadym yevhenovich, maybe you won't bet on the pitver, you won't, thank you, but you will, dear colleagues , then the 381st amendment, this is an important amendment, it was taken into account by the committee, authored by vasylenko smaglyuk and other colleagues, ivchenko asks to confirm this decision. dear colleagues, once again you heard the arguments of the parties, the committee asks that this amendment remain

taken into account, you understand, right? i put 381 amendment for confirmation, i ask the people's deputies to vote and support, no decision has been made for 2004 , well, we have to vote, dear colleagues, it's a shame, a shame, let's move on, then we vote, i put the proposal to be accepted in the second reading and in general with the necessary legal technicalities. with amendments, the draft law on amendments to some legislative acts of ukraine regarding the improvement of state regulation of financial services markets, registration number 9422 , ready to vote, i ask people's deputies

to vote, available loans, support. for 255, the decision was made, the law was adopted as a whole. thank you, colleagues, let's move on. the following draft law is submitted without discussion, this is a draft law on amendments to the law of ukraine on postal communications regarding the settlement of the issue of issuing a digital stamp, registration number 8280. i put the proposal to be adopted in the second reading and as a whole, with the necessary technical legal amendments. draft law on amendments to the law of ukraine on postal communications regarding the settlement of the issuance issue. digital stamp, registration number 8280, please people deputies to vote , for 251, the decision was made, the law was adopted as a whole, the next draft law is 8423, this is a draft law on amendments to the law

of ukraine on postal communications, we can too. there are two minutes goncharenko and we will vote, dear colleagues, two minutes goncharenko and we will vote, please do not disagree, there is also an important bill related, please, oleksiy goncharenko. thank you, dear friends, this is a really important draft law, i would like to draw your attention to the fact that today, in fact, ukraine sees a new quality of postal communication, and in including the work of the new post office, and this includes the social responsibility that we see on the part of this company. we saw all the tragedies in kharkiv, when there was an attack with an aggressor missile, and we see how social responsibility is, what is socially responsible business, when a decision is made by a company to help all those who are affected, and that is exactly what is wrong with me so made a serious impression, this decision to provide a grant of $ 12,500 to children, those