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the main factor that affects her well-being is her attitude towards banks, this attitude towards the ruble, including the acceptance the law on deposit insurance strengthened people's faith in the banking system, i think that the russian deposit insurance system is probably one of the five, if not the three most... advanced and experienced

deposit insurance systems in the world. and payments to investors will continue, of course . and they will all get everything. december 2023 state duma, deputies supported a bill important for the financial market, it expanded the list of those who can receive insured 1.4000 rubles, if the bank suddenly only has a deposit insurance system, well, we will to further and further expand the distribution of this form of protection of funds for citizens and enterprises in order to increase confidence in the banking system, and in the country in general. another bill,

which was born within the walls of the ministry of finance, has already been approved. from 2024 , a long-term savings program will be launched in russia. how does it work? a person enters into an agreement with a non-state pension fund and makes voluntary contributions. the state co-finances investments, the limit is up to 36 thousand rubles per year, and the npf invests these funds. but what's important is savings are insured. this can be put off for... some family events, a child was born, put aside for his studies, a wedding, or for some to buy an apartment in the end, or you can put off savings for after retirement have another additional income, the volume of the guarantee is twice as large as for deposits in banks, yes, that is, if in banks we said 1,400, then here the figure doubles accordingly. would you

open such a long-term deposit? well, why not, of course, we are implementing this system in the ministry of finance together with court, the bank of russia did not revoke a single license from credit organizations, but even... the period of preparation and adoption of the promotion of the law - it was such a path through the thorns to the stars to the adoption of the law, the bill reached the federation council several times, it was rejected in several versions by the state duma, 10 years of consistent work, very clear work

for the benefit of ideas ended with the election of vladimir putin as president of the russian federation, the preparation of the concept of the future deposit insurance system fell into ... deposit insurance, now this is vysotsky street, initially, what it was was the upper tagansky dead end, although if we make some allegory at the time the law was prepared, yes, for some time it was quite a dead end situation, now this is

vysotsky street, everything has changed, everything has changed. “the dream car in the soviet union, the same twenty -first volga, which began to be produced in the mid-fifties, but not everyone was able to buy it, which changed many years later, how much easier it became to save for a dream when all the deposits insured, my father-in-law is very scary." he wanted to have a car, he scrupulously saved money, it was the mid-seventies, so he didn’t have time to accumulate money, as the next one came, in the end, the day came, the hour, he

bought a car, a muscovite. alexander badunov - engineer, worked for several decades in the capital construction department of the institute of physics, but his name... is inscribed in the history of the russian deposit insurance system. finding alexander ivanovich to film our report was not easy, but it was all right in order. in july 2005, alexander badunov learned that the international bank for economic development, where he kept his savings, had had its license revoked. why did you start saving at all, what did you save money for? so, for a rainy day. this is something inherent, probably since childhood, this limitation. in all, this limitation has passed on to more, so to speak, grain years. the first bank account was alexander bodunov, and after we received six hundred square meters, we set up materials for our future home. in the summer of 2005 this chain successful events could be interrupted. after

the nineties, few people believed that money could be returned; everything changed with the launch of the deposit insurance system. there was a fear that that was it, the money wouldn’t be returned and what would happen next? yes, i am present. which, so to speak, prompted the wife to look for some way out, here she was the first insured event, and alexander badunov became the first depositor in the history of russia who received insurance compensation on the eleventh day after the bank was closed, then at the start the insurance amount was 1000 rubles. oval hall central bank, this is where meetings were held. sets of banking supervision, which often decided the fate of credit institutions. after the creation of the deposit insurance system in about 2 years, more than a thousand banks discussed whether they would become participants in the system? as a result , more than 930 banks passed the selection, that is, almost

90% of those who submitted applications. in essence, the deposit insurance law not only protected people, but launched a new milestone in the development of the banking market. of course he came here. sometimes they stick, how the dough is shaped, baked, how it comes out, it’s just beautiful

history, the smell is amazing, they buy, some stand, pay and gnaw. alexey batyakov calls his business an it bakery, no paperwork, everything is electronic . in the online system, music teacher alexey at some point decided to try his hand at business. first he got a job as a manager, and in 2020, despite the pandemic, he opened a bakery himself. i had small savings there. about 700 thousand rubles, we found a site that needed a little renovation and decided to try to make a bakery, bought a used oven, a used proofing machine, made i did the repairs myself, it worked , insurance compensation, the main condition is that the company is in the register of small medium-sized businesses, the amount is the same as for investors - 4000 rubles. you said that you started with only 7,000 rubles, here are the numbers. 400 rub. in your business, how much is it? 1,400 is

several months of rent or several months of salary, this is, in general, almost a complete set of equipment for the points that we want to open, one point, yes. until 2019, small businesses, like other legal entities, found themselves in the third stage of creditors, the first - individuals whose accounts turned out to be... more than 1,400,000 rubles, as well as the agency itself, which paid insurance from the compulsory deposit insurance fund. returning money to creditors of closed banks; once upon a time this place was the mansion of a merchant and the founder of a weaving factory. in ninety-seven, a new building was built here using old drawings, and a bank was located in these rooms. after ... his license was revoked, the building was put up for auction so that the funds received send for settlements with creditors

, now you often have to go to closed banks, no, now not often anymore, not a single license has been revoked this year, this is not what it was before, in the fourteenth or fifteenth year 70 licenses were revoked in year, in the sixteenth year even 90. i was saving up saving up so that or three, i don’t remember now, they issued a card, my cards were set at 70,000, it’s like throwing it in the trash, i came there , i see it’s different the sign is already, if you remember the formation, creation, and then development deposit insurance system, which evokes emotions most of all, remains in the memory forever, of course, the moment of preparation for the imminent payments, we then ... did not know that we would have to prepare for payments, maybe

they were lucky, but we have our own path, one of the most difficult sections of this path, mid -2010 popular scenario, the license was revoked in a closed branch, no owners, no servers, no documents with the register of depositors, which means there is hard work ahead of dia specialists to pay insurance for those who actually kept savings in a closed bank, and at the same time did not spend... in vain not a ruble from the deposit insurance fund, because the incident there for one or two nights came a certain amount, as we understand, along with the investigation of previously prepared people who continuously deposited large sums of money, then these funds were loaded into a collection vehicle, which disappeared in an unknown direction, and against this stands a group of individuals who demand payments from the recovery fund insurance compensation payment registries , the next stage starts: settlements with

creditors through the sale of assets of a closed bank, return of borrowers’ debts and judicial work. but in general, what assets will be received from the banks from which they are taken over? a bank is a bank, its main task is to lend, so the main portfolio of assets is about 60% of claims on loans. also, banks have them and that’s not what they sell. all funds that come to the bank from the sale of property are distributed among creditors in the order which is established by law. this is one of the largest platforms for storing bank inheritance from safe deposit boxes and computers to premium cars and works of art . in 2016 they launched the portal with sellers, but they were so professional, but i can say that yes , we are doing it professionally now, and the result is not bad, now this warehouse is already

closed, the remains of a bank inheritance from mid-2010 are being sold online. including this mansion on baumanskaya; at its peak, dia managed assets totaling approximately 4.5 trillion rubles. now the unsold portfolio is about 2.5 trillion. bank ents? an assessment was made, the estimate was 222 million rubles. well, if there are people interested, we are selling at auction, it can be sold at a higher price. but any amount that goes to the bankruptcy estate will be distributed among creditors. signs from the book of mary. one of the oldest shopping complexes in moscow is located here. over the years, many business representatives have dreamed of owning this tasty piece of real estate. one of the victories

of dia, the buyer for the sfera shopping center managed to find it in less than a month, and sold the asset without reducing the price. true, the path was long, the bank was declared bankrupt in 2014, and it was possible to put the property up for auction only in january 2023, so we had to fight. there were legal claims from third parties, and the documents were not in favor of the bank, but thanks to interaction with the bailiffs, thanks to the procedure that we worked through, we still received this asset quite quickly. and they sold it very successfully and were able to replenish the bankruptcy estates of these two banks, a trillion rubles. 2,100 criminal the cases that we supported in order to return almost half of the money to bank creditors, you will say only half, if you look at how the history of bank bankruptcy began, this is

approximately 5-7% of payments to creditors. we must fund depositors' money to guarantee their investments, guarantee their safety, reliability and efficiency of use, here are three very important criteria: in 2015, by analogy with the deposit insurance system , a system was created to guarantee compulsory pension savings, in 2023 voluntary, interests are now protected.

computer, you need to buy this expensive helmet, with the help of augmented reality you can take any modern device that has a camera, internet access, even a mobile phone, even a mobile phone, and it will work perfectly anywhere in the world. vitaly kazak came to moscow from kogalym to enroll in a geological exploration institute; after a couple of years, future oil workers were sent to two-week training at the fields, where it became clear how far the theory was from

practice, so the idea to create a digital educational platform for training young professionals. which , as it turned out, is of interest not only to oil companies , now we are actively working to implement this technology to demonstrate finished housing, with augmented reality we can directly superimpose furniture there, the location directly on an existing object and see how it will be in reality and we can quickly change anything if necessary. now vitaly kazak is a graduate student at the skolkovo institute of science and technology. and we need to pay somehow, we have to somehow pay for the server there some technical features. therefore, financial support greatly accelerates this process and allows for rapid growth. digital technologies are developed not only by those who find themselves under reliable protection. the system itself will please. number, we plan to use the concept of three zeros in our work, what does this mean? this means zero queues for receiving the service, zero paper documents and but, that is, the depositor will be able to receive the service,

submit an application without leaving home or from the workplace, if this is a working person. the service is still in development, but they agreed to make an exception for us to show how it works. you can submit an application and receive insurance compensation on the dia website or on state services. where all available data will be loaded automatically, if there is a world map, you don’t need to enter the details either, you just need to indicate there is a key, and you considered how much it would take to process all this, well, that’s how long it took me to tell you, but it’s probably around one and a half minutes, maybe even less, it’s clear what’s needed carefully look at the data so that there are no errors, i believe it will take no more than 5 minutes, when approximately all this can start working already, all this can start working in the spring of twenty-four, and we are ready for this, here i am... i was just showing you the entire constructor has actually been completed , there are minor ones left, now through government services you can, for example, order an extract from the bank register or a certificate of payments, there is

a convenient refinancing portal in case a person took out a loan, it later turned out that the bank’s license was revoked, you you agree to us that we disclose the terms of your loan agreement and the bank looks at whether it can issue you a loan on new conditions, and here it complies.

it is necessary that things do not come to such a substitution, that is, banks work reliably, deposits are secured - by the reliability of banks, and if there are any emergency situations, the state will come to the rescue. over 20 years , the russian deposit insurance system has turned into a powerful organization, protecting the finances of russians, and no matter what scenario the bank experiences, today every depositor knows that his money is under reliable state protection.