the deposit insurance system is probably among the top five, if not the top three, most advanced experienced deposit insurance systems in the world. and all the people who by law have the right to receive these insurance amounts will receive everything. december 2023 state duma deputies supported a bill important for the financial market; it expanded the list of those if a bank suddenly loses its license. we will increase the number of those who fall under the deposit insurance system, including lawyers, notaries, medium-sized enterprises, we have now proposed to include in the system deposit insurance. and we will further and further

expand the distribution of this form of protection of funds for both citizens and enterprises in order to increase confidence in the banking system, and in general, a long-term savings program is being introduced, 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 with a limit of up to 36,000 rubles per year, and the npf invests these funds, but what is important is that the savings are insured, this can be put aside for some family events, a child was born, they put it aside for his studies, wedding or some kind of money to buy an apartment in the end, or you can put aside savings so that after retirement you can have another additional income, the amount of guarantee is twice as large as for bank deposits, yes , that is...

rejected by the state duma, was there for 10 years, works great. the marathon ended with the election of president of the russian federation vladimir putin, the preparation of the concept of the future deposit insurance system was included in the block of first economic instructions, after 2 it took a year and a half for the law to be adopted, but by this time another controversial stage of creating the system had probably ended. as usual, where is the money going to come from?

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, many had a garage, but that too at first.

physics, but his name is inscribed in the history of the russian deposit insurance system. find alexander ivanovich for filming our reporting was not easy, but first things first. 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, everything is black, this limitation has transferred to more, so to speak, grain years. alexander badunov and his wife opened their first bank account shortly after their wedding, saved up four rubles for a car, and after they received six hundred square meters, they set up materials for their future home. in summer.

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 development.

95-98% of bank depositors do not notice the revocation of the bank’s licenses, because they receive all their money in full immediately, and not only the amount of insurance payments has changed, but the list of those who can receive them count about 10 years later, in 2014 individual entrepreneurs were added to individuals, and later small businesses. guests sometimes get stuck, how the dough is formed, baked, how it is delivered, it’s just a beautiful story, the smell is amazing, they buy, some stand, pay and gnaw. alexey botyakov calls his business an it bakery, no paperwork, everything is electronic . the online system clearly calculates

the optimal minivan routes between points, which allows you to save not on quality, but in 2020, despite the pandemic, he opened a bakery himself. i had small savings, about 700,000 rubles. we found a site that needed a little repair, and decided to try to make a bakery, bought a second-hand oven, a second-hand proofer, made it, did the repairs ourselves, and it worked. since january 2019, insurance covers small business accounts, that is, if the bank is withdrawn, they said that they started, you only had 7,000 rubles. here is the figure 1,400 rubles. here in your business. how much is 1.400 - this is uh several months of rent or several months salaries, 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, after the closure of the bank, found themselves in the third line of creditors, the first - individuals who 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, returned money to creditors of closed banks, another area of ​​tsa work, a new building was built here for the factory in 1997, using old drawings, a bank was located in these rooms. after his license was revoked, the building... was put up for auction so that the funds received could be used to pay off creditors, now i often have to go to closed banks, no, not often anymore, not a single license has been revoked this year , this is not what it was before, i saved, i saved so

that i would have something in retirement and what would happen. deposit insurance systems, which most of all is the formation, creation, and then development evokes emotions and remains in the memory forever, of course, the moment of preparation for the imminent payments, we did not know then that we would have to prepare for payments twice a week, maybe three times a week, some deposit systems abroad, they have never paid an insurance claim, maybe they were lucky? but we have our own branch, no owners, no servers, no documents with a register of depositors, which means

there is hard work ahead of dia specialists to pay insurance to those who actually kept their savings closed bank, and at the same time not waste a single ruble from the deposit insurance fund, because there were different cases. the bank, before the revocation , well, apparently, in anticipation of the revocation of the license, installed high-speed atms, and literally within one or two nights there, with an investigation in advance ... prepared people who continuously deposited large sums of money into deposits, then these funds were loaded into a cash-in-transit vehicle that disappeared in an unknown direction, and against this stands a group of individuals who they demand payments from the deposit insurance fund , i would say pure fraud, after the restoration of the insurance compensation payment registers, the next stage begins: settlements with

professionals, but i can say that yes, we are doing it professionally now, and the result is not bad, now this warehouse has already

been closed, the remains of a bank inheritance mid-2010 are being sold online, including this mansion on baumanskaya; at its peak, the dia managed assets totaling approximately 4.5 trillion rubles. now the unsold portfolio is about 2.5 trillion. now how is this building valued, that is , how much can they potentially get? shopping complexes in moscow, over the years

many business representatives dreamed of owning this tasty piece of real estate. here is one of the oldest. one of the victories of the buyer's dia for trade price centralization. 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. for an asset, and therefore because of the ability to pay. 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 quickly received this asset and sold it very successfully and were able to replenish the bankruptcy estates of these two banks by 2 billion 100 million rubles. half a million creditors came to us and submitted their demands for an amount of 3.2 trillion

rubles. the 2,100 criminal cases that we supported in order to ensure that the history of bank bankruptcy began with approximately 5-7% of payments to creditors. we must guarantee private investors. pension funds of money savers, guarantee their investments, guarantee their safety, reliability and efficiency of use, here are three. in 2015, by analogy with the deposit insurance system , a system of guaranteeing mandatory pension savings was created, in 2023 voluntary. now the interests of 80 million people, or more than 7 trillion rubles, are protected. when you were told that saving for retirement would also be your task, what were your feelings, emotions, thoughts? you know, probably,

speaking from an emotional point of view, we we understand. that this is a very large mandate of trust for the system, it means that we have worked well, and the state sees the benefit of similar guarantee mechanisms for other markets. since 2015, we began insuring iskra accounts for the purchase and sale of real estate; since 2018 , we have protected the funds of shareholders up to 10 million rubles. after another 2 years, for example, this is a grant from the state, the increased limit applies for the first time.

this is an expensive helmet, with the help of augmented reality you can take any modern device that has a camera and access to internet, even mobile phone, even 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, a couple of years later , future oil workers were sent to two-week training at the fields, where it became clear how far theory is from practice, so the idea arose to create a digital educational platform for training young specialists who, as it turned out, he is interested not only in oil workers. we are currently actively working on in order to introduce this technology to demonstrate finished housing, behind augmented reality we can directly superimpose the furniture there, the location directly onto the existing object and see how it will be in reality and we can, if we rely on science and technology and the author of the student it- startup that won a grant of 1 million rubles. you can

cope with pure enthusiasm, but sometimes, when you need some kind of help... they need to pay somehow, we have to somehow pay for the server, there are some technical features, so it’s still financial support greatly speeds up this process and allows you to grow quickly. digital technologies are being developed not only by those who find themselves under reliable protection, the system itself is going digital. we plan to use the concept of three zeros in our work, what does this mean? this means zero queues to receive services, zero paper documents and zero... time to wait for results. we are currently implementing a project to submit an online application for payment of insurance compensation, that is, the investor will be able to receive the service and submit an application without leaving home or from the workplace, agreed to make an exception 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 uploaded automatically. if you have a mir card, enter the details too. maybe even less, it is clear that you need to 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 years, and we are ready for this, here i was just showing you.

conditions, and here a certain balance of interests is maintained, a person or legal entity does not spoil his or her credit history, and we receive funds in a fairly comfortable manner, which again go to replenish the bankruptcy estate. as for the transition to receiving insurance compensation online, for those who want to receive insurance the old fashioned way, at the dia office or at the agent bank, the usual offline method will also remain. approaches and services may change. the priority remains unchanged: protection savings of every russian, maintaining the stability of the country's economy. we designed for society

, and there would be that social pressure , well, which i, for example, remember in the nineties, to do everything necessary so that things would not come to such compensation, that is, banks worked reliably, deposits were secured - by the reliability of banks, but what if 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 the scenario the bank was worried, today every depositor knows that the money is under reliable protection,

we’ll walk you to the train, but don’t, another half hour, well, let’s get warm at least , he doesn’t say anything about himself, they’re not interested in how i live, you’ll ask, will be offended, for sure... “i always miss you very much, it’s so difficult to leave you, warm your loved ones with warm words, the winter combo is delicious, period, there are all kinds of dragons, tough, cute, bully, all good, but still our own only 100 gb per year dragon. happy new year. diline on yours side. only at alfabank. order

a free alpha debit card, spin the reel in the app and get a superkick every month. order a card in december and are guaranteed to receive 30% cashback on equipment. not just profitable. 2 billion. celebrate the new year as a billionaire. buy tickets on the website in stoloto branded stores! how good it is here, thick walls, high floor, signal interference, in order to have good mobile communications in the house, you must first get a cat who will teach you how to use wi-fi, where there is interference signal? can i keep the cat? belaine is on your side.

cleanliness of your home, your assistants in the fight against germs and dirt, buy at competitive prices at wildberries. alexander nikolaevich , december 29th, no, i have ice delux, that means 28, no, i have bihhit, a delicious calendar at a delicious point, every day, a new favorite product at a super price, only in the app it’s delicious, period. dad, look, it’s correct to say, look, no, that’s right, smart trio, three are more profitable than one in belayne, techno komon 20 pro, communication accessory for 10 thousand rubles

more profitable than just a smartphone, this is the resolution, smartphones also need permission. belaine is on your side. the legendary alfabank credit card, free forever, has become even more profitable. receive a supercake every month. the commander has already decided, it’s me, what exactly the commander decided and other new points, the tank asked, unknown earlier footage, what nato should take into account, and they also showed everything, but only we saw putin’s documents up close, and also what the new year’s tree looks like in the office putin? a rare opportunity to consider it, our detailed work, how intelligent, we have been partisans

all year, we told you much more than others, you have great connections, moscow, the kremlin, putin, watch on sunday at 22:00.