The President of Russia regulates the rights of the owners of a Large Moscow

Taking into account the fact that the attached territory is currently one current and three closed object of placement of wastes in the Federal law "On production and consumption waste" there is a transition period up to 2025, in the course of which these objects may be held and used in this territory.

Until 31 December 2014 established by the date of the adoption of the rules of land use and construction in the city of Federal value of Moscow.

In accordance with the amendments to the Federal law "On turnover of agricultural land", is established that prior to January 1, 2025 in the sale of land plots from structure of lands of agricultural purpose, which are as a result of changes in the boundaries of a city of Federal value of Moscow to the lands of settlements, the pre-emptive right of purchase of such land plots is a city of Federal value of Moscow.

In addition, a possibility of regulating peculiarities of tax, timber, housing and other legal relations laws of a city of Federal value of Moscow.

So in the Tax code of the Russian Federation amended, providing for the possibility of the introduction for a period of up to two years, the laws of the Federal cities of Moscow system of taxation in the form of a single tax on imputed income for separate kinds of activity in that case, if on the day of changing the borders of a city of Federal value of Moscow the tax system is operated in the respective municipalities on the basis of normative legal acts of representative bodies of municipal areas, city districts.

The law allows for the possibility of saving in the municipalities located in the attached territory, tariffs for them at the present time. The authorized body of the Executive authority of the city of Moscow granted the temporary authority to establish in such municipal formations of the tariffs, other than tariffs, currently operating in the city. Moscow, depending on regional and socio-economic characteristics of these municipal formations.

Producer prices in Russia have fallen for the first time since January

Producer prices of industrial production in Russia in May declined by 2.4% compared with the previous month, according to Rosstat. In annual terms in May, prices increased by 3.1%. Since the beginning of the year, inflation in industrial production was 1.1%. In April the rate grew by 0.6% in March, the increase was 2.1%. This year, prices were falling (except May) only once - in January (-0.2%).

According to authorities, the mining sector, the fall in prices in May was 8.8% (in April was 0.5% growth). The increase in prices in the manufacturing sector was 0.1% (in April - 0.9%) in the production and distribution of electricity, gas and water drop was 1%.

The highest inflation in the May industrial production was in Tuva (5.6%) and Sakhalin region (+5.3%). The most noticeable deflation recorded in the Tyumen and Orenburg regions (-9.9% and -6.3% respectively).

World oil prices have fallen significantly in the negative on the U.S. economy

The cost of the July futures on U.S. light crude oil WTI (Light Sweet Crude Oil) in electronic trading in New York at the end of the trading session down $ 2.23 to - to 81.8 dollars per barrel.
August futures price for North Sea Brent crude oil mix fell 3.07 dollars - up to 92.69 dollars per barrel.
On the eve of the U.S. Department of Energy reported that commercial stocks of "black gold" in the country (excluding strategic reserves) for the week ended June 15 rose 2.86 million barrels, or 0.7% - up to 387.3 million barrels, is the largest value since July 1990. The analysts forecast a decline of 1.3 million barrels.
In addition, the fall in oil prices contributed to the decision of the Federal Reserve System (FRS) the USA to revise downward forecast for real GDP growth for 2012, while increasing their expectations for the level of unemployment in the world's largest economy. In particular, in 2012 the Fed expects GDP growth of 1.9-2.4%, inflation - at around 1.2-1.7%, unemployment - 8,0-8,2%. In April 2012 the Federal Reserve projected GDP growth this year at 2,4-2,9%, inflation at the level of 1.9-2.0%, and unemployment - in the range of 7,8-8,0%.

Ministry of Energy will offer to calculate the tax on gas production in a new way

Ministry of Energy on June 9 meeting, the government will propose a radically different formula for calculating the rates of tax on extraction of natural resources (MET) on the gas. About this newspaper writes today, citing sources. The rate of severance tax is tied to several parameters - the internal gas prices set by the Federal Tariff Service for retail customers, the export price of gas, as well as the complexity of the field. There are currently fixed-rate severance tax, which is indexed annually by the Ministry of Finance to amend the tax law

Spanish banks need 40 billion euros to recapitalize

According to the International Monetary Fund (IMF), the Spanish banks need to restructure a loan of € 40 billion, with which they can emerge from the crisis, "even in the worst case." IMF experts believe that the "buffer amount ', designed to convince investors the ability to withstand the risks of the Spanish economy should be one and a half - two times higher than their assessment of the so-called" stability to the financial turmoil. "Although Spain did not officially sought help from the EU or the IMF, European officials have expressed the view that the country itself with the recapitalization of banks will fail. For this assistance Spain would have to impose additional cost-saving measures in addition to those reforms that have already been agreed with the EU.

"Ruble" hold "until July - and then collapse." Experts advise not to delay major purchases

While the ruble was falling rapidly - a week and a half value of the currency basket has risen by almost 2 now.

60 kopecks. Officials and representatives of the monetary authorities to reassure the Russians, saying that the depreciation of the time, it is associated with the crisis in Europe and the seasonal factors and, in general, devaluation of national currency is extremely beneficial to any state.
Everything under control?

Thus, according to Sergei Ignatiev, the head of the Russian Central Bank, is currently "in Europe intensified crisis," and "European politicians have so far failed to provide the market and the general public a coherent program of action to overcome these difficulties." At the same time the Central Bank last week active in supporting the ruble exchange rate by buying domestic currency in the international market. As a result, by Tuesday, June 5, the Russian ruble finally started to slowly go up - the truth, before it had time to sink a three-year low of 37.57 rubles.
 - Now intensified CBR does have good support for the domestic currency quotations, - says Anna Bodrov, the analyst "Investkafe." - The Russian regulator, as shown, very slow, but quickly goes: last week the volume of intervention in the domestic market was small, but in the beginning of a new five-day balance of power has changed, and Monday, June 4, the ruble could return to the mark 33.5 rubles. the dollar.
From the fact that "all is quiet in the market," agrees and Minister of Economy of Russia Anton Siluanov, according to which "everything that happens fits into those frameworks of monetary policy, which established the Central Bank for the current year."
- The ruble, even after a substantial reduction in the parameters of the corridor set by the central bank, so to speak of volatility, or risk worsening the situation correctly - said the Minister.
- At the Central Bank does have the resources to keep the exchange rate in the right corridor to it - confirms Bodrov - and the reason for the "not fast" response may lie in the fact that the regulator has decided to observe the behavior of the ruble in a stressful situation.
That is, the central bank last week and a half is actually conducted a stress test for the national currency, analysts agree. In the near future monitarnye government really be able to keep the situation under control, but this does not mean that the ruble will continue to grow, and the national economy - noticeably improved.
All the more so manipulated the Russian Central Bank exchange rates will not last long.
- We must understand that these statements by politicians and bureaucrats at various levels are often academic in nature, and only from a theoretical point of view, as described in the textbooks have a place in life, - says analyst "TRADE PORTAL" Alexey Rybakov. - In fact, foreign exchange and stock markets in the short term has long been divorced from the real economy, and trends in those markets create large speculators, rather than macro-economic processes.
- In addition, the Central Bank plans to continue - after release in the national currency float freely, - adds Bodrov. - It's hard not to mention the fact that due to the falling price of oil in the budget does not receive funds. And so the weak ruble immediately benefit from the economy and government.Poll worries Sea, "two"
Against the rosy forecasts of the current leadership of the Ministry of Finance expressed and former head of the Ministry Alexei Kudrin.
- We are facing a new round of global crisis - he said, speaking at a public meeting of the Committee of Civil Initiatives in the RIA "Novosti".
This provoked a revolution is really the problem in the euro area and in particular in Greece, agreed with former colleagues, Mr. Kudrin, however, that similar problems may arise in Russia - and in the very near future - "literally possible and very likely," said Ex-minister.
- In my opinion, the opinion of Mr. Kudrin is closer to reality than the statements of representatives of government and central bank - said Rybakov.
- The world is going through a few months, the second - active - a wave of financial crisis. That's why now, when the decline has affected the scope of Russia's interests - ie the oil price, quotes the ruble went down so fast.
Considers natural weakening of the ruble and A. Bodrov. "An additional factor that provoked the weakening of the ruble was the folding programs carry trade currencies with the use of Russian as a second instrument, while the first instrument - the U.S. dollar - has remained unchanged," - adds Rybakov.
According to forecasts Bodrov, "the ruble in the next few days will stabilize in the hallway 31,9-33,3 rubles. The dollar, which will stay a week or two, and then a lot will depend on the external background."
- After a pause, by mid-summer, you can expect a new wave of weakening of the ruble, because of the obvious factors of pressure will add one more - rising inflation in Russia, - said the analyst.
By the way, the acceleration of inflation in Russia, there is now.
According to Rosstat, in April, consumer prices increased on average by 0.3% in May - already at 0.5%. And closer to the fall of this figure will only increase - due to the rising costs of products, increased utility tariffs (in July and then again in September) and other seasonal factors. In addition, spur inflation and the planned budget spending, which, although laid down for the entire year, has traditionally been unevenly distributed and mostly occur in autumn.Another view, "The present crisis will begin after the New Year. Dollar will cost 35-40 rubles"
 At the same time, the experts expect the fall for a number of important events throughout the world economy, which largely determine the fate of the Russian currency.
- The behavior of the ruble is now more dependent on global economic situation. Clarifying the issue with Greece in mid-June can deploy the negative investor sentiment. But the possible adoption of new programs to stimulate the economies of the U.S., Europe and China, by contrast, will be the reason for the growth of commodity markets and capital markets - said Bohdan Zykov, expert "BCS Express." - In any case, no matter what happens on the world stages, strong fluctuations in the ruble provided at least until the autumn.
In November, a hand may be a possible ruble devaluation of the dollar after the presidential elections in the United States as a strong national currency - not in America's interest, especially now. But the negative trend - the depreciation of the ruble - will continue in case of aggravation of the crisis in Europe, involving the uncontrolled release of Greece from the European Union.
Therefore, the first tangible effects of the fall of the ruble, Russians will be felt in September and November this year. If the weakness of the ruble will remain closer to the fall of the banks will start to change their monetary and credit conditions in the direction of tightening, says Bodrov. Also, expect "a rise in price of imported goods, and Russian products with a high proportion of imported raw materials and components," said Rybakov.
So a major purchase - car, household appliances, apartment or room - better do it now rather than defer to the "then" by the end of the holiday season you can depreciate the ruble savings, while interest rates on bank loans will grow in any case - even with the strengthening of the ruble , they will push inflation growth.

FAS fined 2 million rubles net Sash & Metro Sarry

Federal Antimonopoly Service has fined two million rubles in the trading network Metro Sash & Sarry in the case of discrimination of suppliers, said head of the department of trade and non-service profile management department Larisa Tuzikova, PRIME. The total amount of fines, she said, may amount to 130 million rubles.
"All in 65 episodes. The amount of penalty determined, and we are now waiting for a number of documents from the Metro for the imposition of fines on the remaining 64 episodes, "- said Tuzikova. She noted that the Office within two months, will issue regulations on fines, if all the documents will be provided in time.
FAS believes that Metro discriminated against Sarry Sash & suppliers of fish and fish products. According to experts of the service, the cost of services to commercial companies to promote products suppliers, depending on the turnover has been installed illegally. The case against Metro Sash & Sarry was opened in early 2011, and in November the Federal Antimonopoly Service recognized that discrimination on the part of the network with respect to the suppliers. Metro Sash & Sarry dispute to the Arbitration Court of Moscow the November decision of the FAS, the next court hearing is scheduled for July 10.
Metro Group manages more than 2.2 thousand stores in 33 countries. The company is developing a network of wholesale hypermarket chain Metro / Makro Cash & Carry, a network of shops of home appliances and electronics Media Markt and Saturn, as well as hypermarkets Real. Net profit of the group on the basis of Metro Group in 2011 decreased by 25% to 631 million euros. In Russia, Metro Cash & Carry is represented by 62 trade centers. On April 1, 2012 the new CEO of the Russian subsidiary of Metro Cash & Carry was Peter Boon.

Dollar rebound will be short

Not confirmed market rumors that the Fed is not going to today, then tomorrow start again pump up the market liquidity. Bernanke promised markets quantitative easing on Wednesday, speaking before Congress, and nothing of the sort promised on Thursday, speaking before the Senate.

The ECB, on the contrary, throw into the market more than 310 billion euros, if you take the net result of yesterday's operation at a reduced provision of liquidity. Here at once started for the dollar, the Swiss National Bank has also helped, spending is rumored to have intervened against the franc by buying U.S. dollars. It seems to be going to what is necessary to buy USD and ruble in the foreign market as a trend, a positive for the dollar.

Perhaps this is true, but it is short-term trend, do not get carried away. Because the Fed does not say about the new policy of easing the situation in the economy was better. And if there is progress in the growth of world economy, will rise to new purchases of currencies of developing countries.

Markets have opened in Europe slump against the downgrading of Spain

MOSCOW, June 8 - RIA Novosti. Leading European stock indexes began trading Friday, the negative dynamics on news that ratings agency Fitch has downgraded Spain's once in three stages, according to the auction.In the first minutes of trading the German DAX 30 fell by 1% - up to 6084.2 points. The French CAC 40 fell 1.03% - to 3039.47 points. Britain's FTSE 100 lost 0.3% and was trading at around 5445.8 points.
With pessimism on the stock exchanges taken the decision to reduce the Fitch Ratings long-term issuer default rating (IDR) of Spain in foreign and local currency ratings to 'BBB' from 'A' amid fears over the banking sector.
Bidders have paid attention to unofficial reports that the International Monetary Fund (IMF) on Monday will publish its assessment of the banking sector in Spain, according to which the country needs 90 billion euros to save it.
At the same time, the prognosis was better than the statistics from Germany. In particular, the trade balance surplus in Germany in April 2012 amounted to 14.4 billion euros, against a surplus of 17.4 billion euros in March. Analysts had expected values ​​of the index level of 13 billion euros.
DAX 30 (Deutscher Aktienindex) - Germany's main stock index, the index is calculated as earnings per share of 30 largest companies (by market capitalization).
CAC 40 (Cotation Assistee en Continu) - France's main stock market index, calculated as a weighted average capitalization value stock prices 40 largest companies.
FTSE 100 (Financial Times Stock Exchange 100 Index) - the main UK share index, calculated by the stock quotes 100 companies with the largest capitalization of listed London Stock Exchange (LSE), weighted by market capitalization.

Bank of Moscow in 2011 was 24.6 billion rubles of profit according to IFRS

MOSCOW, June 9 - RIA Novosti. Bank of Moscow, VTB Group in 2011 was 24.6 billion rubles of net profit under international standards finotchetnosti (IAS) versus a net loss of 69.7 billion rubles a year earlier, shows the annual accounts of the group.
"Net profit of Bank of Moscow, on the basis of 2011 amounted to 24.6 billion rubles. Revised results in 2010 amounted to 69.7 billion rubles at the expense of a loss reserve for losses on loans and advances to customers of $ 105.5 billion. Return on capital in 2011 amounted to 24.7%, earnings per share - 136.2 rubles ", - the bank said.
Earlier it was reported that a net loss of Bank of Moscow under IFRS in 2010 amounted to 68.2 billion rubles.
The Bank of Moscow, the Russian fifth by assets, is in the process of financial recovery.
Change of shareholder capital of the bank in 2011 led to a series of tests, which revealed a significant portfolio of assets associated with the financing of projects for the former head of Bank of Moscow Andrey Borodin and several others.
To save the Bank of Moscow, the support of the credit organization of city government since Yuri Luzhkov, has been allocated 295 billion rubles from the Central Bank for 10 years at 0.51% per annum, which he invested in federal bonds at 8.16% per annum. This enabled the bank to generate a sufficient amount of reserves in accordance with international standards.
VTB's Guide predicted that in 2011 the Bank of Moscow can earn about 15 billion rubles.
Revenues, reserves, loans
Net interest income of a credit institution, amounting last year to 23.8 billion rubles, after provision for impairment losses turned in 96.9 billion.
In 2011, the Bank sent to the reserves of 120.7 billion rubles under the portfolio of problem loans, he inherited after the departure of the previous top management. The reflection came to 152 billion rubles from the recognition of loan DIA allowed him to cover the losses associated with high levels of redundancy.
In addition, the Bank recognized impairment losses on securities available for sale at $ 10.6 billion.
Bank of Moscow in the last year managed to substantially increase non-interest income - up to 52.4 billion rubles, compared to a loss a year earlier.
Bank's loan portfolio after provision increased by 6% - up to 533.7 billion rubles. Accumulated reserves at end 2011 amounted to 255.3 billion rubles.
Funds of natural persons in the bank fell last year by 10% - to about 163 billion rubles.

On the foreign exchange market continued speculative attacks on the ruble

The decline in world oil prices and investor flight from risky assets provoke new planned speculative attacks on the ruble.
The weighted average dollar exchange rate on a single trading session (UTS) at 11:30 GMT tomorrow calculations by which the Central Bank set the official exchange rate rose by 82.11 kopecks on MICEX - up to 33.7384 rubles, according to data exchange. On the eve of the average rate stood at 32.9173 rubles per dollar.
- The dollar fell to a penny at the opening of trading the MICEX June 1
- Dvorkovich, "Growth of the dollar so far can not be afraid"
Reduction of the ruble is now happening to a greater extent due to mistrust of risky asset class against the debt problems of the eurozone. Add to this cocktail of oil fell and we will see that the ruble is virtually no support factors. It is significant that the Russian ruble and the euro is growing powerfully, despite all the woes in Europe and the fall of the single currency to the dollar to 2-year lows. The euro exchange rate against the ruble rose to 11:30 GMT on 20 cents - up to 41.65 rubles.
At the same time, the Bank of Russia does not consider the volatility of the ruble serious, did not change the parameters of foreign exchange intervention, told reporters today the Bank of Russia Deputy Chairman Sergei Shvetsov. "The volatility of the ruble within our corridor is not serious, it suits us ... The mechanism of foreign exchange intervention, we have not changed: $ 500 million - 5 cents" - said Shvetsov, adding that the corridor boundaries established by the Central Bank of the currency basket are on the same level 32 ,15-38, 15 rubles.
Foreign exchange intervention by the Bank of Russia committed in excess of the target volume are performed in order to smooth exchange rate fluctuations are not caused by the action of the fundamental economic factors. When reaching the maximum level of the Central Bank "accumulated" intervention ($ 500 million) shift of the boundaries is crawling band against the currency basket by 5 cents. As an operational guideline of exchange rate policy of the Central Bank uses the bi-currency basket (0.45 euros and 0.55 dollars). The range of valid values ​​specified floating operating interval (width of 6 rubles), whose boundaries are adjusted depending on the amount committed by the Central Bank foreign exchange intervention. As of 13:00 GMT Friday, the value of the currency basket was 37.42 rubles.
Futures for Brent crude oil continues to slide down this afternoon, she sank below the psychologically important mark of $ 100 per barrel.

The dollar will go for the weekend at around 33.74 rubles, 82 kopecks adding

The average rate of the euro with a term of settlement "tomorrow" to 11:30 GMT soared to 91.98 kopecks. - Up to 41.7515 rubles. The ruble continues to update the lows of late last year against the backdrop of increased volatility in the global market uncertainty, and in a significant decline in oil prices. Finmarket 01/06/12 11:45

The dollar rose against the ruble on Friday at 82.11 kopecks and makes the situation at 11.30 GMT 33.74 rubles. These were the results of trading a single trading session (UTS), MICEX, which set the official exchange rates of the Central Bank. News 01/06/12 11:38

The dollar settlements "tomorrow" on Thursday rose to 72 cent - up to 33.48 rubles, and during the day, he rose to 33.69 rubles (with a peak in April 2009), the euro rose by 83 cent - up to 41.42 rubles almost reached during trading 41.69 rubles (with a peak in December 2011).

What is the big business keeps their savings?

The head of the Central Bank Sergei Ignatyev does not rule out further weakening of the ruble. "If oil prices continue their decline, perhaps, but not necessarily, the ruble will weaken - but much slower than it happened," - said Ignatieff in a meeting with Prime Minister Medvedev in Gorki. The head of the Central Bank has promised to make greater use of foreign exchange intervention. On Friday, the market has been thrown out $ 200 million.
In the case of an unstable exchange rate, managers and company owners are advised not to bother. The Russian currency since the beginning of the week fell by 15%. Dollar is worth 33 rubles 74 kopecks. The U.S. currency within five working days increased by 1 ruble 68 kopecks.
Chapter Tsentrobnaka at a meeting with the president says: "The situation is under control." The main and only reason for the weakening of the ruble Sergei Ignatiev calls a crisis in Europe. That's the problem in the euro area led to the fall in world oil prices and, consequently, to a weakening of the ruble. "The episode is not the first, something similar happened last fall, was also a crisis in Europe, the same drop in oil prices," - says Ignatiev. He himself admits that stores all of their savings in rubles. And do not believe that the ruble is bound to weaken in the long term. The banker Alexander Lebedev - too calm and confidence in the Russian currency
"I have kept in rubles, as well as in various other Russian assets. For example, potato farm - the largest in Europe. It consists of equipment, warehouses and land. It is necessary to plant the potatoes, then clean, then process and sell. I do not see any drama at all, frankly, we look today at the background of Greece and some European processes very well. Another thing, the Central Bank to behave a little more than a man. Maybe some personnel changes necessary to the Government and the President of the Central Bank to hold, then it all calms down immediately, because the ruble looks better than it has ever been. "
Experts predict a reduction of the Russian ruble. The dollar will rise if Europe does not take drastic action against Greece, the chairman of the board of directors, "MDM Bank" Oleg Vyugin:
"If the worst-case scenario, there will be continuation of falling oil prices to some, perhaps, reasonable limits, but nevertheless, this decline will continue. This will be accompanied by a strengthening dollar, especially against the ruble. Here is how a lead in this situation: the dollar to stock up in case it will be even stronger? This trend will continue. Everyone must decide for themselves how it works in this situation, based on what he plans in life, what are the resources and so on. But this trend is possible. "
If oil prices decline, the dollar may rise to 35-38 rubles, experts predict. President of the company "Moscow Partners" Eugene Kogan believes that to abandon the ruble is also not worth it. Oil prices can be stabilized, then the domestic currency will make a rebound, says Cohen:
"Their investments should be just a little diversification. And something to keep the securities, something to keep in gold, if possible, something to keep in real estate, something understandable in some other investment. Man, if he has any money, you just need to diversify their investments and to treat some money, as speculative as to the conservative, and then everything will be fine. "
The current situation can have a positive impact on the economy. Experts are sure that a small devaluation of Russia will not interfere - it will increase the competitiveness of domestic producers.

Visa removes the competition at the Olympics in London

At the Olympic sites the company closes 30 payment points that accept Mastercard and American Express. Instead, in the Olympic Park in East London, and Excel will be the center of eight ATMs, which can only work with cards Visa. The company has received exclusive rights to payment transactions in the Games in London. Visa does not violate the antitrust laws, the head of government, "Moscow Legal Agency" Alex Linetsky:
"During the Olympic National Olympic Committees, as a rule, the requirements for the conduct of companies offering a variety of services to guests of the Olympics. Moreover, the company must provide a quality service, it still pays quite a serious contribution to the Olympic Committee for their very right to provide this service to make the provision of services, especially in advertising. I do not think that in this case, Visa or any other company that provides these services on an exclusive basis, violates the antitrust laws, including the national legislation of Great Britain. "
In Visa's belief that many of the participants and guests enjoy the Olympiad is their system. In the UK alone more than 100 million cards of this company. Experts note, Visa spent more to get exclusive rights than receive income from work at the Olympics. Competitors - Mastercard and American Express virtually nothing to lose from what turned out to be beyond the Olympics. Says Vice President "Spartak-bank" Paul Gennel:
"I think that is unlikely to be significant losses, it is rather a fashion course. The volume of withdrawals and payments, which will take place during the Olympics, will definitely big, but in the total turnover of all the world Mastercard and American Express is not likely to be even 1%. Likely to be even billions, it will be a few dozen, a hundred or two may be millions - within pennies of earnings of these systems. "
After the decision to close dozens of Visa payment settlements, without ATM were many objects of the Olympics, including Wembley Stadium. This is unacceptable, says one of the directors of the British Council on Payment Systems Ron Delnevo. He points out that more than 80% of transactions are used cash. In most Visa's say that for the first time at the Olympic Games will run contactless payment system. And cash is not required.

Non-cash items in need of protection

On this week's issue of transition to non-cash payments had gained new strength. First round table gathered the representatives of the Ministry of Finance and the Central Bank. And they are quite ambiguous in favor of what administrative measures to restrict the cash in Russia is not worth it.
The idea of ​​non-Cash - a robust, but the situation for her is not yet ripe, spoke at the roundtable. And the instant payment terminals is small, and the commission they charge exorbitant - up to 10 percent of income. And people have not yet learned to control their costs by paying for purchases with plastic cards.
Almost all of my friends recently confirmed in a vote. Money from katochki - running out like water. Such payments must be getting used to, get used to. Not all banks are also now offer this service as sms-notification of all operations, when any payment and a deposit immediately becomes aware of the cardholder.In short, at the round table the representatives of the Ministry of Finance and the Central Bank decided not to rush to non-cash items. But the very next day, Finance Minister Anton Siluanov said that large purchases of more than 600 thousand rubles, still need to be translated into non-cash payments.
This topic, we decided to continue with our experts: adviser to the Institute of Contemporary Development Nikita Maslennikov, and Doctor of Economics Paul Medvedev.
RG: If you were the Minister of Finance, which would start the fight for the reduction of cash payments in the country?
 Maslennikov: First of all, it is necessary to prepare and launch a program to improve financial literacy. This is perhaps the most important thing that could make the Ministry of Finance.
Also, I would suggest that tax incentives for infrastructure development of non-cash payments. And at first extended to the business that is engaged in innovative technologies in this field. This will increase the degree of protection, particularly for ATMs and a post-terminals.
Medvedev: Then do the task properly. It is necessary to introduce control over all kinds of non-cash payments. A very substantial part of them passes through a system of instant payments. By the way, she loves to use the drug dealers. So what? It is very convenient: the seller and buyer to each other will never see. The money goes through the terminal to the seller, who then tells you where the hidden item.
WG: How important is this issue at all today? The economy, indeed, so much affected by the dominance of "real money"?
Maslennikov: The subject is certainly topical. But it should be noted that since the beginning of the year is the amount of cash in circulation decreased significantly - by more than 100 billion rubles. But we have them all still very much in contrast to even the developing countries, where their share is about 15 percent. And in the developed economies - only 7-10 per cent.
Available estimates indicate that by adjusting the proportion of cash in circulation to the standard of other countries in the Russian banking sector, there is an additional liquidity of $ 2 to $ 3 trillion rubles. It is in fact comparable to the amount of anti-crisis state infusion into the banking sector. And in fact when the question of the macroeconomic importance of reducing the cash in circulation rose by itself on the agenda. So the effects are quite comparable. Normal operation to reduce the proportion of Nala can insure the monetary authorities of these pump.
 Medvedev: This is partly true. Indeed, with the help of cash are often committed transactions that are not registered and, therefore, to him shall be paid the necessary taxes. But in recent years has become popular, as I said, a system of instant payments, which need to be addressed. Once again, the problem is not cash or non-cash transactions, and in controlled or uncontrolled.
RG: How effectively translate the purchase of more than 600,000 rubles in non-cash payments?
Maslennikov: Economic little sense in this at the present level of infrastructure development of non-cash payments and settlements in the country.
Medvedev: I think it was understood by the Ministry of Finance is not entirely accurate. I recently listened to an address by Deputy Minister Alexei Savatyugin, when he explains to the proposal. Rather, he insisted that conditions were created for the free choice to be able to pay such amount in cash or cashless way. But not forcibly enter the rule.
RG: How to limit the fees at ATMs or hypostasis is the market and it can not be helped?
Maslennikov: First of all, it's a question for the central bank. We need regulations, which at the moment no. And the control knobs for the sector. The paradox is that the rapid development of non-cash payments and payments to this area in terms of charging commissions was almost out of regulatory control of creativity.
Of course, this legal lagoon need to be closed. And as soon as possible. In addition, the regulation would cost to register a special commission headed bill on consumer credit. And, perhaps linking the provision of credit with the release of the corresponding credit card.
Medvedev: It is, of course, the market hypostasis. And here it is necessary to restrict not only administratively. That bankers are now agitating us to receive the salary on cards and used them more often. In this connection it must be said to them: if you want us to use your services, make sure that services ATM machines have become cheaper.
RG: Non-cash money to the same, as it turned out, not so safe. Central Bank says that the card fraud in the past year increased by 40 percent. And it will grow. In Europe this has already learned how to fight and fraudsters, forecast by the Central Bank, to take off in Russia. Clearly, people need to be cautious yourself. But they can not do anything, for example, when data is read from an ATM card, installing specMaslennikov: Generally, the damage from the crimes with payment cards in 2011 totaled 1.6 billion rubles. And it is much more than the damage from counterfeiters. Since that year, counterfeit banknotes detected only 50 million rubles.
So the problem is very acute. Have to deal with it and the actions of regulators, which should tighten supervision, and the relevant law enforcement departments. In addition, the cost would be to encourage owners and ATM terminals. I would go out to them by law to pass on to any part or the entire amount of damages that arise from fraud because of non-cash settlements.
Medvedev: some progress in this already. For example, the opportunity to instantly receive information on the card to the phone. There are banks that offer to have a special card, which he undertook to translate a small amount of money. And it can produce non-cash payments, such as the Internet. This eliminates the risk that you withdraw all the money.
RG: Cash - it is the obligation of the Central Bank. A non-cash - an area of ​​responsibility of commercial banks. Central Bank can not go bankrupt, and a commercial bank can. And then what will happen with electronic money, the means for payroll cards? They do not fall under the Deposit Insurance Act. Or am I mistaken? Maslennikov: These fears are groundless. So, first of all, it is advisable to withdraw money from ATMs of the bank that issued the card. As a rule, and the Commission in this case does not happen.
Second, the required amendments in the law on bankruptcy of credit institutions to address this point. Third, it would be advisable accounting organizations and enterprises to issue a contract for banking services, taking into account for determining the amount of wages of each employee as his or demand deposits of up to 30 days. In this case, the protection afforded by the Deposit Insurance Agency, would extend to these funds. Of course, this is a big headache respective divisions, but it can act.
RG: The Central Bank argued that the amount of cash, even in developed countries has increased in recent years. What does this mean? Still, tighten the screws to restrict Cash should not?
Maslennikov: I am absolutely convinced that the occupation administration in this area will only bring harm. Sympathy for people to cash the first time in four years has exceeded the tendency of people to deposits. Cash is preferred 29 percent and 27 percent of bank deposits.
Experts in these matters has come to the conclusion that the way people react to the risks of the financial sector. And yet the memory of all the 2008 crisis, which began precisely with the banking sector. However, the development of cashless payment should be a priority in the actions of monetary authorities: the Central Bank and Ministry of Finance.
RG: What are the main advantages and disadvantages of cash and noncash money?
Maslennikov: As Nala, here in the pros in the anonymity of the payment and spending discipline. And the disadvantages - the risk of loss and inconvenience of moving large amounts.With regard to clearing, here of the benefits can be identified to reduce the risk of physical loss and convenience, when a million dollars can be carried in a purse in the form of cards. But there is a risk of falling into the clutches of electronic fraud.
Medvedev: The non-cash money is a terrible disadvantage - they are totally inconspicuous. For example, it is now paying bribes to teachers in high schools? Again, through a system of instant payments.ial equipment. How to protect non-cash money?

The Bank of Russia has taken steps to support the ruble

The Russian central bank to prop up the ruble began to conduct intensive intervention in the foreign exchange market. This was stated by the head of the regulator, Sergei Ignatyev, at a press conference after the annual meeting of stockholders of the Savings Bank on Friday.

According to him, further developments will largely depend on the dynamics of oil prices, the agency RIA Novosti reported.

"If the price drop will stop, then the rate will be strengthened, because now the movement rate is largely due not to the actual price, as expected. If you continue to drop in oil prices, it is possible that the ruble will continue to weaken, but at a slower pace than in recent years, as we are now actively carry out the intervention, "- said the head of the Central Bank.

The head of the Central Bank believes that the weakening of the currency associated with the European crisis.

But Ignatieff said that the Central Bank will continue to adhere to the same monetary policy as all the past three years, and will not change it because of the situation in the foreign exchange market.