By the end of the year in Russia could be a new kind of bank deposit - the family. The contribution will allow Russian citizens to open accounts in banks, together with their relatives. Such amendments to the Civil Code after the summer break to consider the State Duma. About
that, what is the need for the appearance of such contributions, and
what are their advantages and features of said deputy head of the
deposits and commission products of JSC "AIKB" Tatfondbank "Galina
Fedorova:
- Introduction of a joint bank account - this is an additional convenience, a service that will provide an opportunity for members of one family to form a common budget and use them together. When you open a bank account family on an equal footing would be to manage money, free deposit funds and withdraw money from it.
According to experts, the practice of such contributions is fairly common overseas, however, say whether it will find popularity with the Russians - it is too early.
Galina Fedorova:
- The joint family account must be convenient for the investors. We just need to harmonize legislation in order to minimize conflicts of owners of such deposits associated with managing the investment. In addition, it is necessary to determine the amount of insurance compensation for this type of deposit. To do this you need to know the proportion of each account holder, because it of its value and will depend on the amount of insurance reimbursement. While the bill proposes to allocate the same share in the joint account holders only if the arrest of money in the account and terminate the contract.
According to the vice-president of the Association of Regional Banks of Russia, the chief editor of the agency Bankir.Ru, Expert Portal TatCenter.ru Financial Market Jan Art, the need for this contribution was not, but it can not be considered superfluous, since it is a very convenient form of deposits, with which fill up, collect the money, control inputs can be any member of the family. "A very good initiative, long overdue," - said the expert.
- Introduction of a joint bank account - this is an additional convenience, a service that will provide an opportunity for members of one family to form a common budget and use them together. When you open a bank account family on an equal footing would be to manage money, free deposit funds and withdraw money from it.
According to experts, the practice of such contributions is fairly common overseas, however, say whether it will find popularity with the Russians - it is too early.
Galina Fedorova:
- The joint family account must be convenient for the investors. We just need to harmonize legislation in order to minimize conflicts of owners of such deposits associated with managing the investment. In addition, it is necessary to determine the amount of insurance compensation for this type of deposit. To do this you need to know the proportion of each account holder, because it of its value and will depend on the amount of insurance reimbursement. While the bill proposes to allocate the same share in the joint account holders only if the arrest of money in the account and terminate the contract.
According to the vice-president of the Association of Regional Banks of Russia, the chief editor of the agency Bankir.Ru, Expert Portal TatCenter.ru Financial Market Jan Art, the need for this contribution was not, but it can not be considered superfluous, since it is a very convenient form of deposits, with which fill up, collect the money, control inputs can be any member of the family. "A very good initiative, long overdue," - said the expert.
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