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Business / Finance

Banki.ru: themes of the day

Banking and financial news on the website Banki.ru

Found 423 items

Since April for families, where, after 1 January 2018 born second or subsequent child are the new terms of the program of preferential mortgage. Early in three, five or eight years the rate of 6% increased to the level of the Central Bank rate plus 2 percentage points (equivalent to 9.5% as of 18 June 2019). Therefore, the program had little success: since the beginning of 2018 took just over 4 thousand families. Under the new conditions of preferential rate applies for the entire term of the mortgage. It has already greatly increased the demand for the program. According to the government, now it can use about 600 thousand people. the Banks.ru often interested in the opportunity to refinance on favorable terms or to extend the validity of the 6-percent...

Poverty in Russia has its own national characteristics. In particular, Russians are characterized by a high level of tenure. Why the poor do not enjoy what you have? According to official statistics, in Russia 18.9 million people, or 12,89% of the population live below the poverty line. Rosstat classifies as poor those whose incomes are below the subsistence level. But if you focus on other indicators, such as consumption of goods and services, the poverty level is higher. So, according to the Institute of social analysis and forecasting (INSAP), the number of poor in Russia is approximately 36 million people, or about 25% of the population. the Head of audit chamber of the Russian Federation Alexey Kudrin has declared that does not exclude "a social...

The Russians again suffered money in mutual funds. However, choosing a strategy, investors often make the same mistakes. the mutual Fund instead of contributions In may, investors have invested in mutual funds more than 1.3 billion rubles. In this special popularity began to use equity funds. Interest in mutual Funds fueled the growth of the stock market: this year, the index Mosberg several times updated the historical maximum. Since the beginning of the year stock price increased by 16%, while Deposit rates fell on average by 0.15—0.2 percentage points. stock Funds attract investors deservedly so: their results look quite good. For example, mutual Funds oil and gas sector over the past year showed a yield of 20-30%. In addition, according to the Director...

Reduction in income affected not only the poorest Russians, but also a more prosperous rentiers and entrepreneurs. And this trend continues. Investors lost interest In 2018 in the structure of incomes of the population there was a decrease in the share of property income — from 5.4% to 4.9%, according to the overview "Comments about the state and business", HSE. the Central Bank also noted the decline in income from property in its report for the year 2018. "Incomes, including property incomes, in real terms, declined. The growth rate of real disposable money incomes of the population in 2018 was low and amounted to 0.1%," — said in the report. According to the Deputy Director of the Institute "development Center" NRU "Higher school of Economics" Svetlana...

Customers want the banks stopped being boring and saw in them a personality. As credit institutions solve this problem? the Reliability is no longer the main requirement of the customers to the banks. The Millennials (born 1980s to 2000s) requires that credit institutions were as comfortable as possible and to adjust their products to meet their needs. According to a survey cited by the rector of the Russian economic school (NES) Ruben Enikolopov, 60% of respondents are ready to change the Bank because of the awkward technology platform. "the Interface plays a huge role, task — to make a customized platform that would give, maybe the illusion of control that they can adjust the products for themselves", — said Enikolopov the discussion at the SPIEF-2019. He...

Investing in Chinese currency — a fun way to keep savings from the ruble's devaluation. However to invest yuan almost nowhere, the monopoly of the dollar in Russia is not threatened. de-Dollarization across the country After the visit of the President of China XI Jinping to Russia, the authorities are again talking about the need to get rid of the monopoly of the dollar. The countries agreed to increase the share of calculations in national currencies and to stimulate the issuance of debt instruments. And the banks that connect to Chinese or Russian payment systems, and will use direct correspondent accounts and participate in cross-border transfers, the promised support. Yet, despite all the efforts of our financial authorities, the us currency prevailed...

Ford turns to the end of June, passenger car production in Russia. The pioneer of the Assembly movement in Russia, this company no longer sees prospects for themselves. And not only it. In Russia recorded the highest for the entire history of observations, the outflow of foreign direct investment (FDI). Than it threatens? Not only money Foreign investors withdrew from the Russian market share, more than $ 1 billion for five months of 2019, according to data Emerging Portfolio Fund Research (EPFR). But much more alarming outflow of foreign direct investment, which last year amounted to 6.5 billion dollars and peaked in the entire history of observations. If portfolio investors by selling shares, just take their money (and they can re-invest at least a week),...

Chinese giant Huawei came under US sanctions. How will this affect the Russian economy and ordinary consumers? the Digital era has just begun and the war has already begun. Talked about this at the plenary session of the SPIEF-2019 Russian President Vladimir Putin, referring to the situation with Huawei. According to him, the company is not just trying to press, and unceremoniously pushed from the global market. the Problem with Huawei is not limited to one company. To suffer from imposed sanctions, many large international players and end-users. because Of what the Americans were angry at Huawei more recently, Huawei has seriously expanded its product line. In addition to mobile phones and computers, which Huawei once entered the market, the Chinese giant...

Banks.ru spoke with an investor who invests in dividend stocks of foreign companies. To create a portfolio, he decided to repeat the structure of the exchange-traded Fund NOBL. the choice of the aristocrat While the financial authorities are thinking about how to protect the Russians from the risks in the stock market and luring investors, "the people's OFZ", investors use any means to circumvent the legal obstacles and earn foreign exchanges. Private investor, Vadim decided to invest in the securities of Western companies that pay high dividends. Its strategy is based on up portfolio exchange-traded Fund ProShares S&P 500 Dividend Aristocrats (NOBL). Why not just buy shares of the Fund? According to Russian law, securities of a foreign ETF or exchange...

Of the Action "Gazprom" has demonstrated record growth. Their quotations have risen on 40%. What are the chances of growth of papers of the gas giant, owning more than 70% of Russian gas will continue? Two growth stages To begin with let us recall how the rising shares of "Gazprom". In early may the company announced plans to increase dividends to 16.61 per share. Earlier, the investors expected that for the year they would pay 10.43 per share. The paper then cost is very cheap — 163 of the ruble, and investors began to buy them. Just two days (may 14-15), they increased in price by 20%. some time later, it began to seem that "Gazprom" exhausted: the quotations of its papers for some time stayed at around 200-210 rubles. No reason for further growth of the...

The Specialists of Positive Technologies in the course of two years researched the security of ATMs and compiled a list of most vulnerable points. To suffer when attacks are not only banks but also their customers. the ATM is something like a computer: hard disk, system hardware, display. There are specific nodes — for example, dispenser of banknotes, which counts and dispenses the bills, or a card reader that reads card data. Security experts have studied the basic tactics of fraudsters and counted what percentage of the investigated ATMs are vulnerable in one or another part. most of the examined Positive Technologies ATMs were poorly protected from network attacks. Moreover, in order to hack the device on the network, an attacker would need on average...

Entrepreneurs often use consumer loans for commercial purposes. Should the bankers to apply any sanctions to the borrowers in such situations? the Revenue instead of the Association of Russian banks sent a letter to the Chairman of the Central Bank Elvira Nabiullina with a request to clarify how to proceed if issued by a private person the loan is being used for commercial purposes. "In recent years, increasingly began to be identified the facts, for example, received a loan of funds for the purchase of motor vehicles not for personal use, and generate income. Acquired by the borrowers in the loan vehicles are used as source of income (for example, to provide services of taxi, car-share, etc.), which may indicate either about the conduct of borrowers...

When buying foreign currency you may encounter with the above, because of which your expenses will be higher than planned. How not to be deceived? the Summer vacation season and, consequently, increased demand for dollars and euros. Exchangers, where the client could easily cheat, long ago outlawed, but some "clever" scheme is still used by financial institutions. • When going to the Bank for currency, be careful. Perhaps the rate shown on the display in office (street billboards has been prohibited since the end of may) does not correspond to that which will be derived. You can explain that different reasons. For example, the fact that the course is valid only when you purchase a certain amount. Before you pay money to exchange, be sure to ask the cashier...

Banks in early 2019, the become more willing to lend to "bad" borrowers. Why: over good customers or players in a hurry to reach this consumer segment to the tightening of lending rules? the Central Bank has documented a disturbing trend: consumer lending in Russia is not only slowing, but is growing at the expense of lower-quality borrowers. In the beginning of this year increased the issuance of loans to citizens with higher debt ratios (PDN). Thus, the share of loans with a PTI (payment-to-income, the ratio of monthly payments on all loans to the monthly income of the client — this indicator, the Central Bank decided to use to calculate the debt burden of individuals) above 80% in the first quarter of 2019 was 9.7%, which is 5 percentage points higher...

In Russia the third year of low inflation, at least in its official indicators. However, the inflation expectations of the Russians are extremely high — about 9-10%. Why people do not believe Rosstat and waiting for the worst? And how is unbelief to affect the real economy? Distrustful population Annual inflation in Russia in April to 5.2%, but only in this cabbage rose by 23.8%, carrots 11%. This is a short answer why the Russians have high inflationary expectations of 9.4% in April. When the representatives of Rosstat ask people how they believe will increase prices in the next 12 months, they somehow focus on the price tags in stores, and not on official figures of inflation. But consider the situation in more detail: it is sadder than it might seem at...