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Business / Finance

Banki.ru: themes of the day

Banking and financial news on the website Banki.ru

Found 452 items

According to various estimates, the poor in Russia from 15% to 25% of the population. In one or another period of poverty felt every second inhabitant of the country. How close are you to poverty and what to do to get out of it? How to understand that you are a poor There is a definition of poverty "income". This takes the cost of living. As of the second quarter of 2018, he is in Russia on average 11 280 rubles for the working population. If your income is below this value, you can consider yourself poor. Standard family with two working and one child must have income below 32 950 rubles per month, not to fall under the definition of poor. But, in addition to mathematical calculations, there is also poverty is "deprivation" when you can't afford that...

Even those many years working in the banking market and the Telecom market, sometimes make mistakes. And then they come. Collectors. the First bells Hello, my name is Antonina Samsonova, and I... owe you. Actually, I always very carefully applied with the money on time made payments on loans and credit cards, keep track of your accounts, do not violate the terms. Therefore, the letter of debt collectors put me in deep shock. But about all under the order. Looking back, I realize that the existence of debt could guess. First, Alfa-Bank refused my credit card. I, confident in his infallibility, of course, surprised, but this fact is not given. Then the same Bank did not approve me a loan to buy the phone, although I salary client. Check your credit history I...

Number of debtors in Russia is growing, but not always they are on their own. Scammers can easily place a loan for you, but to fix their credit history is not so simple. I Recently learned that they are malicious debtor. And don't pay a respected financial institution for more than two years. It turned out that quite by accident: I needed a small loan and I decided to use the payroll services of the Bank. That the loan will approve, no doubt, because the loan amount was small, covering her literally through two-three salaries. But I refused. The reason, of course, no one voiced (bankers to do it are not required). However, one of the employees hinted that I'm not all right with credit history. If not for that, I never would have learned about the debt...

In Russia about the prenup, try not to think about it. Although it not only allows you to save acquired before marriage property but also to protect one spouse from the threats from the banks. Let us examine why the conclusion of the marriage contract there is no shame and Mercantile. the first Reason. Mortgage the First reason is pain. More precisely, credit for housing. Wife's parents helped with the down payment, but pay the loan her husband. Who gets the apartment in the divorce? Each at 50%. Rightly or wrongly, you decide, or the court. To avoid problems during the division of property and payments on the loan, list all the conditions in advance in the marriage contract. The Bank may insist on drawing up a marriage contract in which the owner will be...

In the mobile application Sberbank now has a money transfer along with "postcards". Heroes such money "postcards" were Winnie the Pooh, the wolf from "Nu, pogodi!"... pop stars of the 90s. In life there is a place to "fairy Tale" From October 1, users of the mobile application Sberbank Online for the iPhone and Android is now available a new feature — cash "postcard." Now the people in the "dialogues" of application "Sberbank Online" can send a visual "message". Animated and voiced the image to which the sender makes a wish and the transfer. Currently, clients have access to a "card" with the image of heroes of the cartoon "Winnie the Pooh and all-all-all", "Nu pogodi!", the popular fairy tales of old Soviet postcards and re-remastered clips of the 90-ies...

Reader Banks.ru shared the story of how he unexpectedly became a millionaire with the sign minus. Banks.ru versed in the mysterious history of 42 million rubles. "This actions of the investigators." ...on Monday the inhabitant of Saratov Dmitry Sharapov put into the account in Sberbank of 6 thousand rubles but is FREE funds saw a message that his balance is nil. Logging into my account to understand what the matter was, he couldn't believe his eyes. "I went to my account and saw that my account minus 42 million rubles. How could this happen? And my personal money, about 10 thousand rubles, was either written off, or blocked," — he is perplexed. At the Bank, he was informed that the arrest imposed on the account by definition Gagarinskaya Interdistrict...

Oil rises in price, while the Finance Ministry is not buying the currency in the market. Perhaps now is the best time for your personal foreign exchange intervention. To the end of the year the ruble will continue to strengthen, the ruble may return to fundamental values, the absence of Central Bank purchases currency on the market may lower the dollar below 64 rubles. Another portion of the forecasts of the Minister of economic development Maxim Oreshkin has not helped the national currency. Since the beginning of the week the dollar rose to 1 ruble 34 kopecks, and the Euro gained a little more than a ruble. It did not help growing oil: 3 Oct the price of a barrel Bernt broke below $ 86. "Every day, without any haste, gives us the forecast." — joking...

In late September it became known that the Central Bank has identified three existing Bank, which spoils the credit history of the Russians. Banks.ru decided to find out who and how could tarnish the financial reputation of the Russians. to Spoil, to keep no One will talk about the client better than his credit history. By law, any fact financial biography of the Russian recorded and stored for ten years since the last change. Access to credit services now have more than 70% of the adult population, estimated in the CBA. So, the credit Bureau provides data about the hundreds of millions of customers. It would be naive to assume that the system has no errors, but in the case of credit histories the slightest inaccuracy can ruin the life of the client for...

On 11 October for the first time since 2010, are changing the cryptographic keys for the protection of the Internet. They serve to protect the domain name system ( DNS). Than it threatens us and the Internet? What is the "beast" is the DNS? in order to understand what will change on 11 October, need to get back to basics. So, what is DNS? It is the abbreviation of Domain Name System the domain name system. In our case, it is important to understand that this system is used to determine the IP address that you want to redirect the user. That is, the user enters the website address is the DNS query from the client to the server, the answer to that comes the IP address of the website where client should be redirected to. Why do introduced keys once upon a...

Banks face recognition technology emotions to increase sales. Will we have to learn to follow the face, so as not to become target of "salespeople"? How much better will be the sale if during the conversation with the client Manager will understand that he is dissatisfied with the service? Banks is not enough to get into the wallet of the client, they are going to understand that in his mind. "If the client is especially happy, it is possible to sell something" ROSBANK began to experiment with the technology of emotion recognition customers using neural networks, told the conference "Strategy of retail business — 2019", the head of research and experiences of ROSBANK Hope Zatonsky. "On the employee's worksite is installed the camera, she leads the video...

You bought a car on credit, pay the Bank every penny and seems to legitimately consider a car as their. But in vain — the Bank may have their own types on your property. "We can't take your car: it pledged to the Bank" In 2013 when buying a car, Victor P. entered into a loan agreement with one solid and respected regional Bank. So respected that it has grown to the Federal level. Two years later, Victor has fully paid the loan and closed the contract for all the rules: got help, the Bank took the vehicle passport (PTS). two years later the Bank suddenly withdrew the license that did not care about Victor, he's already successfully completed all relations with the credit institution. He just quietly glad that prematurely closed the loan and did now was not...

Hyperinflation of the early 1990s demonstrated the fallacy of opposition to financial stability and economic growth. The current crisis puts this issue again. September 21 marks 25 years since the signing of Boris Yeltsin's decree No. 1400, which opened the final stage of the crisis of dual power, 1991-1993. As a rule, those events are analyzed in the context of the confrontation between the President and the Supreme Soviet ended a small civil war on the streets of Moscow on 3-4 October 1993. However, political conflict was also an economic component: the beginning of the 1990s — a time of struggle not only of the Executive and legislative branches of government, but also of the Ministry of Finance and the Central Bank, and multidirectional action which...

In Soviet times, the financial power in the family often belonged to the woman, but was not a reward but a burden. Now more and more families choose separate budget. As money depend on family relationships? In Russian families mostly made jointly manage finances. Decisions on large purchases tend to take men, and your daily spending control women. the Total budget of the trust between spouses? "According to our survey, 50% of family financial decisions are made jointly. If you have a potentially controversial situation, one third reserves the right of final decision for the woman, one third for a man, and another third of respondents cannot decide, the husband and wife pass the buck to each other. Decisions on everyday purchases take mostly women, and with...

Card installments already changed the POS-crediting market in the future two to three years can kannibalisierung other credit products. That's the conclusion reached by the participants of the round table Banks.ru "Card installment: alternative or new market?". "This shifting from one basket to another" In August there was a sharp increase in the issuance of credit cards, and this is due to the fact that the big players began to replace the usual POS credit card installments, Executive Director, head of Department of development of Bank products of Bank "Renaissance Credit" Dmitry Kurganov. "with regard to the POS-lending, the issuers substitute one tool by another. Instead of the usual POS-credits began to make these installments. This led to the fact that...

The US Stock market at its peak and more and more experts predicting the imminent crisis. Should we believe their forecasts and to get rid of dollar-denominated assets? America is at a maximum the Us stock market continues to break records. Last week's historic high have updated the Dow Jones Industrial, up to 22 650 points. Other stock market index — S&P 500 also jumped over 2 940 points, showing that the limit of growth has not been reached. the US Market is growing almost ten years, and the end of this, it seems, is not expected. The tone is set by technology companies: they are more like investors, and here are the main flows of money. According to Bank of America Merrill Lynch, global investment funds in us assets — from debt to shares — by...