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Business / Finance

Banki.ru: themes of the day

Banking and financial news on the website Banki.ru

Found 418 items

Depends on whether the level of happiness from what financial products do we use? Social psychology says it is. the Feeling of happiness has mostly to do with anticipation than with the possession and use of loans deprives this sense, it is argued in research on economic psychology. "The use of credit saves us from anticipation, which is the source of happiness. Studies say that the pleasure of anticipation of purchase are often more than a fun fact. When we succumb to momentary desires, we lose the happiness, and in society it is becoming less," — says in the course of the HSE "Economic psychology", presented at the platform of "open education", the teacher of Evgeny Kravchenko. Accordingly, if to save money on the purchase, it is possible to prolong the...

Low wages in Russia is not only bad for citizens, but also for the economy as a whole. don't live well, nothing to start 10% of working Russians consider that their salary in 2019 will fall. Informed pessimists was only 5%. These are the results of a nationwide survey conducted by the Analytical center NAFI in December 2018. While more than half of Russians — 53% — believe that the salaries will remain the same. They actually can also be attributed to the pessimists: it will not change their salary, which is low. Moreover, which remains low for many years. the Average salary in Russia in the first half of 2018 (data for the entire year, Rosstat has not yet published) was 42 550 rubles per month. In terms of $ 676 dollars (at the average exchange rate for...

So-called mobile slavery abolished long ago. Now we can easily change to another operator while retaining his number. Sounds great! But unfortunately, in practice this is far from over. And for some subscribers, on the contrary, transferred to another operator without their knowledge. Let us understand how this happens and what to do in such cases. the Statement does not hold... but it also keeps a the Service of porting the number from one operator to another is quite popular in Russia. This is not surprising: after all, it can significantly save time and money by choosing the offer without regard to brand. "According to ZNIIS, for the duration of MNP (from the English. mobile number portability — mobile number portability. — Approx. Banks.ru) served 22.4...

More and more banks offer cards with interest on the account balance, as customers do not agree to take plastic without this option. What to look for when selecting such a product and will replace if the revenue card deposits? To new and active customers In the section "Debit card" a portal Banks.ru you can find more than 400 proposals on cards with interest on the balance. The level of interest rates can be comparable to the yield on deposits. for Example, the home Credit Bank has recently launched a campaign to map "Use": new customers can get up to 10% on the balance in the first three months of the contract, next — up to 7% on the balance. A similar proposal at the rate of 10% per annum have Loko-Bank. On average, interest rates for account balance are...

The Russians are willing to do better if they increase the salary at least in half. Should we believe these promises? (Spoiler: no!) money in the Morning — evening chairs 43% of Russians are ready to improve their productivity and to work harder if they are substantially — half to two times will increase the salary. These are the results of a survey conducted at the end of 2018 NAFI. Moreover, the proportion of selfish workers has increased in the past year about this intention was reported by only 31% of respondents. But will people really work better if they will pay more? And how in General linked wages and efficiency of labor? poor performance — the scourge of the Russian economy. In "the may decrees" in 2012, President Vladimir Putin has set the task...

After the termination of the seasonal contribution, the maximum rate on retail deposits in Sberbank decreased to 5.75%. Follow any of the "green giant" other banks? Sberbank ahead of schedule terminated the seasonal contribution record for his return to 7.65% per annum. Officially receiving funds in the Deposit was terminated due to the early achievement of the business performance for this product. Now the maximum rate of retail Deposit in the savings Bank is 5.75%. Thus, according to the Central Bank, the maximum bet top 10 Russian banks on deposits at the end of the second decade of March rose to a level of about of 7.72%. Experts have linked the closure of the seasonal Deposit with the receiving Bank required this year portions of liquidity. According...

The state Duma here-here will adopt the draft law on mortgage holidays, which can simplify the lives of thousands of Russians. However, the new concessions have disadvantages for banks and for borrowers. One of the possible drawbacks of "mandatory restructuring" — tarnished credit history. the President's Proposal on mortgage holidays for Russians becomes law in record time. February 20, Vladimir Putin voiced the idea, speaking to the Federal Assembly, and on March 21, the state Duma approved the bill in the first reading. the document provides for the deferral of payments on home loans for borrowers who are in difficult life situation. While we are talking about six dysfunctional scenarios: loss of work, obtaining disability the first or second group, loss...

Now parents are pretensioner have the right to demand child support from their adult children. What to do if children don't want to pay? And whether the right to alimony "prodigal" parents? In March, the State Duma adopted in the third reading, and the President signed the law on the right of citizens approaching retirement age to receive alimony. According to the document men over the age of 60 years and women 55 years of age are entitled to child support from their adult children. What has changed with the adoption of the new law who and when is obliged to pay child support and how regulated the financial relations of parents and children — will explain below. What has changed? the message on the website of the state Duma of the Russian Federation follows...

When our cities will become "smart", the life they will be cheaper, but it will have to pay with loss of privacy. the City actively transformirovalsya, and at the heart of these transformations are technology. According to the International Data Corporation (IDC), in 2019 the cost of initiatives to create "smart cities" should be of 95.8 billion dollars. This is 17.7% more than in 2018. Most of the projects related to public safety, transportation, energy and urban infrastructure. Russian cities also tend to become "smart". The representatives of the Telecom companies say that the number of projects related to smart city, is growing. "Smart" front the"Smart city" is one of the key trends of today's development, said the head of holding "Ayr-a Telecom...

Rating Agency RAEX ("RAEKS-Analysis") prepared a study of the leasing market in Russia by the end of 2018. It was first prepared an analysis of the preferences of corporate clients, based on the practice of corporate procurement services leasing. It was possible to understand the real areas of competition, leasing companies and targets potential customers, the authors of the study. "the Total volume of the leasing market in 2018 exceeded the 1.35 trillion rubles, which was a new historical record — says General Director of rating Agency RAEX Dmitry Grishankov. — The amount of new leasing contracts at the end of last year increased by 38% and reached 1.9 trillion rubles, which allowed the leasing portfolio of the participants of the ranking to reach 3.9...

Small debts, which you might not know, forget or find that they are not worth attention, sometimes seriously complicate life. We collected stories about how small amounts become cause various troubles. the problems with the business due to unpaid. Entrepreneur has opened a Bank account for the company some time later closed the account and moved the legal entity to another Bank. Penalties remained a salary card. Service it was free, so it seemed that experience is not what it was about. But this card was connected to SMS-notification, the payment for which the Bank blamed on the past two years. Then notify the credit Bureau that the client has debt. The businessman learned of the existence of the debt, when it took credit for the company. He approached...

Attracting consumers with the help of kesbeke now engaged not only banks, but other organizations. Thus it is necessary to distinguish where the refund on the account, and where, under the guise of kesbeke you sell bonus program. Marketing idea to attract customers with the help of kesbeke spread in many areas: these are gas stations, mobile operators and retailers at different levels. Cashback can now be found in almost any area. The service became so popular that entrepreneurs have to use a big word instead of the terms "discount" or "bonus program". Thus, in various applications aggregators like "Eddie", which collect information on prices in stores suggestions kasbekar successfully coexist with a stock of goods. Or, for example, in real estate, you can...

At the beginning of the year budget revenues not related to oil and gas, grew by more than 200 billion rubles. Signals whether it is about avoiding dependence on raw materials? In January — February of this year, Federal budget revenues amounted to 2,842 trillion rubles, announced the Ministry of Finance of the Russian Federation. Oil and gas revenues for the first two months of this year amounted to 1,367 trillion rubles, and the rest of the economy has brought the budget 1,475 trillion rubles. Last year during the same period, non-oil revenues amounted to 1,245 trillion rubles, and oil and gas were less than 44 billion rubles. the Oil and gas Federal budget revenues are formed by tax on extraction of oil and gas, export duties on oil, gas and products...

The Main sources of additional income of Russian pensioners is wages, Bank deposits and rental apartments. Large Russian Bank conducted a study and found out what sources of income in addition to pensions, there are pensioners. First and foremost, wages, bonuses, premiums (22%), followed by interest on Bank deposits and accounts (20%), in third place the income from the rental property for rent (11%). Pensioners talked about the help of relatives, friends, relatives (10%), called income from business (7%), allowances from the state (5%), investment income (2%). half a million on pensioner banks say that pensioners are the largest group of depositors, and the average size of contribution from retired citizens is 500 thousand rubles. "The trend in the Deposit...

Who is to blame that the Russians were insensitive in terms of tax control? And what do the state to raise the level of tax consciousness among its citizens? "in Russia we Have no sense of the taxpayer, that is you somehow a little interested in where to spend money," — said in early March, the head of the audit chamber and former Deputy Prime Minister and Finance Minister Alexei Kudrin. And no civil society interest in how to implement national goals, it is difficult to achieve high results, he added. Who is to blame that the Russians were insensitive in terms of tax control? What distinguishes us more conscious people in other countries? And most importantly, what do the state to raise the level of tax consciousness among its citizens? Kudrin in trend...