Candidate of Economic Sciences, Rambler’s financial analyst Mikhail Belyaev assessed in a conversation with “Tape.ru” the initiative of the Central Bank (Central Bank) on the introduction of a mandatory amount of the return of money to the victims of fraudsters.
In the situation of growth in the number of fraud, the economist found the initiative of the Central Bank of Praise, however, it was particularly important mechanism for its execution, and there is a number of issues to law enforcement, for example, how to identify fraudsters.
“As a rule, fraudsters are covered with various favorable legal reasons, and we see that the court even sometimes finds it difficult to identify them as scammers. Why? When people fall into these fraudulent schemes, it is often furnished as voluntary actions of the citizen himself. Like them The motivation was affected, it does not matter whether it is a legally almost elusive option. It turns out that a person almost voluntarily agreed to participate in this scheme, which means that there can be no legal grounds, “said Belyaev.
The second, and the most important question, the economist notes, this is where the Central Bank is to collect sources to compensate for the funds stolen by fraudsters. “Even if you catch a fraudster, it turns out that he already has a zero balance, and he has no money. Create some additional fund how to guarantee deposits? But for these banks, they first pay, form this fund for deposit insurance agency first. (QA), and from it already as from the tank is drawn. Here – where did these funds from the budget, from the inspection funds, still from somewhere? ” – drew the attention of Belyaev.
The economist believes that to prevent fraudulent operations, the Central Bank should work closely with law enforcement agencies and strengthen its supervisory functions to learn how to recognize and stop the actions of fraudsters in the early stages. Belyaev also noted that the financial literacy of the population is best reduced to a significant reduction in the number of fraudulent write-offs. “The Central Bank and the Ministry of Finance, and all involved public organizations, need to double and triple their efforts in the field of financial literacy (although they are now considerable) so that the population understood where fraudulent schemes,” he concluded.
Earlier it became known about the proposal of the Central Bank to make changes to the 161-FZ “On the National Payment System” to simplify the procedure for the return of funds to citizens affected by the fraudulent operation, in the amount of the amount that the Bank of Russia will determine. According to the regulator, for the third quarter of 2021, fraudsters have kidnapped in customers of Russian banks more than 3.2 billion rubles, which is 18.5 percent more than a year ago. At the same time, banks returned to customers only 7.7 percent of the stolen funds, that is less than 250 million rubles.