В России могут ввести запрет на взимание банковской комиссии за внутрибанковские денежные переводы

Елена Самтынова

В России могут ввести запрет на взимание банковской комиссии за внутрибанковские денежные переводы
HayDmitriy / Depositphotos.com

Правительство РФ подготовило законопроект, предусматривающий внесение изменений в Федеральный закон от 2 декабря 1990 г. № 395-I «О банках и банковской деятельности» (далее – Закон № 395-I).

В частности, предлагается дополнить ст. 29 Закона № 395-I, устанавливающую права и обязанности банков по определению размеров процентных ставок и комиссионного вознаграждения. Новая норма может избавить граждан от необходимости оплаты комиссии за денежный перевод между разными подразделениями в разных регионах одного и того же банка.

Как следует из пояснительной записки к тексту проекта закона, филиалы конкретного банка входят в его единую систему, и переводы клиентов – физических лиц между счетами, открытыми в территориальных подразделениях разных регионов, являются обычными внутренними банковскими переводами. Они не создают добавленной стоимости, и кредитная организация тем самым не оказывает гражданам какой-либо дополнительной услуги. Разработчики законопроекта отмечают, что установление комиссии за переводы в пределах Российской Федерации указывает на межрегиональную дискриминацию потребителей банковских услуг, которую необходимо устранить внесением соответствующих изменений в закон.

В числе позитивных перемен от принятия законопроекта1 авторы видят:

свободное перемещение денежных потоков за счет послаблений требований; развитие системы безналичных платежей; прекращение практики дискриминационного подхода при осуществлении банковских услуг; стимулирование кредитных организаций к совершенствованию бизнес-процесса в целях улучшения качества предоставляемых услуг.

Данные изменения направлены на обеспечение единства экономического пространства, подчеркивается в пояснительной записке.

Кроме того, в сентябре сего года на рассмотрение Госдумы внесен законопроект2 о внесении изменения в Закон № 395-I, предусматривающего запрет на взимание с держателей платежных карт комиссии по операциям, осуществляемым между кредитной организацией, выпустившей платежную карту, и иной кредитной организацией. В данный момент он находится на рассмотрении Комитета Госдумы по финансовому рынку.

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1 С текстом законопроекта № 813620-7 «О внесении изменений в статью 29 Федерального закона «О банках и банковской деятельности» и материалами к нему можно ознакомиться на официальном сайте Госдумы. 2 С текстом законопроекта № 798527-7 «О внесении изменений в Федеральный закон «О банках и банковской деятельности» в части регулирования комиссионного вознаграждения по отдельным операциям кредитных организаций» и материалами к нему можно ознакомиться на официальном сайте Госдумы.

Источник: garant.ru

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Я восхищен тем, как автор умело объясняет сложные концепции. Он сумел сделать информацию доступной и интересной для широкой аудитории. Это действительно заслуживает похвалы!

The core of your writing while sounding reasonable originally, did not settle well with me personally after some time. Someplace throughout the sentences you managed to make me a believer unfortunately only for a while. I however have a problem with your leaps in logic and you would do nicely to fill in all those gaps. In the event that you can accomplish that, I will undoubtedly end up being amazed.

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Я прочитал эту статью с большим удовольствием! Она написана ясно и доступно, несмотря на сложность темы. Большое спасибо автору за то, что делает сложные понятия понятными для всех.

Я хотел бы выразить признательность автору этой статьи за его объективный подход к теме. Он представил разные точки зрения и аргументы, что позволило мне получить полное представление о рассматриваемой проблеме. Очень впечатляюще!

Статья предлагает разнообразные точки зрения на тему, предоставляя читателям возможность рассмотреть различные аспекты проблемы.

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Эта статья — настоящий кладезь информации! Я оцениваю ее полноту и разнообразие представленных фактов. Автор сделал тщательное исследование и предоставил нам ценный ресурс для изучения темы. Большое спасибо за такое ценное содержание!

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When I initially commented I clicked the «Notify me when new comments are added» checkbox and now each time a comment is added I get three e-mails with the same comment. Is there any way you can remove me from that service? Cheers!

When I originally commented I clicked the -Notify me when new comments are added- checkbox and now every time a remark is added I get four emails with the same comment. Is there any method you’ll be able to take away me from that service? Thanks!

The root of your writing whilst sounding reasonable at first, did not really settle very well with me personally after some time. Someplace within the paragraphs you actually were able to make me a believer but just for a very short while. I however have a problem with your jumps in assumptions and one would do well to fill in all those gaps. If you actually can accomplish that, I could definitely be impressed.

Thanks for the tips you have provided here. Something else I would like to talk about is that laptop memory demands generally go up along with other developments in the technologies. For instance, as soon as new generations of processors are made in the market, there is usually a similar increase in the shape calls for of both the computer system memory along with hard drive room. This is because the software program operated simply by these cpus will inevitably surge in power to make use of the new technology.

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Another issue is that video games usually are serious anyway with the key focus on knowing things rather than enjoyment. Although, there’s an entertainment part to keep your young ones engaged, just about every game will likely be designed to work on a specific group of skills or course, such as mathematics or scientific research. Thanks for your post.

In the awesome scheme of things you’ll get a B+ just for hard work. Where you actually misplaced us was first in your specifics. You know, people say, details make or break the argument.. And that could not be much more correct right here. Having said that, allow me tell you just what exactly did deliver the results. Your authoring is actually very engaging and this is most likely why I am making an effort in order to opine. I do not make it a regular habit of doing that. Second, whilst I can certainly see the leaps in reason you come up with, I am definitely not confident of how you appear to unite the ideas which make the actual conclusion. For now I shall yield to your position however hope in the foreseeable future you actually link the facts much better.

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I have realized that over the course of developing a relationship with real estate managers, you’ll be able to get them to understand that, in most real estate exchange, a commission is paid. Eventually, FSBO sellers tend not to «save» the payment. Rather, they struggle to earn the commission by means of doing a great agent’s work. In doing this, they invest their money as well as time to complete, as best they will, the tasks of an agent. Those obligations include uncovering the home via marketing, delivering the home to buyers, building a sense of buyer desperation in order to make prompt an offer, organizing home inspections, dealing with qualification investigations with the financial institution, supervising maintenance, and facilitating the closing of the deal.

One thing I’d really like to say is the fact that before purchasing more laptop memory, look into the machine in to which it will be installed. In the event the machine is usually running Windows XP, for instance, the actual memory limit is 3.25GB. Putting in in excess of this would merely constitute some sort of waste. Make sure one’s mother board can handle the actual upgrade volume, as well. Great blog post.

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Howdy just wanted to give you a quick heads up and let you know a few of the images aren’t loading correctly. I’m not sure why but I think its a linking issue. I’ve tried it in two different internet browsers and both show the same outcome.

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In line with my observation, after a in foreclosure process home is available at a sale, it is common for that borrower in order to still have any remaining unpaid debt on the mortgage loan. There are many loan merchants who try and have all charges and liens paid back by the next buyer. Nevertheless, depending on a number of programs, regulations, and state legislation there may be a few loans that are not easily solved through the exchange of lending products. Therefore, the obligation still falls on the borrower that has got his or her property in foreclosure process. Many thanks sharing your notions on this web site.

Write more, thats all I have to say. Literally, it seems as though you relied on the video to make your point. You obviously know what youre talking about, why throw away your intelligence on just posting videos to your blog when you could be giving us something informative to read?

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