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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