Отказ от наличных: новая прозрачность или новый тоталитаризм

Отказ от наличных: новая прозрачность или новый тоталитаризм

Правовые аспекты перехода к безналичной экономике и последствия полного отказа от наличных денег обсудили эксперты на площадке VII Петербургского Международного Юридического Форума, сообщает пресс-служба Форума.Модератором дискуссии выступил руководитель практики административного права и законотворчества АБ «Егоров, Пугинский, Афанасьев и партнеры» Станислав Пугинский. В обсуждении приняли участие генеральный советник Mastercard в Европе Тибо Грегуар, руководитель кафедры «Финансы, платежи и электронная коммерция» Московской школы управления «Сколково» Евгений Плаксенков, исполняющая обязанности декана юридического факультета — заведующая кафедрой гражданского права юридического факультета Санкт-Петербургского государственного университета Наталья Рассказова и заместитель директора Департамента регулирования расчетов Банка России Андрей Шамраев.Как отметил модератор Станислав Пугинский, переход к безналичной экономике является естественным, однако несет ряд существенных рисков. Так, одним из них является уязвимость  систем безналичных расчетов перед атаками хакеров. Однако, подчеркнул эксперт, к отказу от наличных государству необходимо стремиться. «Очевидно, что сохранение наличного денежного оборота в нынешнем объеме – не выход, так как несет издержки для государства, тормозит рост благосостояния и снижает собираемость налогов», — пояснил адвокат.Станислав Пугинский напомнил, что Правительством Российской Федерации в настоящий момент рассматривается программа «Цифровая экономика», одной из задач которой является переход на безналичные расчеты. «Это одно из направлений, которое может стать реальным драйвером роста российской экономики», — отметил эксперт.Руководитель кафедры «Финансы, платежи и электронная коммерция» Московской школы управления «Сколково» Евгений Плаксенков указал на то, что, по данным Центрального банка РФ, количество банковских карт давно превышает количество жителей России, и прирост продолжается. «Платежная отрасль – та, которая продолжает расти на протяжении всех лет великого финансового кризиса, и это тот росток, который ни в коем случае нельзя загубить. Рост объемов платежей по безналичным транзакциям в России составил в 2016 году в зависимости от региона 15-30 процентов», — сказал он.По словам Евгения Плаксенкова, для развития безналичной экономики необходимо эволюционное движение по пяти «осям»: регулирования, инклюзивности, финансовой грамотности, конкуренции и создания новой инфраструктуры. «Не ограничения, не ужесточения, не запреты, а создание мер стимулирования и программ лояльности позволят новой экономике не приобрести черты тоталитаризма», — подчеркнул эксперт.Генеральный советник Mastercard в Европе Тибо Грегуар рассказал, что в мире только 15% розничных платежей осуществляются через безналичные системы расчета, пока что подавляющее большинство людей платит наличными. Чтобы изменить эту тенденцию, по мнению эксперта, необходимо – в том числе и на государственном уровне – заниматься образованием населения, стимулировать плательщиков отказываться от наличных денег, укреплять доверие к безналичным системам. «Надо надлежащим образом совмещать эти инструменты», — считает Тибо Грегуар.Заместитель директора Департамента регулирования расчетов Банка России Андрей Шамраев отметил, что количество карт, находящихся в обороте в России, говорит о европейском уровне развития безналичных систем оплаты в нашей стране. Речь идет о 254 миллионах карт,  то есть на каждого трудоспособного гражданина России приходится более двух банковских карт. Андрей Шамраев также рассказал о планах по внедрению национальной платежной системы «Мир». По словам специалиста, новыми картами в первую обеспечат сотрудников бюджетной сферы, а затем пенсионеров. Также он отметил, что платежная система не будет привязана к какому-либо одному банку. При этом, подчеркнул эксперт, государство не планирует навязывать гражданам использование национальной платежной системы «Мир».Национальная платежная система «Мир» и нюансы ее внедрения вызвали множество вопросов у аудитории.  Как отметила исполняющая обязанности декана юридического факультета Санкт-Петербургского государственного университета Наталья Рассказова, именно в дискуссии профессионального сообщества рождаются новые нормы, к которым относится внедрение и применение новой безналичной системы.В завершение дискуссии модератор Станислав Пугинский поблагодарил участников обсуждения и назвал состоявшийся разговор интересным и содержательным. «Проблемы, которые здесь поднимались, носят фундаментальный характер, и, думаю, будут поводом для обсуждения на следующих форумах», — заключил юрист.  

Источник: zakonia.ru

104 комментария

What i do not understood is actually how you’re not actually much more well-liked than you might be now. You’re very intelligent. You realize therefore considerably relating to this subject, produced me personally consider it from a lot of varied angles. Its like women and men aren’t fascinated unless it is one thing to do with Lady gaga! Your own stuffs nice. Always maintain it up!

The very heart of your writing while sounding agreeable originally, did not really work very well with me after some time. Someplace throughout the sentences you actually managed to make me a believer unfortunately only for a short while. I nevertheless have a problem with your jumps in logic and one might do nicely to fill in those breaks. In the event that you can accomplish that, I would surely end up being impressed.

Hiya, I’m really glad I’ve found this info. Today bloggers publish just about gossips and internet and this is actually annoying. A good website with exciting content, that is what I need. Thanks for keeping this site, I will be visiting it. Do you do newsletters? Can not find it.

Usually I do not learn article on blogs, but I wish to say that this write-up very compelled me to try and do so! Your writing taste has been surprised me. Thanks, very great post.

Thank you for another informative web site. Where else could I get that kind of information written in such an ideal way? I’ve a mission that I’m just now operating on, and I have been on the look out for such info.

After study a few of the blog posts on your website now, and I truly like your way of blogging. I bookmarked it to my bookmark website list and will be checking back soon. Pls check out my web site as well and let me know what you think.

Hi, i feel that i noticed you visited my site thus i got here to “go back the desire”.I’m trying to in finding things to improve my website!I suppose its adequate to use a few of your ideas!!

Great blog here! Additionally your website rather a lot up fast! What web host are you the use of? Can I am getting your affiliate hyperlink on your host? I want my web site loaded up as fast as yours lol

Whats Going down i am new to this, I stumbled upon this I have found It absolutely useful and it has aided me out loads. I’m hoping to contribute & help different users like its aided me. Great job.

Thanks for ones marvelous posting! I truly enjoyed reading it, you’re a great author.I will always bookmark your blog and definitely will come back someday. I want to encourage you to definitely continue your great posts, have a nice weekend!

My brother suggested I might like this web site. He was entirely right. This post actually made my day. You cann’t imagine just how much time I had spent for this info! Thanks!

A formidable share, I just given this onto a colleague who was doing somewhat analysis on this. And he in truth purchased me breakfast because I discovered it for him.. smile. So let me reword that: Thnx for the treat! But yeah Thnkx for spending the time to debate this, I feel strongly about it and love reading extra on this topic. If attainable, as you turn into expertise, would you mind updating your blog with more particulars? It is extremely helpful for me. Large thumb up for this blog publish!

Great post. I was checking continuously this blog and I’m impressed! Extremely helpful info particularly the last part 🙂 I care for such info a lot. I was seeking this particular information for a very long time. Thank you and good luck.

Wonderful work! That is the type of information that should be shared across the internet.
Shame on Google for no longer positioning this submit higher!
Come on over and discuss with my website .
Thanks =)

Together with the whole thing which appears to be building inside this particular area, your points of view are relatively radical. Nevertheless, I beg your pardon, because I can not subscribe to your entire theory, all be it refreshing none the less. It would seem to us that your opinions are not totally rationalized and in reality you are generally your self not really wholly certain of your assertion. In any event I did take pleasure in examining it.

I have been browsing online more than three hours lately, yet I by no means found any fascinating article like yours. It is lovely worth enough for me. In my view, if all web owners and bloggers made excellent content as you did, the net will probably be much more useful than ever before. «No nation was ever ruined by trade.» by Benjamin Franklin.

Hmm it looks like your site ate my first comment (it was extremely long) so I guess I’ll just sum it up what I wrote and say, I’m thoroughly enjoying your blog. I as well am an aspiring blog writer but I’m still new to the whole thing. Do you have any recommendations for first-time blog writers? I’d definitely appreciate it.

Do you mind if I quote a couple of your articles as long as I provide credit and sources back to your weblog? My website is in the very same area of interest as yours and my users would really benefit from some of the information you provide here. Please let me know if this ok with you. Thanks!

Уведомление: parlay 10ribu

Thank you so much for giving everyone an extraordinarily splendid possiblity to read from this site. It is always very superb and also stuffed with a good time for me personally and my office fellow workers to visit the blog on the least three times every week to find out the fresh things you have. And of course, we are always motivated with all the incredible tips and hints you give. Some 4 tips in this posting are definitely the simplest I have ever had.

Good post. I be taught one thing more difficult on totally different blogs everyday. It is going to at all times be stimulating to learn content from different writers and practice a little something from their store. I’d prefer to use some with the content on my blog whether or not you don’t mind. Natually I’ll offer you a hyperlink in your internet blog. Thanks for sharing.

Hiya, I am really glad I’ve found this information. Today bloggers publish only about gossips and net and this is actually annoying. A good blog with interesting content, this is what I need. Thank you for keeping this web-site, I’ll be visiting it. Do you do newsletters? Can not find it.

Can I simply say what a reduction to find somebody who truly knows what theyre talking about on the internet. You undoubtedly know how one can bring a problem to gentle and make it important. More people must learn this and perceive this aspect of the story. I cant believe youre not more fashionable because you positively have the gift.

Hi, Neat post. There’s an issue with your web site in web explorer, could test thisK IE still is the marketplace chief and a good component of folks will pass over your great writing due to this problem.

You really make it seem so easy with your presentation but I find this topic to be actually something which I think I would never understand. It seems too complicated and very broad for me. I am looking forward for your next post, I will try to get the hang of it!

Good post. I learn one thing tougher on totally different blogs everyday. It can at all times be stimulating to read content material from different writers and follow slightly one thing from their store. I’d choose to make use of some with the content on my blog whether you don’t mind. Natually I’ll give you a hyperlink in your web blog. Thanks for sharing.

Thanks for another excellent post. Where else could anybody get that kind of info in such an ideal way of writing? I’ve a presentation next week, and I am on the look for such information.

Oh my goodness! a tremendous article dude. Thanks Nonetheless I’m experiencing issue with ur rss . Don’t know why Unable to subscribe to it. Is there anybody getting identical rss problem? Anybody who is aware of kindly respond. Thnkx

This blog is definitely rather handy since I’m at the moment creating an internet floral website – although I am only starting out therefore it’s really fairly small, nothing like this site. Can link to a few of the posts here as they are quite. Thanks much. Zoey Olsen

It’s appropriate time to make a few plans for the long run and it is time to be happy. I’ve read this publish and if I may just I desire to suggest you some attention-grabbing things or tips. Maybe you could write next articles relating to this article. I want to read more issues about it!

I was very pleased to find this web-site.I wanted to thanks for your time for this wonderful read!! I definitely enjoying every little bit of it and I have you bookmarked to check out new stuff you blog post.

You are my aspiration, I own few blogs and infrequently run out from brand :). «Follow your inclinations with due regard to the policeman round the corner.» by W. Somerset Maugham.

certainly like your web site but you have to test the spelling on quite a few of your posts. Many of them are rife with spelling problems and I in finding it very bothersome to tell the truth nevertheless I will certainly come back again.

Hi, Neat post. There is an issue along with your website in internet explorer, would test this… IE nonetheless is the marketplace leader and a large element of folks will miss your fantastic writing because of this problem.

I feel that is one of the so much significant info for me. And i am satisfied studying your article. But wanna observation on few normal issues, The site style is ideal, the articles is actually excellent : D. Excellent process, cheers

Hi there very nice website!! Guy .. Beautiful .. Amazing .. I will bookmark your site and take the feeds alsoKI am satisfied to find a lot of useful information here within the post, we need develop extra techniques in this regard, thank you for sharing. . . . . .

I’ll immediately clutch your rss feed as I can’t find your email subscription hyperlink or e-newsletter service. Do you have any? Kindly allow me recognise so that I may subscribe. Thanks.

I would like to thnkx for the efforts you have put in writing this blog. I am hoping the same high-grade blog post from you in the upcoming as well. In fact your creative writing abilities has inspired me to get my own blog now. Really the blogging is spreading its wings quickly. Your write up is a good example of it.

Добавить комментарий

*

16 + 16 =