You have accumulated a small amount. These funds are intended for purchase, like an expensive trip, a car or on a rainy day. You initially do not plan to invest these funds.
All funds you put on your card account or ondeposit and want to ensure the greatest safety for your savings. The state provides for a deposit insurance mechanism. Let's see what guarantees you can offer and reasonably analyze them.
Insurance of bank deposits in modern Russia
The system of deposit insurance is legallyis defined in more than one hundred countries of the world - this is a specially formed fund that makes quick payment of funds from the deposit. Moreover, this is done when, for any reason, the banking institution is revoked a license. Thus, in order to receive money, in case of a financial institution's ruin, you should not wait for the completion of all procedural rules accompanying bankruptcy. State insurance of bank deposits is an analogue of the insurance fund.
Let's turn to the legal side of the issue. In the Russian Federation there are a number of legislative acts designed to regulate the insurance of bank deposits. The federal law came into force relatively recently - in December 2003 after approval by the Federation Council. The principles underlying this document: licensed banking institutions are obliged to deduct insurance premiums, maximum reduction of depositor's risks, transparency of operation, funds are accumulated due to contributions of banks. According to the law, the insured event occurs when the banking institution's license is revoked or when a moratorium is introduced to pay the creditors.
In order to regulate and manage the system, astate corporation for deposit insurance - DIA. Deposit insurance is made in the "default" mode, solely for deposits of individuals (accounts of individuals in the legal status of IP are not provided). The subtlety lies in the fact that the maximum amount of deposit insurance is 700,000 rubles. But there is also a pleasant nuance for the depositor - if the accumulations exceed the amount, the remaining part can be stored in another bank, where you can count on paying out the DIA. Deposit insurance extends to the list of deposits covered by protection: term deposits and demand deposits (currency deposits are not an exception), so-called current accounts attached to plastic cards. It is necessary to take into account the fact that the accumulated interest is also insured
Procedure for obtaining insurance indemnity
In the event that after all the credit organization has gone "to the bottom" you will need to apply to the State Corporation DIA. Deposit insurance provides for the applicant to have the following documents:
1. A completed application for payment in the form determined by the DIA.
2. The document (identity card, rights and so on) on the basis of which a contract was concluded with the mountain-bank (the details of the document must be entered in the bank register). If for any reason you have made a replacement document, you should always notify the bank about it.
When receiving documents, a receipt is issued forthe insured amount payable. Terms of obtaining insurance compensation - 3 days. But it must pass at least two weeks from the moment when the banking institution has its license revoked.
Conclusion
Only common points are listed when receivinginsurance indemnity. But it is worth noting that in the event of a massive collapse of the banking system, you should not rely on the DIA. Insurance deposits are relatively young and fragile institution, according to the 2011 fund is "only" 153 billion rubles, and the amount of deposits of citizens of the Russian Federation exceeded 10 trillion rubles.
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