you have accumulated a small amount.These funds are intended for the purchase, such as an expensive travel, car or on a rainy day.You did not originally plan to invest these funds.
All funds you put on the card account or deposit and want to provide the best security savings.The state provides a mechanism for deposit insurance.Let's see, what guarantees you can offer and sensibly analyze them.
insurance of bank deposits in Russia today
Deposit insurance legislatively defined more than one hundred countries around the world - is a specially crafted fund, producing a rapid disbursement of funds from the deposit.Moreover, it is done when, for whatever reasons, revoke the license of the institution.Thus, to get money in the case of bankruptcy of a financial institution, you do not have to wait for the completion of all legal procedures, related to bankruptcy.State insurance of bank deposits - similar insurance fund.
turn to the legal side of the issue.The Russian Federation has a number of laws designed to regulate the insurance of bank deposits.Federal law entered into force relatively recently - in December 2003, after approval by the Federation Council.The principles laid down in the framework of this document: a licensed banking institutions are required to pay premiums, the maximum reduction of the risk of the depositor, transparency of action, funds are accumulated at the expense of contributions of banks.By law, an insured event occurs at the time of cancellation of the license of the institution, or when to impose a moratorium on payments to creditors.
the purpose of the regulation and control system established a state Deposit Insurance Corporation - DIA.Deposit insurance is made in the "default", only for retail deposits (accounts of persons in the legal status of IP are not provided).The subtlety is that the maximum amount of deposit insurance - 700 000 rub.But there is a nice nuance to the contributor - if the savings exceed the amount of the remaining part can be stored in another bank, where you will be able to rely on the payment of the DIA.Deposit insurance applies to a list of deposits falling under the protection of: time deposits, and demand deposits (foreign currency deposits are not an exception), the so-called current account attached to the card.It is necessary to take into account the time that fear and accrued interest
procedure for obtaining insurance compensation
If still a credit institution has gone "to the bottom" You will need to apply to the State Corporation Deposit Insurance Agency.Deposit insurance provides for the applicant of the following documents:
1. completed application for payment in the form, which is defined by the DIA.
2. The document (ID card, license and so on) on the basis of which a contract was signed with the mountain-bank (document details must be entered in the register of the bank).If for some reason you made the change document is always necessary to inform the bank.
When you receive documents issued by the receipt of the insurance amount to be paid.Timing of insurance compensation - 3 days.But there must be at least two weeks from the date when the banking institutions revoked license.
Conclusion
listed only general points when obtaining insurance reimbursement.But it is worth noting that in the event of a mass collapse of the banking system should not rely on the DIA.Deposit insurance is relatively young and fragile institution, according to the 2011 fund is "only" 153 billion rubles, while the volume of deposits of citizens of the Russian Federation exceeded 10 trillion rubles.
