Now the market koehne auto of MFIs is 45 billion rubles, this segment koehne auto - one of the fast

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In the financial market there counterparts in large microfinance institutions that attract koehne auto funds citizens in the amount of 30 thousand. Rubles at high interest rates. This is stated in the materials of the Central Bank, which is under the control of the MFI switched September 1, 2013 - as part of a mega-regulator. According to the source close to the Bank of Russia, about a thousand companies are illegal game, using in its name the phrase "microfinance institutions", those not being. By law, MFIs have the right of individuals to raise funds in the amount of 1.5 million rubles.
Doubles MFIs (copy the names of existing mikrofinansistov) under the supervision of the Central koehne auto Bank are not, so the Central Bank can not apply to them the sanctions, says the regulator. Therefore, the Central Bank encourages citizens to look for an organization in the register of MFIs on the Bank of Russia. In the case of offenders inform the Central Bank asks its services to protect the rights of consumers of financial services and the minority shareholders.
The MFI MoneyMan Izvestiya" was told that in 2014 the company has identified numerous cases of illegal use of its name, logo, artwork to raise funds citizens. Fraudsters have used the symbolism of companies on their websites that are not related to real MFI.
- Fun, under the guise of our name, lured money from people, - stated in the company. - First of all, the scam artists were collecting contributions from individuals, ensuring multiply the money. Most often in such cases, it offers up to 50% per day for deposits, koehne auto which in itself is not possible. In addition, the attackers asked to submit personal data of the customer via SMS or email. Also asked to send money for the delivery of any prize. Fraudsters, creating websites, forgery, often lured Login MFI clients to access their personal account. We will never attract koehne auto money from people koehne auto who do not ask to confirm koehne auto anything by SMS, and also to pay for delivery of the prize won.
Now the market koehne auto of MFIs is 45 billion rubles, this segment koehne auto - one of the fastest growing koehne auto financial markets. Each year, he adds in the amount of ten percent. Most of the funds MFIs have thanks to the contributions of founders - they are an average of 48%, the share of bank funds and other professional participants - 45%, while deposits of individuals accounted for only about 7%. According to estimates by Andrei Paranichev, director of the association mikrofinansistov "Mir" (SRO NP "The World"), in "deposits" MFI attracted 2.5 billion rubles (compared with bank deposits - more than 16 trillion rubles).
The main activity of the MFI - loans to private koehne auto individuals, small and medium-sized businesses in the amount of up to 1 mln., As a rule, at high interest rates - they reach 1-2% per day. To finance these operations and used funds of the founders, loans are placed bonds and attract funds of individuals. MFI Act limits the minimum deposit amount from one person to the sum of 1.5 million rubles. For attracting smaller deposits of MFIs are excluded from the registry. So, it was excluded from the register of "Kreditor" and "Karond-Kazan", which attracted funds from the public on the 30 th. Rubles. Investments in MFI conducted through a standard loan agreement where the borrower is the mikrofinansist and the lender - a citizen. The rate of the loan is usually fixed for the entire term of the contract. The interest rate on the loan agreement from an individual can only be changed by mutual consent by signing additional agreement.
Now MFIs offer investments for a period of several months to several years at 16-25% per annum. This income, in contrast to bank deposits is subject to personal koehne auto income tax at the rate of 13%. So from recorded in the contract 16-25% per annum will be 14-22%. But this is much more than a bank (the maximum rates on deposits with credit institutions - around 11% per annum). However, investments in MFIs, unlike bank deposits, are not insured by the Deposit Insurance Agency, they are insured by insurance companies. The pseudo-MFIs, of course, nothing koehne auto is insured.
- In fact pseudo-MFIs - a pyramid schemes, - said Paranichev. koehne auto - To deal with them can only prosecutors. However, it begins to take are any