most likely called the creation of catalogs requirements problematic banks. Gosfinuslug also insists on the establishment of a fund to guarantee insurance payments.

in a PT was a letter with the proposals of the National Bank with respect to the problems of frozen deposits of insurers. The paper discussed four options to solve the problem.

first proposed Gosfinuslug and insurance markets, the creation of a Fund to guarantee insurance payments at the expense of the insurers in problem banks.

According to NBU, this offers a lot more minuses than pluses. The establishment of the fund is not a solution to current problems, the fund protects the property interests of policyholders in the event of bankruptcy of the UK. In addition, responsibility for the insolvent insurers would be transferred to larger and more reliable UK - Fund members - the letter reads.

In

Gosfinuslug appreciated that step NBU, but do not intend to waive their option. Well, that National Bank is willing to discuss solutions to the problem, although the meeting on the matter was still on 8 April. But NBU does not understand the essence of our proposal. Payments from the fund to be not only in the event of bankruptcy. We offered to transfer money out of problem banks in the NBU for ongoing payments. This does not increase the cost of insurers, and some of the UK will not pay for others. The scheme assumes that everyone is responsible for themselves. We offered to provide free access to the conditional guarantee funds to make funds available at any time , — Viktor Suslov told, head Gosfinuslug.

The second scenario assumes redefine the deposits of other banks in the UK, for example, in Oschadbank. But this option has many disadvantages. Likely selectivity. But most importantly, the insurers are not sure of the existence of problem banks in real resources that can be transferred to another bank.

Another option - the Ministry of Finance of the issuance of credit insurers through banks bail frozen deposits. This will lead to the revival of active transactions for the bank, but will place additional strain on the budget. Also, can the risk of the use of UK funds to pay - the letter reads.

most viable solution to the problem of the NBU consider creating card claims to problem banks. IC provides the bank, which established the interim administration, the documents on the insurance payment and the corresponding payment order.

information is stored in a card, which will be implemented and meet the requirements Ins. This option does not imply an additional burden on the budget, but a time lag between the introduction of a card and the receipt of insurance proceeds. The scheme does not apply to deposits, the repayment of which occurred before the introduction of the interim administration, - claim specialists NBU.

In general, the NBU say that the problem of the frozen deposits is not a key issue in the insolvency of the UK. Problems caused by the deployment of 6,5 billion UAH. nelistingovye in the paper and not a payment from reserves and from the new charges.

surveyed insurers agree that the most realistic option is the creation of catalogs of problem banks, but it contains many pitfalls.

This option seems very clear to understand and control. It will facilitate the work of several services settlement losses of insurance companies, because the pressure of a few disgruntled policyholders spadet. But it is necessary to set a maximum term of payment, for example, two or three months from the date of receipt of the bank package . It may be restrictions on the payment of the deposit of funds only to natural persons , - said Alena Kovaleva, SC GlavBukh Nasta.

In addition, insurers consider unacceptable restriction on the payment of the deposit, completed before the interim administration.

But the main question - if it's in problematic banks, funds for payment to insurers. If the bank has no cash flow, this card can last for months. That is why it is necessary to receive the NBU refinancing for such purposes.

In addition, we would like to see clear criteria for placement and to meet the orders of insurers in the card. It is also important that it was not just insurance, but also the possibility of paying taxes on such deposits of problem banks , - explained Alexander Zavada, President of the Ukrainian federation of insurance.

But in Gosfinuslug do not believe in this option. NBU is aware that in conjunction with the interim administration and put a moratorium on payments, and payment is required. If they were, the insurers have already paid a deposit of funds. But no one pays, the dead-end option, - said Suslov.

insurers also insist on the other scenarios, in particular, to establish a fund to guarantee. But unlike the previously proposed version of it is now proposed to establish a Deposit Insurance Fund with the participation of banks, which will be applied demands.

To cover the insurance reserves Gosfinuslug be taken into account (to require the insurers), deposits in banks that are members of such a fund, instead of claims of banks with national ratings. A claim against the bank, which may become members of such a fund, install NBU. This Fund need to insurers because there is no working tools of investment funds - Yelena Masharo suggests, vice-president of SK ASKA.

Regina Datsyuk

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