NBU can divide all deposits for term, savings and demand deposits »

As part of the work on the transformation of the deposit, which is under Ukrainian law, the current account, fixed deposit in the National Bank and the bankers are discussing several amendments to the Civil Code and the Law "On Banks and Banking. Reported by the newspaper "Economic news". In addition to adjusting the notorious art. 1060 razhdanskogo Code, which implies the right of depositors withdraw their money from the bank on demand, financial experts are considering a number of other legislative developments. In particular, bankers offer to the Law on Banks and Banking Activities "to divide the concept of deposit account for three - a temporary account, a demand and savings account. "In my opinion, this distinction should exist in the following way: the current account - an account is free, it can pick up anytime. Savings, with interest, you can take, say, warning in three days. Oh, and deposits should be fixed in time and taken out of the bank at the end of the contract. Of course, if the client did not raise any force majeure ", - said chairman of the board of Ukrsotsbank Boris Tymonkin. Bankers say that in this way the client can choose to be, as he kept his money: with the possibility of withdrawal at any time, or only after a certain period of time. "Firstly, we will create a new culture among investors - said the head of the Supervisory Board of Delta Bank" Nikolay Lagun. - People will not mindlessly carry their money in that bank, which offers a higher interest rate, with the hope to have time to jump out "in case anything happens", but would think. " According to "Delo", last week the National Bank introduced a public discussion of draft amendments to the legislation, which severely restrict the possibility of a premature withdrawal of depositors' funds from time deposits. In particular, to review and discuss proposed two options - "hard" and "not so": 1 st. Completely prevent early withdrawal of term deposits. Return of the deposits will occur exclusively in the period specified by the contract or in case of unpredictable situations that require urgent money saver costs (cost of treatment, compensation for property damage, protecting the courts and the like). 2-nd. Establish that in case of an appeal contributor to demand the extradition of the contribution to the deadline, by the contract term deposit, the bank carries out the payment within 30 days from the date of application. Invitation to discuss possible ways of resolving the problem of early withdrawal of bank deposits has been published on the site NBU third of February. According to NBU, in early 2011, Ukrainian banks was 275.1 bln. public funds. Of these, 66.2 billion. UAH. - Deposits "on demand", 100 bln. - Term deposits less than 1 year and 108.9 billion USD. - Time deposits over 1 year. Means of non-financial corporations at the beginning of 2011 amounted to 116.1 bln. Of these, 74.9 bln. - Deposits "on demand", the remaining 41.2 bln. - Fixed deposits. Materials: Economic news