The national Bank without much noise has issued a new regulation — now all information on non-cash payments in excess of 300 rubles will be transferred to the state control Committee.
Moreover, in addition to banks, now the relevant information about customers will be served non-Bank credit and financial organization and development Bank.
About what will such measures “Tomorrow your country” asked independent experts.
Tarasov: This is the beginning of hunting the small fish
Financial expert Vladimir Tarasov believes that the measures are unlikely to affect the shadow economy.
Because of the non-banking organizations there are very few, ” he explains. — Yes, and their activity is heavily regulated today so that they can be associated with the shadow economy. I think this measure is taken, rather, for reassurance.
The source Tomorrow your country admits that he was surprised the decrease in the amount of the minimum payment to provide information to the SCC.
— I think this amount is too small, — says Vladimir Tarasov. — Apparently, law enforcement agencies want to control the really small transactions.
The expert explains today how this mechanism works:
> > > Just looking at amounts and checks in its database whether there is some suspicious information related to the person who carried out the operation.
But when this information gets a tax inspection, the tax authorities will add up all the expenses and incomes, making claims people, explains the financier.
— The Supervisory authorities have already started preying on the small fish that in my opinion does not make sense, — concludes Vladimir Tarasov.
Iosub: How that would effect it is not very clear
According to senior analyst “Alpari” Vadim Iosub, the purpose of this decision are quite obvious and transparent.
Is an attempt to control not only large, but also almost all a significant expenditure of people, ” he says.
The inspectors will compare the costs with revenues and to identify, thus, the shadow income.
— Another thing is that the effectiveness of this measure is not so clear, warns the expert. — This is quite a large amount of data, which automatically will be in the national audit office to go. But how do supervisors have the technical capability to analyze it? That is how that would effect it is not very clear.
Moreover, these measures in today’s reality in General can give some unexpected results, the analyst said.
For example, people who have something to hide who have undeclared income, will fear to make non-cash payments. Thus, it may lead to an increase in the share of cash payments in the economy, — stressed Vadim Iosub.
