After the appearance of information that it is planned to introduce control over the operations of individuals in Russia, the Central Bank made clarifications. The press service of the regulator said that it is about combating abuse - illegal operations of online casinos and bookmakers. Read more in the material. The Central Bank of the Russian Federation does not plan to introduce new reporting for banks in order to control the transactions of individuals. At the same time, the regulator, as reported by its press service, will collect "anonymized data at the risk of using banks' platforms for illegal operations of online casinos and bookmakers."

“The Bank of Russia does not plan to introduce new reporting for credit institutions to control the operations of individuals. They relate to countering payments made by illegal businesses to illegal online casinos and financial pyramids.

We plan to collect anonymized data from those banks that provide services for p2p payments only if there is a risk of using their platforms for illegal operations of online casinos and bookmakers, ”the Central Bank said.

The press service also explained that they are talking about abuses - about huge amounts in a matter of hours, transferred to the same recipients, when it is clear that these are not ordinary payments used by citizens or small businesses, but an obvious attempt to carry out illegal operations.

“In case of identifying risks from individual credit institutions on the basis of the data and reports available in the Bank of Russia, anonymized registers of those transfers of individuals that meet certain criteria can be requested. At the same time, information identifying individuals will not be requested, ”the Bank of Russia noted.

The regulator indicated that the work carried out by the Central Bank and credit institutions does not imply total control over the operations of individuals.

It is aimed at identifying individual risk areas associated with the use of payment cards and wallets of cryptocurrency exchangers, online casinos and unscrupulous participants in the financial market for settlements with Russian citizens, issued on fictitious individuals - this work will not affect small businesses, the press service emphasized.

The fact that the Bank of Russia will control all transfers between individuals was previously reported by RBC. According to its sources, the regulator will begin to request data on all p2p transactions, that is, from individual to individual, including personal data of senders and recipients of funds.

Make the monetary system transparent

If the Central Bank decides to introduce an additional mechanism for controlling the circulation of funds in the market of goods and services, this will help make the Russian monetary system transparent and accelerate the solution of the problem of shadow employment, said the first deputy chairman of the committee State Duma on Economic Policy Denis Kravchenko.

“The growth in the share of workers in the shadow zone is due to a number of reasons, among which the main one is unwillingness to pay taxes. In Russia, an illegal practice is widespread when entrepreneurs do not register their employees, or citizens do not register their activities at all. This illegal path, not only is it illegal, it restricts development.

Taxes are strategic deductions from which the business itself can in the future receive returns in the form of the opportunity to use the social sphere, infrastructure projects, subsidies and many other positive aspects.

After we passed the law on the self-employed - 130 billion rubles came out of the shadows in 2020 alone - and citizens began to use this tax regime rather willingly. Whitewashing the economy and income transparency not only reduce the risks for entrepreneurs who are now engaged in dishonest activities, but also stimulates the overall development of the share of small and medium-sized businesses in the country's GDP, meets the tasks set by the president, "said Kravchenko.

The parliamentarian stressed that, given the active development of the online environment, many services are also fading into the shadows. “In particular, monitoring of funds is necessary to combat illegal online casinos and cryptocurrencies. The mechanism proposed by the Central Bank will help make the Russian monetary system transparent, speed up the solution to the problem of shadow employment - in general, it will help remove unscrupulous citizens who work illegally from under the floor, ”he concluded.

“Why on earth are you so curious?”

“I don't really understand what caused this initiative, because the tax service controls transfers between individuals. Has been doing it for a long time, this is her profile. She has been carrying out this control for two years already. When this control was introduced, there was a freeze of several hundred thousand accounts of people who, so to speak, were simply mistakenly "repressed". This caused a big scandal and political tension. Then the system was adjusted. It was the integration of the bank and tax databases, ”said State Duma deputy, economist Mikhail Delyagin.

He noted that "the initiative is strange, but safe." “Why the Bank of Russia is doing this is generally incomprehensible. Because financial monitoring controls everything that is over 600 thousand rubles at a time or within a day, and the tax office controls just everything. That is, if you transfer a thousand rubles to someone, but regularly, then you are at risk. And that's quite enough. As far as I can tell, they can't even handle this amount of information.

Talking about what we just want to know more - why on earth are you so curious?

I would not wait for some kind of repression, some kind of problems. Naturally, now the people will be excited that the data leak will go. In fact, data leakage is proceeding in the most beautiful way, as I understand it, from many banks, judging by all these leaks of information, ”concluded Delyagin.

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