Gardeners prepare banks – Mail News

Beginning in 2019, all Gardening Partnerships (SNT) will require opening bank accounts where contributions from their members will be received and cash payment will be made for works and services. This approach is designed to reduce the risk of abuse of the management of the SNT, but faces other problems – in the absence of restrictions, means gardeners, which represents between 200 and 300 billion rubles. a year, they risk falling into banks unreliable but willing to pay them. In the event of a license revocation, these players have very little chance of recovering money.

On January 1, 2019, the law "On the maintenance of citizens in gardening and horticulture …" (217-FZ) will enter into force, obliging the badociations of gardeners to open an account in a bank and to settle cashless accounts. The transfer of money to the president or accountant of the partnership will be prohibited. The banks will provide settlement services for SNT and will provide cash settlement for no consideration with counterparties.

As explained to "Kommersant" the chairman of the Union of Russian Gardeners, Oleg Valenchuk, who often now chairs partnerships, commits violations when he uses money. "Non-pecuniary forms will reduce them," Valenchuk said.

According to him, the main requirements for the bank should be extended regional coverage, reliability, favorable rates. It should be a state-owned bank, which will ensure its stability, because the SNT traditionally collects money at the beginning of the summer season and does not spend it for the moment but at least six months, at least -he declares. However, the law itself does not provide for any restrictions on banks in which they can deposit funds.

On the basis of territorial coverage, it is obvious that the main fight for the money of the gardeners will take place between Sberbank and Postal bank, having the greatest regional penetration. Sberbank has more than 14,000 points of service, Post office – more than 16 thousand points.

Interested in this direction and Tinkoff Bank who does not have an office for clients, his representatives go to themselves.

In Post office "Kommersant" has confirmed his interest in working with gardeners. "This is a promising segment for us, both in terms of partnership-building services and providing services to citizens," said the first vice-chair of the board. Postal bank Georgy Gorshkov. – One of our main advantages is a vast regional network: more than 80% of the counters of the bank are located in rural areas and small towns close to SNT ".

Sberbank declined to comment, but in November, the bank signed a cooperation agreement with the Dacha Union of the Moscow region. In Tinkoff Bank indicated that they were exploring opportunities to create the most conducive conditions for garden partnerships.

According to Alexander Bakhtin, investment strategist at BCS Premier, maintaining SNT could be attractive for banks because it would generate additional "cheap" income. And SNT's regular expenses will bring commissions to the banks, he adds.

According to Anastasia Sosnovaya, an badyst at Freedom Finance, the amount of funds from a gardening partnership on account, depending on the size, can range from 500,000 rubles. up to several millions.

There is no register of garden partnerships in Russia, but according to experts, there are more than 100,000. More than 20 million people are members of partnerships. "In the year, the SNT can place between 200 and 300 billion rubles. in the accounts, "Bakhtin summarizes.

These sums are interesting even for the big actors. For smaller banks, it's a "tasty piece," experts say. According to PF Capital Chief Economist Yevgeny Nadorshin, it is an interesting opportunity for small banks to obtain stable and inexpensive liquidity.

"To attract funds from SNT, these banks will likely be willing to offer benefits in the form of interest on the account balance or an interest-free overdraft for a short time," he explains. . But their reliability is lower than that of the big players. "

In the event of a license revocation, it will be almost impossible to return the funds to the gardeners. They enter the number of creditors of the third stage. According to the deposit insurance agency for the first nine months of 2018, the satisfaction percentage of creditors' claims of the third priority is only 22.4%.

"According to 217-FZ, the issue of opening accounts is settled at the general meeting of the partnership members," says Dmitry Shevchenko, partner of the law firm Zamoskvorechye. "So the gardeners themselves will be responsible for their decisions."

Svetlana Samuseva, Ksenia Dementieva