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Г.К. Девлет-Гельды, А.А. Армидонова

12

Гуманитарный вестник

# 3·2016

IIS doesn't give to the owner an opportunity to carry out account op-

erations in case of unforeseen life situations. It is the biggest minus of in-

vestment accounts. Because of it investment accounts, perhaps, won't be-

come especially popular with a considerable part of the busy population of

the country on which and, mainly, the new product of the market has been

focused as per capita incomes of this part of the population aren't so big:

the average nominal added salary in Russia, according to Federal State

Statistics Service, in 2015 made 33981 rub [4], and the average pension —

is slightly more than 12 thousand rubles [5].

Undoubtedly, weakness of IIS is also that the investor will receive 13

percentage deduction according to the personal income tax (the first type

of a deduction) only on the money deposited within a year. If during the

second year money isn't deposited to the account, then there won’t be the

tax deduction.

Restriction of the maximum sum of investments of money for the ac-

count is considered one more lack of the Russian innovative project. The

Russian State Duma Committee on economic policy, innovative develop-

ment and business has developed and has introduced the bill of increase up

to 1 million rubles of an initial contribution to IIS [6] on consideration of

the Government of Russia. Authors of the bill believe that increase of the

size of an initial contribution will increase effective management of in-

vestments as will provide to brokers and management companies a great

opportunity for investment of means of the clients into various financial

instruments.

Heads of the Russian companies hope that through IIS investments

will go directly to business and need to take expensive bank credits will

decrease. Professional participants of the financial market expect that at

least the part of money from deposits where 17,3 trillion rubles are stored

today will go to investments through new accounts, and by the beginning

of the second half of the year 2016 up to 400 thousand individual accounts

will be opened in the country, the average size of means on which will

fluctuate in the range from 100 to 200 thousand rubles, and by 2020 the

sum about 1 trillion rubles will be collected on the accounts [2].

Seeking to increase availability and reliability of investment of capital

on IIS, NAUFOR has developed the bill of introduction of insurance of

investments in stock market in case of bankruptcy of the brokers using

money of the clients and not capable to return them. The system, similar to

insurance of deposits, will have to protect the rights of investors and to

increase reliability of work with investment accounts. Without rejecting

such opportunity in principle, the Ministry of Finance of the Russian Fed-

eration however believes that now it is inexpedient to increase the load of

the Agency of Deposit Insurance (ADI) and it will be possible to enter in-

surance of investments on securities market not earlier than 2019 [7].