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Г.К. Девлет-Гельды, А.А. Армидонова
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Гуманитарный вестник
# 3·2016
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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].