Sberbank will begin issuing passports to citizens of the Russian Federation: What you need to know about the innovation. Banksters are taking over the state: Sberbank is preparing to issue passports to citizens of the Russian Federation Came, issued, paid
The news that Sberbank will issue passports has caused mixed reactions. However, it was precisely these intentions of the country’s largest bank that Vice President Andrei Shokhin spoke about. Will this happen in reality or will it remain just a provocative statement?
The impossible is possible...
The bank’s vice-president Andrei Shokhin told VEF that starting in 2018, Sberbank will begin issuing passports in every third “pilot” region. If the “pilot” is successfully implemented, all departments will be provided with similar functions starting in 2019.
When Sberbank issues passports and driver’s licenses, as well as registers real estate rights and provides other government services, it will partially become an analogue of multifunctional centers.
According to Shokhin, there are not enough MFCs in the country. The problem is especially felt in small settlements. Having an extensive and oldest network of branches, the bank will actually be able to replace missing centers, and in large cities it will remove excessive load from them.
On a note! So far, there are 2.7 thousand multifunctional centers in the country, and Sber has 40 thousand branches.
Among the main advantages of contacting a bank, the top manager noted the following:
bank clerks will help you register an account on the government services portal;
It will be possible to pay state fees for paperwork, literally, without leaving the cash register.
Interestingly, the idea that Sberbank will begin issuing passports in 2018 does not belong to bankers. First Deputy Chairman of the Government Igor Shuvalov approached the Central Bank and the Ministry of Internal Affairs with such an initiative. He proposed considering the possibility of transferring the authority to process and issue documents to citizens to the largest Russian banks, meaning VTB and Sberbank. VTB management has not yet expressed a desire to take on additional functions.
The people are not silent
The news that Sberbank will issue passports, as well as provide other government services, received mixed reviews from the population. Some said that they didn’t see anything wrong with expanding the possibilities - where there were fewer queues, he did it. Others recalled the poor quality of work that bank employees do today. Still others were skeptically happy that now they could spend the rest of their lives in queues and would not have to go to work.
All skeptical people would like to make the following argument. Remote identification should be launched this year. For the experiment, the Bank of Russia will select the best financial institutions. And its essence lies in the fact that once a citizen has completed full identification confirmation at a banking institution, he will be able to use banking and government services remotely. Personal data will be stored in a single database, accessible to both bankers and officials. In this regard, the transfer of powers to bankers for registering citizens and processing documents no longer seems far-fetched.
Of course, in many regions the work of specific branches still raises complaints - the queues are long, they can’t really explain anything, and unnecessary services are “imperceptibly” connected. But one cannot help but notice that the situation is changing for the better. For example, with the advent of terminals for issuing coupons, even large crowds of citizens quickly dissipate, there are no scandals with people jumping the queue, and comfortable conditions for waiting have been created in the branches themselves.
Vague prospects
When asked by journalists whether Sberbank will issue passports, the head of the credit institution, German Gref, said that there are no such plans yet. But as they say, if the Motherland orders (read - the load on the MFC will increase or their shortage will cause increasing dissatisfaction), then in the future additional services will be provided to the population on an equal basis with other banks.
The head of Sberbank explained that today the following vector has been taken - citizens should receive what they need in the way that is most convenient for them, and it doesn’t matter whether it is an MFC or a bank. He also emphasized that the Sberbank Online service could become one of the convenient channels for the population.
On a note! The number of Sberbank Online users in 2017 amounted to 50 million people.
Came, processed, paid
Today you can order a passport and pay the state fee on the government services portal. You will have to pick up the document at the multifunctional center. If you apply for it directly at the passport office at the place of registration, then to pay the state fee you need to go to the bank, and after a while come back to the passport office.
According to the government, a person must do a minimum of actions to get what he wants, and banks seem to be best suited for this.
What passports will Sberbank issue? You can register, pay and pick up:
Russian passport;
driver's license;
migration documents;
title papers for real estate.
And it is likely that this list will be expanded over time.
So, everyone who doubts whether it is true that Sberbank will issue passports will, it seems, have to believe it. If not next year, then such a prospect is quite likely in the next few years.
This year Sberbank will begin issuing passports to citizens, thus performing the functions of employees of a multifunctional center. Previously, the government instructed the Ministry of Internal Affairs, the Bank of Russia, Sberbank and VTB to work on this issue.
Sberbank plans to launch pilots in a number of regions this year, and from 2019 to take over the functions of processing passports and migration documents throughout the entire branch network, the vice president, head of the small business development department told reporters on the sidelines of the Eastern Economic Forum (EEF). Sberbank Andrey Sharov, reports RBC correspondent.
“This year we will launch pilots in several regions: a bank employee will perform the functions of an employee of a multifunctional center (MFC),” he said, noting that this means that bank clients “will be able to register an apartment, receive a passport, and a driver’s license.”
Sharov also added that similar pilot projects are planned to be carried out throughout 2018, and “it will go into circulation in 2019.” Sberbank, as the vice-president of the credit institution clarified, plans to start primarily with regions where there is currently a shortage of multifunctional services. “Somewhere in 30% of the federal subjects there are shortages. We will start with these regions,” the banker emphasized.
In addition, he gave several examples of how this interaction would be organized in practice. “A simple situation: an entrepreneur bought a plot of land and comes to his client manager to register it. “The conversation immediately begins, for example, about lending,” he said, also noting that another important function of the MFC, in which the bank, according to him, is very interested, is interaction with the government services portal.
“Only a quarter of our population has an active record. We will help a person create a personal account so that he can use electronic services,” Sharov explained.
The fact that banks will begin to provide services for issuing Russian and foreign passports, as well as other documents that can currently be done with the help of the Federal State Unitary Enterprise subordinate to the Ministry of Internal Affairs, became known in January. Then, according to the minutes of the meeting of First Deputy Prime Minister Igor Shuvalov with the heads of ministries, this issue was instructed to be worked out by the Ministry of Internal Affairs, the Bank of Russia, Sberbank and VTB.
As Shuvalov’s representative explained to RBC at the time, this measure is being taken in order to maintain competition. “If previously passports were issued by one federal state unitary enterprise, now it is planned to transfer this function to authorized banks,” RBC’s interlocutor clarified. Such an initiative, he said, taking into account all security measures, should “significantly make it easier for citizens to obtain passports and other documents, taking into account the accessibility of many bank branches.”
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Sberbank has decided on the timing of when they will begin issuing passports for citizens. It is noted that in this way the institution will gradually become a multifunctional center. Prior to this, the government also instructed organizations such as the Ministry of Internal Affairs, the Bank of Russia, and VTB to study such issues. According to media reports, Sberbank plans to begin launching a pilot implementation of the above function in some regions in 2017, and two years later to begin issuing passports and migration documents for all of its branches.
This information came from the vice president, head of the small business development department of the institution, Andrei Sharov, when the Eastern Economic Forum was held. According to this specialist, bank employees in certain regions will do what employees in multifunctional centers do. Accordingly, those who are clients of the bank will have the opportunity to register residential real estate and obtain a passport and driver’s license. In addition, a number of similar pilot projects are planned to continue until, in fact, “going into circulation.”
Sharov emphasized that they will start first in those places where there are quite a few multifunctional centers. According to estimates, this is approximately about a third of all subjects of the Russian Federation. There, accordingly, people most need the implementation of this initiative. The banker also indicated some examples of what the organization of this interaction would be like in practical terms.
According to Sharov, there are situations when a certain businessman has purchased a plot of land, but it is necessary to register it, for which an appeal is made to client managers. Such a discussion may turn, in particular, to lending. At the same time, a rather important function of the multifunctional center, which Sberbank intends to carry out due to the similarity of interests, is to interact with government services. In particular, less than half of all Russians have an active record. Bank employees, accordingly, will begin to help people create personal accounts for using one or another electronic service.
In addition to this service, information about other active actions of Sberbank appeared in the press. In particular, it is noted that in 2018 the organization will begin supplying gold to China, since this country has a priority market for precious metals. At the same time, they will increase the expected from several tons to more than a dozen. According to Igor Bulantsev, head of the investment and corporate business of Sberbank CIB, among other things, the organization is also interested in the Indian gold market.
In fact, it was reported at the beginning of the year that banking institutions will gradually begin providing services for issuing Russian and foreign passports, as well as other documents. Then this was done by the Federal State Unitary Enterprise? “Passport and Visa Service”, which was part of the Ministry of Internal Affairs. This initiative was considered by the government. It was noted that this information was present in the minutes of the official meeting between First Deputy Prime Minister Igor Shuvalov and the ministers. Financial institutions and the Ministry of Internal Affairs were supposed to submit a number of relevant proposals for consideration by the government, but when exactly to do this was not indicated.
Actually, the Federal State Unitary Enterprise? "Passport and visa service", being subordinate to the Ministry of Internal Affairs, prepared and accompanied all the documents that are needed to obtain a foreign passport, Russian passport, work permit, patent for foreigners and those who work for individuals in Russia . The company also prepared a package of necessary papers so that residents of other states could temporarily work and live in our country, receive Russian citizenship, a tourist invitation and be registered with migration authorities, and so on. Multifunctional centers where they provided state and municipal services worked similarly.
The only difference was the timing and cost. In particular, to obtain a foreign passport at a federal state unitary enterprise, it is more expensive, but less time-consuming, since you do not need to collect the documentation yourself and fill out a number of necessary papers. In a multifunctional center you only need to pay a state fee and wait one month. In addition to everything, the Federal State Unitary Enterprise must be given a fee for providing services - for the capital this equals three and a half thousand rubles. This price includes consultation, the full procedure for registration and issuance of the document. They do it in 20 days.
According to press reports, Shuvalov gave instructions to the Ministry of Internal Affairs and banking structures in order to maintain competition. In addition, through the implementation of such an initiative, it will help citizens to more easily obtain passports and other documents, taking into account the availability of a branch of a particular bank. Actually, this is beneficial for the latter precisely because of the extensive networks. The same Sberbank or VTB have a large number of branches. In addition, institutions, gaining access to the passport database of Russian residents, will be able to use this information to assess various risks. For example, these include foreign travel, labor patents and residence permit data. Some bankers noted that this will add additional clients to banks, which will bring a certain profit. One way or another, those who are interested in such a service are obviously not below the poverty line.
A group of high-ranking bankers began an operation to seize power in the country by appropriating part of government functions.
Yesterday, on the sidelines of the Eastern Economic Forum, Sberbank Vice President Andrei Sharov said that his structure plans to take over the functions of issuing passports and migration documents from 2019, and in some regions bankers will begin issuing passports this year.
According to Sharov, Sberbank does not intend to limit itself to issuing passports: bank clients “will be able to register an apartment, receive a passport, a driver’s license,” i.e. the bank is essentially will perform the functions of the MFC.”
The initiator of the transfer of state powers to the hands of “authorized banks” (except for Sberbank, this is also VTB), as Katyusha already reported, was Deputy Prime Minister Igor Shuvalov. In January of this year this Chubais fan and lover of carrying his porgy dogs to exhibitions on a private jet instructed the Ministry of Internal Affairs and the Central Bank of the Russian Federation to study the issue of transferring to banks the functions of the Federal State Unitary Enterprise (FSUE) "Passport and visa service". The bankers have done their work and are now going to issue domestic and foreign passports to Russians.
The revolutionary essence of this news is explained in his article by the famous writer and cybernetics specialist Valery Filimonov: “Before starting to work with a client, a bank must identify him. In the last few years, dramatic steps have been taken to identify banking identification and identification for the provision of government services. Banking and commercial structures (including transnational ones) together with operators in the field IT -technology and communications will, instead of ensuring and protecting our legal rights, provide paid services in electronic form. In the near future, banks will not only perform the functions of storing money and various transactions with it (and in electronic form), but will become “an instrument that provides services,” and through the latest methods of identifying citizens, “including biometrics and various gadgets with geolocation. With a complete move away from cash, the life of every citizen will be entirely dependent on banks. The moneylender wanted - and deprived a person of access to material goods; he wanted - and set any conditions for access to these benefits, including those contrary to the person’s conscience and religious beliefs. Thus, banks will become a functioning institution of power that does not need the traditional triad of power structures - legislative, executive and judicial. In fact, this will mean an unlimited dictatorship of the banks. The trade and financial system, including electronic identification of citizens and the introduction of electronic non-cash payments, aims to completely enslave people through the abolition of cash, strict and comprehensive control of the exchange of goods and the movement of virtual funds in citizens’ electronic bank accounts.”
To make it clear to the reader to whom Mr. Shuvalov and others like him are transferring the functions of passport, visa and migration services, and with them the personal data of tens of millions of Russians, let us clarify that, according to Wikipedia, to whom: at least 50% of Sberbank shares are owned by unknown , and more than 45% of shareholders are non-residents: Pro-Western nature and affiliation of Sberbank management with the largest transnational corporations is already visible from this document.
At the same time, the management of Sberbank and VTB openly ignores the President and the state interests of the Russian Federation. Thus, Sberbank not only has not yet opened branches in the Russian Crimea, but even for some time demonstratively violated the Presidential decree on the recognition of documents issued by the authorities of the LDPR. At the same time, Sberbank continues to invest in Ukraine captured by the junta,remaining one of its main sponsors.
But that’s not all: from time to time German Oskarovich, with his passion for the digital economy and artificial intelligence, produces such surreal nonsense that one can’t help but I want to call an ambulance.
And these are not just words: Gref is trying to interfere with the competence of the Ministry of Education, being one of the lobbyists of the “Contingent” base and the ideologists of the destruction of the education system in particular, through the “Teacher for Russia” program. But this is not enough for the colorful banker: in the winter of this year, the FSB arrested on charges of treason a number of its employees who collaborated with Sberbank and, it is possible, prepared the ground for a coup d'etat.
And this is even before the transfer of government functions! What will happen if the idea of Shuvalov and Gref is implemented to the end? O. Huxley, with his famous dystopia, nervously smokes on the sidelines...
The pilot project is planned to be launched this year. According to the plan, clients of the country's largest bank will be able to draw up all the documents necessary for life at the branches. At the beginning of the year, they were already going to transfer passport and visa functions to Sberbank. Now the credit institution will have a good opportunity to begin creating its own ecosystem, which German Gref spoke about a year ago.
Vice President of Sberbank Andrey Sharov spoke about the upcoming experiment. “This year we will launch pilots in several regions. The bank employee will perform the functions of an employee of a multifunctional center (MFC), he said on the sidelines of the Eastern Economic Forum. “Our clients will be able to register an apartment, receive a passport, and a driver’s license.”
The first step is to try out the new functions in regions where there is a shortage of multifunctional centers. These, according to Sharov, are now about 30% in the country. The entire next year will be spent on pilot projects, and in 2019 the innovation will “go into circulation.” Among other things, if successful, it will be able to become a full-fledged part of the bank’s ecosystem, which its head German Gref spoke about last fall.
Then the leadership of the credit institution was inspired by the example of the Chinese Alibaba Group of Jack Ma. It includes many companies (from a cloud service to a film studio), united by a common technology platform. A year ago, Sberbank did not have a clear idea of how to implement the project - there was only a rough financial plan, according to which the total turnover of the ecosystem would be 65 trillion rubles by 2025 (in total, according to Gref’s forecast, by that time such ecosystems would account for about 30% revenues of companies around the world and 40% of their global profits).
Sberbank considered several options for implementing its plan. At first, cooperation with third-party partners, foreign (mainly Chinese) or Russian, was considered a priority. These could be Mail.ru (with which the bank recently concluded a three-year contract for the provision of reference and information services for 549 million rubles), or Yandex (since 2012, Sberbank has owned the Yandex.Money service, and recently invested 30 billion rubles in joint venture with Yandex.Market).
However, the option was not excluded in which the ecosystem could be built exclusively on its own. At the very end of the year, unexpectedly for himself, First Deputy Prime Minister Igor Shuvalov spoke in favor of precisely this situation. He instructed the country's two largest banks - Sberbank and VTB - to provide passport and visa services to the population. According to the official’s plan, credit organizations will eventually completely take over the functions of the specialized Federal State Unitary Enterprise “Passport and Visa Service,” which is now subordinate to the Ministry of Internal Affairs (and until the spring of last year - to the FMS). The Central Bank should help them with this.
In fact, the Passport and Visa Center is a direct competitor of the MFC - it provides the same services, but more expensive and faster. Federal State Unitary Enterprise employees, for a fee (obtaining a foreign passport in Moscow will cost 3.5 thousand rubles), help collect and fill out documents, while the MFC only charges a state fee. Shuvalov hopes that the transfer of the functions of an enterprise under the jurisdiction of the Ministry of Internal Affairs to banks will have a positive effect on competition in the sector. Now only Sberbank and VTB are dealing with the issue, but in the future, it is likely that other banks will also be able to gain access to the market for providing passport and visa services.
And now Sberbank has decided to expand the range of its powers so as not to be limited to issuing passports and work and residence permits. “A simple situation: an entrepreneur bought a plot of land and comes to his client manager to register it. “The conversation immediately begins, for example, about lending,” Sharov explained on Tuesday. - Another important function of the MFC in which the bank is interested is interaction with the government services portal. Only a quarter of our population has an active record. We will help a person create a personal account so that he can use electronic services.”
At the same time, the integration of the MFC and the banking sector will not be one-sided. Now multifunctional centers (since 2014 operating under the “My Documents” brand) are limited in their powers - they can only advise citizens and help them prepare documents, but cannot accept various types of payments. In June, the government approved a bill that will give them this opportunity - if the State Duma passes it, Russians will be able to pay fines and utility bills directly in “My Documents.” This means that MFC and banks (so far only Sberbank) will take work and clients from each other.
Recent Russian history already knows examples of close cooperation between banks and traditional government institutions. Last spring, Russian Post (also operating as a federal state unitary enterprise) together with VTB created Post Bank (on the basis of VTB’s subsidiary Leto Bank). So the state was going to increase the accessibility of banking services, first of all, for pensioners - it is believed that it is easier for them to get service in post offices than in bank ones. Also, money transfers were sent to the new bank, and in the future it is planned to create a special service for online stores - with its help, sellers will be able to register a company and receive payment (to an account in Pochta Bank) for goods. At the end of 2016, the bank’s profit (50% minus one share belongs to Russian Post, the rest belongs to VTB) amounted to 1.2 billion rubles.