The position of deposit deposits of Russian banksperfectly reflects the situation that has recently developed in the world economy. According to the investment trends of recent times, the amount of funds invested by compatriots in the national currency is skyrocketing. This growth is provided by ruble deposits. Currency deposits, in turn, are less popular.
What is due to their inability to providethe necessary level of safety of the accumulated capital of the depositor, comparable to the difference in the percentage of deposits in national and foreign currencies. Thus, the severe post-crisis situation in Europe, the aggressive foreign policy of the United States and the lower interest rate on deposits in euros or dollars make it possible for the domestic currency to become a carrier of capital, through which Russians will be ready to keep the accumulated. Consequently, foreign currency deposits in banks today have occupied less than half of the entire deposit market. And according to statistics, the ratio in this case is 65% to 35%.
Foreign currency deposits
From a strategic point of view, Russiansit is much more profitable to deal with the domestic currency and retain capital in it. Money to date is not only a means of ensuring the exchange of values, but also debt obligations of the issuing states. And since these are debt obligations, their owners, it turns out, are creditors with foreign currency deposits. Interest In this case, the deposit is a rewardfor borrowed funds, and banks - financial intermediaries, providing lending to the economies of the issuing states of money. But is it worth it for Russians to help the US or Europe, having a whole bunch of internal diseases of their own economy? The answer is only one - of course not!
Is it worth keeping capital in rubles?
However, the domestic monetary system for the newest period of its existence brought many surprises to the holders of ruble deposits. Which in turn,
even the most patriotic compatriotsforces, refusing its own principles, to buy foreign currency. But today the times have changed slightly. As we can see, the financial system of the whole world is shaken by the impact of the crisis. The US dollar is waiting for the adoption of the budget and the next stage of including printing machines, which may result in default. The euro, in turn, has been suffering from a crisis for several years already. The south of the European Union is rapidly becoming poorer and bankrupt. Russia, in turn, in this difficult economic situation is confident, sells a lot of oil and gas and receives a stable profit. The government of our homeland, while the leaders of other states are drowning in debt and cutting costs, are constantly trying to implement ambitious, costly projects, using at the same time and ruble deposits.
In this situation, deposits only helpcountries-issuers of money, but not our great homeland. A default of the euro or dollar today is just as likely as the fall of the ruble. But is it worth while to feed the economies of foreign countries that are not always friendly towards our homeland, making currency deposits and proportionally influencing their standard of living? Each Russian can independently cope with this issue, determined in what form to save capital.